My Best Buy® Visa® Card vs Capital One Venture Rewards Credit Card
The My Best Buy® Visa® Card leads on gas stations; the Capital One Venture Rewards Credit Card leads on hotels. See category winners and spend scenarios below.
Card data as of October 12, 2026.
My Best Buy® Visa® CardCiti · $0 or $59/yr by version (set at approval)
Capital One Venture Rewards Credit CardCapital One · $95/yr
Overview
- Annual fee
- My Best Buy® Visa® Card$0 or $59$0 (Visa Platinum) or $59 (Visa Gold), set at approvalCapital One Venture Rewards Credit Card$95
- Welcome offerCurrent public offer
- My Best Buy® Visa® Card—Capital One Venture Rewards Credit Card75,000 miles
- Rewards
- My Best Buy® Visa® CardBest Buy pointsNot cash; valued at certificate face value (250 points = one $5 Best Buy reward certificate)Capital One Venture Rewards Credit CardCapital One Miles
- Foreign transaction fee
- My Best Buy® Visa® CardNoneCapital One Venture Rewards Credit CardNone
- Network
- My Best Buy® Visa® CardVisaCapital One Venture Rewards Credit CardMastercard World Elite
Earn ratesPer $1 spent · certificates and checkout discounts aren’t ranked against cash back or other points
- Dining
- My Best Buy® Visa® Card1x2% in Best Buy certificate valueCapital One Venture Rewards Credit Card2x
- Gas Stations
- My Best Buy® Visa® Card1.5x3% in Best Buy certificate valueCapital One Venture Rewards Credit Card2x
- Grocery Stores
- My Best Buy® Visa® Card1x2% in Best Buy certificate valueCapital One Venture Rewards Credit Card2x
- Everything else
- My Best Buy® Visa® Card0.5x1% in Best Buy certificate valueCapital One Venture Rewards Credit Card2x
Statement creditsAs the issuer states them · — means none on record
- Travel
- My Best Buy® Visa® Card—Capital One Venture Rewards Credit Card
- $300 Stays Credit (1st Year) · $300 one-time
- $120 Global Entry/TSA PreCheck · $120 every 4 years
Perks & access— means none on record
- Lounges
- My Best Buy® Visa® Card—Capital One Venture Rewards Credit Card
- Capital One Lounge access at $45/visit
- Hotel status & programs
- My Best Buy® Visa® Card—Capital One Venture Rewards Credit Card
- $50 Lifestyle Collection
- Car rental
- My Best Buy® Visa® Card—Capital One Venture Rewards Credit Card
- Free Hertz Five Star Elite Status with Premium Benefits
- Other perks
- My Best Buy® Visa® Card
- Tap-to-pay contactless payments
- Free shipping on Best Buy online purchases
Capital One Venture Rewards Credit Card- Get 50% Off All Handcrafted Beverages at Capital One Cafes
- Exclusive Capital One Dining Access to Popular Restaurants
- Exclusive Capital One Entertainment Access with VIP Packages
- Zero Foreign Transaction Fees on All International Purchases
- Around the Clock 24 Hour Travel Help
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- My Best Buy® Visa® Card—Capital One Venture Rewards Credit Card
- Travel Accident Cover at No Extra Charge
- Rental car
- My Best Buy® Visa® Card—Capital One Venture Rewards Credit Card
- Secondary Auto Rental Collision Damage Waiver for Rental
- Purchase & returns
- My Best Buy® Visa® Card
- Financing on Best Buy purchases $299+
- Zero Liability on unauthorized charges
Capital One Venture Rewards Credit Card- Automatic Price Drop Cover and Price Match Guarantee
- Purchase Security up to $10,000 per claim
- Extended warranty
- My Best Buy® Visa® Card—Capital One Venture Rewards Credit Card
- Extended Warranty Protection up to $10,000 per claim
- Other protections
- My Best Buy® Visa® Card
- No foreign transaction fees
- 24/7 lost/stolen card assistance worldwide
Capital One Venture Rewards Credit Card- Credit monitoring
- Card Replacement and Cash Advance When Traveling Abroad
- Zero Dollar Fraud Liability Cover on All Unauthorized
Pros & cons
- Pros
- My Best Buy® Visa® Card—Capital One Venture Rewards Credit Card
- Unlimited 2X miles on every purchase with no category tracking required
- 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel
- One-time $300 stays credit for hotels and vacation rentals in the first year
- 75,000 mile welcome bonus after $4,000 spend in 3 months
- TSA PreCheck or Global Entry credit ($120 value every 4 years)
- Cons
- My Best Buy® Visa® Card—Capital One Venture Rewards Credit Card
- $95 annual fee (only partly offset by the one-time first-year stays credit)
- No lounge access or premium travel perks like Venture X
- 5X earning requires booking through Capital One Travel portal
- 2X flat rate beaten by category-specific cards in dining, groceries, etc.
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
| Scenario | My Best Buy® Visa® Card | Capital One Venture Rewards Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Estimated Best Buy certificate value: $180 Credits (our usable estimate): $0 Annual fee $0 (Visa Platinum) or $59 (Visa Gold), set at approval; net est. $180 (Visa Platinum) or $121 (Visa Gold) Ongoing: — Year one: — | Rewards: $312 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $247 Year one: $1,402 | — | — |
| Heavy spender: $4,000/month | Estimated Best Buy certificate value: $720 Credits (our usable estimate): $0 Annual fee $0 (Visa Platinum) or $59 (Visa Gold), set at approval; net est. $720 (Visa Platinum) or $661 (Visa Gold) Ongoing: — Year one: — | Rewards: $1,248 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $1,183 Year one: $2,338 | — | — |
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing My Best Buy® Visa® Card means losing:
- -Global Entry credit
Which Card Is Right for You?
Get the My Best Buy® Visa® Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
Get the Capital One Venture Rewards Credit Card if you:
- +Prefer a high flat rate across all spending
Frequently Asked Questions
- Which card earns more rewards, the My Best Buy® Visa® Card or Capital One Venture Rewards Credit Card?
- The Capital One Venture Rewards Credit Card has a higher base earn rate (2X vs 0.5X), but both cards have different bonus categories where they excel.
- What benefits does the My Best Buy® Visa® Card have that the Capital One Venture Rewards Credit Card doesn't?
- The My Best Buy® Visa® Card focuses on earn rates, while the Capital One Venture Rewards Credit Card offers travel credits.
- Should I get the My Best Buy® Visa® Card or the Capital One Venture Rewards Credit Card?
- Choose based on which bonus categories and benefits match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.