Capital One VentureOne Rewards Credit Card vs Marriott Bonvoy Bold Credit Card
Both cards cost $0/yr. The Capital One VentureOne Rewards Credit Card leads on hotels; the Marriott Bonvoy Bold Credit Card on grocery stores.
Card data as of November 13, 2026.
Capital One VentureOne Rewards Credit CardCapital One · No annual fee
Marriott Bonvoy Bold Credit CardChase · No annual fee
Overview
- Annual fee
- Capital One VentureOne Rewards Credit Card$0Marriott Bonvoy Bold Credit Card$0
- Welcome offerCurrent public offer
- Capital One VentureOne Rewards Credit Card20,000 milesMarriott Bonvoy Bold Credit Card45,000 points
- Rewards
- Capital One VentureOne Rewards Credit CardCapital One MilesMarriott Bonvoy Bold Credit CardMarriott Bonvoy
- Foreign transaction fee
- Capital One VentureOne Rewards Credit CardNoneMarriott Bonvoy Bold Credit CardNone
- Network
- Capital One VentureOne Rewards Credit CardMastercard World EliteMarriott Bonvoy Bold Credit CardVisa Signature
Earn ratesPer $1 spent
- Cable TV
- Capital One VentureOne Rewards Credit Card1.25xMarriott Bonvoy Bold Credit Card2xHighest
- Food Delivery
- Capital One VentureOne Rewards Credit Card1.25xMarriott Bonvoy Bold Credit Card2xHighest
- Grocery Stores
- Capital One VentureOne Rewards Credit Card1.25xMarriott Bonvoy Bold Credit Card2xHighest
- Ridesharing
- Capital One VentureOne Rewards Credit Card1.25xMarriott Bonvoy Bold Credit Card2xHighest
- Streaming
- Capital One VentureOne Rewards Credit Card1.25xMarriott Bonvoy Bold Credit Card2xHighest
- Telecom
- Capital One VentureOne Rewards Credit Card1.25xMarriott Bonvoy Bold Credit Card2xHighest
- Everything else
- Capital One VentureOne Rewards Credit Card1.25xHighestMarriott Bonvoy Bold Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Dining & delivery
- Capital One VentureOne Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- DoorDash DashPass
Perks & access— means none on record
- Hotel status & programs
- Capital One VentureOne Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- Automatic Marriott Bonvoy Silver Elite Status
- 5 Elite Night Credits annually
- Other perks
- Capital One VentureOne Rewards Credit Card
- Capital One Dining
- Transfer Your Miles
- No Foreign Transaction Fees
Marriott Bonvoy Bold Credit Card- 24/7 Visa Signature Concierge service
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Capital One VentureOne Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- $500 trip delay reimbursement
- Baggage
- Capital One VentureOne Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- Up to $3,000 lost luggage coverage per trip
- Up to $100 a day for baggage delays over 6 hours · up to $500
- Rental car
- Capital One VentureOne Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- Auto rental coverage up to $60,000
- Purchase & returns
- Capital One VentureOne Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- Purchase protection for new items · up to $500
- Extended warranty
- Capital One VentureOne Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- Extended warranty protection for eligible purchases · up to $1
- Other protections
- Capital One VentureOne Rewards Credit Card
- Credit monitoring
Marriott Bonvoy Bold Credit Card- 24/7 worldwide travel and emergency assistance
- 24/7 roadside dispatch assistance (pay-per-use)
Pros & cons
- Pros
- Capital One VentureOne Rewards Credit Card
- No annual fee
- 20,000 mile welcome bonus ($200 value)
- 5X miles on hotels, vacation rentals and rental cars via Capital One Travel
- 1.25X miles on all purchases
- No foreign transaction fees
Marriott Bonvoy Bold Credit Card- No annual fee makes it risk-free to hold long-term
- Automatic Silver Elite status with 10% bonus on stays and priority late checkout
- 5 Elite Night Credits annually toward status qualification
- No foreign transaction fees
- 2x earning on everyday categories (groceries, streaming, rideshare, food delivery)
- Cons
- Capital One VentureOne Rewards Credit Card
- Lower earn rate than premium travel cards
- No lounge access or premium travel benefits
- 5X earning requires booking through Capital One Travel
- Miles worth 1 cent each for travel, less for other redemptions
Marriott Bonvoy Bold Credit Card- Only Silver Elite status (Gold and Platinum provide much better benefits)
- Low 1x earning on non-bonus purchases
- Only 5 Elite Night Credits vs 15-25 on premium cards
- No free night award benefit
- No lounge access or premium travel perks
Expert Analysis
The Marriott Bonvoy Bold Credit Card and Capital One VentureOne Rewards Credit Card are two of the most popular cards in their category, and choosing between them comes down to which rewards structure better matches your spending. Both deliver strong value, but in meaningfully different ways.
Both cards carry a $0/yr annual fee, so the decision comes down purely to rewards structure and benefits — there's no fee math to worry about.
Key Differences
- Marriott Bonvoy Bold Credit Card earns 14X on Marriott Hotels vs 1.25X for the other
- Marriott Bonvoy Bold Credit Card earns 2X on Grocery Stores vs 1.25X for the other
- Marriott Bonvoy Bold Credit Card earns 2X on Streaming Internet Cable Phone vs 1.25X for the other
- Capital One VentureOne Rewards Credit Card has a higher base earn rate (1.25X vs 1X on non-bonus spending)
- Different networks: Marriott Bonvoy Bold Credit Card is VISA, Capital One VentureOne Rewards Credit Card is MASTERCARD
Spending Scenarios
Which card wins in real-world spending situations?
$200/month on marriott hotels
Marriott Bonvoy Bold Credit CardMarriott Bonvoy Bold Credit Card earns 14X vs 1.25X. Over a year, that's 33,600 vs 3,000 points — a 30,600-point advantage.
$600/month on grocery stores
Marriott Bonvoy Bold Credit CardMarriott Bonvoy Bold Credit Card earns 2X vs 1.25X. Over a year, that's 14,400 vs 9,000 points — a 5,400-point advantage.
Who Should Get Which?
Get the Capital One VentureOne Rewards Credit Card if:
The Capital One VentureOne Rewards Credit Card is ideal for cardholders who prioritize earning more on everyday purchases. At $0/yr, it delivers strong no-fee value for its target audience.
Get the Marriott Bonvoy Bold Credit Card if:
The Marriott Bonvoy Bold Credit Card is ideal for cardholders who prioritize spending heavily on marriott hotels and grocery stores. At $0/yr, it delivers strong no-fee value for its target audience.
Upgrade & Downgrade Path
These cards are from different issuers, so switching between them requires a new application. Many rewards enthusiasts hold both to maximize earn rates across different spending categories — the annual fee total may be worth it if you're actively using both cards' bonus categories.
Consider which card's rewards ecosystem better fits your redemption goals. Transferable points programs offer more flexibility for travel redemptions.
Category-by-Category Winner
The Marriott Bonvoy Bold Credit Card wins in 6 of 10 categories. The Capital One VentureOne Rewards Credit Card leads in 4.
Hotels
Capital One VentureOne Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Car Rentals
Capital One VentureOne Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Vacation Rentals
Capital One VentureOne Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Grocery Stores
Marriott Bonvoy Bold Credit Card earns 2X vs 1.25X
Streaming
Marriott Bonvoy Bold Credit Card earns 2X vs 1.25X
Telecom
Marriott Bonvoy Bold Credit Card earns 2X vs 1.25X
Cable TV
Marriott Bonvoy Bold Credit Card earns 2X vs 1.25X
Ridesharing
Marriott Bonvoy Bold Credit Card earns 2X vs 1.25X
Food Delivery
Marriott Bonvoy Bold Credit Card earns 2X vs 1.25X
Everyday purchases
Capital One VentureOne Rewards Credit Card earns 1.25X on all other spending vs 1X
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.
Both scenarios favor the Capital One VentureOne Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Capital One VentureOne Rewards Credit Card | Marriott Bonvoy Bold Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $195 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $195 Year one: $455 | Rewards: $97 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $97 Year one: $412 | Capital One VentureOne Rewards Credit Card | Capital One VentureOne Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $780 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $780 Year one: $1,040 | Rewards: $386 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $386 Year one: $701 | Capital One VentureOne Rewards Credit Card | Capital One VentureOne Rewards Credit Card |
Which Card Is Right for You?
Get the Capital One VentureOne Rewards Credit Card if you:
- +Prefer a high flat rate across all spending
Get the Marriott Bonvoy Bold Credit Card if you:
- +Do most of your spending at grocery stores
The Bottom Line
Both scenarios favor the Capital One VentureOne Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 1.25X on the Capital One VentureOne Rewards Credit Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Capital One VentureOne Rewards Credit Card or Marriott Bonvoy Bold Credit Card?
- The Capital One VentureOne Rewards Credit Card has a higher base earn rate (1.25X vs 1X), but both cards have different bonus categories where they excel.
- Should I get the Capital One VentureOne Rewards Credit Card or the Marriott Bonvoy Bold Credit Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.