Capital One Venture Rewards Credit Card vs Fidelity Rewards Visa Signature Card
Annual fees: Capital One Venture Rewards Credit Card $95/yr, Fidelity Rewards Visa Signature Card $0/yr. Strongest bonus categories: Capital One Venture Rewards Credit Card on hotels, Fidelity Rewards Visa Signature Card on everyday spending.
Card data as of October 11, 2026.
Capital One Venture Rewards Credit CardCapital One · $95/yr
Fidelity Rewards Visa Signature CardElan Financial · No annual fee
Overview
- Annual fee
- Capital One Venture Rewards Credit Card$95Fidelity Rewards Visa Signature Card$0Lowest
- Welcome offerCurrent public offer
- Capital One Venture Rewards Credit Card75,000 milesFidelity Rewards Visa Signature Card—
- Rewards
- Capital One Venture Rewards Credit CardCapital One MilesFidelity Rewards Visa Signature CardCash back
- Foreign transaction fee
- Capital One Venture Rewards Credit CardNoneFidelity Rewards Visa Signature CardNone
- Network
- Capital One Venture Rewards Credit CardMastercard World EliteFidelity Rewards Visa Signature CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Everything else
- Capital One Venture Rewards Credit Card2xFidelity Rewards Visa Signature Card2%
Statement creditsAs the issuer states them · — means none on record
- Travel
- Capital One Venture Rewards Credit Card
- $300 Stays Credit (1st Year) · $300 one-time
- $120 Global Entry/TSA PreCheck · $120 every 4 years
Fidelity Rewards Visa Signature Card- Up to $100 back for Global Entry or TSA PreCheck · $100 every 4 years
Perks & access— means none on record
- Lounges
- Capital One Venture Rewards Credit Card
- Capital One Lounge access at $45/visit
Fidelity Rewards Visa Signature Card— - Hotel status & programs
- Capital One Venture Rewards Credit Card
- $50 Lifestyle Collection
Fidelity Rewards Visa Signature Card- 900+ luxury hotel properties with exclusive perks
- Car rental
- Capital One Venture Rewards Credit Card
- Free Hertz Five Star Elite Status with Premium Benefits
Fidelity Rewards Visa Signature Card— - Other perks
- 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
Fidelity Rewards Visa Signature Card- 24/7 Visa Signature Concierge service
- OpenTable dining access after card verification
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Capital One Venture Rewards Credit Card
- Travel Accident Cover at No Extra Charge
Fidelity Rewards Visa Signature Card- Travel Accident Insurance · up to $250,000
- Baggage
- Capital One Venture Rewards Credit Card—Fidelity Rewards Visa Signature Card
- Up to $3,000 lost luggage coverage per trip
- Rental car
- Capital One Venture Rewards Credit Card
- Secondary Auto Rental Collision Damage Waiver for Rental
Fidelity Rewards Visa Signature Card- Auto rental collision damage waiver · up to $75,000
- Purchase & returns
- Capital One Venture Rewards Credit Card
- Automatic Price Drop Cover and Price Match Guarantee
- Purchase Security up to $10,000 per claim
Fidelity Rewards Visa Signature Card- $500 per claim on theft or damage
- Extended warranty
- Capital One Venture Rewards Credit Card
- Extended Warranty Protection up to $10,000 per claim
Fidelity Rewards Visa Signature Card— - Other protections
- Capital One Venture Rewards Credit Card
- Credit monitoring
- Card Replacement and Cash Advance When Traveling Abroad
- Zero Dollar Fraud Liability Cover on All Unauthorized
Fidelity Rewards Visa Signature Card- 24/7 worldwide travel and emergency assistance
- 24/7 roadside dispatch assistance (pay-per-use)
Pros & cons
- Pros
- 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)
Fidelity Rewards Visa Signature Card- True 2% unlimited cash back on all purchases with no annual fee
- Rewards auto-deposit into Fidelity brokerage, IRA, 529, or cash management accounts
- No minimum redemption threshold (rewards deposit automatically)
- No foreign transaction fee (removed September 1, 2023)
- Visa Signature benefits in the issuer's Guide to Benefits: purchase security, lost luggage reimbursement, auto rental collision damage waiver, travel accident insurance, concierge
- Cons
- 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.
Fidelity Rewards Visa Signature Card- The 2% cash back value applies only when points are deposited into an eligible Fidelity account
- Not flexible if you ever want to leave Fidelity
- No premium travel benefits or lounge access
- Issued by Elan Financial Services, not Fidelity directly (customer service may vary)
- No welcome bonus is listed on the issuer's page
Category-by-Category Winner
No unconditional category winner — 3 categories depend on how you earn.
Hotels
Depends: via issuer travel portal
Capital One Venture Rewards Credit Card earns 5X when conditions are met; Fidelity Rewards Visa Signature Card earns 2X (2X without restrictions)
Car Rentals
Depends: via issuer travel portal
Capital One Venture Rewards Credit Card earns 5X when conditions are met; Fidelity Rewards Visa Signature Card earns 2X (2X without restrictions)
Vacation Rentals
Depends: via issuer travel portal
Capital One Venture Rewards Credit Card earns 5X when conditions are met; Fidelity Rewards Visa Signature Card earns 2X (2X without restrictions)
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.
Ongoing value favors the Fidelity Rewards Visa Signature Card; year-one value favors the Capital One Venture Rewards Credit Card.
| Scenario | Capital One Venture Rewards Credit Card | Fidelity Rewards Visa Signature Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $312 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $247 Year one: $1,402 | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $480 | Fidelity Rewards Visa Signature Card | Capital One Venture Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $1,248 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $1,183 Year one: $2,338 | Rewards: $1,920 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,920 Year one: $1,920 | Fidelity Rewards Visa Signature Card | Capital One Venture Rewards Credit Card |
Is the Fee Difference Worth It?
The Capital One Venture Rewards Credit Card costs $95/yr — that's $95 more than the Fidelity Rewards Visa Signature Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
The Capital One Venture Rewards Credit Card includes travel credits, Global Entry/TSA PreCheck credit. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $95 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Capital One Venture Rewards Credit Card needs roughly $95 more in annual rewards (or credits you will use) to break even on hotels and car rentals and everyday spend.
The Bottom Line
Ongoing value favors the Fidelity Rewards Visa Signature Card; year-one value favors the Capital One Venture Rewards Credit Card.
Published annual fees: Capital One Venture Rewards Credit Card $95/yr, Fidelity Rewards Visa Signature Card $0/yr — a $95 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Capital One Venture Rewards Credit Card worth the higher annual fee?
- The Capital One Venture Rewards Credit Card costs $95/yr vs $0/yr for the Fidelity Rewards Visa Signature Card. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Capital One Venture Rewards Credit Card also lists travel credits).
- Which card earns more rewards, the Capital One Venture Rewards Credit Card or Fidelity Rewards Visa Signature Card?
- Both cards earn 2X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the Capital One Venture Rewards Credit Card have that the Fidelity Rewards Visa Signature Card doesn't?
- The Capital One Venture Rewards Credit Card offers travel credits. The Fidelity Rewards Visa Signature Card focuses more on earn rates than premium perks.
- Should I get the Capital One Venture Rewards Credit Card or the Fidelity Rewards Visa Signature Card?
- Use the spend scenarios on this page: the Fidelity Rewards Visa Signature Card has a lower $0/yr fee; the Capital One Venture Rewards Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.
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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 11, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.