Capital One Venture Rewards Credit Card
Earn 2X miles on everything plus 5X on Capital One Travel
Earn 75,000 bonus miles after $4,000 spend in 3 months, plus a one-time $300 stays credit for hotels and vacation rentals booked through Capital One Travel in your first year. Unlimited 2X miles on every purchase and 5X on portal hotels, vacation rentals, rental cars, and entertainment make this a simple $95-annual-fee travel earner.
- Annual Fee
- $95
- Capital One Miles · Welcome Bonus
- 75,000
- Highest rate (conditional)
- Up to 5X (Travel portal)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $95
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard World Elite
- Rewards Currency
- Capital One Miles
- Point Value (Transfer Estimate)
- 1–1.85 cpp (mid: 1.3)
- Credit Required
- Good to Excellent
Welcome Offer
75,000
Capital One Miles
Spend $4,000 in the first 3 months
New cardmembers earn 75,000 bonus miles after $4,000 in purchases within the first 3 months, plus a one-time $300 stays credit for hotels and vacation rentals booked through Capital One Travel in the first year. Redeemed toward travel at 1 cent per mile, the bonus is worth $750; transferred to partners it may be worth more (about $1,388 at an estimated 1.85 cents per mile, which varies by redemption).
Earning Rates
- 5X
Hotels
5X miles on hotels booked through Capital One Travel — No annual cap
- 5X
Car Rentals
5X miles on car rentals booked through Capital One Travel — No annual cap
- 5X
Vacation Rentals
5X miles on vacation rentals booked through Capital One Travel — No annual cap
- 5X
Capital One Entertainment
5X miles on tickets bought on the Capital One Entertainment ticketing platform with this card; excludes cardholder-exclusive pre-sales and Capital One Hall/Arena direct ticketing
- 2X
All Other
Unlimited 2X miles per dollar on every purchase
Earning Scenarios
2X Miles on Every Purchase
Earn 2 miles per dollar on every purchase with no category limits. Redeemed toward travel at 1 cent per mile, that's 2% back. Transfer partners can be worth more (estimates run up to about 1.85 cents per mile, and vary by redemption).
$2,200 in monthly spending earns 52,800 miles per year, worth $528 toward travel at 1 cent per mile.
5X Miles on Capital One Travel Stays and Rentals
Earn 5 miles per dollar on Capital One Travel hotels, vacation rentals, and rental cars. At 1 cent per mile toward travel, that's 5% back; transfer-partner value is an estimate and varies.
A $1,000 vacation rental earns 5,000 miles, worth $50 toward travel at 1 cent per mile.
5X Miles on Capital One Entertainment
Earn 5 miles per dollar on qualifying purchases through Capital One Entertainment. At 1 cent per mile toward travel, that's 5% back.
$500 in event tickets earns 2,500 miles, worth $25 toward travel at 1 cent per mile.
2X Miles on Dining
Earn 2 miles per dollar at restaurants, bars, cafes, and food delivery. At 1 cent per mile toward travel, that's 2% back.
$500 monthly dining spend earns 12,000 miles per year, worth $120 toward travel at 1 cent per mile.
Benefits & Perks
Travel Benefits
7 perksGeneral Travel
Lounge Access
Concierge
Hotels & Lodging
Annual Credits & Statement Credits
2 creditsUp to
$7.50
in recurring credits (annual) · Plus $300 first-year / eligibility-dependent
$300 Stays Credit (1st Year)
New cardholders get a one-time $300 credit toward hotel and vacation rental bookings through Capital One Travel, valid the first year.
$300
One-time
$120 Global Entry/TSA PreCheck
Receive up to $120 statement credit for Global Entry or TSA PreCheck application fees automatically applied once every 4 years
$120
Every 4 years
Elite Status & Memberships
Fast track to top-tier perks
Free Hertz Five Star Elite Status with Premium Benefits
Get complimentary upgrade to Hertz Gold Plus Rewards Five Star status with premium rental car benefits like skipping the counter
Credit monitoring
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
Insurance & Protections
8 protectionsCredit monitoring
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
Travel Accident Cover at No Extra Charge
Get automatic travel accident insurance coverage at no extra charge when you purchase common carrier travel with your Venture card
Zero Dollar Fraud Liability Cover on All Unauthorized
You have zero liability for all unauthorized purchases on your card and are not responsible for any fraudulent charges
Card Replacement and Cash Advance When Traveling Abroad
Get an emergency replacement card and emergency cash advance worldwide if your card is lost or stolen while traveling
Automatic Price Drop Cover and Price Match Guarantee
Get automatic price drop protection and price match guarantee on all bookings made through the Capital One Travel portal
Show all 8 protectionsShow fewer protections
Secondary Auto Rental Collision Damage Waiver for Rental
Get secondary collision damage waiver coverage for theft and collision damage on rental cars paid entirely with your Venture card
Purchase Security up to $10,000 per claim
$10,000
secondary
Get coverage against theft or damage for eligible purchases up to $10,000 per claim for 90 days from the purchase date.
Extended Warranty Protection up to $10,000 per claim
$10,000
secondary
Extends eligible manufacturer warranties by 1 year on purchases with original warranties of 3 years or less, up to $10,000 per claim.
Program & Transfers
Capital One Miles
Capital One Miles rewards earned with this card can transfer to 22 loyalty partners.
Capital One Miles represent the most straightforward approach to transferable points. Unlike Chase or Amex, every Capital One mile is worth exactly 1 cent when redeemed through the travel portal or purchase eraser, providing a guaranteed floor value that removes redemption anxiety. The program offers 18 airline and 4 hotel transfer partners with a simple 24-hour transfer window. While the partner roster is smaller than competitors, it covers all three major alliances and includes strong options like Turkish Airlines and Avianca LifeMiles for premium cabin awards. Capital One's philosophy emphasizes accessibility: no annual fee required for transfers (even Quicksilver can transfer), no minimum transfer amounts, and no blackout dates on travel portal bookings. This makes it ideal for travelers who want reliable value without mastering complex award charts.
Program Ratings
Transfer Partners (22)
Transfer your Capital One Miles to 22 leading loyalty programs for maximum value.
Airlines
(18)Most partners accept Capital One Miles at a 1:1 ratio with instant or near-instant transfers.
View detailed transfer ratios
Airlines
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | 1.3 cpp | |
| 4:3 | instant | — | 1 cpp | |
| 4:3 | instant | — | — | |
| 1:1 | instant | — | 1.3 cpp | |
| 4:3 | instant | — | 1.3 cpp | |
| 1:1 | instant | — | — | |
| 1:1 | instant | — | 1.1 cpp | |
| 1:1 | instant | — | — | |
| 1:1 | instant | 108% | 1.3 cpp | |
| 1:1 | instant | 100% | 1.3 cpp | |
| 1:1 | instant | 100% | 1 cpp | |
| 1:1 | instant | 100% | 1.25 cpp | |
| 1:1 | instant | 92% | — | |
| 1:1 | instant | 92% | 1.25 cpp | |
| 1:1 | instant | 85% | 1.35 cpp | |
| 1:1 | instant | 85% | 1.1 cpp | |
| 1:1 | instant | 62% | 0.8 cpp | |
| 5:3 | instant | 60% | 1.35 cpp |
Hotels
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:2 | instant | — | 0.5 cpp | |
| 2:1 | instant | 85% | 2.25 cpp | |
| 1:1 | instant | 77% | 0.7 cpp | |
| 1:1 | instant | 54% | 0.8 cpp |
Sweet Spots — Best Redemptions
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Short-haul intra-Europe flights | 4,000 | British Airways Avios | economy | Europe |
| Domestic US in Business on a Partner | 6,000 | Etihad Guest | economy | United States |
| US to South America in Economy | 7,100 | Avianca Lifemiles | economy | South America |
| Intra-Europe in Economy | 7,500 | Flying Blue | economy | Europe |
| Domestic US in Economy on a Partner | 10,000 | Avianca Lifemiles | economy | United States |
| US to Mexico in Economy on a Partner | 11,500 | Flying Blue | economy | Central America |
| US to South America in Business | 22,500 | Avianca Lifemiles | business | South America |
| Domestic US and Canada in Business | 22,500 | Turkish Miles Smiles | business | United States |
| US to Europe in Economy | 25,000 | Flying Blue | economy | Europe |
| US to Northern Africa in Economy | 25,000 | Flying Blue | economy | Africa |
| US to Hong Kong in Economy | 27,000 | Cathay Asia Miles | economy | Asia |
| US to Japan in Economy | 27,000 | Japan Airlines Mileage Bank | economy | Asia |
| US to Mexico in Business on a Partner | 30,000 | Flying Blue | business | Central America |
| Domestic US and Canada in First Class | 30,000 | Turkish Miles Smiles | first | United States |
| US to Southeast Asia in Economy | 38,000 | Cathay Asia Miles | economy | Asia |
| US to Japan in Economy on a Partner | 43,500 | Qantas Frequent Flyer | economy | Asia |
| US to Southeast Asia in Economy on Singapore Air | 44,000 | Singapore Krisflyer | economy | Asia |
| US to Hong Kong in Economy on a Partner | 47,000 | Cathay Asia Miles | economy | Asia |
| Domestic US in First Class on a Partner | 50,000 | Etihad Guest | first | United States |
| Within Asia in Business | 50,000 | Tap Miles Go | business | Asia |
Showing top 20 of 30 sweet spots
Reviews & Analysis
Third-Party Rankings & Ratings
6 sourcesCategory Rankings (13 categories)
How It Compares
The Capital One Venture pairs a $95 annual fee with a one-time $300 first-year stays credit and a 75,000-mile welcome bonus. It earns unlimited 2X miles on all purchases and 5X on hotels, vacation rentals, rental cars, and entertainment through Capital One Travel, without the premium fee of Venture X.
Editorial Review
The Capital One Venture Rewards card is a $95-annual-fee travel card for people who want simple, flat-rate earning. It pays 2X miles on every purchase and 5X on hotels, vacation rentals, rental cars, and entertainment booked through Capital One Travel, plus a 75,000-mile welcome bonus after $4,000 spend in 3 months.
Key Takeaways
The Venture works best as a first-year card or a low-maintenance companion to a higher-tier travel product. The math: $95 annual fee minus a one-time $300 stays credit in year one leaves a net cost of negative $205 before counting the 75,000-mile bonus.
Key numbers: 2X on everything, 5X on Capital One Travel hotels/vacation rentals/rental cars and Capital One Entertainment, 75,000-mile bonus after $4,000 in 3 months, $120 Global Entry or TSA PreCheck credit every 4 years, and complimentary Hertz Five Star status. There is no lounge access and no annual travel credit after year one.
Why This Card Could Be Right For You
Consider the Venture if you:
- Want flat-rate miles without tracking categories or rotating merchants
- Can use the one-time $300 stays credit for hotels or vacation rentals through Capital One Travel in the first year
- Prefer a lower annual fee than the $395 Venture X while still earning transferable miles
- Rent cars often enough to use complimentary Hertz Five Star status
- Value a simple redemption floor of 1 cent per mile through Purchase Eraser
The 75,000-mile bonus is worth $750 toward travel through Capital One Travel, or an estimated $1,388 when transferred to partners at about 1.85 cents per mile (value varies by redemption).
Read full review (4 more sections)
When The Usual Advice Doesn't Apply
Skip the Venture if you want lounge access, an annual travel credit, or premium hotel perks—those live on Venture X. It is also a poor fit if you refuse to book through Capital One Travel, if you already have a higher-tier travel card that earns the same or better on most spending, or if you cannot comfortably spend $4,000 in 3 months to earn the welcome bonus.
What to Know About Capital One Miles
Capital One Miles work best as a flexible backup currency. Transfer partners include Air Canada Aeroplan, Avianca LifeMiles, British Airways Avios, Singapore KrisFlyer, and Turkish Miles&Smiles, among 15+ options.
- Redeem miles at 1 cent each to erase any travel purchase, including Airbnb, boutique hotels, and car rentals.
- Transfer to partners for up to an estimated 1.85 cents per mile in value, with Aeroplan and LifeMiles often at the higher end.
- The program lacks domestic transfer partners like Southwest and Hyatt, so it complements rather than replaces Chase Ultimate Rewards.
- Use the Purchase Eraser for simple redemptions when award availability is tight.
How The Capital One Venture Fits In The Capital One Miles Ecosystem
Venture is the mid-tier personal card in the Venture family. It earns the same 2X base rate as Venture X but lower portal multipliers and fewer premium perks.
- $95 annual fee vs. $395 for Venture X and $0 for VentureOne
- 5X on portal hotels/vacation rentals/rental cars vs. 10X on hotels/rental cars for Venture X
- No lounge access, no $300 annual travel credit, and no 10,000 anniversary miles
- Pair with the no-annual-fee Savor card for 3X on dining, entertainment, streaming, and groceries to complement the 2X base rate
Capital One's terms bar the Venture bonus if you have received a Venture or Venture X bonus in the past 48 months. Check each card's terms before you apply.
My Experience, No Filter
The Venture makes sense if you treat the $300 stays credit as money you would spend anyway on hotels or vacation rentals through Capital One Travel. The flat 2X earning is easy to manage, and the 75,000-mile bonus delivers strong first-year value.
The catch is the portal requirement. If you prefer booking directly with hotels to earn elite status, the stays credit is harder to use. After year one, the card loses the $300 credit and becomes a 2X-everything card with Hertz status and a Global Entry credit. For our household, it is a solid first-year play; whether it stays in the wallet after that depends on how much Capital One Travel you actually use.
Pros and Cons
Pros
- +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)
- +Transfer miles to 15+ travel loyalty programs including Turkish, Singapore, Air Canada
- +No foreign transaction fees worldwide
Cons
- -$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.
Who It's Best For
Best For
- Travelers who want simple, flat-rate earning without tracking categories
- Those who prefer flexibility to redeem miles for any travel purchase
- Cardholders who book through Capital One Travel for 5X bonus rates
- Anyone who values transferable miles to 15+ travel loyalty programs
- International travelers who want no foreign transaction fees
Not Ideal For
- Those who want lounge access or premium travel benefits
- Heavy spenders in specific categories who could earn more elsewhere
- Anyone seeking the lowest possible annual fee for travel rewards
- Travelers who prefer airline-specific cards for elite status
The Math: Is $95 Worth It?
First-year value includes $975.00 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$184.50
Annual Fee
-$95
Net Annual Value
-$90.50
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Venture bonus once per 48 months | Capital One: you are not eligible for this bonus if you have received a new cardmember bonus for the Capital One Venture card or the Capital One Venture X card in the past 48 months. |
| Cap One 1/6 | You won’t be approved for a second Capital One card if you’ve opened one in the past six months |
Payment Terms
| Purchase APR | 19.74%–28.74% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Card Family
Venture family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Capital One Venture One | entry | $0 | |
| Capital One Venture X | premium | $395 |
Product changes available between family members without a new credit inquiry.
FAQs
How much is 150,000 Capital One Miles worth?
Capital One miles are valued at about 1.3 cents per point, making 150,000 miles worth roughly $2,250. The exact value depends on how you redeem them. Transfers to travel partners can make miles worth 2-3 cents or higher, while cash back redemptions reduce their value to 0.5 cents per point.
Are miles or cash back better?
Miles are far more valuable than cash back for travel redemptions. Using transfer partners and sweet spot redemptions can raise each mile's value to 2-3 cents or higher, while cash back is fixed at about 1 cent per point with no opportunity for outsized redemptions.
Which Capital One credit card is best for miles?
The Venture X ($395/year) and Venture Rewards ($95/year) are best for earning transferable miles. The Venture X offers the most perks including Priority Pass, 10x on Capital One Travel hotels, and a $300 annual travel credit. The Venture Rewards has a lower fee but the same 2x earning rate and signup bonus. Both allow partner transfers.
How many credit cards are too many?
Each bank has its own rules on card limits and bonus eligibility. Capital One's 1/6 rule states you cannot get two Capital One cards within six months. Other limits may apply, but many are unwritten and inconsistently enforced.
Is Chase Travel or Capital One Travel better?
Both travel portals are similar, but card benefits set them apart. The Venture X includes a $300 annual portal credit, while the Chase Sapphire Reserve offers Points Boost on select bookings, making points worth up to 1.5-2x more. Capital One offers simpler, consistent 1 cent per mile portal value across all cards.
Can I transfer Capital One miles between accounts?
Capital One has one of the most generous sharing programs, allowing rewards to be shared between any Capital One miles-earning accounts with no fees or limits. You can also combine miles from cash back cards into miles-earning cards you own.
How long does it take to transfer Capital One miles to partners?
Capital One mile transfers to airline and hotel partners are instant in most cases, typically completing within minutes. The stated transfer time is up to 24 hours, but most transfers process much faster.
Media & Resources
Video Reviews
8 videosCapital One Venture X: 11 Things You MUST DO Now
Why (Almost) Everyone Loves The Capital One Duo
How to Use Capital One Venture Miles [New 2026 Guide]
Chase Sapphire Preferred vs. Capital One Venture: Best Travel Credit Card?
Capital One Venture X: BEGINNER'S GUIDE to 13 Benefits
Chase Sapphire Preferred vs Capital One Venture (2025): Which Travel Card Is Better?
Hidden Gems: Unique Ways to Use Venture Miles
Third-Party Articles & Reviews
Capital One Venture Review: Easy Earnings, Effortless Redemption
In-depth review highlighting the card's competitive sign-up bonus, straightforward rewards, and redemption flexibility
Capital One Venture Rewards review: Elevated earnings
Comprehensive review of the Capital One Venture focusing on its 2x miles earnings rate and elevated rewards potential
Capital One Venture Rewards Credit Card Review
Detailed review highlighting the Venture's simplicity and value as a solid all-around travel card
Capital One Venture Rewards Credit Card Review
Bankrate's assessment of the Venture as one of the easiest travel cards to manage with flat-rate earnings
Capital One Venture Rewards Credit Card Review
Forbes review of the Venture as an excellent option for covering all expenses with straightforward rewards
Capital One Venture Card Reviews for 2026
WalletHub's 2026 review and user ratings for the Capital One Venture card
Capital One Venture Rewards Credit Card 2026 Review
US News 2026 review highlighting the Venture's 2x miles per dollar as a key advantage
Is The Capital One Venture Card Worth It?
Analysis of whether the Capital One Venture is worth it for different types of spenders
Capital One Venture Rewards Credit Card review
CreditCards.com review emphasizing the Venture's excellent everyday value and strong sign-up bonus
Why I Love the Capital One Venture as a Perfect First Credit Card
Analysis of why the Capital One Venture is ideal for first-time travel rewards cardholders
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Capital One | Capital One: Earn rates | |
| Capital One | Capital One: Earn rates | |
| Capital One | — | Capital One |
| NerdWallet | — | NerdWallet |
| Upgraded Points | — | Upgraded Points |
| Capital One | Capital One: Multiple card facts | |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Multiple card facts | |
| Capital One | Capital One: Multiple card facts | |
| Capital One | Capital One |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Partner credits at
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.