If you travel infrequently and won’t earn a lot of bonus miles by booking through Capital One, the VentureOne could be a better fit. How much you actually spend on travel each year should play a big role in choosing which card is best for you, especially when it comes to travel you’re willing to book through the Capital One Travel portal. On the other hand, the Venture or Venture X offer more benefits and rewards in exchange for paying a fee each year. You could get the VentureOne with a $0 annual fee if you’re willing to earn fewer miles for every purchase. Annual feesĬonsider your personal budget in terms of paying a credit card annual fee. With the largest price tag, the Venture X offers the most perks, including a $300 annual travel credit, airport lounge membership benefits, 10,000 anniversary bonus miles and a fee credit for Global Entry or TSA PreCheck membership. The higher the annual fee you’re willing to pay, the more benefits you’ll typically receive. If a higher annual fee fits into your travel budget, either of the other Venture cards will be more rewarding. The VentureOne has the least lucrative rewards rate overall, but it also has the lowest annual fee. While rewards have the same redemption options with all three Venture cards, their earning rates stand in stark contrast. Consider the following factors when making your decision: Rewards 18,000 miles on airfare through Capital One (3,600 x 5)Ĭhoosing from one of the Venture cards can be difficult since they all earn the same type of rewards with the same redemption options.36,000 miles on hotels and car rentals through Capital One (3,600 x 10).7,200 miles on airfare through Capital One (3,600 x 2).18,000 miles on hotels and car rentals through Capital One (3,600 x 5).19,500 miles on regular purchases (12,000 annual spending + 3,600 on airfare) x 1.25.Venture and Venture X: 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.VentureOne: 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.$300 per month on airfare through Capital One ($3,600 per year)Īnd as a reminder, the Venture cards all feature welcome bonuses:.$300 per month on hotels and car rentals through Capital One ($3,600 per year).$1,000 per month on regular purchases ($12,000 per year). As an example of how rewards could work with each of these cards, consider the chart below.įor the purpose of this example, we used the following spending amounts: How many miles you can earn with one of these cards will depend on how much you normally spend, as well as your willingness to book travel through Capital One. The Cultivist membership (valued at $220).Priority Pass Select airport lounge membership.Two passes to Capital One airport lounges each year.Fee credit for Global Entry or TSA PreCheck membership every four years.Intro APR for purchases and balance transfers. The chart below outlines each card’s major benefits and features, along with a comparison with their annual fees: 2 Miles per dollar on every purchase, every day Comparing the card benefits
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