Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

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9.5/10 (Expert Score)
Product is rated as #1 in category Credit Cards
PROS:
  • $500 bonus offer value
  • Healthy travel rewards value
  • Ability to transfer points/miles to more than 10 travel reward programs
CONS:
  • $95 annual fee

The Capital One® Venture® Rewards Credit Car is arguably Capital One’s flagship card.

The card offers an industry leading purchase yield ( PointsAdventure.com purchase yield estimate of 2.00%) when points are redeemed for travel.

This card carries a $95 annual fee (waived in the first year). So, if you charge less than $12,666, then the similarly named, Capital One® VentureOne® Rewards Credit Card with a $0 annual fee (but lower purchase yield – 1.25%) may be better for you.

Additionally, this card carriers a higher interest rate than the VentureOne® card so if you regularly carry a balance, you may consider opting for a card with a lower interest rate.

CARD DETAILS

Estimated Purchase Yield

Estimated Purchase Yield

2.00%

Notes

Assumes points are redemed for travel

Bonus Offers

Bonus Offer Value

$500

Bonus Offer

50,000 bonus points (requires $3,000 in new purchases within first 3 months) Up to $100 credit for Global Entry or Global Entry or TSA Pre®

Ongoing Bonuses

None

Estimated Annual Card Value

Yr 1 @ $5k in Purchases

$700.00

Yr 1 @ $15k in Purchases

$900.00

Yr 1 @ $30k in Purchases

$1,200.00

Yr 2+ @ $5k in Purchases

$5.00

Yr 2+ @ $15k in Purchases

$205.00

Yr 2+ @ $30k in Purchases

$505.00

Valuation Notes

Bonus Offer Value plus Ongoing Bonus Value (if any) plus value of rewards at stated annual purchasing level less the annual fee

Airport Lounge Access

Lounge Access?

No

Lounge Network

Not Applicable

Guests

Not Applicable

Access Restrictions

Not Applicable

Reward Points

Do Points Expire?

No

Redemption Options

Travel (booked via rewards site), Merchandise, Gift Cards and Statement Credits

Can Points Be Transferred?

Yes - Aeromexico, Air Canada (Aeroplan), Air France & FLM (Flying Blue), Alitalia, Avianca, Cathay Pacific, Emirates, Ethiad, EVA Air, Finnair, Hainan Airlines, JetBlue, Qantas, Qatar Airways and Singapore Airlines

Fees & APRs

Annual Fee

$0 intro for the first year, $95 thereafter

Foreign Transaction Fees

None

Late Payment Fee

$39

APR - Intro (Purchases)

Intro Rate Not Offered

APR - Intro (Balance Transfers)

Intro Rate Not Offered

APR - Cash Advance

24.74% + $10 or 3% transaction fee (whichever is greater)

APR - Regular (Purchases)

17.49% - 24.74%

APR - Regular (Balance Transfers)

17.49% - 24.74% (no fee)

Grace Period

25 days after close of each billing cycle

Other Items

Recommended Credit Level

Very Good+ (FICO Score: 740-850)

Link to Issuer Website

https://www.capitalone.com/credit-cards/venture/

Date Information Confirmed

December 23, 2019

Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
PointsAdventure.com
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