Capital One Venture Rewards Credit Card Review
April 15, 2026
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2 min
Capital One Venture Rewards Credit Card Summary
Capital One, founded in 1994, is the 2nd-largest credit card issuer in the U.S. Its Capital One Venture Rewards card is a travel rewards credit card offering two miles per dollar on every purchase. You also get five miles per dollar on hotels, vacation rentals & rental cars, and up to $120 credit for Global Entry or TSA PreCheck®. The card has a $95 annual fee. It’s a great option for occasional travelers who prefer a simple rewards system.
Capital One Venture Rewards Credit Card Pros & Cons
Pros
Unlimited two miles per dollar on every purchase
Includes two free lounge visits per year
Cons
No annual statement credits
Doesn’t offer bonuses for flight purchases
Capital One Venture Rewards Credit Card at a glance
10
Editorial scoreFees
$95 annual fee
10.0
APR
19.49% - 28.49% (Variable)
10.0
Overview
This card is a budget-friendly travel rewards card with a low $95 annual fee (See Rates & Fees). It enables you to collect miles that you can redeem in the Capital One Travel portal. You’ll earn an unlimited two miles per dollar on every purchase, plus five miles per dollar on hotel, vacation rental, and rental car purchases in the portal, as well as additional travel perks.
Suitable For?
This card is best for occasional travelers. It’s a great middle ground between Capital One’s fee-free travel cards that offer lower mileage rewards rates and premium travel cards that carry hefty annual fees. With the Venture Rewards card, you get many of the same perks that high-end travel cards offer, but with an annual fee of only $95.
We recommend you have excellent credit to qualify for this card—you’ll need a credit score of 700 or better to apply.
Interest Rates and Fees
The card has a $95 annual fee, which isn’t waived for the first year (See Rates & Fees). It also has no fees for foreign transactions. Cash advance fees are 5% of the amount of the cash advance, but not less than $5.It has an interest rate of 19.49% - 28.49% (Variable) depending on your creditworthiness. You’ll receive your interest rate when you’re approved for the card.
Annual fee | $95 |
Interest rate | 19.49% - 28.49% (Variable) |
Balance transfer fee | $0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you |
Foreign transaction fee | $0 |
Rewards
Get unlimited two miles per dollar on every purchase, plus an unlimited five miles per dollar spent on hotel, vacation rental, and rental car purchases in the Capital One Travel portal.
Your miles won’t ever expire for the life of the account, and you can redeem them in the portal for hotels, rental cars, flights, or even statement credits. You can also redeem miles through PayPal for online purchases or transfer them to more than 15 airline and hotel loyalty programs.
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
You also get a statement credit of up to $120 for Global Entry or TSA PreCheck®. These programs allow you to get through airport customs and security lines faster.
Conclusion
This is a great low-fee travel rewards card that’s ideal for the occasional traveler. It offers travel benefits on top of an unlimited two miles per dollar on every purchase. You can apply online in minutes.
Methodology
This review is based on the Capital One website and online application.
Editorial disclosure: Opinions, reviews, analyses & recommendations are the author's alone, and have not been reviewed, endorsed or approved by any of these entities.
Editorial disclosure: The credit card offers and information presented on this page are current as of the published date. However, credit card terms, including APRs, fees, and promotional offers, are subject to change without notice. Some offers listed may no longer be available or may have expired. Please refer to the issuer's website for the most up-to-date terms and conditions.
FAQs
How do I redeem miles I earn with the Venture Rewards card?
You can redeem miles earned with the Capital One Venture Rewards card in the Capital One Travel portal. You can also redeem miles with PayPal to pay for online purchases or transfer miles to more than 15 airline and hotel loyalty programs.
How do you earn miles wih the Venture Rewards card?
You can earn unlimited 2x miles on every purchase, and 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
Written byMichael Graw
Michael Graw is a personal finance expert at BestMoney.com, specializing in online banking and insurance. His work has appeared in print magazines and on high-impact websites. With a passion for clarity and practicality, Michael helps readers navigate today’s financial landscape.