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Both cards allow consumers to easily redeem their rewards when either booking through the Capital One travel portal or as a statement credit toward travel booked another way.
The cards differ in three ways:
- Venture Rewards charges an annual fee, waived the first year.
- VentureOne Rewards offers a less robust rewards program.
- Venture Rewards has a better sign-up bonus.
Deciding which card to choose depends on how much you plan to spend in a year on a credit card. Here’s a look at some of the key attributes of these two travel rewards credit cards.
VentureOne Rewards vs. Venture Rewards
|Capital One VentureOne||Capital One Venture|
|Annual fee||$0||$95, waived the first year|
|Sign-up bonus||20,000 miles, equal to $200 in travel||50,000 miles, equal to $500 in travel|
|How to earn bonus||Spend $1,000 within the first three months||Spend $3,000 within the first three months|
|Rewards||1.25 miles for every $1 spent||2 miles for every $1 spent|
|Intro offer||0% APR on purchases for 12 months||None|
|Regular APR||13.74% to 23.74% variable||14.74% to 24.74% variable|
The Capital One VentureOne Rewards Card has no annual fee. The Capital One Venture Rewards Card has a $95 annual fee, waived the first year.
Capital One VentureOne: Earn an unlimited 1.25 miles per dollar on every purchase.
Capital One Venture: Earn an unlimited 2 miles per dollar on every purchase.
In a head-to-head match-up between VentureOne and Venture Rewards, the winner depends on your spending habits. After the first year, you’ll have to spend $4,750 just to earn enough miles to offset the Venture Rewards’ $95 annual fee. Spend that much on the no-fee VentureOne and you’ll have already earned $59 in travel rewards.
Your break-even point is about $13,000 in annual spending. If you plan to charge more than this, Venture Rewards should be your choice. Otherwise, the VentureOne is a worthy selection.
Capital One VentureOne: Earn 20,000 bonus miles after spending $1,000 on purchases within the first three months from account opening.
Capital One Venture: Earn 50,000 bonus miles after spending $3,000 on purchases within the first three months from account opening.
Capital One VentureOne: Variable APR on purchases and balance transfers ranges from 13.74% to 23.74%. Enjoy an introductory 0% APR offer for 12 months on purchases. Balance transfers are subject to a variable APR of 13.74% to 23.74%. There is no fee to transfer a balance.
Capital One Venture: Variable APR on purchases and balance transfers ranges from 14.74% to 24.74%. There is no fee to transfer a balance.
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