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The Capital One VentureOne Rewards Credit Card and the Capital One Venture Rewards Credit Card are credit cards designed for consumers who want to earn rewards to use toward travel.
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||14.24% to 24.24% variable||17.99% to 25.24% 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 14.24% to 24.24%. Enjoy an introductory 0% APR offer for 12 months on purchases. Balance transfers are subject to a variable APR of 14.24% to 24.24%. There is no fee to transfer a balance.
Capital One Venture: Variable APR on purchases and balance transfers ranges from 17.99% to 25.24%. There is no fee to transfer a balance.
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