Capital One Venture Rewards
$95 annual fee · $30/yr in printed statement credits · 2x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | 2x | uncapped |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
5x | uncapped |
| Entertainment at Capital One Entertainment only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
5x | uncapped |
Signup bonus: 75,000 points after $4,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Bonus figure confirmed on the issuer's page 2026-09-14.
Statement credits — $30/yr on paper · how we got this
| Credit | Value | How it pays |
|---|---|---|
| Global Entry / TSA PreCheck credit | $30/year | once every 4 years |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- $50 Lifestyle Collection hotel/vacation rental experience credit per stay, plus room upgrades/late checkout when available
- Hertz Five Star status (enrollment required)
- Auto rental collision damage waiver, travel accident insurance
- No blackout dates; miles don't expire for life of account
- Free authorized users
- Extended warranty on eligible purchases
Does the fee earn out? · how we got this
The $95 fee minus $30 in printed credits leaves $65/yr to earn back through rewards — roughly $2,500 of spending at the base rate (valuing Capital One miles at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.
Is this $95 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who doesn't spend at the issuer's travel portal. Its largest printed rate, 5x on issuer travel portal, pays only at the issuer's travel portal. Elsewhere in that category the card earns 5x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
Compared head-to-head
- Capital One Venture Rewards vs Chase Sapphire Preferred — which earns more?
- Capital One Venture X vs Capital One Venture Rewards vs Capital One VentureOne Rewards — all three side by side
- Chase Sapphire Preferred vs Capital One Venture Rewards vs Citi Strata Premier® Card — all three side by side
- Capital One Venture X vs Capital One Venture Rewards vs Chase Sapphire Preferred — all three side by side
- Bilt Blue Card vs Chase Sapphire Preferred vs Capital One Venture Rewards — all three side by side
Don't want the fee any more?
Capital One Venture Rewards can normally be product-changed to one lower-fee card in the Capital One Venture family instead of being closed — which keeps the account, its age and its credit line.
Comparing cards in the same currency? See the best cards that earn Capital One miles →
More from Capital One
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-03 against issuer terms · sources: www.capitalone.com. Spot an error? Tell us.