Capital One
Venture Rewards
Estimated value every year on typical spending
$554/ year
Every year, after the annual fee. Year one adds a $750 welcome bonus: $1,304
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: Global Entry or TSA PreCheck Credit $25
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
On typical spending the Capital One Venture Rewards returns about $649 a year in rewards and usable credits, which covers its $95 fee with $554 to spare. The welcome bonus adds roughly $750 in the first year.
The fine print
- Intro APR
- Not listed
- Regular APR
- 19.74% to 28.74% variable
- Foreign fee
- None
- Top perk
- $300 stays credit
- Approval
- Excellent credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 2X miles on every purchase
- 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel
Sign-up bonus
75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.
Best for
- Travelers who redeem points
Not ideal for
- People who want plain cash back
- Thin or new credit files
Trade-offs: Higher annual fee ↔ richer rewards & perks; Better travel value ↔ less straightforward than cash back; Top-tier earning ↔ harder to qualify for; Large welcome bonus ↔ higher spend requirement.
Worth knowing
- Annual fee
- $95
- Intro APR
- Not listed
- Regular APR
- 19.74% to 28.74% variable
- $1200/mo on everyday spending earns about $288/year (2x).
- You come out ahead of a no-fee 1% card after about $9500/year of everyday spending spending.
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Venture Rewards: questions people ask
Is the Capital One Venture Rewards worth it?
On typical spending the Capital One Venture Rewards returns about $649 a year in rewards and usable credits, which covers its $95 fee with $554 to spare. The welcome bonus adds roughly $750 in the first year.
What is the Capital One Venture Rewards annual fee?
The Capital One Venture Rewards has a $95 annual fee. On typical spending its rewards and usable credits come to about $649 a year, so it nets about $554 after the fee.
What is the Capital One Venture Rewards welcome bonus?
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening. We value it at about $750. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Capital One Venture Rewards earn?
2X miles on every purchase. 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
What credit score do you need for the Capital One Venture Rewards?
The issuer recommends excellent credit. Checking your matches on CardFit never runs a credit check.
Does the Capital One Venture Rewards charge foreign transaction fees?
No. The Capital One Venture Rewards has no foreign transaction fee.
Compare Venture Rewards
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Capital One product page. Terms change often; confirm them with the issuer before you apply.