VentureOne Rewards vs Bank of America Travel Rewards Credit Card
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
VentureOne Rewards
Estimated value every year on typical spending
$390/ year
Every year, after the annual fee. Year one adds a $200 welcome bonus: $590
Bank of America Travel Rewards Credit Card
Estimated value every year on typical spending
$468/ year
Every year, after the annual fee. Year one adds a $250 welcome bonus: $718
The short answer
- On typical spending, the Bank of America Travel Rewards Credit Card comes out ahead: about $468 a year after its fee, against $390 for the Capital One VentureOne Rewards.
- The Bank of America Travel Rewards Credit Card earns more on groceries, dining, gas, travel, everything else.
Side by side
| VentureOne Rewards | Bank of America Travel Rewards Credit Card | |
|---|---|---|
| Annual fee | $0 | $0 |
| Rewards | 1.25 miles per dollar on every purchase; 5 miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One Travel | 1.5 points per $1 on everyday purchases |
| Welcome bonus | Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening | 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening – which can be redeemed for a $250 statement credit toward travel and dining purchases |
| Credits counted | $0/yr | $0/yr |
| Intro APR | 0% for the first 15 months | 0% for the first 15 billing cycles |
| Regular APR | 18.74% to 28.74% variable | 17.74% to 27.74% variable |
| Foreign transaction fee | None | None |
| Credit needed | Excellent | Not specified |
Yearly rewards by category
| Category (monthly spend) | VentureOne Rewards | Bank of America Travel Rewards Credit Card |
|---|---|---|
| groceries ($500) | $75 | $90 |
| dining ($400) | $60 | $72 |
| gas ($200) | $30 | $36 |
| travel ($300) | $45 | $54 |
| everything else ($1,200) | $180 | $216 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the Capital One VentureOne Rewards or the Bank of America Travel Rewards Credit Card?
On typical spending the Bank of America Travel Rewards Credit Card is worth more: about $468 a year after its fee, against $390 for the Capital One VentureOne Rewards. Which is better for you depends on where you spend most; see the category answers below.
Which is better for groceries?
The Bank of America Travel Rewards Credit Card. On $500 a month of groceries it earns about $90 a year, against $75 with the Capital One VentureOne Rewards.
Which is better for dining?
The Bank of America Travel Rewards Credit Card. On $400 a month of dining it earns about $72 a year, against $60 with the Capital One VentureOne Rewards.
Which is better for travel?
The Bank of America Travel Rewards Credit Card. On $300 a month of travel it earns about $54 a year, against $45 with the Capital One VentureOne Rewards.
Which is better for gas?
The Bank of America Travel Rewards Credit Card. On $200 a month of gas it earns about $36 a year, against $30 with the Capital One VentureOne Rewards.
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Pick any cards, including ones you already hold, and compare them on your own spending.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.