Capital One
Capital One Venture
Capital One Venture costs $95 annual fee and earns up to 2× on everyday spending. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Capital One Venture returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- $95 annual fee
- Best earn rate
- 2× everyday spending
- Points value
- 1.8500000000000003¢ a point
- Used when you transfer to a travel partner. Cash back is worth 1¢.
- Welcome bonus
- 75,000 points
- About $1,388 if you redeem at 1.8500000000000003¢ a point, and only if you clear the spending requirement.
- Foreign transaction fee
- none
What the Capital One Venture earns
Hotels and rental cars through the issuer's travel site
5×
Only through the issuer's portal
| Category | Rate | Conditions |
|---|---|---|
| Hotels and rental cars through the issuer's travel site | 5× | Only through the issuer's portal |
Rates checked with the issuer in October 2026. Spending outside these categories earns 2×. Confirm current terms with the issuer before you apply.
Is the Capital One Venture right for you?
Enter a typical month. You will see what the Capital One Venture returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
+$833
+$580
+$533
Atmos Rewards Ascent Visa Signature Card
2× gas, 2× transit; 1× everything else. $95 annual fee.
Rewards $455 · Fee −$95
+$360
How we estimate
- Every rate on this page comes from the card catalog. Capital One Venture pays 2× on spending outside the bonus categories listed above, and up to 2× on everyday spending.
- We value this card's points at 1.8500000000000003¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
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Welcome bonus
75,000 points
About $1,388 if you redeem at 1.8500000000000003¢ a point, and only if you clear the spending requirement.
Points and partners
Capital One Miles
Transferable to airline and hotel partners.
Airlines
Aeromexico, Air Canada, Air France-KLM, Avianca, British Airways, Cathay Pacific, Emirates, Etihad, EVA Air (2:1.5), Finnair, JetBlue (2:1.2), Qantas, Singapore Airlines, TAP Air Portugal, Turkish Airlines, Virgin Red
Hotels
Accor (2:1), Choice, Wyndham
Where this data came from
Checked capitalone.com 2026-10-05. $95 annual fee. 75,000 miles after $4,000 in 3 months. 2x miles on everything, 5x on hotels, vacation rentals and rental cars through Capital One Travel. New $300 Capital One Travel Stays credit in the first year, usable on hotels and vacation rentals and expiring one year after the account opens. The Global Entry credit rose from $100 to $120. Hertz Five Star status is new and not modeled.
FAQ
The Capital One Venture charges $95 a year. Earning alone will not cover the fee: this card pays the same rate as its rivals in the categories most people use. It has to be worth it through credits, the welcome bonus, or a transfer partner you would use.
2× on everyday spending, and 2× on spending outside its bonus categories.
It depends on your mix, not the card. Earning alone will not cover the fee: this card pays the same rate as its rivals in the categories most people use. It has to be worth it through credits, the welcome bonus, or a transfer partner you would use. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is 75,000 points, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply. At 1.8500000000000003¢ a point that is about $1,388, before you count the annual fee and whether you would clear the spending requirement for it.
Yes. It earns Capital One Miles, which you can transfer to the partners below. Airlines: Aeromexico, Air Canada, Air France-KLM, Avianca, British Airways, Cathay Pacific, Emirates, Etihad, EVA Air (2:1.5), Finnair, JetBlue (2:1.2), Qantas, Singapore Airlines, TAP Air Portugal, Turkish Airlines, Virgin Red. Hotels: Accor (2:1), Choice, Wyndham. Transfers are what make a 1.8500000000000003¢ valuation reachable; using the points for cash back is worth far less.
No. The Capital One Venture charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.