Capital One VentureOne Rewards Credit score Card overview: Full particulars
Capital One VentureOne Rewards Credit score Card overview
The no-annual-fee Capital One VentureOne Rewards Credit score Card (see charges and costs) affords the identical nice redemption choices as its sister playing cards, the Capital One Enterprise Rewards Credit score Card and the Capital One Enterprise X Rewards Credit score Card — however with a decrease rewards fee and fewer perks. The miles earned on the cardboard might be transferred to Capital One’s 15-plus airline and lodge companions or redeemed straight as a press release credit score on eligible purchases. Card Score*: ⭐⭐⭐
*Card ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Regardless of which card from the Capital One Enterprise household you select, all three choices supply easy earnings constructions, 15-plus airline and lodge switch companions and easy-to-use rewards.
For individuals who like an easy possibility for incomes and redeeming rewards, you may also use your miles to “pay” again journey purchases charged to your card previously 90 days.
It has no annual payment and, TPG recommends a credit score rating of 670 or larger.
For those who’re not sure about paying an annual payment, take into account the Capital One VentureOne Rewards Credit score Card.
Capital One VentureOne professionals and cons
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Capital One VentureOne welcome supply
The Capital One VentureOne Rewards comes with a sign-up bonus of 20,000 bonus miles when you spend $500 inside the first three months from account opening. Based mostly on TPG valuations that peg Capital One Enterprise miles at 1.85 cents apiece, this sign-up bonus is value $370.
That is considerably lower than the Enterprise card’s bonus, which is presently 75,000 miles after you spend $4,000 on purchases inside the first three months of account opening, valued at $1,388 by TPG.
Nevertheless, the 20,000-mile bonus remains to be larger than what many different no-annual-fee playing cards supply (see charges and costs). Moreover, the spending requirement for the VentureOne card’s bonus is way simpler to satisfy than the Enterprise card, with it requiring simply $500 in spending.
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Capital One VentureOne advantages
The VentureOne card comes with the usual suite of World Elite Mastercard journey and buying advantages, together with:
Along with these World Elite Mastercard perks, the VentureOne is among the many few no-annual-fee playing cards with no international transaction charges (see charges and costs), making it an excellent possibility to make use of outdoors of the U.S. Advantages are solely accessible to accounts permitted for the World Elite Mastercard card, and phrases apply.
Incomes miles on the Capital One VentureOne
The VentureOne incomes scheme is just like the $95-a-year Enterprise card (see charges and costs) however with a barely decrease return on on a regular basis spending.
You may earn a flat 1.25 miles per greenback on on a regular basis purchases, which equates to a stable 2.33% return utilizing TPG valuations. Whereas first rate, it is not one of the best return for on a regular basis spending. Nevertheless, the advantage of a vast incomes fee is that you do not have to maintain up with a number of bonus classes — exchanging simplicity for maximizing worth.
Plus, in case you are reserving accommodations and rental automobiles by means of the Capital One journey portal, you will earn 5 miles per greenback on these reservations — a stable 9.25% return.
Redeeming miles on the Capital One VentureOne
You’ve gotten a number of choices in terms of redeeming Enterprise miles.
Probably the most simple approach is to make use of them to pay for eligible purchases as a press release credit score. This lets you check in to your Enterprise Rewards on-line account and redeem miles at a flat 1 cent apiece for a press release credit score towards eligible journey purchases you have made with the cardboard within the final 90 days.
This consists of many journey bills that conventional miles will not cowl, from Uber rides to Airbnb stays. There are not any award charts, blackout dates or minimal redemption quantity.
Associated: Use your Capital One Enterprise miles to remain at these 10 beautiful Airbnb properties
Transferring miles on the Capital One VentureOne
Nevertheless, to get extra worth out of your sign-up bonus, you could possibly be like TPG bank cards editor Emily Thompson and check out the extra superior redemption possibility — maximizing Capital One’s switch companions.
Capital One has 15-plus airline and lodge companions to which you’ll switch your miles, together with Avianca LifeMiles, British Airways Govt Membership, Etihad Visitor and Turkish Airways Miles&Smiles.
This redemption possibility is barely extra superior than simply redeeming towards prices at a hard and fast worth, nevertheless it’s not as troublesome because it sounds. We’ve loads of guides that may train you the way to greatest redeem your miles utilizing switch companions:
Which playing cards compete with the Capital One VentureOne?
If this card sounds fairly interesting, know that there are literally a number of no-annual-fee playing cards that compete with the VentureOne, plus its older sibling:
For extra choices, take a look at our full checklist of the greatest no-annual-fee playing cards.
Learn extra: The ability of the Chase Trifecta: Sapphire Reserve, Ink Most well-liked and Freedom Limitless
Is the Capital One VentureOne value it?
Backside line
Along with its perks and sign-up bonus, the Capital One VentureOne Rewards Credit score Card additionally beats different no-annual-fee playing cards for perks comparable to no international transaction charges (see charges and costs). It is a budget-friendly possibility for Capital One followers and frequent vacationers alike.
Apply right here: Capital One VentureOne Rewards
For Capital One merchandise listed on this web page, a few of the above advantages are offered by Visa® or Mastercard® and will range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
