Capital One · Visa
Capital One Venture
Flat-Rate Travel (Mid-Tier)
$95 annual fee up to $50/yr in credits if you use them
Why people consider it
- 2x on every purchase.
- Points transfer to 10 airline and hotel partners.
- Simple 2x on everything.
Current welcome offer
Current: 75,000 miles
Recent typical offer: 75,000 miles
Current offer matches recent typical offers.
Welcome offer: 75,000 miles≈ $1,125 at our typical valuation+ up to $300 first-year Capital One Travel credit if you'll use it
Requirement: Spend $4,000 in 3 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
Details: 75,000 miles after $4,000 spend in 3 months, plus a $300 statement credit toward hotel and vacation-rental bookings through Capital One Travel in your first year (live since 2026-09-08, no end date published; the standing offer before it was the same 75,000 miles without the credit). Capital One prints it as a limited-time offer with no end date.
Recommended credit score: 670+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Is this card worth it?
Ongoing value
$1,633/year
for the sample household ($4,800/month) · points at typical value
Counted first-year value
$2,758 first year
Includes: +$1,125 welcome offer (75,000 miles at our typical value)
Additional first-year opportunity: Up to $300 in eligible Capital One Travel credit — counted only if you tell us you use it.Potential value with confirmed credit use: up to $3,058
$1,125 is one-time. $1,633/year is ongoing.
To earn the bonus: spend $4,000 in 3 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- $95, charged in full — credits count only if you use them
- Major trade-offs:
- $95 annual fee No lounge access
- Against a no-fee alternative:
- The fee earns its keep. Capital One Venture nets $481 more per year than the best $0-fee option (Citi Double Cash), after its fee. (The sample household; run your own numbers.)
Detailed research
Full reward table and category caps
Hotels & rental cars via C1 Travel
Tickets booked through the Capital One Entertainment portal
Point value: ~1.5¢ each
Optional benefits and credits
Credits — if you use them
$50 experience credit on Lifestyle Collection hotel and vacation-rental bookings through Capital One Travel
Perks (not counted in our math)
Complimentary Hertz Gold Plus Rewards Five Star status — enroll through the Benefits tab
Apply at ttp.cbp.dhs.gov, pay with this card; shown at its ~$30/yr annualized value
Redemption and transfer information
Points transfer to 10 airline and hotel partners — often where the highest redemption values live.
Approval and bonus eligibility caveats
Recommended credit score: 670+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Capital One's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + 2x miles on every purchase — no category tracking
- + Great transfer partners
- + Lower annual fee than Venture X
- + Easy to maximize
Cons
- - $95 annual fee
- - No lounge access
- - Points worth less than Chase/Amex without transfers
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.