Capital One · Visa
Capital One VentureOne Rewards Credit Card
Occasional travelers who want miles with no annual fee and transfer partner access
No annual fee
Why people consider it
- 1.25x on every purchase.
- Points transfer to 10 airline and hotel partners.
- No foreign transaction fees.
Current welcome offer
Welcome offer: 20,000 miles≈ $300 at our typical valuation
Requirement: Spend $500 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.
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
$1,080/year
for the sample household ($4,800/month) · points at typical value
First-year value
$1,380 first year
Includes: +$300 welcome offer (20,000 miles at our typical value)
$300 is one-time. $1,080/year is ongoing.
To earn the bonus: spend $500 in 3 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- none
- Major trade-offs:
- 1.25x base rate is lower than Quicksilver's flat 1.5% Miles worth only 1¢ unless transferred wisely
- Against a no-fee alternative:
- This is a no-fee card — nothing to earn back.
Detailed research
Full reward table and category caps
Hotels, vacation rentals and rental cars booked through Capital One Travel
Point value: ~1.5¢ each
Optional benefits and credits
Perks (not counted in our math)
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
- + 1.25x miles on every purchase with no annual fee
- + Access to Capital One transfer partners (same as Venture X)
- + No foreign transaction fees
- + 5x on hotels booked through Capital One Travel portal
Cons
- - 1.25x base rate is lower than Quicksilver's flat 1.5%
- - Miles worth only 1¢ unless transferred wisely
- - 5x hotel rate only through portal, not direct bookings
- - 20,000-mile bonus is modest compared to Venture's 75,000
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.