Capital One Venture Rewards
Editor reviewedFlat 2x miles on everything and a 75k bonus for $95, no homework required
Rates verified July 23, 2026Apply nowTracked since2026
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The Bottom Line
Annual fee
$95
Biggest pro
Dead-simple flat 2x earning
Biggest con
No lounge access
At a glance
Rates verified July 23, 2026- Annual fee
- $95
- Rewards
- 2x miles on everything, 5x hotels/rental cars via Capital One Travel
- Welcome bonus
- 75,000 miles after $4,000 in 3 months
- Regular APR
- 19.49%-28.49% variable
- Recommended credit
- good-excellent (700+)
- Issuer
- Capital One
- Network
- Visa
Is it worth it?
Breaks even once rewards top $95 a year
The $95 annual fee pays for itself once your rewards pass $95 in a year. The welcome bonus (75,000 miles after $4,000 in 3 months) alone typically covers the first few years of the fee. If you would not clear the fee in rewards, a no-annual-fee card usually wins.
What is Capital One Venture Rewards?
Flat-rate travel miles without homework: the anti-spreadsheet travel card. It is for people who want travel rewards on every purchase without tracking categories, portals or coupon calendars.
The annual fee is $95 with a regular APR of 19.49% to 28.49% variable. Earning: 2x miles on everything, plus 5x on hotels and rental cars booked via Capital One Travel and Entertainment. The welcome bonus is 75,000 miles after $4,000 in 3 months, worth $750 or more at minimum. Miles can erase any travel purchase, transfer to 15+ partners at roughly 1:1, and the card carries an up to $120 Global Entry or TSA PreCheck credit, an issuer-standard benefit worth confirming in current terms.
The catch: no lounge access, and the 5x rate is tied to the Capital One portal. For lounge access and bigger credits, the Venture X sits $300 up-stack.
Pros & Cons
Pros
- Dead-simple flat 2x earning
- Bonus worth $750+ minimum
Cons
- No lounge access
- Portal-tied 5x rate
Key details
2x miles on every purchase5x on hotels and rental cars via Capital One Travel and Entertainment75,000-mile welcome bonusMiles erase any travel purchaseTransfers to 15+ travel partnersUp to $120 Global Entry/TSA PreCheck credit
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Capital One Venture Rewards FAQ
What is the annual fee on the Capital One Venture?
$95 per year.
What is the current welcome bonus?
75,000 miles after spending $4,000 in the first 3 months, worth $750 or more at minimum.
What credit score do you need?
Good to excellent credit, roughly 700 or higher.
Source: capitalone.com