Capital One Venture vs. Capital One VentureOne

Capital One is one of my favorite credit card issuers. As a cardholder of the Venture X and the VentureOne (and a former cardholder of the Venture), I have a biased opinion on which cards are worth their weight in plastic. Here’s how the two stack up.

	Capital One Venture	Capital One VentureOne
FinanceBuzz star ratings	4.7 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	4.0 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.
FinanceBuzz value calculation1	Year one earnings: $1,521 Year two earnings: $771	Year one earnings: $731 Year two earnings: $531
Annual fee	$95	$0
Welcome bonus	Earn 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening	Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening
Earning rate	2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25	1.25 miles per dollar on every purchase, every day and 5 miles per dollar on hotels and rental cars booked through Capital One Travel
Intro APR	None	0% intro APR on new purchases for 15 months, then 19.74% - 29.74% (Variable). 0% intro APR on balance transfers for 15 months, then 19.74% - 29.74% (Variable). Balance transfer fee applies.
Notable travel benefits	Global Entry or TSA PreCheck credit (up to $120) Hertz Five Star status $50 experience credit on every Lifestyle Collection stay	None
Foreign transaction fee	None	None
Credit needed	Excellent, Good	Excellent, Good
	Learn More	Learn More

When to go with the Capital One Venture Rewards

The Capital One Venture might be the better option if:

• You want to enroll in Global Entry or TSA PreCheck
• You want a higher earning potential at the cost of an annual fee
• You can meet the spending requirement for the welcome offer

Better earning potential

The Venture Rewards Card earns 2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25; the VentureOne Rewards Card earns 1.25 miles per dollar on every purchase, every day and 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

This might not seem like a huge difference, but when you’re using your card for day-to-day purchases, this can quickly add up. I prefer earning as much as possible, so I’d recommend the Venture or Capital One Venture X Rewards Credit Card over the VentureOne.

Travel benefits

Although you’re paying an annual fee, you are getting benefits with the Capital One Venture Rewards Credit Card that can make it worthwhile. Cardholders receive up to $120 as a statement credit for the application fee for Global Entry or TSA PreCheck. I recommend Global Entry more frequently than any other program. I used my old Venture Card to cover my enrollment almost five years ago and will use my Venture X to pay for my renewal.

In addition, you’ll get Hertz Five Star status, which gives you complimentary upgrades (as available) and bonus points on bookings. If you book a stay at a Lifestyle Collection property through Capital One Travel, you’ll receive a $50 experience credit and room upgrades as available.

Although minor, these perks elevate your travel experience and make Venture a better option for frequent travelers.

When to go with the Capital One VentureOne

The Capital One VentureOne might be the better option if:

• You want to take advantage of an 0% intro APR period for purchases or balance transfers
• You don’t want to pay an annual fee

No Annual fee

The Capital One Venture Rewards carries an annual fee of $95. The VentureOne Card, however, has a $0 annual fee for as long as you have it. If you have several cards with annual fees, you know how quickly they can add up.

Introductory APR

The Capital One VentureOne Rewards boasts a 0% intro APR on purchases for the first 15 months of the new account. After that, the APR is 19.74% - 29.74% (Variable). There’s also a 0% APR for balance transfers for 15 months (then 19.74% - 29.74% (Variable)). Balance transfer fee applies.

On the other hand, the Capital One Venture Rewards Card doesn’t offer an introductory APR for purchases or balance transfers. Ideally, you won’t want to carry a balance on the Venture, as you can quickly accumulate interest. If you are planning a large purchase or have a high-interest balance on another card, you may prefer the VentureOne.

A closer look at the welcome bonuses

With the Capital One Venture Rewards Card, you can earn 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening. On the other hand, the Capital One VentureOne Rewards will earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening. The VentureOne Rewards Card offers substantially less value but provides a much more attainable spending requirement.

Consider alternative options

The Venture and VentureOne are both issued by Capital One, meaning their benefits and rewards structure are similar. However, there are some places where both cards fall flat, and you might want to consider cards from other issuers to fix these issues.

Both cards require excellent credit, which can be prohibitive for many consumers, especially those who might be in the market for a no-annual-fee option. Plus, apart from Capital One Travel bookings, there aren’t any ways to maximize your earnings or bonus categories you can take advantage of.

These cards are designed to be excellent options for everyday expenses. However, if you want to earn more miles per dollar in select categories, pair your Venture or VentureOne with a card from another issuer. I love pairing my Venture X with my Chase Sapphire Preferred^® Card and various hotel and airline co-branded cards. This ensures that I’m earning at least two and up to six or more points per dollar I spend.

FAQs

Bottom line

If you like the idea of quick mileage accrual and easy redemptions, the Venture lineup has an option for you. The best option between these cards will depend on how much you’re willing to spend and which benefits you’ll use.

Before applying, analyze your spending habits, travel goals, financial situation, and current points and miles strategy. Capital One is one of my favorite issuers for a reason — whether you apply for the Venture Rewards or VentureOne Card, you’ll get plenty of benefits and great customer service.

Easy-to-Earn Unlimited Rewards

Bank of America^® Travel Rewards credit card

Benefits

Card Details

• $0 annual fee
• Simple, flat-rate rewards
• Flexible redemption options
• Up to 75% preferred Rewards bonus potential
• Apply Now

• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.49% - 28.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

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FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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Intro Offer

Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases

Annual Fee

$0

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Why we like it

• The Bank of America^® Travel Rewards credit card is great for individuals who enjoy earning rewards and traveling.

• Cardholders will enjoy the flexibility to redeem points with no blackout dates and receive a statement credit to pay for travel and dining purchases.

• Earn 1.5X points on all purchases everywhere, every time.

• Apply Now