When it comes to Capital One's credit card offerings, the Venture and VentureOne cards stand out as popular choices for mid level cards, each with its unique perks and features.
Whether you're a frequent traveler looking for robust rewards or a savvy spender focused on saving, this comparison will shed light on the nuances of these two cards, helping you make an informed decision tailored to your financial preferences and lifestyle.
General Comparison: Capital One Venture vs. VentureOne
The Venture card is perfect for frequent travelers who want to earn great rewards. With a higher annual fee, it offers a generous rewards program, giving at least 2X miles on every purchase.
In contrast, the VentureOne card is ideal for those looking to save. With no annual fee, it's a more budget-friendly option that still offers a rewards program, though the miles per dollar spent are lower compared to the Venture card. Plus, it comes with a 0% intro APR.
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Credit Card Points Battle: Venture vs. VentureOne
The Venture card provides a higher rewards rate across all categories, making it an excellent choice for frequent travelers. These miles can be redeemed for travel expenses, adding great value for those always on the go.
Capital One Travel also offers flexible points redemption options, allowing users to easily combine travel and lifestyle rewards. Points can be redeemed for flights, hotels, and car rentals, or transferred to partner airlines and hotels, expanding the range of options and increasing the value of your rewards.
|
| |
|---|---|---|
Spend Per Category | Capital One VentureOne | Capital One Venture |
$15,000 – U.S Supermarkets | 18,750 miles | 30,000 miles |
$5,000 – Restaurants
| 6,250 miles | 10,000 miles |
$5,000 – Airline | 6,250 miles | 10,000 miles |
$5,000 – Hotels | 25,000 miles | 25,000 miles |
$4,000 – Gas | 5,000 miles | 8,000 miles |
Estimated Annual Value | 61,250 miles (About $612) | 83,000 miles ( $830) |
Which Benefits Of You'll Get On Both Cards?
There are some additional types of perks that you will see with both of these cards:
- Capital One Dining and Entertainment: Enjoy exclusive reservations at award-winning restaurants and access to culinary experiences, as well as exclusive pre-sales, tickets, and more for music, sports, and dining events.
- No Foreign Transaction Fees: You won’t pay a transaction fee when making a purchase outside of the United States
- Auto Rental Collision Damage Waiver: Enjoy primary coverage against theft and collision damage for most rental cars globally, provided you opt out of the rental company's insurance. Reimbursement extends up to the actual cash value of the vehicle.
- Purchase Protection: Safeguard your new purchases from damage or theft with comprehensive coverage.
- Extended Warranty Protection: Extend the existing U.S. manufacturer's warranty by an additional year for eligible warranties lasting three years or less.
- Travel Accident Insurance: Automatically receive insurance coverage for eligible losses when you use your credit card to purchase your travel fare.
- 24-Hour Travel Assistance Services: In the event of a lost or stolen credit card, access emergency services such as an immediate replacement card and cash advance.
Which Benefits You'll Get Only With The Venture?
The Venture offers some unique, premium benefits for cardholders that you won't be able to get with the VentureOne card:
- Capital One Lounges: Cardholders can escape airport crowds by accessing all-inclusive Lounges with unlimited complimentary access for themselves and two guests per visit.
- Hertz Gold Plus Rewards President's Circle® status: Venture X cardholders are eligible for complimentary Hertz President’s Circle status, allowing them to skip the rental counter, choose from a wide selection of cars, and receive guaranteed upgrades.
- Global Entry or TSA PreCheck® Credit: Receive up to a $100 credit for Global Entry or TSA PreCheck®.
- Partner Lounge Network: Enjoy unlimited access for yourself and two guests to over 1,300 lounges worldwide from Priority Pass™ and Plaza Premium Group.
- Miles Redemption: Use your Capital One miles to cover various travel expenses, such as flights, hotels, rental cars, and transfer miles to a choice of 17+ travel loyalty programs. It's quick and easy to do it via Capital One app:
Which Benefits You'll Get Only With The VentureOne ?
With the VentureOne card, cardholders can get 0% intro APR for 18 months on purchases and balance transfers. This is something unique to VentureOne and you won't be able to get it with the Venture card.
When You Might Want the Capital One Venture?
Here are scenarios where the Venture card might be the superior choice:
- Frequent Traveler: If you find yourself jet-setting often for business or leisure, the Capital One Venture card is a stronger choice. Its higher annual fee is justified by more robust travel rewards, making it a valuable companion for those who accumulate miles quickly and want to maximize their travel benefits.
- Lounge Access: For those who enjoy premium travel experiences, the Venture card's enhanced rewards can be particularly appealing as the additional benefits include access to airport lounges.
- Big Spender: If you tend to make significant purchases regularly, the Venture card's higher miles-per-dollar spent ratio becomes advantageous. The more you spend, the more you earn in rewards, making it a lucrative option for individuals with higher monthly expenses.
When You Might Want the Capital One VentureOne?
Here are scenarios where opting for the VentureOne might be the smarter choice:
- Introductory 0% APR: If you're planning a larger purchase or need to carry a balance for a short period, the VentureOne card's 0% introductory APR can be a significant advantage. This feature allows you to make purchases without incurring interest charges for an initial period, providing financial flexibility.
- Cost Conscious: If you're looking to minimize expenses and avoid annual fees, the VentureOne card is a practical choice, offering a rewards program without the added cost.
- Building Credit: If you're establishing or rebuilding credit and want a rewards card without committing to an annual fee, the VentureOne offers a good entry point.
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Compare The Alternatives
If you're looking for a travel rewards credit card– there are some excellent alternatives you may want to consider: