Capital One Venture Rewards review

Capital One Venture Rewards is the low-effort option in this list. Every purchase earns 2x miles with no categories to track, and hotels, vacation rentals and rental cars booked through Capital One Travel earn 5x. Redemption is equally simple: Capital One lets you redeem miles against travel purchases made with the card within 90 days, book through its portal, or transfer to 15+ travel loyalty programs when you want more from an award. The current limited-time offer pairs 75,000 bonus miles after $4,000 in purchases in the first 3 months with $300 for hotel and vacation rental bookings through Capital One Travel in the first cardholder year. Other travel extras are a Global Entry or TSA PreCheck credit of up to $120, Hertz Five Star status and a $50 credit on Lifestyle Collection stays. It has no lounge access and no extra points for dining or groceries, so heavy restaurant spenders earn more elsewhere.

Who it is for

Travelers who want one simple earn rate

Price

$95 annual fee; 75,000 bonus miles after $4,000 in purchases in the first 3 months.

Annual fee $95 Purchase rate 19.74% - 28.74% variable APR
Quoted from the vendor pricing page on November 12, 2026.

Key features

• Unlimited 2x miles per dollar on every purchase
• 5x miles on hotels, vacation rentals and rental cars booked through Capital One Travel
• Redeem miles for travel bought anywhere with the card within 90 days
• Transfer miles to 15+ travel loyalty programs
• Up to $120 credit for Global Entry or TSA PreCheck

Strengths and weaknesses

• Strength: Limited-time offer of $300 for Capital One Travel hotel and vacation rental bookings in the first year plus 75,000 miles
• Strength: $50 experience credit on every Lifestyle Collection stay
• Strength: No foreign transaction fees, blackout dates or seat restrictions
• Weakness: No lounge access
• Weakness: No bonus category for dining or groceries
• Weakness: The $300 stays credit is a limited-time first-year offer

Key facts

• Annual fee: $95
• Base earn: 2x miles on all purchases
• Welcome offer: 75,000 miles after $4,000 in 3 months
• Transfer partners: 15+

Where it ranks

Capital One Venture Rewards is No. 3 in our Best Travel Credit Cards verdict.