VentureOne Rewards from Capital One: 1.25X Miles on All Purchases with No Annual Fee

Pros and Cons

Pros:

• Simple flat-rate rewards
• Flexible redemption
• No annual fee
• No foreign transaction fees
• Sign-up bonus
• Intro 0% APR on purchases and balance transfers
• Miles can be transferred to over 15 airline and hotel partners

Cons:

• Low rewards rate compared to other travel and flat-rate credit cards
• Capital One transfer partners do not include any large U.S. airlines

Welcome Offer

Earn 20,000 bonus miles after spending $500 in the first 3 months.

Rewards

• 5X Miles on Hotels, Vacation Rentals, and Rental Cars booked through Capital One Travel.
• 1.25x Miles on all other purchases.

Redemption Options

• Flexible Redemption: Redeem miles as a statement credit for past travel purchases, to book a new travel through the Capital One travel portal, experiences, purchases at Amazon.com, PayPal checkout, and more.

Big4credit Tip: Using miles for non-travel redemptions, such as purchases on Amazon.com or redeeming for gift cards typically delivers less value than other redemption options.

• Book a trip: 1 cent per mile
• Cover travel purchases: 1 cent per mile
• Redeem with PayPal: 0.8 cent per mile
• Shop with Amazon: 0.8 cent per mile
• Get gift cards: 0.8 cents - 1 cent per mile
• Redeem for cash: 0.5 cent per mile

• Transfer Miles to Travel Partners: Transfer your miles to 15+ airline and hotel loyalty programs for added travel flexibility.

Capital One airline transfer partners:

• Aeromexico Rewards (1:1 ratio)
• Air Canada Aeroplan^® (1:1 ratio)
• Avianca Lifemiles (1:1 ratio)
• British Airways Club (1:1 ratio)
• Cathay Pacific Asia Miles (1:1 ratio)
• Emirates Skywards (2:1.5 ratio)
• Etihad Guest (1:1 ratio)
• EVA Air (2:1.5 ratio)
• Finnair Plus (1:1 ratio)
• Flying Blue (1:1 ratio)
• Japan Airlines Mileage Bank (2:1.5 ratio)
• JetBlue (5:3 ratio)
• Qantas Frequent Flyer (1:1 ratio)
• Qatar Airways Privilege Club (1:1 ratio)
• Singapore Airlines KrisFlyer (1:1 ratio)
• TAP Miles&Go (1:1 ratio)
• Turkish Airlines Miles&Smiles (1:1 ratio)
• Virgin Red (1:1 ratio)

Capital One hotel transfer partners:

• Accor Live Limitless (2:1 ratio)
• Choice Privileges (1:1 ratio)
• I Prefer Hotel Rewards (1:2 ratio)
• Wyndham Rewards (1:1 ratio)

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases and Balance Transfers: For 15 months from account opening.
• Regular APR: After the introductory period, a variable APR of 18.49%, 24.49%, or 28.49% applies to purchases and balance transfers.
• Intro Balance Transfer Fees: 3% of each transferred amount that posts to your account within the first 15 months of account opening, then 4% on future promotional balance transfers.
• Regular Balance Transfer Fees: After the introductory period, balance transfers made at the standard purchase APR are not subject to a balance transfer fee.
• Foreign Transaction Fee: None.

Travel Benefits

• Hertz Five Star^® Status: Enjoy complimentary Hertz Five Star^® status just for being cardholder. Skip the rental counter at selected locations, get access to a wider range of vehicle, and enjoy faster service and special upgrades when available.
• Flight Price Drop Protection: If a flight price drops within 10 days of booking through Capital One Travel, you may receive up to $50 in travel credit.
• Price Match Guarantee: Eligible bookings through Capital One Travel can be price-matched if a lower price is found.

Travel & Emergency Assistance

Emergency Card Services: 24/7 assistance for emergency card replacement and cash advances if your card is lost or stolen.

Convenience Features

• Authorized Users: Add authorized users at no cost and earn rewards on their purchases.
• Automatic Credit Line Reviews: Eligible accounts may be periodically reviewed for credit line increases based on eligibility and account history.

Nice Extras

• Capital One Travel: Integrated travel booking portal with price prediction tools.
• Entertainment Access: Capital One Entertainment^® (presale ticket access and occasional exclusive events).
• Capital One Café Perk: 50% off handcrafted drinks at Capital One Café locations.
• Capital One Dining: Access to select restaurant reservations and curated dining experiences.

Shopping & Savings

• Capital One Shopping: An online shopping tool that automatically applies available coupon codes to help you save at checkout.
• Capital One Offers: Targeted merchant offers that may provide statement credits or bonus rewards on qualifying purchases. Offers vary by card and availability.

» MORE: Capital One Shopping Offers: Real Experience – What Works and What Doesn’t

Additional Features

• Card Lock: Instantly lock your card if it’s misplaced, lost, or stolen.
• Virtual Card Numbers: Make safer online payments without sharing your actual card number with merchants.
• CreditWise by Capital One: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.

Ratings

• Net Value & Cost Efficiency: 6.7/10
• Rewards & Earnings Power: 9.3/10
• Welcome Bonus Value: 4/10
• APR & Interest Structure: 8.3/10
• Simplicity & Transparency: 9/10
• Perks, Benefits & Protections: 2.6/10
• Issuer Credibility & Stability: 7.1/10
• Installment & BNPL Features: 0/10
• Eligibility & Approval Accessibility: 8/10

Terms and Conditions

Click Apply Now to see the terms and conditions.

EarnSmart Rewards Strategy

• Savor Rewards: Earn elevated cashback on dining, groceries, and entertainment, helping maximize everyday spending alongside VentureOne Rewards travel benefits.
• Discover it^®: Earn 5% cashback on rotating quarterly categories (activation required), adding high-reward opportunities across a variety of everyday spending categories.

Capital One 360 Checking

Capital One bank accounts pair well with the VentureOne Rewards credit card for users who prefer to keep their banking and rewards setup within the same ecosystem. Capital One offers a simple, fee-free checking option that complements its credit card products.

• Capital One 360 Checking is a popular no-fee checking account with no monthly maintenance fees and no minimum balance requirements. It now offers a $300 welcome bonus with qualifying direct deposits for new customers.

Capital One credit card customer service: 1-800-227-4825

» MORE: See Big4credit’s best travel credit cards