CAPITAL ONE CREDIT CARD LOST FULL
When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay. These cards won't be worth it if you're paying interest or late fees. We're focused here on the rewards and perks that come with each card. Here's our comparison of the Capital One Venture and Venture X to help you decide if the higher annual fee makes sense for you. It comes with a more comprehensive suite of perks, and while it charges a $395 annual fee, it's possible to get significantly more value from the card if you can use its benefits. If cash back is your priority, check out Insider's guide to the best cash-back credit cards for all the top options.Ĭonversely, if you're looking for upscale benefits like airport lounge access, travel credits, or broader travel protections, you could get a much better deal with the card's premium sibling, the Capital One Venture X Rewards Credit Card. While redeeming for cash is an option, you'll get a poor value for your rewards - just 0.5 cents per mile, versus a minimum of 1 cent per mile when you redeem for travel. This is also not a card to open if you want to use rewards for cash back. Read our comparison of the Capital One Venture vs Capital One VentureOne to help you decide which is better for you. The Capital One Venture Rewards Credit Card charges a $95 annual fee, so if you don't think you'll spend enough on the card or make use of its benefits to offset that cost, you'll likely do better with the card's no-annual-fee version, the Capital One VentureOne Rewards Credit Card. Who shouldn't consider the Capital One Venture Rewards card? And if you want a travel card that covers the main bases as far as benefits go, it's also a solid pick.
You can keep it simple and cash in your miles toward travel at a fixed rate, or dive a little deeper into award travel by transferring your miles to partners.īecause the card earns 2x miles on almost all purchases, it's a good choice if you don't want to keep track of bonus categories. The Capital One Venture Rewards Credit Card is ideal if you're looking for an affordable all-purpose travel rewards card with a strong earning rate on every purchase and a range of redemption options.
Who should consider the Capital One Venture Rewards card? There are some cards that might give you more value, like the Chase Sapphire Preferred Card - which also has a $95 annual fee - or The Platinum Card® from American Express, which comes with premium card benefits. While you can do better in certain spending categories - such as dining and groceries - with other cards, if you value simplicity, earning at least 2x miles on your spending is a solid solution. The Capital One Venture Rewards Credit Card earns 5 miles per dollar on hotels and rental cars booked through Capital One travel, and 2 miles per dollar on all other purchases with no spending caps. The Capital One Venture Rewards Credit Card's welcome bonus offer is worth $750 in travel when you redeem miles at a fixed rate toward travel purchases - but you could get significantly more value when you transfer your miles to Capital One's airline and hotel partners for award travel. Capital One Venture Rewards Card Review: Is It the Best Credit Card for You? While it does carry a $95 annual fee, it offers plenty of value and useful benefits, and it's currently offering a substantial welcome bonus of 75,000 miles after spending $4,000 on purchases within three months from account opening. The Capital One Venture Rewards Credit Card is one of the best credit cards for earning travel rewards at a moderate price point. The welcome bonus is worth at least $750 toward travel, and you can easily use miles to get reimbursed for eligible purchases on your monthly statement. If you want an easy, no-fuss travel credit card, the Capital One Venture Rewards Credit Card is a great fit.
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