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If you’re looking for a flat-rate travel rewards credit card or the tv commercials have caught your interest, the Capital One® Venture® Rewards Credit Card might be a good fit for you. With a reasonable annual fee and a competitive rewards rate, there is a lot to like about it. But, is it the best travel credit card for you? Let’s dive deeper into this Capital One Venture card review 2019.

Learn more: Capital One® Venture® Rewards Credit Card

Capital One Venture Card Review 2019

Capital One Venture Bonus Earn 50,000 Bonus Miles

New Capital One Venture card holders will earn 50,000 bonus miles after spending $3,000 in the first three months. This bonus offer is worth $500 in award travel. This is a competitive and achievable sign-up bonus. It’s not as valuable as the Sapphire Preferred at $750 in bonus travel rewards but, Chase also requires you to spend $4,000 in the same time period to qualify.

It doesn’t appear that this bonus is available to everyone. The terms and conditions state, “The bonus may not be available for existing or previous accountholders.” If you have earned a Venture Capital One bonus in the past, I wouldn’t plan on receiving it a second time.

Learn more: Capital One® Venture® Rewards Credit Card

Earn Double Miles on Every Purchase with Venture Capital One

Do you like the thought of earning two miles for every $1 spent, regardless of the purchase type? Having a flat-rate reward miles program makes it easy to know how many miles you will earn with each person. It’s the same amount every time. A 2% flat rewards rate is pretty good as most flexible travel rewards cards in this annual fee range either have a similar double miles flat-rate payout or offer double miles on the travel and dining.

Honestly, the double miles on every purchase is probably the best reason to own the Capital One Venture Credit Card. Very few cards offer bonus miles for everyday spending. This helps casual travelers quickly earn miles to pay for their occasional trip.

Capital One Venture Rewards Credit Card review

Capital One Venture Review: Redeem Miles for Travel Statement Credits

Redeeming your Venture miles is easy. But, other flexible travel credit cards have more valuable redemption options if you are willing to make some tradeoffs in terms of smaller purchase rewards.

With the Capital One Venture, each mile is worth 1 cent each (10,000 miles=$100) and can be redeemed for travel statement credits to reimburse the cost of your travel purchases. This is the standard redemption rate for most travel credit cards. Note that it’s two primary card competitors have a higher redemption rate.

Edit: you can now transfer Capital One Venture miles to airlines.

Why Other Redemption Programs Can Be Better

If you also want to have the option of transferring your miles to other airline and hotel loyalty programs including United, Southwest Airlines, British Airways Avios, Hyatt, or Marriott on a 1:1 basis, you might also consider the Chase Sapphire Preferred. The Chase Sapphire Preferred perks include earning for travel and dining, the ability to transfer points for rewards, and zero foreign transaction fees.

You might only earn double miles on travel and dining. But, your miles are worth 1.25 cents each when you redeem them through Chase for award travel should you decide not to transfer them to an airline or hotel travel partner.

Additional Capital One Venture Benefits

The Capital One® Venture® Rewards Credit Card is a Visa Signature product and comes with the standard Visa Signature benefits which include:

  • Secondary rental car collision damage coverage
  • Complimentary upgrades and savings at select hotels, airlines, and rental car agencies
  • 24/7 Visa Concierge Service
  • Shopping discount at select in-store and online merchants
  • Automatic extended warranty for items purchased with your Venture card

Of course, all of these Capital One Venture benefits are in addition to the fact that all new Venture cards are made of metal. In the ultra-competitive credit card arena, the high-end cards are now being made out of metal. They still work the same as the classic plastic credit cards you still might carry, but, this metal card can be a great way to turn some heads your way.

capital one venture vs chase sapphire

Is The Capital One Venture Rewards Credit Card Worth $95 A Year?

Like similar travel credit cards, the Capital One Venture Rewards Credit Card has a $95 annual fee (waived for the first year). You will never pay a foreign transaction fee. Plus, there’s no additional fee for adding an authorized user.

Is the Capital One Venture Rewards Card worth $95?

You have to be the judge of that as it depends on how you want to earn and redeem your miles.

The Venture Card’s primary competitor is the Chase Sapphire Preferred. You can see our detailed comparison of the Chase Sapphire Preferred vs Capital One Venture Rewards. Both have the same annual fee, except the Sapphire Preferred doesn’t waive it the first year and only offers 2x bonus rewards on travel and dining.

However, you can transfer or redeem miles through Chase for 1.25 cents each. If you’re willing to sacrifice purchase rewards for more redemption options, the Sapphire Preferred is the better card.

Your Credit History Also Matters

It might also depend on your credit history and if you qualify for the Sapphire Preferred. Chase will automatically decline your Sapphire Preferred application if you have been approved for five new credit cards in the past 24 months.

You do need good to excellent credit (700+) on the Capital One Venture to maximize your odds of approval. But Capital One is more lenient in approving credit card applications if you regularly apply for cards.

To help make your decision a little easier, we will look at the pros and cons of the Capital One Venture Credit Card reviews.

Pros

  • Earn unlimited 2 miles per $1 on any purchase
  • They waive the $95 annual fee the first year
  • You can redeem miles for any travel purchase as a statement credit
  • Redemption minimum is 2,500 miles ($25) for a travel purchase
  • 50,000-miles bonus offer worth $500 in travel statement credit
  • Rewards don’t expire

Cons

  • You can only redeem miles for travel statement credits
  • No mile redemption bonuses
  • Limited airline transfer partners

Capital One Venture Reviews 2019

This Capital One Venture Rewards Credit Card review hopefully shows how this is a solid travel rewards card. It gives you the maximum number of miles on each purchase. If you want a card that makes it easy to earn or redeem miles, this can be a good option. Simplicity is a key advantage of this card. Also, the Capital One Venture is a metal credit card.

Learn more: Capital One® Venture® Rewards Credit Card

Use the Capital One Venture card review 2019 for free flights
Use the Capital One Venture card review 2019 for free flights

 

Capital One Venture Credit Card and Transferable Points

If you’re in the market for one of the best travel cards, there’s one major decision that will help narrow down your choices: do you want to redeem your points as a statement credit, or transfer them to a loyalty program? The answer depends on how you earn points and how you travel.

In this article, we’ll compare the value of miles earned on the Venture Card with the value of the transferable points offered by some other travel rewards credit cards.

Learn more: Capital One® Venture® Rewards Credit Card

How Does the Capital One Venture Card Benefits Work?

The Capital One Venture Card earns 2x miles on all purchases. You now have three options to redeem Capital One miles for award travel:

  • Transfer miles to airline partners
  • Redeem for travel statement credits
  • Book upcoming travel on the Capital One travel portal

Your miles are worth 1 cent each for travel statement credits and the travel portal. The Capital One Venture bonus is 50,000 miles. If you have 50,000 miles, you have $500 in award travel with these two options. These options are the reason why some of the Capital One credit cards are considered some of the best rewards credit cards 2019.

The redemption value for mile transfers is more open-ended as each airline values miles differently. What you can expect is that most airline partners have a 2 Capital One miles to 1.5 air miles transfer ratio. Transferring 50,000 miles means you will most likely have 37,500 air miles. Because of this, Capital One shows the actual conversion amount before you start the transfer.

It can make sense to transfer miles when you can get more than 1 cent of value per mile. It can also make sense when you don’t want to pay cash for a ticket.

Credit Cards with Transferable Points

The Capital One Venture Rewards Credit Card is not the only card that lets you transfer your miles to another points program. The Chase Sapphire Preferred®, American Express® Gold Card, and Citi ThankYou Premier all offer extra points on travel purchases, carry similar annual fees, and let you transfer your points to a partner airline, hotel, and retail loyalty program.

You’ll usually get the best value out of transferring your points to an airline transfer partner, but your exact redemption rate will depend on how good of a deal you find on an award flight. To understand how to maximize your points on an award flight, let’s take a closer look at each of those three cards.

Also, be sure to note how long it takes to transfer Capital One miles or any other mile transfers.

Chase Sapphire Preferred 

The Chase Sapphire Preferred® Card earns 2x points on travel and dining and 1x points on all other purchases. You can use your Preferred points to book travel through Ultimate Rewards (for 1 cent each) or you can transfer them at a 1:1 ratio to one of the card’s 13 airline and hotel transfer partners, including Air France/KLM Flying Blue, British Airways, United Airlines, Hyatt, and Marriott Bonvoy.

The Chase Sapphire Preferred perks don’t stop at being able to transfer points. The card also comes with insurance protection, access to Chase exclusive events, and no foreign transaction fees. New cardholders can earn 60,000 points (worth $750 in award travel) by spending $4,000 on purchases in the first 3 months of account opening.

American Express Gold Card

The American Express® Gold Card earns 4x points on dining worldwide. It also earns 4x points on purchases at U.S. supermarkets, up to $25,000 per year, then 1x. Cardholders also earn 3x points on flights booked directly with airlines or on amextravel.com.

Plus, you can redeem your American Express points for statement credits or gift cards (at 1 cent each) or transfer them to an airline, hotel, or retail partner—usually at a 1:1 ratio.

Another perk is the ability to earn up to $10 in statement credits on a monthly basis when you use your Gold Card to pay at the following dining establishments (enrollment is required):

  • Grubhub
  • Seamless
  • The Cheesecake Factory
  • Ruth’s Chris Steak House
  • Boxed
  • Shake Shack (only at participating locations)

This perk can save you up to $120 annually. Cardholders also get a $100 airline fee credit annually. This credit is good for use on incidental fees at one qualifying airline. Between the $100 airline credit and the $120 dining statement credits, the annual fee of $250 (See Rates & Fees) can help offset the annual fee. 

Learn more: Rewards Credit Cards

Citi Premier Card

The information for the Citi Premier Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

Citi Premier Card earns 3x points on travel, 2x points on dining and entertainment, and 1x points on all other purchases. This card comes with a slew of redemption options (like booking travel through the ThankYou Travel Center at 1.25 cents per point) and lets you transfer your points to their airline, hotel, or retail partners.

Like the Sapphire Preferred, new cardholders can also earn 60,000 points after spending $4,000 on purchases in the first 3 months of account opening. Reward points are also worth 25% more. Therefore, this bonus is worth up to $750 in travel.

However, with Chase’s Ultimate Rewards, you’ll always get a 1:1 transfer ratio. With AMEX and Citi, you’ll have to check their promotions before you transfer your points. With all three cards, however, point transfers are final.

How to Redeem Your Points

With the Venture Card, you’re capped out at a maximum redemption rate of 2 cents per dollar, or 2%. However, with transferable points, that math gets a little trickier.

You’ll generally get the best value out of transferable points by transferring them to an airline partner. Maximizing your value is then a matter of determining which airline offers the best award flight for your route.

To give you a few examples, let’s look at an airline that partners with Chase, AMEX, and Citi: Singapore Airlines.

Singapore Airlines is known for offering excellent award value on First Class international flights and has a straightforward awards chart. Let’s say we want to fly round-trip on Singapore Airlines between San Francisco (SFO) and Bangkok (BKK). How much would that cost in miles?

Source: Singapore Airlines

I’ve found a flight that fits my schedule, and it will cost either $785 (plus taxes and fees) or, according to the awards chart, 76,000 miles.

How much spending would it take to save up for that flight? Here’s the math:

Capital One Venture Card: $39,250

You would have to book this flight through Singapore and redeem your Venture miles for a statement credit. At a 2% rewards rate, you would need to spend $39,250 to be able to redeem 78500 miles for a statement credit toward that round-trip ticket—not including taxes and fees.

Learn more: Capital One® Venture® Rewards Credit Card

Chase Sapphire Preferred: $38,000

Let’s take a closer look at this popular card. For instance, let’s say you only used the Chase Sapphire Preferred for its 2x bonus categories (and not the other Chase Sapphire Preferred perks). You then transferred your points to Singapore Krisflyer and booked the flight online with points. You would need to spend $38,000 to earn the 76,000 points for this flight. That comes to a redemption rate of 2.1%.

American Express Gold Card: $37,250

This is a little trickier because the American Express Gold Card has a few bonus spending categories. There are 4x points on dining and entertainment. Additionally, you can earn 3x points on flights bought directly from an airline. For instance, let’s say you charge one $500 flight to your card (for 1,500 points). In that case, you would need to spend $37,250 to reach 76,000 points, for a redemption rate of 2.1%.

Citi ThankYou Premier: $37,250

Like with the AMEX Gold, your overall redemption rate with the ThankYou Premier depends on how much of your spending falls into the card’s bonus categories. Let’s say you spend $500 in the travel category (for 3x points, coming to 1,500 points). You also come up with the rest of your points by making charges in the card’s 2x spending categories. The math is then the same as with the AMEX Gold. You’d have to spend $37,250, for a redemption rate of 2.1%.

The math above shows that in the Capital One Venture Card vs transferable points debate, the other cards are only slightly cheaper for an economy flight. BUT, transferable points are more valuable when you’re looking to redeem your miles for a business or first-class flight. That’s because those flights generally cost $5,000 – $15,000.

It would take a considerable amount of fixed value points to make those redemptions. However, miles in an airline program will stretch much farther which really makes your transferable points more valuable.

Capital One Venture Card vs Transferable Points

In this example, the transferable points from Chase, AMEX, and Citi are only slightly more valuable. But they are still close to the statement credit redemption option from the Capital One® Venture® Rewards Credit Card. Those numbers can still fluctuate though.

However, depending on how well you take advantage of each card’s bonus spending categories, what kind of deals you can find on award flights, and whether or not you take advantage of your card’s welcome bonus, these may change.

If you’re deciding between signing up for the Capital One Venture Card vs transferable points credit cards, there are a few main factors to look at. Will you be able to earn their welcome bonuses? Will you be able to take full advantage of their bonus spending categories? Which transfer partner offers the best award flight for your trip?

In summary, ask yourself these questions and analyze your spending. This will help you make the right choice.

Is the Capital One Venture Credit Card the Best Credit Card for Hotels?

Hotel stays are a big part of travel, and they can really add up, especially for those who travel often outside of business travel rewards. Loyalty programs aside, it makes sense to find a credit card that gets you the most bang for your buck, especially when you’re paying for hotel stays. That’s where the Capital One Venture Rewards Credit Card comes in.

It’s offering 10x miles on hotels through Hotels.com/Venture. But is the Capital One Venture Credit Card really the best choice for hotels or are you better off using one of these co-branded best hotel credit card offers 2019?

Learn more: Capital One® Venture® Rewards Credit Card

Benefits of the Capital One Venture Credit Cards For Hotels

First of all, let’s break down what the Capital One Venture Rewards Credit Card for hotel purchases.

The Capital One Venture Rewards Credit Card already offers 2x miles per dollar spent on all purchases. Each mile equals 1 cent when redeemed for a statement credit on just about any and all travel-related purchases. This can range from Airbnb bookings to flights to river cruises, that works out to a 2% reward rate.

The Capital One® VentureOne® Rewards Credit Card earns 1.25 miles per dollar spent, totaling a 1.25% rate.

It’s easy to redeem the points you accumulate. Miles can be applied on any travel-related purchase made with the card after the transaction, effectively “erasing” charges. There are no special booking sites or portals required. Just click and erase.

On top of that, the sign-up bonuses are great. You get 50,000 miles after spending $3,000 on purchases in the first three months of account opening for the Capital One® Venture® Rewards Credit Card. New cardholders can earn 20,000 miles after spending $1,000 on purchases in the first three months of account opening for the Capital One® VentureOne® Rewards Credit Card. If applied, you’ve got yourself a pretty good deal.

Capital One makes it easy to figure out which card will net you the most miles. An interactive sliding scale explains that if you spend $1,056 or more per month, you’ll get more rewards value annually with the Venture Rewards than with the VentureOne.

Capital One and Hotels.com

A few months ago, Capital One introduced a new special earning offer: the ability to earn 10x miles (or 10% in reward miles) on thousands of hotels when you book and pay on hotels.com/venture. You do have to use Capital One’s specific URL, hotels.com/venture, in order to get the extra miles, but the options are plentiful and diverse as many well-known brands, in addition to local B&B’s, are listed on Hotels.com.

Hotels.com/venture will also reward you with a free night’s stay after booking ten nights on the site, essentially bringing up the potential reward for purchases to 20% (10% from Hotels.com based on one night free and 10% via Capital One‘s 10x miles).

However, do keep in mind that bookings made by phone or with the hotels.com app won’t get you those extra points, nor will booking a hotel/flight combo or paying in-person at the hotel.

But is the Capital One® VentureOne® Rewards Credit Card or the Capital One® Venture® Rewards Credit Card for hotel purchases the best option for frequent hotel guests?

Marriott Bonvoy Brilliant American Express Card 

The Marriott Bonvoy Brilliant™ American Express® Card is a popular choice for travelers. It earns 6x points per dollar on eligible purchases at participating Marriott Bonvoy hotels. It also earns 3x points at U.S. restaurants and on flights booked directly with the airline. All other purchases earn 2x points. 

New cardholders can also earn 75,000 points after spending $3,000 in purchases in the first 3 months of account opening.

One of the hotel perks that comes with the card is $300 in statement credits annually for eligible purchases at participating Marriott Bonvoy hotels. Cardholders also get 1 free night award annually after their account anniversary (redemption level at or under 50,000 Marriott Bonvoy points at participating locations).

The number of points required to book a room depends on the property and season. They can range from 7,500 to 85,000 and can be used at over 7,000 locations. Cardholders can redeem points for flights or car rentals. Or, they can transfer points for rewards with over 40 airline partners.

You do have to stay at Marriott brand hotels (check out the best Marriott credit cards if you are married to Marriott) in order to reap many of the benefits and earn the most points. This may make it a more suitable card for those who prefer to remain loyal to a single family of hotels.

Marriott Bonvoy Boundless Credit Card

The Marriott Bonvoy Boundless™ Credit Card has the same sign-on bonus. New cardmembers can earn 75,000 points after spending $3,000 on purchases in your first 3 months from account opening. You also get one free night (up to 35,000 points) every year after your account anniversary. 

Cardmembers will earn 6 points per dollar on stays at over 6,900 participating Marriott Bonvoy hotels. This card also earns 2x points per $1 spent on everything else. Plus, you get 15 elite night credits annually.

But like the Bonvoy Brilliant card, award stays can only be redeemed at certain hotels, which limits options for those not committed to one brand. Learn more about the Marriott Bonvoy Boundless™ Credit Card: Hotel Rewards Credit Cards

Chase Sapphire Preferred

The Chase Sapphire Preferred® Card is another viable option for those not wanting to commit to a particular hotel. It offers 60,000 points to new cardholders, but only if you can spend $4,000 in the first three months of account opening. 

Rewards include 2x points on travel purchases and dining, including hotels, and 1 point on everything else. However, if you use the Chase Ultimate Rewards portal to book airfare, hotels, car rentals and cruises, points are worth 25% more, taking that initial 60,000-point bonus from a $600 valuation to $750. This works out to a pretty good deal.

But unlike with the Capital One Venture Rewards or VentureOne, the Chase Sapphire Preferred can’t be stacked with the hotels.com deal if you want the 25% bonus.

Is the Capital One Venture Credit Card For Hotel Purchases the Best Option?

For travelers looking for the best hotel credit card offers 2019 who also want the widest selection of hotels to choose from and the most flexible options, The Capital One Venture Cards is likely the quickest way to enjoying free nights anywhere you please. So yes, the Capital One Venture credit cards for hotel purchases can be the best option.

Learn more: Capital One® Venture® Rewards Credit Card

Learn more: Capital One® VentureOne® Rewards Credit Card

Related Posts: 

For rates and fees of The American Express® Gold Card, please click here.

Geoff Whitmore

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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

Capital One Venture Card Review 2019
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