Capital One Venture
Every rate below is the issuer’s own, verified October 2, 2026.
Terms apply. See rates & fees on Capital One. Rankings are pure math, never sold.
How it earns
Every rate here is the issuer’s published number. Points are valued at what this door can redeem them for: cash-back at the statement-credit rate, travel at the issuer’s travel rate.
What it pays at a typical spend
Our travelling sample family spends $800 a month on groceries, $200 on dining, $250 on gas, $500 on travel and $600 on everything else. Figures as of October 2, 2026, the day the terms were last verified.
At that spending the Capital One Venture nets $1,219 in year one and $469 every year after, fee included. The biggest line is groceries, at $192. The welcome bonus counts, because this spending reaches $4,000 inside 3 months. Points are counted at 1 cent each, the travel rate, never the higher figure a transfer partner might reach. For our travelling sample family, it places second of the 5 travel cards we’ve confirmed.
The Capital One Venture X, just above it among the confirmed cards, nets $100 more in year one. The Citi Strata Premier, just below it, nets $12 less. Judged on every year after the first instead, it places fourth of the 5 travel cards we’ve confirmed.
Who it fits
It fits if
- You want one card for everything: 2x on every purchase with nothing to track.
- You spend $4,155 a month or more in the mix above: from there it beats every no-fee card we check from year two, fee paid.
Look elsewhere if
- You cannot put about $1,334 a month on it for 3 months: the $750 bonus pays nothing below $4,000.
- You spend less than $4,155 a month: below that, the Wells Fargo Autograph pays as much or more every year after year one.
- Your credit is fair or thin: approval usually needs good credit.
Plain facts
- Who gets approvedGood credit, around 670+. Typically ~good credit or better (estimate; issuer does not publish a score).
- The issuer’s terms governRates, fees and bonus conditions are set by Capital One and change without notice. Confirm the current offer before you apply.
- Where these numbers came fromCollected by hand from Capital One’s own published terms, last verified October 2, 2026. An automatic check re-reads that page every day. On October 19, 2026 all 6 of the figures it watches here were still printed there. How we check
What people ask about it
Is there a cap on what it earns?
No. Its rates apply to all of your spending, with no yearly cap.
How do you value the welcome bonus?
75,000 points at 1 cent each as cash is $750, and at 1 cent through travel, $750. We count it only once your spending reaches $4,000 in 3 months.
What does it earn on each purchase?
2x on every purchase, with no categories to track. It also earns 5x on hotels, vacation rentals and rental cars booked through Capital One Travel, which the math does not count.
Where it shows up
Every ranking and comparison with the Capital One Venture in it, each computed the same way.
- Best card for travelCapital One Venture X first, at $1,319 in year one.
- Capital One Venture vs Capital One Venture XCapital One Venture X pays $100 a year more than Capital One Venture, year one and every year after.
More cards like this
- Yearly fee $95Chase Sapphire PreferredChase · for dining, 3x, and 5x on travel booked through Chase Travel · estimate
- Yearly fee $395Capital One Venture XCapital One · for one card on everything, 2x, and 10x on hotels and rental cars booked through Capital One Travel
- Yearly fee $95Citi Strata PremierCiti · for travel, dining, groceries and gas, 3x
The three travel cards beside this one on our list of every card. See every card