Fortune Recommends™ has teamed up with CardRatings to cover credit card products. Both Fortune Recommends™ and CardRatings may earn a commission from card issuers. If you’re looking to navigate the Capital One Venture lineup, the Capital One VentureOne Rewards Credit Card, the Capital One Venture Rewards Credit Card, and the Capital One Venture X Rewards Credit Card all provide generous rewards, easy redemptions, no foreign transaction fees, and access to Capital One’s travel transfer partners. However, these cards differ significantly in terms of annual fees, rewards, and travel perks. Here’s a breakdown of the key differences between them.
When it comes to annual fees, the VentureOne Rewards card stands out with a $0 annual fee. The Venture Rewards card has a $95 annual fee and offers perks like a Global Entry or TSA PreCheck® credit and a $50 experience credit. On the other hand, the Venture X Rewards Card, with a $395 annual fee, provides premium benefits such as a $300 annual travel credit, 10,000 bonus miles every year, and lounge access through a Priority Pass membership. While the VentureOne Rewards card is more budget-friendly, the Venture Rewards and Venture X Rewards cards offer additional perks for a higher annual fee.
In terms of welcome bonuses, all three cards offer generous rewards. The VentureOne Rewards card provides 20,000 miles after spending $500 within 3 months, while the Venture and Venture X cards offer 75,000 bonus miles after spending $4,000 in the first 3 months. The Venture and Venture X bonuses offer a higher rate of return, making them more attractive options for those looking for a substantial welcome bonus.
When it comes to earning miles, the VentureOne Rewards card offers 1.25x miles on every purchase and 5x miles on hotels and rental cars booked through Capital One Travel. The Venture and Venture X Rewards cards provide a flat 2x miles per dollar on all purchases and additional rewards on travel bookings through Capital One Travel. The Venture X Rewards card offers higher rewards rates on travel bookings, making it a slightly better option for frequent travelers.
Overall, the choice between these cards depends on your spending habits, travel preferences, and willingness to pay for additional perks. The Venture Rewards card narrowly beats out the Venture X Rewards card in terms of rewards and benefits for everyday spending. Remember to consider how you plan to redeem your miles when choosing the best Capital One Venture card for you.
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