ventureventureone

Recognized among our best credit cards of 2020 thanks to their solid bonus reward offers and flat-rate earning structures, both the Capital One® Venture® Rewards Credit Card (This card is not currently available on CardRatings) and the Capital One® VentureOne® Rewards Credit Card (This card is not currently available on CardRatings) are attractive travel rewards credit card options for anyone looking to earn miles on every dollar they spend with their card — no matter the amount or the category of purchase.

Annual Fees

Both cards offer unlimited earned miles on every purchase made with no caps or categories to worry about, and while they offer a number of other identical benefits, there are a few areas where the cards differ.

For starters, the Venture® card has an annual fee ($0 intro for first year; $95 after that), whereas with the VentureOne® card annual fees are never something you'll have to worry about. With that said, however, it's important to realize what that the Venture® card fee gets you that the VentureOne® does not…

Bonus Miles

The first thing you might notice when comparing the two cards is the difference between the new member rewards offer. With the Venture® Rewards Credit Card, new cardholders can earn 50,000 bonus miles (equal to $500 in travel) by spending $3,000 on purchases within the first three months of account membership, whereas new VentureOne® cardholders only receive 20,000 miles (equal to $200 in travel) — though the spending threshold to earn this bonus is much lower, at just $1,000.

Earning Rates

The next big area where the two cards differ is with the rewards earning rate. With the Venture® card you'll earn 2 miles for every dollar spent with the card, whereas with the VentureOne® you'll only earn 1.25 miles per dollar — though, we still think that this is a good offer, especially considering the fact that many no-annual-fee credit cards only offer 1 mile per dollar, or there's a cap on the amount of miles that can be earned. 

Purchase APR

Lastly, it's important to notice the difference in the purchase APR offers. Though the Capital One® Venture® Rewards Credit Card might come with a better welcome bonus and a higher rewards rate, the Capital One® VentureOne® Rewards Credit Card offers intro 0% purchase APR for the first 12 months of account membership, which might be a more highly-valued perk for some credit card users. A regular APR rate of 14.49% - 24.49% (Variable) will apply after that.

What's Best for You?

When it comes to deciding which card is the better option for your wallet, it really just comes down to your spending habits and whether or not you really want to pay an annual fee. The VentureOne® credit card is a great option for those occasional credit card users who are in no hurry to cash in on their miles and have time to accumulate them, however, if you're funneling every monthly expense, vacation charge, and supermarket purchase to your travel rewards card, chances are, you'll easily be spending enough with your card each year to make the Capital One® Venture® Rewards Credit Card's annual fee worth the price.

To learn more about how these two cards match up, check out the table below to compare the various rewards, benefits, features, and fees associated with each card.

Capital One® Venture® vs. VentureOne®

 

Capital One® Venture® Rewards Credit Card

(This card is not currently available on CardRatings)

Capital One® VentureOne® Rewards Credit Card

(This card is not currently available on CardRatings)

 
Annual Fee 
$0 intro for first year; $95 after that
$0
New Member Card Offer

Earn 50,000 bonus miles once you spend $3,000 on purchases within the first three months of opening an account

Earn 20,000 bonus miles once you spend $1,000 on purchases within the first three months of opening an account

Rewards
  • Earn unlimited 2 miles per dollar on every purchase made
  • Receive up to a $100 credit when you use your card to apply for Global Entry or TSAPre✓® Approved
  • Earn unlimited 1.25 miles per dollar on every purchase made
Redeeming Rewards
  • Redeem your miles without blackout dates or brand-loyalty— just make your travel purchases and cover them with a statement credit
  • Transfer miles to leading airline and hotel loyalty reward programs
  • Redeem rewards for a wide selection of gift cards
  • Redeem your miles without blackout dates or brand-loyalty— just make your travel purchases and cover them with a statement credit
  • Transfer miles to leading airline and hotel loyalty reward programs
  • Redeem rewards for a wide selection of gift cards
Purchase and Balance Transfer APR
  • Purchase: 17.24% - 24.49% (Variable)
  • Transfer: 17.24% - 24.49% (Variable)
  • Purchase: Intro 0% APR for 12 months, then 14.49% - 24.49% (Variable)
  • Transfer: 14.49% - 24.49% (Variable)
Foreign Transaction Fees

None

None

Benefits

Total access to Visa Signature benefits such as:

  • Complimentary upgrades and special savings at hotels, resorts, and spas
  • Access to a customer service agent 24/7
  • Auto rental collision damage waiver which provides eligible rentals with theft and collision damage coverage when the rental is paid with your Venture card
  • Extended warranty protection at no charge on items purchased with your Venture card
  • Lost luggage reimbursement up to $3,000 per passenger
  • Travel accident insurance which provides automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare
  • Roadside assistance in case of an auto-related emergency, such as jump starting, tire changing and towing
  • Emergency card replacement and a cash advance if your card is lost or stolen

Total access to Visa Signature benefits such as:

  • Complimentary upgrades and special savings at hotels, resorts, and spas
  • Access to a customer service agent 24/7
  • Auto rental collision damage waiver which provides eligible rentals with theft and collision damage coverage when the rental is paid with your VentureOne card
  • Extended warranty protection at no charge on items purchased with your VentureOne card
  • Lost luggage reimbursement up to $3,000 per passenger
  • Travel accident insurance which provides automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare
  • Roadside assistance in case of an auto-related emergency, such as jump starting, tire changing and towing
  • Emergency card replacement and a cash advance if your card is lost or stolen

For a full synopsis of each card, be sure to check out our Capital One® Venture® Rewards Credit Card and Capital One® VentureOne® Rewards Credit Card reviews.

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