Capital One Venture Rewards Credit Card Review With Pro And Cons – 17 Points

1. Capital one venture is leading card from capital one. It offers high reward rate, big sign up bonus , valuable perk and flexible redemption for frequent travelers with $95 annual fee (first year waived).

Pros:

Cons:

50,000 mile bonus after spending $3,000 in the first three months

High annual fee

2 miles for every dollar you spend

Potentially high apr

No Foreign transaction fee

No intro apr

Awards 10 miles per dollar for hotels booked on hotels.com/venture through January 2020

Required good/excellent credit

Easy Redemption — Miles can be redeemed for travel statement credits or transferred to airline miles.

Redemption value for cash is less compare to travel

Offering an application fee credit for Global Entry or TSA PreCheck

 

Points wont expired. No Blackout dates.

 

2. Reward Rates:

10 miles per dollar on hotel rooms booked and paid through hotels.com/venture
2 miles per dollar on other purchases

3. Sign Up Bonus:

Earn 50,000 miles (worth $700) after you spend $3,000 in purchases within the first 3 months of account opening.

4. Annual Fee:

$0 intro for first year; $95 after that

5. Regular APR:

17.99% – 25.24% (Variable)

6. Intro Apr:

N/A

7. Credit Needed:

Good to excellent 690 – 850

8. Other Benefits:

Travel Accident Insurance
Extended Warranty
24-Hour Travel Assistance Services
Auto Rental Collision Damage Waiver
Wikibuy
No Foreign Transaction Fees
$0 Fraud Liability
CreditWise
Security Alerts
Card Lock
Capital One Mobile App
See Recurring Merchants
Global Entry or TSA Pre Credit

9. Customer Experience:

24/7 customer service?:
Yes
Online chat available?:
Yes
Google Play Store mobile app rating:
4.7/5
Apple Store mobile app rating:
4.6/5

10. APR for Cash Advances:

25.24%.

11. Balance Transfer Fee:

3%

12. Cash Advance Fee:

3% Min $10

13. Late Payment Fee:

Up to $39

14. Capital One Venture is not for:

Infrequent traveler
Reward optimizer looking for highest value
Modest spender

15. Redemption Value:

You can redeem points for 1 cent each as a statement credit against any eligible travel purchase you’ve made with the card in the last 90 days.
Venture cardholders can transfer miles to airline partners at a 2:1.5 rate (2:1 for JetBlue, Emirates and Singapore Airlines).

Transfer partner Value of 2 miles transferred (cents)
Qantas 1.5
Finnair 1.5
Flying Blue (AirFrance, KLM) 1.8
Aeromexico 1.5
Aeroplan (Air Canada) 2.25
Alitalia 1.5
Cathay Pacific 1.5
Etihad 2.1
EVA Air 1.5
Qatar 1.2
Hainan 1.5
JetBlue 1
Avianca 2.55
Emirates 1.1
Singapore Airlines 2.36

16. Get Capital One Venture Card:

If you want big sign up bonus.
If you want straight forward reward program with flexible redemption option.
If you are moderate traveler.
If you want to use third party sites for travel booking without losing point value.
If you travel frequently with Singapore airlines, avianca, aeroplan and flying blue.

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