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).
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:
7. Credit Needed:
Good to excellent 690 – 850
8. Other Benefits:
Travel Accident Insurance
24-Hour Travel Assistance Services
Auto Rental Collision Damage Waiver
No Foreign Transaction Fees
$0 Fraud Liability
Capital One Mobile App
See Recurring Merchants
Global Entry or TSA Pre Credit
9. Customer Experience:
24/7 customer service?:
Online chat available?:
Google Play Store mobile app rating:
Apple Store mobile app rating:
10. APR for Cash Advances:
11. Balance Transfer Fee:
12. Cash Advance Fee:
3% Min $10
13. Late Payment Fee:
Up to $39
14. Capital One Venture is not for:
Reward optimizer looking for highest value
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)|
|Flying Blue (AirFrance, KLM)||1.8|
|Aeroplan (Air Canada)||2.25|
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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