Capital One Venture vs. Capital One VentureOne: Is an annual fee worth it?

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Capital One is well-known for its straightforward credit card rewards and other convenient perks — no blackout dates, anyone? Two of its most popular travel rewards cards are the Capital One Venture Rewards Credit Card and the Capital One VentureOne Rewards Credit Card . While they have similar names, some of their benefits are distinctly different.

If you're comparing cards, this Capital One Venture vs. VentureOne review will help you learn more about both and determine which card's benefits are better for you.

Capital One Venture vs. VentureOne overview

The Capital One Venture Card has a $95 annual fee, while the Capital One VentureOne has a $0 annual fee . We think the Capital One Venture has good enough benefits to help offset its fee, but there's no worry about any of that with the VentureOne.

The Capital One Venture has a much higher welcome bonus than the VentureOne. It requires more spending but isn't above the typical spending requirement for similar travel credit cards .

These are the rewards rates for the Capital One Venture and VentureOne:

Capital One Venture: 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel 2x miles on all other eligible purchases

5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel

2x miles on all other eligible purchases

Capital One VentureOne: 5x miles on hotels and rental cars booked through Capital One Travel 1.25x miles on all other eligible purchases

5x miles on hotels and rental cars booked through Capital One Travel

1.25x miles on all other eligible purchases

While similar, the Venture edges the VentureOne with its higher base earning rate of 2x miles.

The Capital One Venture and VentureOne share the same redemption options, including:

Transfers miles to more than 15 hotel and airline partners

Cash back (mailed check or statement credit)

With both the Venture or VentureOne, there are no foreign transaction fees , and you can access over 15 transfer partners from popular airline and hotel loyalty programs.

With the Venture, you can also take advantage of:

Up to a $120 statement credit for Global Entry or TSA PreCheck application fees

A $50 experience credit, room upgrades, and early check-in at eligible hotels

Access to Hertz's Five Star membership tier, offering free upgrades, a wider selection of vehicles, and more

With the VentureOne, you get an introductory APR offer:

0% intro APR on purchases and balance transfers for 15 months, after which the card's 18.49% - 28.49% variable APR applies

There's no clear winner here because it depends on your preferences and personal finance goals. If you prefer travel benefits, the Venture Rewards is better. But if you'll get more value from a 0% intro APR period, you should go with the VentureOne.

Choose the Capital One Venture Rewards Card if…

You can meet the spending requirements for a higher welcome offer

You want additional benefits, such as a Global Entry or TSA PreCheck application fee credit

The Capital One Venture has a $95 annual fee and doesn't provide a 0% intro APR offer, but it provides more benefits and earning potential. It's an excellent everyday rewards earner and consistently has a generous welcome offer. For frequent travelers, this is likely the more appealing option.

Welcome offer Limited-time offer: Enjoy $300 to use on hotel and vacation rental bookings through Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s more than $1,000 in travel value

Recommended credit score Good, Excellent

Rewards rate 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel 2x miles on all other purchases

Benefits Receive up to a $120 statement credit for Global Entry or TSA Precheck® application fees Receive a $50 experience credit, room upgrades, and early check-in at eligible hotels Access Hertz's Five Star membership tier, offering free upgrades, a wider selection of vehicles, and more

Receive up to a $120 statement credit for Global Entry or TSA Precheck® application fees

Receive a $50 experience credit, room upgrades, and early check-in at eligible hotels

Access Hertz's Five Star membership tier, offering free upgrades, a wider selection of vehicles, and more

You want a 0% intro APR offer on purchases and/or balance transfers

If you want a straightforward no-annual-fee card for earning travel rewards on everyday purchases, the Capital One VentureOne is the better choice. You can also take advantage of multiple 0% intro APR offers, which you won't find on the Capital One Venture or many travel credit cards in general.

Welcome offer Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

Introductory APR 0% intro APR on purchases and balance transfers for 15 months, then variable 18.49% - 28.49% APR

Rewards rate 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel 1.25x miles on all other purchases

Benefits Generous intro APR on purchases and balance transfers for the first 15 months Transfer your miles to more than 15 travel partners Enjoy international travel without additional fees on purchases made abroad

Generous intro APR on purchases and balance transfers for the first 15 months

Transfer your miles to more than 15 travel partners

Enjoy international travel without additional fees on purchases made abroad

There's little reason to have both cards at the same time because they have such similar rewards rates and benefits. It could make sense to try and earn the welcome offer on each card (if approved after applying), but there's not much lasting value in having both cards in your wallet.

If the Venture Rewards and VentureOne cards aren't the right fit for you, consider these alternative credit card offers.

Welcome offer Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening

Ongoing Purchases APR 19.24% - 27.49% Variable

Rewards rate 5x points on travel purchased through Chase Travel℠ 3x points on dining, vacation homes, gas & EV charging, top streaming services, and online groceries (excluding Walmart, Target, and wholesale clubs) 2x points on all other travel purchases 1x points on all other purchases

5x points on travel purchased through Chase Travel℠

3x points on dining, vacation homes, gas & EV charging, top streaming services, and online groceries (excluding Walmart, Target, and wholesale clubs)

Benefits Complimentary DashPass with $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27, plus a $10 promo each month on non-restaurant orders Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck®, or NEXUS application

Complimentary DashPass with $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27, plus a $10 promo each month on non-restaurant orders

Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel

Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck®, or NEXUS application

Why we like it : The Chase Sapphire Preferred is one of the best travel rewards credit cards because of its elevated rewards rate in everyday categories, extensive purchase and travel protections, and additional travel benefits. Chase points are also some of the most flexible travel rewards available from major card issuers.

Welcome offer Earn 75,000 bonus miles when you spend $4,000 in the first 3 months from account opening

Rewards rate 10x miles on hotels and rental cars booked through Capital One Travel 5x miles on flights and vacation rentals booked through Capital One Travel 2x miles on all other purchases

10x miles on hotels and rental cars booked through Capital One Travel

5x miles on flights and vacation rentals booked through Capital One Travel

Benefits $300 annual credit for travel bookings through Capital One Travel 10,000 annual bonus miles (worth $100 in travel spending; starts on your first account anniversary) Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass lounges, after enrollment

$300 annual credit for travel bookings through Capital One Travel

10,000 annual bonus miles (worth $100 in travel spending; starts on your first account anniversary)

Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass lounges, after enrollment

Why we like it: The Capital One Venture X has a steep annual fee, but provides plenty of travel perks to help offset the card's cost. These include airport lounge access to Priority Pass and Capital One Lounges. An annual $300 Capital One Travel portal credit and 10,000 anniversary miles can go a long way, too.

Welcome offer You may be eligible for as high as 175,000 Membership Rewards® Points after spending $12,000 within the first 6 months (welcome offers vary and you may not be eligible for an offer); apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact (if you’re approved and choose to accept the card, your score may be impacted)

Ongoing Purchases APR See Pay Over Time APR

Rewards rate 5x points for flights booked directly with airlines or with American Express Travel® (up to $500,000 per calendar year) 5x points on prepaid hotels booked with American Express Travel 1x points on all other purchases

5x points for flights booked directly with airlines or with American Express Travel® (up to $500,000 per calendar year)

5x points on prepaid hotels booked with American Express Travel

Benefits Get up to $600 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings with American Express Travel (up to $300 semi-annually; The Hotel Collection requires a minimum two-night stay) Get up to $400 in annual statement credits ($100 each quarter; enrollment required) for eligible purchases with Resy, including dining at Resy restaurants Enjoy up to $200 in Uber Cash annually — that's $15 in Uber Cash for rides or Uber Eats orders each month, plus a bonus $20 in December (you must have the latest version of the Uber App downloaded and your eligible American Express Platinum Card must be a method of payment in your Uber account; Amex benefit may only be used in United States)

Get up to $600 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings with American Express Travel (up to $300 semi-annually; The Hotel Collection requires a minimum two-night stay)

Get up to $400 in annual statement credits ($100 each quarter; enrollment required) for eligible purchases with Resy, including dining at Resy restaurants

Enjoy up to $200 in Uber Cash annually — that's $15 in Uber Cash for rides or Uber Eats orders each month, plus a bonus $20 in December (you must have the latest version of the Uber App downloaded and your eligible American Express Platinum Card must be a method of payment in your Uber account; Amex benefit may only be used in United States)

Why we like it : If you want additional card benefits, including perks like airport lounge access and up to $200 in annual airline fee statement credits (enrollment required for select benefits), it doesn't get much better than the American Express Platinum Card . This card has a high annual fee, but its many benefits and valuable rewards can help offset the cost each year.

Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank's website for the most current information. This site doesn't include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.

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