Credit card review
Capital One Venture Rewards Credit Card Review
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Capital One Venture Rewards Credit Card earned 4.5 / 5 in our 2026 review. The Capital One Venture Rewards Credit Card earns 5x on hotels capital one travel with a $95 annual fee, a 75,000 miles welcome offer. Here is the full Fintiex review for 2026.
By the Fintiex Card Desk · Updated 2026-04-29
TL;DR
Annual fee
$95
Signup bonus
$750
Top reward rate
5x on hotels capital one travel
Intro APR
None
Issuer
Capital One
Network
Mastercard
Min credit score
690
Fintiex rating
4.5 / 5
Pros
- +2x miles on every purchase
- +5x miles on hotels and rental cars booked via Capital One Travel
- +75,000 mile bonus after spending $4,000 in first 3 months
- +No foreign transaction fees
- +Global Entry or TSA PreCheck application fee credit (up to $120 every 4 years)
- +Miles transfer to 15+ travel loyalty programs
- +Travel accident insurance and 24-hour travel assistance
- +Extended warranty and purchase protection
Cons
- -$95 annual fee
- -No intro APR offer
- -Capital One Travel portal locks in best 5x rate
- -Miles worth 1 cent each for statement credits (less than some competitors)
Rewards detail
hotels capital one travel
5x
rental cars capital one travel
5x
everything else
2x
Rates and fees
Annual fee
$95
Purchase APR
19.99% to 29.99%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
19.99% to 29.99%
Cash advance APR
29.99%
Balance transfer fee
4%
Or $5 minimum, whichever is greater
Foreign transaction fee
None
Who it's for
The Venture Rewards Credit Card is built for people who want a travel card. Most approvals land at FICO 690 and above, but issuers prefer scores near 720. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.
Not sure this is the right fit? See our best travel cards roundup.
Compare with similar cards
Frequently asked questions
Does the Venture Rewards Credit Card have a foreign transaction fee?
No. The Capital One Venture Rewards Credit Card charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the Venture Rewards Credit Card?
Approvals typically start around a FICO score of 690, but Capital One prefers 720 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the Venture Rewards Credit Card signup bonus?
New cardholders earn 75,000 miles after spending $4,000 in the first few months. Fintiex values that at about $750 based on current redemption rates. Match the bonus to a real planned purchase so you do not overspend chasing it.
Does the Venture Rewards Credit Card have a 0% intro APR offer?
No. The Capital One Venture Rewards Credit Card does not currently offer a 0% intro APR period. The standard variable purchase APR is 19.99% to 29.99%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Venture Rewards Credit Card?
$95 per year. To break even you need to earn enough rewards and credits to cover that fee. We walk through the math in the rewards detail section above.
Is the Venture Rewards Credit Card worth it?
Fintiex rates the Capital One Venture Rewards Credit Card 4.5 out of 5 for 2026. It is best for travel. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.
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