Venture Rewards
Capital One$95 a yearDiscoverNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
75,000miles
after $4,000 in purchases in the first 3 months
In line with past offers.
48 Month Rule, Card Limit and 2 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus75,000 points at 1.45¢ | $1,088 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$292 |
| Global Entry/TSA PreCheckof $30 face value | +$21 |
| Annual fee | −$95 |
| Meeting the $4,000 minimumearns 2.9% here, the same as Double Cash | $0 |
| First year | $1,306 |
| Each year after | +$446 |
Not counted in the first year: other benefits and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 5X | Hotels booked through Capital One Travel | 7.2% |
| 5X | Capital One Entertainment purchases | 7.2% |
| 5X | Activities booked through Capital One Travel | 7.2% |
| 5X | Rental cars booked through Capital One Travel | 7.2% |
| 2X | Everything else | 2.9% |
+ 1 more rate
| Rate | Category | Return |
|---|---|---|
| 5X | Vacation rentals booked through Capital One Travel | 7.2% |
Noteworthy perks
- Fourth night free at Lifestyle Collection hotels booked through Capital One Travel (book 4+ consecutive nights)
- Global Entry/TSA PreCheck$30 a year
Personal card · Earns Capital One Miles
Benefits
Credits & Perks (1)
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
Elite status (1)
- Hertz Gold Plus Rewards: Five Star
Protections (10)
- Travel Accident Insurance, up to $1,000,000, Up to $1,000,000 against accidental loss of life, limb, sight, speech, or hearing while riding as a passenger on a licensed common carrier, when the fare is charged to the card.
- Lost Luggage Reimbursement, up to $3,000, Up to $3,000 per trip for checked or carry-on baggage lost, stolen, or misdirected by the common carrier ($2,000 per bag for New York residents).
- Trip Cancellation/Interruption Insurance, up to $1,500, Coverage up to $1,500 per trip for prepaid, non-refundable travel expenses
- Baggage Delay Insurance, up to $300, Up to $100 per day for a maximum of 3 days ($300 total) for essential items when checked baggage is delayed more than 4 hours.
- Travel and Emergency Assistance, 24/7 referral assistance for medical, legal, and travel emergencies while away from home. Cardholder is responsible for the cost of services used.
- Purchase Protection, up to $1,000, 90-day coverage for damage/theft, up to $1,000 per item and $25,000 per cardholder
- Extended Warranty, up to $10,000, Doubles the manufacturer's warranty, up to 1 additional year, on original warranties of 2 years or less. Max $10,000 per claim, $50,000 per cardholder.
- Price Protection, up to $250, Reimburses the difference if an identical item is advertised for less within 120 days of purchase, up to $250 per item and $1,000 per year.
- Auto Rental Collision Damage Waiver (secondary), Secondary coverage for collision damage and theft on eligible vehicle rentals
- Identity Theft Protection, up to $1,000, Personal Identity Theft coverage up to $1,000 for covered expenses, plus Comprehensive Identity Solutions monitoring and restoration support (enrollment required).
Other Perks
- Transfer miles to 18+ airline and hotel partners (18 airlines, 4 hotels)
- Lifestyle Collection hotel benefits ($50 experience credit, room upgrades when available, early check-in, late checkout, complimentary Wi-Fi)
- Fourth night free at Lifestyle Collection hotels booked through Capital One Travel (book 4+ consecutive nights)
- Capital One Entertainment access (presale tickets, exclusive experiences for music, sports, dining)
- Note: Complimentary Capital One Lounge/Priority Pass access removed in 2025 - can still access at $45/visit
The Capital One Venture family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Venture CardOct 8, 2026
- changed from 75K miles after $4K spend within first 3 months to 75K miles after $4K spend within first 3 months + $300 stays creditSep 8, 2026
- changed from World Elite Mastercard to DiscoverAug 25, 2026
- changed from Mastercard to DiscoverAug 25, 2026
- changed from null to From network: Mastercard; To network: Discover; New accounts from: 2026-02-01; Existing accounts: reissueAug 25, 2026
- changed from null to 4000Aug 13, 2026
- changed from null to 90Aug 13, 2026