VentureOne Rewards
Capital OneNo annual feeDiscoverNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
20,000miles
after $500 in purchases in the first 3 months
48 Month Rule, Card Limit and 2 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus20,000 points at 1.45¢ | $290 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | $0 |
| Annual fee | $0 |
| Meeting the $500 minimumearns 1.81% here vs 2% on Double Cash | −$1 |
| First year | $289 |
| Each year after | +$170 |
Not counted in the first year: 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% |
| 1.25X | Everything else | 1.8% |
+ 1 more rate
| Rate | Category | Return |
|---|---|---|
| 5X | Vacation rentals booked through Capital One Travel | 7.2% |
Personal card · Earns Capital One Miles
Benefits
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, Up to $1,500 per insured person for non-refundable common carrier tickets charged to the card.
- 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.
- Extended Warranty, Doubles the manufacturer's warranty by up to 12 additional months, for original warranties of 2 years or less. Max $10,000 per claim and $50,000 per cardholder.
- Purchase Protection, up to $1,000, Covers damage or theft of eligible new purchases for 90 days, up to $1,000 per claim and $25,000 per 12 months.
- 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), 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 (22 total)
- 0% intro APR on purchases and balance transfers for 15 months
- 24/7 Concierge service
- Travel assistance services
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 VentureOne CardOct 8, 2026
- changed from Visa Signature to DiscoverAug 25, 2026
- changed from Visa to DiscoverAug 25, 2026
- changed from null to From network: Visa; To network: Discover; New accounts from: 2026-02-01; Existing accounts: reissueAug 25, 2026
- changed from null to 500Aug 13, 2026
- changed from null to 90Aug 13, 2026