Capital One Venture
Visa travel card with a $95 annual fee. Earns 5x on hotels, vacation rentals and rental cars through Capital One Travel, 2x on everything else.
Terms read from Capital One's page on October 16, 2026. Rates and terms are set by the issuer and may change. We don't estimate approval odds.
Fees and rates
- Annual fee
- $95
- Foreign transaction fee
- None
- Purchase APR
- 19.74% to 28.74%
Rewards
- 5x on hotels, vacation rentals and rental cars through Capital One Travel
- 2x on everything else
Earns Capital One miles, valued at 0.5 cents as cash, 1 through the issuer's travel booking and 1.85 with transfer partners.
Credits, as counted
- Capital One Travel Stays credit, first year: $300 once50% used
- Global Entry or TSA PreCheck fee credit: $120 every 4 years80% used
Worked examples
Value on each spending preset, points redeemed as cash, typical use of credits.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student | $197 | $47 | $292 | Month 4 |
| Family | $856 | $331 | $1,518 | Month 2 |
| Frequent traveller | $920 | $395 | $1,709 | Month 2 |
Frequently asked questions
Is the Capital One Venture worth it?
On a family's spending ($3,350 a month, points as cash), it's worth $856 in year 1 and $331 a year after that, after a $95 annual fee. It pays for its fee by month 2.
What is the Capital One Venture welcome bonus?
75,000 miles after $4,000 in purchases in the first 3 months.
Does the Capital One Venture charge foreign transaction fees?
No. It charges no foreign transaction fee.
Sources
Estimates for information only; not tax, legal or financial advice. See our methodology.