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Capital One credit card

Venture Rewards Travel Card

  • APR up · 19.49%19.74% · Oct 8, 2026

$95 a year. Purchase APR 19.74–28.74%, variable.

Checked Nov 1, 2026Updated

Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$145$145
Typical spender$505$505
Heavy spender$1,225$1,225
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at an assumed 1¢; not counted: 5x vacation rentals; not counted: 5x hotels.

$145a year

The same in the first year and after.

Rewards and credits$240

You keep $145−$95 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.

$505a year

The same in the first year and after.

Rewards and credits$600

You keep $505−$95 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 5x vacation rentals; points valued at an assumed 1¢.

$1,225a year

The same in the first year and after.

Rewards and credits$1,320

You keep $1,225−$95 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 5x hotels; not counted: 5x vacation rentals; points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 95% of the 732 cards we track.

Other miles cards with fees up to $100

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Venture Rewards Travel Card

How you earn

5×
Capital One Entertainment purchaseshotelsvacation rentalsrental car bookings
2×
Everything else

Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.

Benefits

  • Lifestyle Collection stay experience credit: $50 other
  • Global Entry or TSA PreCheck application credit: $120
  • Up to $120 for Global Entry or TSA PreCheck; one statement credit per account every 4 years.
  • Complimentary Hertz Five Star status; enrollment is required through the Benefits Tab link in the Capital One website or mobile app.
  • No foreign transaction fees.
All 22 benefits
  • No blackout dates or seat restrictions when redeeming for travel.
  • Capital One Travel price drop protection and price match guarantee on flights, hotels and rental cars, subject to terms and availability.
  • Average 15% savings on flights using price prediction and booking recommendations; savings may vary.
  • Lifestyle Collection benefits include a $50 experience credit per eligible stay, complimentary Wi-Fi, and when available, room upgrades, early check-in and late checkout.
  • Capital One Entertainment provides access to cardholder-only VIP packages, events, pre-sales, tickets and on-site perks.
  • 50% off handcrafted beverages at Capital One Cafés nationwide, limited to one per person where applicable and while supplies last.
  • 24-hour travel assistance, including emergency replacement card and cash advance if the card is lost or stolen.
  • Capital One Offers provides access to earn statement credits by shopping online at participating retailers.
  • Capital One Shopping browser extension applies available coupon codes and provides price-drop alerts.
  • Eligible purchases receive extended warranty protection at no charge.
  • $0 fraud liability for unauthorized charges, subject to investigation and verification.
  • Free CreditWise credit monitoring is available to everyone, including non-Capital One account holders.
  • Account management through the Capital One Mobile app, including virtual cards for some eligible customers.
  • Travel accident
  • Rental car
  • Extended warranty
  • Emergency assistance

Changes

19.49%19.74% since Oct 8Oct 8Today
  • Oct 8, 2026 APR 19.49%19.74%

Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Foreign transactions

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  3. The bonus: If you’ve had a bonus on this card or one of its family in the last 48 months (4 years), you can’t get it again yet.

Questions

What is the annual fee?
$95 · Reported to the CFPB, Dec 31, 2025, since Nov 1, 2026
Does it charge a foreign transaction fee?
No. · capitalone.com, since Oct 11, 2026
What is the purchase APR?
19.74–28.74% APR · capitalone.com, since Oct 8, 2026
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