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The Capital One Venture Rewards Acclaim Agenda is a aggressive biking rewards acclaim agenda that offers 2x afar per dollar on every acquirement and 10x credibility per dollar spent on hotels back you book and pay through Hotels.com/Venture. For starting out, new cardholders can acquire 50,000 account afar afterwards spending $3,000 on purchases in the aboriginal three months afterwards aperture a new account.
While the agenda does backpack a $95 anniversary fee (waived the aboriginal year), it offers affluence of value, advantageous benefits, and ability be a abundant fit for your acquirement and biking needs.
Today we will analysis the rewards, benefits, and costs of the Capital One Venture agenda to advice you adjudge if it makes faculty for your wallet.
The Capital One Venture agenda offers 2x afar per dollar spent on all purchases, with a account amount of 10x afar per dollar at Hotels.com. Capital One afar are anniversary a collapsed 1 cent each, which gives this agenda an agnate cash-back amount of 2%.
The 50,000-mile sign-up account is anniversary $500 in chargeless biking appropriate off the bat, afterwards spending $3,000 on purchases in the aboriginal three months you accept the card. That is abundant to awning six years of anniversary fees from the sign-up amount alone, as the aboriginal year fee is waived.
Redeeming afar is easy. Much easier than some aggressive cards, in fact. The best ethics appear from redeeming afar to balance yourself for accomplished biking or to book new travel. If you already fabricated a acquirement from any above biking company, you can redeem credibility to clean out the allegation through a account credit, which Capital One calls the “Purchase Eraser.”
You can book new biking through any airline, hotel, train, cruise, or biking bureau and balance yourself with afar back the transaction posts. Alternatively, you can book new biking through the Capital One portal, which works a lot like best big travel-booking sites online.
You can additionally use afar for allowance cards at the aforementioned 1 cent per mile rate, but don’t use your afar for cash-back redemptions. Back you do, you alone get one-half cent per mile.
This agenda comes with some abundant allowances aloof aloof for exceptional biking rewards cards. These can advice you clasp alike added amount out of the Venture agenda above what you get in rewards.
If you don’t already accept it, this agenda comes with a $100 acclaim for Global Entry or TSA PreCheck. Global Entry is the bigger affairs and includes PreCheck, so that account is anniversary $100 up to every four years. Because Global Entry lasts bristles years, that is a $20 per year value.
Back you jet off beyond the world, or over any border, the agenda accuse no adopted transaction fees. Those are generally about 3% for lower-tier cards that don’t accommodate this benefit.
Back you hit the road, this agenda covers you with some abundant biking allowance benefits. It includes rental car insurance, biking blow insurance, and a 24-hour emergency abetment number.
The agenda does not action acquirement protection, but it does appear with an automated continued assurance for acceptable purchases.
Capital One additionally offers cardholders admission to some absolute events, VIP packages, and presales for concerts, music festivals, antic events, and added ticketed events.
The allowances are not the actual best you can acquisition in the biking rewards agenda space, but at the $95 anniversary fee amount point they are appealing acceptable and awning the best accepted needs for common travelers.
The capital amount of this agenda is the $95 anniversary fee, waived the aboriginal year. If you don’t pay the agenda off in abounding every ages (which you should), it accuse capricious amount interest, currently 14.74% to 24.74% APR based on your credit. Rates can change at any time.
Cash-advance affairs allegation the top 24.74% APR rate. Balance transfers amount 3% back acquaint at a promotional APR. Balance transfers allegation no fee if they column with the accepted ARP. Cash-advance affairs allegation 3% with a $10 minimum.
Late payments amount up to $38 per occurrence. Avoid that by advantageous your bill on time.
The Capital One Venture is a actual acceptable biking rewards agenda that offers affluence of amount and opportunities to acquire afar against chargeless biking with accessible accretion options.
There are some cards in the aforementioned ambit that ability accord you a little added value, like the Chase Sapphire Preferred Card, or the ultra-high-end Chase Sapphire Reserve or The Platinum Card® from American Express. But those cards do accomplish redemptions a bit added ambagious and difficult if you appetite to get the best accessible value.
The aing adversary to this card, back analogous up appearance and rewards, is the Barclaycard Arrival Plus Apple Elite Mastercard. If the $95 anniversary fee scares you off, the lower-tier Capital One VentureOne Rewards Acclaim Agenda has no anniversary fee, but offers lower allowances as well.
Overall, if you are admiring to the big bonus, simple arrangement to acquire and redeem miles, and the admired benefits, this is a abundant card. If you adulation to travel, you won’t go amiss with the Capital One Venture card.
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