Capital One · Flexible points · Visa/Mastercard
Capital One VentureOne Rewards: what it's really worth
The Capital One VentureOne Rewards has a no annual fee. For a typical household spending $2,070 a month, it's worth about $715 in year one and $435 each year after.
Annual fee$0
Sign-up bonus$28020,000 miles after $500 in 3 mo
Net value · year 1$715
Net value · each year after$435
Some 2026 offers added a $100 Capital One Travel credit.
Calculate it with your own spendingIs the annual fee worth it?
No annual fee — nothing to lose by keeping it open, which also helps your credit history.
How you earn
| Category | Rate | Value per $1 | Per year* |
|---|---|---|---|
| Dining | 1.25x | 1.8¢ | $63 |
| Groceries | 1.25x | 1.8¢ | $105 |
| Hotels | 1.25x | 1.8¢ | $17 |
| Flights | 1.25x | 1.8¢ | $21 |
| Gas | 1.25x | 1.8¢ | $32 |
| Streaming | 1.25x | 1.8¢ | $8 |
| Everything else | 1.25x | 1.8¢ | $189 |
*At typical monthly spending: dining $300, groceries $500, hotels $80, flights $100, gas $150, streaming $40, everything else $900. 5x on hotels and rental cars booked through Capital One Travel.
Who it's for
- Travel miles with no annual fee
- No foreign transaction fees abroad
- Not ideal: Maximizing rewards — the $95 Venture earns 2x
Can I get it?
- Recommended credit: Good
- Capital One rules: Generally approves about one new Capital One card every 6 months. Bonuses may be limited if you've had the card in the last 48 months.
- Visa/Mastercard: Capital One issues this card on either Visa or Mastercard — check the logo on yours. Both are accepted almost everywhere, but Costco warehouses take only Visa.
Check the current offer at Capital One
Similar cards
Chase Sapphire Preferred$1,686 year 1 · $95 feeChase Sapphire Reserve$2,008 year 1 · $795 feeAmerican Express Platinum Card$1,720 year 1 · $895 feeAmerican Express Gold Card$1,701 year 1 · $325 fee
Updated Oct 30, 2026.