The Best Capital One Credit Card Offers for Travel
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Much like American Express, Chase and Citi, Capital One offers a few credit cards specifically for travelers. These travel rewards cards, which feature a variety of benefits, allow you to earn miles on your purchases and then redeem them towards things like airfare, hotel stays and other travel costs.
Two of Capital One’s credit cards are travel-focused: the Capital One Venture X Rewards Credit Card and the Capital One Venture Rewards Credit Card.
Let’s look at the best Capital One credit card offers for travel, the differences between these two cards and which one is right for you.
The Capital One Venture X Rewards Credit Card vs. Capital One Venture Rewards Credit Card
Capital One Venture X Rewards Credit Card
Capital One Venture Rewards Credit Card
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
Miles earned on Capital One Travel purchases
10 miles per dollar spent on hotels and rental cars and 5 miles per dollar spent on flights.
5 miles per dollar spent on hotels and rental cars.
Bonus miles earned
10 miles per dollar spent on Turo through May 16, 2023, and 2 miles per dollar spent everywhere else.
5 miles per dollar spent on Turo through May 16, 2023, and 2 miles per dollar spent everywhere else.
Annual travel credit
Up to $300 when booked through Capital One Travel.
Global Entry/TSA PreCheck credit
Up to $100 every four years.
Up to $100 every four years.
Airport lounge access
Unlimited access to Capital One and partner lounges.
Two visits per year.
Cell phone insurance
Up to $800.
Foreign transaction fees
Let’s compare the Capital One Venture X Rewards Credit Card and the Capital One Venture Rewards Credit Card across welcome bonuses, annual fees and the benefits each card provides.
A closer look at Capital One credit card offers
The Capital One Venture X Rewards Credit Card is currently featuring a welcome offer of: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
Meanwhile, the Capital One Venture Rewards Credit Card is offering the following: Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
It’s not uncommon to see welcome offers change; in this case, the two cards offer an identical amount of bonus miles for the same spend level, leaving them wholly tied.
However, if you’re really looking to focus on earning miles, you may want to consider the Capital One Venture X Rewards Credit Card because of its much lower annual fee compared to the Capital One Venture Rewards Credit Card. More on this next.
There is a significant difference between the two cards’ annual fees. The Capital One Venture Rewards Credit Card is a mid-tier card and its annual fee reflects as such. You’ll pay just $95 per year to hold the card, though you’ll enjoy correspondingly fewer benefits as a result.
The feature-laden Capital One Venture X Rewards Credit Card, meanwhile, competes with other premium reward credit cards with an annual fee of $395.
Perks shared by both cards
Bonus miles earned. When not booking travel via Capital One’s travel portal or Turo, you’ll earn a flat two miles per dollar spent on all purchases with both cards.
Travel insurance. Both cards come with travel insurance, including rental car insurance and a lost luggage reimbursement.
Global Entry/TSA PreCheck credit. These cards offer a credit of up to $100 towards Global Entry or TSA PreCheck membership, valid once every four years.
No foreign transaction fees. Neither of these cards charges a foreign transaction fee when used overseas.
» Learn more: The best travel credit cards might surprise you
Benefits unique to the Capital One Venture X Rewards Credit Card
Featuring a lower annual fee compared to other high-end travel credit cards, the Capital One Venture X Rewards Credit Card still comes with a bevy of benefits.
$300 travel credit
Not as generous as the travel credit offered by the Chase Sapphire Reserve® card, you’ll still receive up to $300 each year towards travel purchases — as long as they’re booked through the Capital One travel portal. This is valid for multiple types of travel, including flights, hotels and rental cars.
» Learn more: How to use the Venture X travel credit
Airport lounge access
Capital One has started building its own branded airport lounges, with one already open at Dallas-Fort Worth airport and two more are set to open in Denver and Washington-Dulles in 2023. Those who hold the Capital One Venture X Rewards Credit Card receive complimentary unlimited access to these lounges.
In addition, cardholders receive a Priority Pass Select membership, which grants them entry to more than 1,300 airport experiences worldwide. This includes lounges, restaurants and even massages. Cardholders can also bring up to two guests into the lounge for free. Note that all non-lounge benefits will be discontinued Jan. 1, 2023.
Finally, you’ll also have unlimited access to the Plaza Premium lounge network, which features more than 100 locations around the globe.
» Learn more: The guide to Capital One lounges
Starting on your first anniversary, those with the Capital One Venture X Rewards Credit Card will receive a 10,000 mile bonus, which is worth $100 toward travel through Capital One’s travel portal.
Cell phone insurance
When you pay your cell phone bill with your card, you’ll be eligible for reimbursement of up to $800 if your phone is damaged or stolen.
» Learn more: What to know about electronics insurance
Benefits unique to the Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card has just one unique benefit compared to its higher-end sibling.
As a cardholder, you’ll receive complimentary access to either a Capital One lounge or a Plaza Premium lounge twice per year.
Afterward, you can enjoy these lounges for just $45 per visit.
» Learn more: 5 reasons you should be using airport lounges
Redeeming Capital One Miles
Both cards earn Capital One Miles, which can be used in various ways. This includes redeeming them for statement credits, transferring them to hotel and airline partners or buying gift cards.
Be aware that not all redemptions are created equally. For example, Capital One will allow you to redeem miles at a value of one cent per point towards purchases made within their travel portal. However, these miles are valued at up to 1.8 cents each by Nerdwallet, which is made possible by redeeming miles with transfer partners instead.
Capital One’s hotel and airline transfer partners
Capital One has a total of 17 different hotel and airline transfer partners, including airlines from SkyTeam, Star Alliance and Oneworld alliance.
It’s important to note that while most of these transfer at a 1:1 ratio, which means one Capital One mile becomes one hotel or airline point, there are a few exceptions. Capital One miles transfer to ALL - Accor Live Limitless at a 2:1 ratio and to EVA Air Infinity MileageLands at a 2:1.5 ratio.
» Learn more: The guide to Capital One transfer partners
If you’re considering a Capital One credit card …
Capital One’s two Venture cards aim to serve various travel customers. Those who aren’t interested in a high annual fee can opt for the Capital One Venture Rewards Credit Card, while those who’d like a more premium travel experience may enjoy the Capital One Venture X Rewards Credit Card.
Before picking the card that’s right for you, consider how you’ll make use of the card. How often do you travel? Do you enjoy spending time in airport lounges? Will you benefit from an annual travel credit? Answering these questions can help steer you toward the right Capital One card for your needs.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:
Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
No annual fee: Bank of America® Travel Rewards credit card
Flat-rate travel rewards: Capital One Venture Rewards Credit Card
Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
Luxury perks: The Platinum Card® from American Express
Business travelers: Ink Business Preferred® Credit Card