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Capital One Venture Rewards Credit Card

The Capital One Venture Rewards card charges $95 a year and earns Capital One Miles at a flat 2X on every purchase, plus 5X on hotels, vacation rentals, rental cars and activities booked through Capital One Travel and 5X on Capital One Entertainment. It has no foreign transaction fee.

Facts read from the Capital One official Venture card page on October 22, 2026. How we check them: methodology.

Earn rates, as the issuer prints them

The 2X base rate defines this card: there are no category lanes to track, so every purchase outside the portal earns the same. Flights are not on the 5X line here, unlike on the Venture X, so airfare earns 2X wherever you buy it. The miles feed Capital One's transfer list, which the Capital One Miles hub records as mostly 1 to 1 with a short set of exceptions such as Accor at 2 to 1 and JetBlue at 5 to 3.

A year of spending on this card, worked out

Arithmetic illustration with stated inputs: $2,500 a month of everyday spending earns 60,000 miles a year at 2X. Adding $1,500 of hotels booked through Capital One Travel at 5X brings 7,500 more, for 67,500. The same hotels booked directly would earn 3,000, so the portal adds 4,500 miles on that spend if its price matches.

Welcome offer as published

As published on the issuer page: 75,000 bonus miles after you spend $4,000 on purchases within 3 months of opening the account.

The 75,000 bonus miles need $4,000 in purchases within three months of opening, about $1,333 a month. At 2X that spend earns 8,000 miles of its own, so a threshold met with ordinary purchases ends the window at 83,000 miles or more. The Venture X showed the same offer on its page checked October 22, 2026, with a $395 fee in place of $95.

Who this earn structure suits

Travelers who want one flat 2X rate on everything and can book hotels and cars through Capital One Travel for the 5X rate. The structure has no rotating categories or caps to track, which suits someone who wants miles to accrue without managing the card.

The traps to check in your account

• Points land in Capital One Miles; read its hub and the transfer guides before moving any.
• A few Capital One transfer partners use non-standard ratios (Accor at 2 to 1 and JetBlue at 5 to 3, per the hub checked October 18, 2026), so confirm the ratio before moving miles.
• Interest on a carried balance can outweigh the rewards, so the earn table assumes you pay in full.