Venture Rewards
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How we calculate effective rate →
The Venture Rewards from Capital One earns up to 1% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $95
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the Venture Rewards earn in each category?
Dining is the strongest category at 1% effective value (2x points at about 0.5 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Venture Rewards compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (2x points at about 0.5 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Venture Rewards compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 1% Top category |
| Grocery Supermarkets and grocery stores | 2x points | 1% |
| Gas Gas stations and fuel | 2x points | 1% |
| Travel Flights, hotels, transit | 2x points | 1% |
| Other General everyday spend | 2x points | 1% |
Madeen values Capital One Miles at about 0.5 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Venture Rewards?
The Venture Rewards fits spenders who put meaningful volume in dining and can earn 2x points. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Capital One Venture is a straightforward travel-rewards card when you want simple miles earning without juggling category rules. Madeen compares its effective rate against flat-rate and category cards you already carry.
Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Less compelling if the $95 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
A solid mid-tier travel card; compare effective rates in Madeen before upgrading to Venture X or adding category cards.
Pros
- Simple travel-focused earn with flexible Capital One miles redemptions
- Easier to explain than multi-category travel setups
Cons
- Miles value depends on redemption path, not cash back
- Premium Venture X can beat it on benefits if you use the credits
What is the Venture Rewards welcome bonus?
In Madeen's catalog snapshot, the Venture Rewards welcome offer is Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 75k Capital One Miles (~$375 estimated)
- Terms (catalog snapshot)
- Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
- Minimum spend
- $4,000
- Window
- 3Months
Does the Venture Rewards have an annual fee?
The Venture Rewards has an annual fee of $95 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
Credit card APR ranges
Madeen matches this card to the CFPB Terms of Credit Card Plans survey for reference only. Always confirm the live issuer application and account terms before you apply.
| APR type | Range | Credit tier |
|---|---|---|
| Purchase APR | Not offered | Fixed rate shown in survey |
| Intro APR | Not offered | Fixed rate shown in survey |
| Balance transfer APR | Not offered | Fixed rate shown in survey |
| Cash advance APR | Not offered | Fixed rate shown in survey |
- Grace period:Not disclosed
- Minimum finance charge:Not disclosed
- Survey source: CFPB TCCP workbook
- APR by issuer
- APR ranges explainer
What travel perks does the Venture Rewards include?
The Venture Rewards includes Trusted traveler credit, Lounge access, 24-hour Travel Assistance Services, Auto Rental Collision Damage Waiver and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
Receive up to a $120 credit for Global Entry or TSA PreCheck
Lounge access
Escape the crows with 2 visits per year to Capitol One Lounges or to 100+ locations through our Partner Lounge Network
What benefits come with the Venture Rewards?
Extended Warranty
$10,000/yrYou'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
Travel Accident Insurance
$3,000/yrGet automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
Lyft
$1,440/yrMore rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
World Elite Concierge
$150/yrComplimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
Global Entry or TSA PreCheck® Credit
$120/yrReceive up to a $120 credit for Global Entry or TSA PreCheck®
Capital One Lounge
$99/yrRelax and recharge away from the airport crowds with luxurious amenities and fresh, local food and beverage options.
Partner Lounge Network
$99/yrElevate your travel experience by visiting one of the global lounge locations in our Partner Lounge Network.
Priority Pass
$99/yrGet access to 1,700+ airport lounges worldwide and special offers and discounts in the terminal on dining, retail and spa experiences.
Lifestyle Collection
$50/yrUnlock premium benefits with every stay, like a $50 experience credit, room upgrades when available and more when booking through Capital One Travel.
Peacock
$36/yrGet $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2027.1
Related encyclopedia topics
Common questions about the Venture Rewards
How much is 50,000 venture miles worth?
Dining is the strongest Madeen category for the Venture Rewards at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Venture Rewards have an annual fee?
The Venture Rewards carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Venture Rewards?
Dining is the strongest Madeen category for the Venture Rewards at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Venture Rewards charge foreign transaction fees?
The Venture Rewards does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Venture Rewards welcome bonus?
The Venture Rewards welcome offer in our snapshot: Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Venture Rewards annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
How does the Venture Rewards compare to similar cards?
Compare the Venture Rewards against Pottery Barn Key Rewards Visa (4% on Dining, $0 fee); SavorOne Dining Rewards (4% on Dining, $95 fee); The Key Rewards Visa (4% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Venture Rewards This card | Dining | 1% | $95 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $95 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Capital One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Capital One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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