Card economics
Capital One Venture
Capital One has been issuing select new credit card accounts on the Discover network since March 2026, so a new Venture account may be Visa or Discover. The network shown is display only and does not change the modeled earn rates.
Annual fee
$95/yr
Foreign transaction fee
None
Some links may become affiliate links; today none pay us. Commissions are not solver inputs or ranking criteria; issuer terms, eligibility, channel offers, and your assumptions control the modeled result. Read the affiliate disclosure
Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
Points or cash back earned per dollar spent. 'x' means points multiplier, '%' means cash back percentage. Portal-only rates require booking through the issuer's travel portal.| Category | Rate |
|---|---|
| Capital One Entertainment | 5x |
| Capital One Travel - Hotels | 5xPortal only |
| Capital One Travel - Rental Cars | 5xPortal only |
| Capital One Travel - Vacation Rentals | 5xPortal only |
| Capital One Travel - Activities | 5xPortal only |
| Flights outside issuer portals | 2x |
| Hotels outside issuer portals | 2x |
| Other travel outside issuer portals | 2x |
| Travel - Car Rentals / Agencies / Cruises | 2x |
| Everything else | 2xBase rate |
Transfer partners: Capital One Miles
Fee calculator
The effective fee is the annual fee minus credits you'll actually use. A $550 card with $400 in usable credits has an effective fee of $150. Adjust credit values based on how much you'll realistically use.Sticker Fee
$95/yr
Credits
-$30
Effective FeeWhat you actually pay after subtracting credits you use. This is the real cost of holding the card — the number that matters for optimization.
$65
Credits & Benefits
Adjust each credit's value based on how much you'll realistically use. 'Easy' credits are straightforward to use (dining, streaming). 'Conditional' credits may require specific merchants or booking methods.Max: $30/yr · counted per year; renews every 4 years
Up to $120 every 4 years for Global Entry or TSA PreCheck (~$30/yr effective). Statement credit.
Max: $50/yr · annual
$50 experience credit on every Lifestyle Collection stay booked through Capital One Travel; repeats per stay. Modeled as one stay.
Adds this card to your current wallet and keeps your spending. Premium uses your edited credit values; Free uses conservative defaults. The optimizer may recommend a different wallet.
Catalog record last reviewed Oct 11, 2026; see the Corrections page for later changes. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Capital One Venture might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.