Venture Rewards Review 2026
EDITOR'S PICKUpdated Feb 16, 2026·CardStack Data Team
Quick Answer
The Venture Rewards earns 5.0X on hotels, 2.0X on all_purchases with a $95 annual fee. The current signup bonus is 75,000 miles (worth $750 at portal rates) after $4,000 spend. Points transfer 1:1 to airline and hotel partners.
4.2/5
Overall
5.0/5
Rewards
4.5/5
Benefits
3.0/5
Value
CompareVenture Rewards vs Delta SkyMiles Blue·Venture Rewards vs Blue Business Cash·Venture Rewards vs Blue Business Plus·Venture Rewards vs Blue Cash Everyday·Venture Rewards vs Cash Magnet
Rewards Structure
| Category | Rate | Effective ¢/$ | MCCs |
|---|---|---|---|
| hotels | 5X pts/$ | 5.00¢ | Varies |
| all_purchases | 2X pts/$ | 2.00¢ | Varies |
| Everything Else | 1X pts/$ | 1.00¢ | All |
Check MCCMCC Lookup Tool
Signup Bonus Value
75,000 miles CAPITAL_ONE Points
Spend $4,000 in first 3 months
Cash / statement credit$750
Portal redemption (1.00¢/pt)$750
Maximum value$750
Benefits
Trip Cancellation/Interruption
$2,000
Trip Delay Reimbursement
$500
Baggage Delay Insurance
$100
Auto Rental Collision Coverage
Included
Purchase Protection
$500
Extended Warranty
Included
Effective Annual Fee
Annual fee–$95
Net annual cost–$95 effective cost
Financial disclaimer: CardStack is not a financial advisor. Credit card terms, APRs, and fees are set by CAPITAL_ONE and subject to change. Verify all information on the issuer's website before applying.
Strengths and Weaknesses
Strengths
- Signup bonus worth up to $938
- 5X top earn rate on bonus categories
- 1:1 transfer to airline and hotel partners
- No foreign transaction fees
- Low annual fee with strong return on value
Weaknesses
- $95 annual fee
- 1X base rate on non-bonus spending
Who This Card Is For
Point Maximizers
Transfer partners unlock premium redemption value
International Travelers
No foreign transaction fees
Value Seekers
Strong rewards relative to $95 fee
Frequently Asked Questions
Is the Venture Rewards worth $95/year?
For moderate spenders, generally yes. The Venture Rewards offers rewards and benefits that typically exceed the $95 annual fee for anyone who uses the bonus categories regularly.
What credit score is needed for the Venture Rewards?
Most successful applicants have a credit score of 670 or higher. Higher scores significantly improve approval odds.
What is the current signup bonus for the Venture Rewards?
The current signup bonus is 75,000 miles. Check the issuer's website for the latest offer details and spending requirements.
Methodology
This review draws on data from 35+ independent sources including official product pages, the CFPB Credit Card Agreements Database, community approval datapoints, expert point valuation sources, and our proprietary MCC verification database. Rankings are data-driven with no affiliate influence on placement. Card terms were last verified on February 16, 2026. Full methodology: cardstack.co/methodology.