Review of the Capital One VentureOne Rewards Credit Card

The Capital One Venture Rewards Credit Card (Review) is a more expensive version of the VentureOne, with slightly different terms. It also comes as a metal credit card, while the VentureOne does not.

There’s an annual fee of $95, which makes sense for the upgraded version of the VentureOne.

You get 2X miles per dollar instead of 1.25X. Miles will still be worth 1 cent each for basic travel redemptions, so you’re getting at least 2% back for all purchases. Like the VentureOne, you can transfer your miles to airline partners where you might find a better value than 1 cent per mile. The introductory bonus is larger, but it will take more spending to get.

Here’s what you would have to spend to earn more with the Venture than the VentureOne, after taking the annual fee into account:

So which card should you use? The VentureOne, with no annual fee, may work better for you; but if you’ll travel and use the card enough, the Venture will deliver more miles and more perks.

• Mile transfer: Transfer miles to a variety of airline partners, at varying rates.
• Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100) or TSA PreCheck ($85), once every four years
• Luxury Hotel Collection: Get perks for eligible hotel stays, including a $25 food and beverage credit, room upgrades when available, complimentary in-room WiFi, and more.
• Visa Concierge: Call any time for non-emergency assistance, like help making reservations or finding gifts.
• Shopping discounts: Look for offers from select retailers.
• Shopping and travel protections: Lost Luggage Reimbursement, Auto Rental Insurance, Roadside Dispatch, Travel and Emergency Assistance Services, Warranty Manager Service, Purchase Security
• No foreign transaction fee
• Annual fee: $95

Some of the above benefits are provided by Visa or Mastercard and may vary by product. See your respective Guide to Benefits for details, as terms and exclusions apply.

The Chase Sapphire Preferred® Card (Review) is a general-use travel card with some limitations on where you can earn points at the best rates. It’s made of metal, like the Venture card.

For $95 per year, you’ll get an excellent 5X Ultimate Rewards points per dollar on Lyft rides, and travel purchased through Chase Ultimate Rewards. 3X points per dollar on dining, select streaming, and online grocery purchases, along with 2X points on other travel purchases. Chase will add a 25% bonus when you redeem for travel through the Ultimate Rewards travel portal, making your points worth 1.25 cents each.

But Chase’s point transfer system is loved by many for the 1:1 transfer rates to many airlines and hotels. You could find as much as 2 cents per point or more through transfers, making this card a bit more rewarding.

• 10% annual point bonus: Get a 10% bonus on all points earned in the past year; awarded on your account anniversary.
• 25% redemption point bonus: Get 25% more value when redeeming for travel expenses through Chase Ultimate Rewards; that means each point is worth 1.25 cents. Chase may give a 25% bonus for other redemption types as well.
• Point transfer: Transfer points at a 1:1 rate to leading airline and hotel loyalty programs, like Marriott Bonvoy and United MileagePlus.
• DoorDash membership: Get a free membership (DashPass) for at least a year, which provides free delivery and reduced service fees on orders over $12.
• $60 Peloton credit: Enroll to get up to $60 back for an eligible Peloton Digital or All-Access Membership (through 2021). No fitness equipment is required.
• Shop through Chase/Chase Offers: Earn more points by shopping at participating retailers with the Shop through Chase and Chase Offers shopping portals.
• Visa Signature Concierge: Call to speak with your Visa Signature Concierge any time, day or night.
• Primary Auto Rental Collision Damage Waiver: Get primary coverage on eligible rental vehicles so you don’t have to pay for rental insurance and your premiums won’t go up after an accident.
• Travel protections: Roadside Dispatch; Trip Delay Reimbursement; Trip Cancellation / Trip Interruption Insurance; Baggage Delay Insurance; Lost Luggage Reimbursement; Travel Accident Insurance; Travel and Emergency Assistance Services
• Shopping protections: Purchase Protection; Extended Warranty Protection
• No foreign transaction fee
• Annual fee: $95

• FICO Credit Scorecard: Access your FICO Score 8 whenever you’d like for free, based on your TransUnion credit report.
• Cash at Checkout: At eligible retailers you can get cash at checkout, a handy way to get some money without going to an ATM. The extra cash will be counted as part of your purchase.
• Refer a Friend bonus: Earn a $100 statement credit bonus for every friend you refer who’s approved, up to 10 friends per year. If your friend makes a purchase within three months of opening the account, he or she will earn a $100 bonus too.
• Social Security number alerts: Get notified if Discover finds your SSN on any one of thousands of risky dark web sites.
• New account alerts: Get notified if any new inquiries or accounts show up on your Experian credit report.
• Purchase APR: See Terms for See Terms, then See Terms
• Balance Transfer APR: See Terms for See Terms, then See Terms
• No foreign transaction fee
• Annual fee: $0

The JetBlue Plus Card is offered through Barclays for anyone who flies JetBlue Airways more often than not.

It’s a more rewarding, but more restricting option than the VentureOne card.

Whereas with the VentureOne you’ll earn 1.25X miles per dollar on every purchase, here you’ll get 2X points at grocery stores and restaurants, and 9X points on JetBlue tickets (6X from the card, 3X or more from your flight). That 10% redemption bonus provides a bit extra to sweeten the deal.

There’s an annual fee of $99, so if you won’t use it enough you may want to go for the no annual fee version, the JetBlue Card.

Find more great airline cards over at The Best Airline Credit Cards.

• Redemption bonus: 10% of your points back every time you redeem
• Anniversary bonus: 5,000 bonus points every year, after your cardmember anniversary
• First checked bag free: You and up to three traveling companions on the same JetBlue reservation will each get your first checked bag free.
• Fast track to Mosaic member status: Reach Mosaic status, which comes with more points per dollar and other benefits, by spending $50,000 with the card in a given year.
• 50% discount on in-flight purchases: Eligible in-flight purchases are discounted 50%, including food and beverages but not WiFi access.
• Vacation bonus: $100 statement credit for each year that you purchase a JetBlue Getaways vacation package
• Purchase APR: 18.24%, 22.24%, or 27.24% Variable
• Balance Transfer APR: 0% for 12 months (for balance transfers made within 45 days of account opening), then 18.24%, 22.24%, or 27.24% Variable
• No foreign transaction fee
• Annual fee: $99

The Marriott Bonvoy Boundless™ Credit Card (Review) is a highly rewarding cobranded hotel card that comes with an annual fee and nice perks.

You’ll be charged $95 annually, but for that you’ll get access to some very useful perks and considerable rewards.

The best benefits are only applicable at Marriott Bonvoy properties, and the rewards all but restrict you to earning there too. But if you’re a fan of Marriott Bonvoy hotels, you can get a lot out of the annual free night stay, Silver Elite status, and other features.

• Annual free night stay: You’ll get one Free Night Award every year, beginning after your first account anniversary.
• Silver Elite status: As a cardholder you’ll get complimentary Silver Elite status with Marriott. Normally you’d need to spend 10 qualifying nights at Marriott properties for this status level.
• Easy path to Gold Elite status: Cardholders get a fast track to Marriott Gold Elite status by spending $35,000 in an account year. Usually it would take 25 qualifying night stays to reach this level.
• 15 annual Elite Night Credits: You’ll receive 15 Elite Night Credits every year, on or before March 1. Elite Night Credits count towards your Elite status with Marriott.
• Visa Signature concierge: Call 1-800-953-7392 at any time to reach your personal assistant, who can help with non-emergency tasks.
• Premier Experience Events: Cardholders will occasionally get invitations to exclusive events through the Premier Experience Events program. There are a variety of events, like high-class dining and cooking lessons, rounds of golf, and meetings with exciting people.
• Shopping protections: Extended warranty (which can extend a manufacturer’s warranty) for eligible products and purchase protection (covers eligible purchases against damage and theft), and zero liability.
• Travel protections: Get access to travel and emergency assistant services, trip delay reimbursement, lost luggage reimbursement, and rental car insurance.
• No foreign transaction fee
• Purchase and Balance Transfer APR: 15.99% - 22.99% Variable
• Annual fee: $95