Why I Love The Capital One Venture Rewards Card

Cowl your bases. Don’t overcomplicate life. Be ready. I’m undecided the place or how these classes had been drilled into my head, however they had been.

So, once I began taking a look at rewards bank cards, I centered on discovering one that may do excess of simply let me make prices. I needed to decide on a card that may be advantageous to my distinctive circumstances, particularly for rewards and journey.

That put the Capital One Enterprise Rewards Credit score Card on the prime of my checklist — and I’ve now been a cardholder for over seven years. Beneath, we’ll check out a number of the Capital One Enterprise’s advantages and why I’m a fan of the cardboard.

What to like in regards to the Capital One Enterprise Rewards Card

Flat-rate rewards

I don’t get pleasure from determining which spending classes will generate essentially the most bank card rewards. With the Capital One Enterprise, I used to be interested in the simplicity of incomes a vast 2X miles on all purchases. For that reason, I exploit my Capital One Enterprise for many main purchases over $100, whether or not it’s to improve a cellphone, purchase garments or do some vacation purchasing. If I cost $1,500 in a month, I do know that I’ll earn 3,000 Capital One miles. It’s an uncomplicated calculation.

As well as, I get 5X miles for each greenback I spend once I e-book resorts and rental vehicles via Capital One Journey. That’s an enormous incentive to make use of this card for holidays. Though paying a $1,000 lodge invoice isn’t enjoyable, at the very least I do know I’ll earn 5,000 miles — price $50 in journey — once I accomplish that.

Enjoyable to look at the miles rack up

I like seeing precisely what number of miles I earn for every cost. To take action, I simply log in to my account and navigate to the part about incomes exercise. For instance, my mother was just lately on the town, and I took her out for a swanky meal. That invoice was $188.44, and it earned me 377 miles. I then splurged on two pairs of sun shades for $145.39, which netted me 291 miles. It’s like checking the progress of a financial savings account.

With common exercise, miles can add up rapidly. Like almost everybody else, I used to be homebound for many of 2020 and the primary a part of 2021. Since Capital One miles by no means expire, I had almost 50,000 miles sitting in my account by this time. That’s price roughly $500 in journey.

Versatile flight choices

The Capital One Enterprise provides me the flexibility to make use of my miles freely. Because it’s a common journey card, I can e-book flights with whichever Capital One airline accomplice presents the perfect deal. For instance, I just lately used my Capital One Enterprise for a visit to Thailand on Singapore Airways, which isn’t a typical occasion for me (as a lot as I’d prefer it to be).

Plus, the Capital One Enterprise pairs effectively with my United℠ Explorer Card* from Chase, which I exploit for all of my United Airways purchases. Though United is nice, typically the perfect fares are with an airline that I could fly with solely a few times — and that’s the place the Capital One Enterprise is available in.

Journey perks

Once I’m overseas, I’ll normally use my Capital One Enterprise to pay for actions, eating and purchasing because it doesn’t cost international transaction charges. Compared, many playing cards cost a 3 p.c payment for every transaction made overseas, so a trip the place I’d spend $4,000 can add $120 in international transaction charges.

This card additionally comes with an as much as $100 credit score for World Entry or TSA PreCheck, which helps to offset the $95 annual payment.

Client protections

I’ve a really giant credit score restrict on my Capital One Enterprise card, and it saved my teenage daughter’s life. A few years in the past, I took her to the Dominican Republic. In the course of the journey, she all of a sudden turned very unwell. I rushed her to the native hospital, however earlier than they might admit her, I needed to pay a $1,000 deposit. The ultimate invoice was effectively over $5,000. Even when I had that a lot money out there in my checking account, bank cards are a greater device to make use of since they embody client protections.

Additional, this prime Capital One card comes with Eno, Capital One’s fraud monitoring program. Being within the Dominican Republic and charging that a lot was nerve-racking, however I knew my account was protected, which allowed me to focus on the vital process of serving to my daughter recuperate.

The underside line

Ultimately, even with a $95 annual payment, my Capital One Enterprise Rewards Credit score Card is a cut price. It provides me choices, together with flat-rate rewards, versatile flights and quite a few protections. Plus, it’s simple to rack up miles. With so many journey rewards, I simply need to resolve the place to go!

*The details about the United℠ Explorer Card has been collected independently by Bankrate.com. The cardboard particulars haven’t been reviewed or authorised by the cardboard issuer.