Capital One VentureOne Card Benefits Guide

The Capital One VentureOne Rewards Credit score Card is without doubt one of the greatest journey bank cards obtainable with no annual price. Whereas it might sound as if a no-annual-fee card would provide fewer worthwhile advantages than an annual-fee card, Capital One VentureOne cardholders aren’t lacking out — the cardboard consists of many helpful advantages of word.

Primary Capital One VentureOne Card advantages

The Capital One VentureOne Card consists of spectacular rewards charges for a card with no annual price:

• 5X miles per greenback on resorts and rental vehicles booked by means of Capital One Journey
• 1.25X miles per greenback spent on all purchases

As for the welcome bonus, new cardholders earn 20,000 bonus miles after utilizing their card to spend $500 inside three months of account opening. Moreover, new cardholders get pleasure from a 0 p.c intro APR on purchases and steadiness transfers for 15 months (19.99 p.c to 29.99 p.c variable APR after that), making this card a strong selection to contemplate in case you’re seeking to finance a big buy or switch a steadiness.

Capital One VentureOne Card journey advantages

Auto rental insurance coverage

When touring, Capital One VentureOne cardholders have entry to a number of journey insurance coverage perks. One of the helpful is auto rental insurance coverage protection, which lets you decline the costly elective insurance coverage supplied by rental automotive firms if you use your VentureOne card to pay for the rental.

Journey accident insurance coverage

One other profit is journey accident insurance coverage. Once you use your card to pay to your ticket, you’ll be lined for as much as $250,000 within the occasion of unintentional lack of life, limb, sight, speech or listening to whereas driving as a passenger.

Journey help companies

You can also obtain as much as $3,000 value of misplaced baggage reimbursement compensation when touring, in addition to entry to a journey and emergency companies hotline and roadside help.

No overseas transaction charges

There aren’t any overseas transaction charges on purchases made exterior of the U.S., making this card an amazing selection for touring overseas or making on-line purchases in overseas foreign money proper out of your couch.

Capital One Journey

Capital One Journey makes use of expertise to assist enhance the journey reserving expertise. Particular options you’ll get pleasure from embrace:

• AI-powered value prediction, value watch and value match assure
• Extra versatile reserving choices
• Extra incomes potential: Earn 5X miles per greenback on resorts and rental vehicles booked by means of Capital One Journey

Capital One Lounges

Capital One Lounges embrace restaurant-quality eating, train services and family-friendly options. Present Capital One Lounge choices may be discovered at Dallas Fort Value Worldwide Airport, Denver Worldwide Airport and Dulles Worldwide Airport exterior of Washington, D.C.

Solely choose Capital One prospects get pleasure from complimentary entry to Capital One Lounges; VentureOne cardholders might want to pay $65 for each go to to Capital One Lounges. If lounge entry is vital to you, you might wish to think about considered one of Capital One’s different playing cards.

Lounge entry and pricing are as follows:

Different VentureOne Card advantages

Past the cardboard’s journey rewards program and advantages, VentureOne cardholders have entry to quite a few different cardholder advantages.

Eno, a digital assistant

Capital One affords a digital assistant, Eno, in its cell app. Eno can create a digital card quantity for if you store on-line, enabling you to hide your precise card quantity and reduce the chance of fraud. Eno may also be configured to supply account alerts that may notify you of potential errors, duplicate purchases or recurring invoice will increase.

CreditWise credit score monitoring

Capital One additionally affords its CreditWise service for credit score monitoring, which supplies alerts when there’s a change to your TransUnion or Experian credit score report, amongst different companies.

Capital One Eating and Leisure

Capital One has additionally partnered with some main manufacturers to supply VentureOne cardholders particular entry to eating, leisure and sports activities experiences. For instance, Capital One Eating could embrace entry to Michelin-rated eating places and particular culinary experiences. Capital One Leisure could present first entry to main live shows, unique ticket packages for sporting occasions and cardholder-only occasions.

Capital One Purchasing

Capital One affords a procuring portal with a free browser extension that may routinely apply the perfect coupon codes at checkout, along with letting you realize when costs drop on merchandise you’ve seen and bought.

Buy protections

• Prolonged warranties: Once you make a purchase order along with your Capital One VentureOne Card, you’ll get further guarantee safety on eligible objects.
• Fraud safety: You’ll obtain $0 fraud legal responsibility to guard you from being held accountable for unauthorized costs.
• Buy safety: Eligible objects shall be changed, repaired or reimbursed as much as $500 per declare and inside 90 days of buy.

See your card’s information to advantages for full phrases and restrictions.

Maximizing the Capital One VentureOne Card’s advantages

You possibly can maximize the VentureOne Card’s advantages in a number of methods. First, in case you plan on profiting from the 15 months of interest-free financing, ensure you keep away from curiosity costs by paying off your steadiness earlier than the promotional interval ends at which level the 19.99 p.c to 29.99 p.c variable APR will apply. And when touring exterior the U.S. or making a cost to a overseas firm, use your Capital One card to keep away from the three p.c overseas transaction price that many different bank cards cost.

Moreover, when you can redeem your Capital One miles at Amazon.com and PayPal, doing so could provide much less worth than you’d obtain by redeeming your miles for assertion credit towards journey purchases. It’s additionally probably a lot lower than your miles might be value when strategically transferred to journey companions and redeemed for high-value airline or lodge reservations. In accordance with Bankrate’s newest valuations, Capital One miles are value a mean of 1.7 cents per mile when transferred to the correct journey accomplice — supplying you with the best worth to your miles.

The underside line

The Capital One VentureOne Rewards card has no annual price, however that doesn’t cease it from providing lots of the similar options discovered on premium journey rewards playing cards with excessive annual charges. Crucial function is its strong rewards program that lets you both redeem your reward miles for assertion credit towards journey purchases or switch your rewards to an expanded record of airline and lodge companions.

Past rewards, vital Capital One VentureOne advantages embrace quite a few procuring, safety, journey and buy safety options. Should you’re on the lookout for a journey card with no annual price and quite a few advantages, the Capital One VentureOne card is definitely value consideration.