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Compare the Features and Benefits of Capital One VentureOne Rewards Credit Card and
United Club℠ Infinite Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
APR on balance transfers
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Purchase Protection
Extended Warranty
Trip Protections
No Foreign Transaction Fees
Concierge Services
Free Access to Credit Score
0% Intro APR on Purchases
0% Intro APR on Balance Transfers
Secondary Car Rental CDW Waiver
Earns Transferable Points
Airport Lounge Access
Free Checked Bags
Primary Car Rental CDW Waiver
Global Entry / TSA PreCheck Reimbursement
Grants Hotel Status
Grants Car Rental Status
Annual Statement Credits
Return Protection
Priority Boarding
No Fees for Authorized Users
Metal Card
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 15 months, 19.99%-29.99% thereafter)
APR on balance transfers
0% Intro APR (on balance transfers for 15 months, 19.99%-29.99% thereafter)
Ongoing APR
19.99%-29.99% (Variable)
Balance transfers fees
Balance transfer fee applies
Best Multiplier
5x Hotels

Only when booked via the Capital One Travel Portal; otherwise earn 1.25X miles per dollar.

5x Car Rentals

Only when booked via the Capital One Travel Portal; otherwise earn 1.25X miles per dollar.

1.25x Everything Else
Avg. Point Value
(Learn More)
$0.016
Bonus Offer
20,000 miles when you spend $500 within 3 months
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The no-annual-fee VentureOne Rewards Card is almost identical to the $95 per year Capital One Venture card with two major differences: It earns 1.25x miles per dollar on most purchases (while the Venture earns 2x), and it has less of a generous sign up bonus.

With the ability to transfer miles to travel partners or use miles to cover the cost of whatever travel charges you wish — along with a simple rewards structure — the VentureOne card is a decent no-annual-fee option. On the earnings front, Capital One miles are pretty much as easy as it gets. You’ll earn rewards at a rate of 1.25X miles per dollar spent on pretty much everything, with 5X miles per dollar spent on hotels and rental cars booked through Capital One Travel. That’s a bit lower than many other cards on the market, but on the flip side, many of those cards don’t offer the ability to outright transfer rewards to airlines and hotels, either.

capital one ventureone

Capital One’s redemption process is similar to other programs, such as Amex Membership Rewards and Chase Ultimate Rewards, with transferable points often providing a higher value for your travel rewards. Some high-value ways to use Capital One miles include redeeming with Air Canada Aeroplan, Turkish Miles & Smiles, and Virgin Red (redeem miles for Virgin Voyages and Virgin Atlantic). For simplicity’s sake, you can also book travel however you want, then redeem miles for a statement credit for some or all of the cost. Miles are worth a flat 1 cent apiece when redeemed this way — and there’s no minimum redemption amount.

On top of all of that, there’s a respectable array of travel and purchase protections (similar to the Capital One Venture Rewards Credit Card but not nearly as robust as the $395-per-year Capital One Venture X Rewards credit card).

This card is really best suited for those that are adamant about not paying an annual fee, want the flexibility to redeem their rewards for cash back, airline miles, or hotel points, and have no desire to be charged pesky foreign transaction fees when they travel abroad.

One “trick” worth knowing is that Capital One allows you to combine from a cash back card to another cash back card or from a cash back card to a miles card. So you could, for example, have both this card and a SavorOne card (with multipliers for dining and entertainment) and then combine your cash from the SavorOne to your VentureOne miles. They would convert at one point per cent.

Lastly, how might you decide between the Venture and the VentureOne when the Venture has an annual fee of $95, but earns 2X miles per dollar vs. 1.25 miles per dollar on the VentureOne?

The calculation is that at roughly $12,500 in annual spend, you would be better off, even with the $95 annual fee, with the Capital One Venture Rewards Credit Card as the additional rewards earned become more than the annual fee.

Read more
Unique Card Benefits
yes
Purchase Protection
yes
Extended Warranty
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Concierge Services
yes
Free Access to Credit Score
yes
0% Intro APR on Purchases
yes
0% Intro APR on Balance Transfers
yes
Secondary Car Rental CDW Waiver
yes
Earns Transferable Points
yes
Airport Lounge Access
no
Free Checked Bags
no
Primary Car Rental CDW Waiver
no
Global Entry / TSA PreCheck Reimbursement
no
Grants Hotel Status
no
Grants Car Rental Status
no
Annual Statement Credits
no
Return Protection
no
Priority Boarding
no
No Fees for Authorized Users
no
Metal Card
no
Annual Fee
$525
Avg. Min. Credit Score
800-850 *
APR on purchases
-
APR on balance transfers
-
Ongoing APR
21.99%-28.99% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
4x Airfare
2x Dining Out / Food Delivery
1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
Earn 80,000 United MileagePlus Miles after you spend $5,000 on qualifying purchases in the first three months of opening an account. Offer ends January 24, 2024.  
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.25) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The United Club Infinite Card is a surprisingly robust offering from United Airlines and Chase.

The primary reason to get this card is because you fly United enough that you would like to have United Club lounge access for all of your flights.

The average person will save $125 by gaining United Club access via this credit card than by buying it directly. Even United 1K members come out $25 ahead. Why would anyone buy United Club access directly when it’s cheaper to pay a lower annual fee on the credit card?

By the way, the exact same thing applies to the Citi® / AAdvantage® Executive World Elite MasterCard® and as well as the Delta SkyMiles® Reserve American Express Card and the Delta SkyMiles® Reserve Business American Express Credit Card. The Delta cards even offer American Express Centurion Lounge access when flying Delta, although they also have a limit on lounge visits per year.

You also have the ability to earn the most Premier Qualifying Points towards United elite status of any of the United credit cards. You’ll earn 25 Premier Qualifying Points (PQPs) for every $500 you spend on purchases.

Now, sure, outside of 4X miles per dollar spent on United purchases, the earn rate on other categories aren’t particularly strong. But the card’s features and benefits that we’ve described above that come on top of the United Club lounge access are incredibly compelling.

To recap, those benefits include:

  • United Club lounge access

  • First and second free checked bags

  • Receive 25% Back on United inflight and Club Premium Drink Purchases

  • Earn up to 10,000 Premier Qualifying Points (PQP) (You’ll earn 25 Premier Qualifying Points (PQPs) for every $500 you spend on purchases.)

  • 10% Saver Award Flight Discount

  • Expanded Award Availability

  • Premier Upgrades on Award Tickets

  • Premier Access including priority check in and priority boarding

  • Return Protection for Items a Store Won’t Take Back + Extended Warranty and Purchase Protection

  • Access to The Luxury Hotel & Resort Collection

  • Primary Car Rental CDW Insurance

  • Global Entry / TSA PreCheck / NEXUS Reimbursement as a Statement Credit

  • IHG Platinum Status

  • Top Tier Avis President’s Club status

lounge-access-united-club-credit-card

That’s not all of the card features, but it sure is enough to see that the value you are getting for that annual fee is pretty amazing.

Read more
Unique Card Benefits
yes
Purchase Protection
yes
Extended Warranty
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Concierge Services
yes
Free Access to Credit Score
yes
0% Intro APR on Purchases
no
0% Intro APR on Balance Transfers
no
Secondary Car Rental CDW Waiver
no
Earns Transferable Points
no
Airport Lounge Access
yes
Free Checked Bags
yes
Primary Car Rental CDW Waiver
yes
Global Entry / TSA PreCheck Reimbursement
yes
Grants Hotel Status
yes
Grants Car Rental Status
yes
Annual Statement Credits
yes
Return Protection
yes
Priority Boarding
yes
No Fees for Authorized Users
yes
Metal Card
yes

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