The Capital One Venture card is one of the most flexible in the industry, particularly if you are a frequent traveler. It earns double miles on every purchase with no bonus categories to remember. You can redeem these points for previous travel purchases (worth a penny a point) or transfer them to travel partners.

You can use your miles to get reimbursed for any travel purchase on your card or redeem your miles by booking a trip through Capital One Travel at a value of one cent per point for an effective 2% cash back on all purchases - or you can transfer them to a range of airlines and hotel partners.

1) The bonus value for the early spend bonus on this card assumes you will transfer the points to miles. If you use it to rebate charges for travel, the early spend bonus value will be 1 cent per point, exactly.

You can transfer to several airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.

Capital One Venture X Credit Card Earn Rate

• 10X Capital One Miles on hotels and car rentals when booked via Capital One Travel
• 5X Capital One Miles on airfare booked via Capital One Travel - which utilizes Hopper.
• 2X Capital One Miles on everything else

Capital One Venture X Credit Card Benefits

Capital One launched this card with a laundry list of benefits which are very impressive. You'll quickly see that the annual fee is wiped out and then some by the benefits.

• Up to a $300 credit annually for bookings made on Capital One Travel
• 10,000 bonus miles every account anniversary (equal to $100 towards travel)
• Unlimited access to Capital One Lounges and also to 1,300+ Priority Pass lounges internationally + two guest passes (Effective January 1, 2023, Priority Pass non-lounge airport experiences (like dining, retail shopping and spa discounts) are not part of the Visa Infinite® benefit program for Venture X cardholders.)
• Up to $100 in statement credits for either TSA PreCheck or Global Entry
• Complimentary Hertz President’s Circle status (top tier!) for primary cardholders, authorized users and account managers. The status is valid until Dec 31, 2024.
• Primary Car Rental Collision/Damage Coverage
• Authorized Users can be added for no fee and they also get their own Priority Pass membership.
• Cardholders can earn up to 100,000 miles per year for referring friends, who can then experience the unparalleled benefits Venture X has to offer (up to 4 referrals per year; 25,000 miles awarded per referral)
• No foreign transaction fees

You can transfer to several airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.

If you used our Credit Cards Optimization Tool to find this card, please remember that the 10X and 5X bonus rates only apply to travel booked through the Capital One Travel Portal.

The Citi Double Cash® credit card is one of the "gold standards" in cash back cards.

This card earns a flat 2% cash back in a slightly different way.

You will earn 1% cash back twice: first when you make the charge, then when you pay. That's 2% total.

Cash back will be earned in the form of ThankYou Points, redeemable for cash or combinable with your other ThankYou points.

You can redeem your points directly for cash or you can convert Double Cash points to JetBlue. And if you have a Citi Premier or Citi Prestige, then you can also transfer them to Citi's participating travel loyalty programs at a 1:1 ratio, making this card worth a look for points and cash aficionados alike.

Balance Transfer Offer

0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.

This no-fee card offers 1.25x on all purchases.

Compare this card with the standard Venture which earns 2x miles on all purchases. Spend your miles on travel at a penny per mile or transfer them to more than a dozen airlines.

Most people would fare better with the standard Capital One Venture card, despite its annual fee, because it earns at the rate of 2x per dollar instead of 1.25x.

The bonus value for the early spend bonus on this card assumes you will transfer the points to miles. If you use to book travel, the early spend bonus value will be $200, exactly.

You can transfer to more than 15 airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.

Enjoy 0% intro APR on purchases and balance transfers for 18 months; 19.74% - 29.74% variable APR after that; 3% fee on the amounts transferred within the first 18 months

Earns 1.5% cash back on all purchases with no annual fee and no foreign transaction fees. For those with good credit.

Also, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Terms apply.

Uber Benefit

Get up to 6 months of complimentary Uber One membership statement credits through November 14, 2024.

0% intro APR on purchases and balance transfers for 15 months; 19.74%-29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Earn 1.5% back as Bitcoin.

This is a super simple credit card designed for those that want to earn their cash back as crypto without having to convert and buy later.

With no foreign transaction fees, this card is that simple: as you spend, you'll earn 1.5% back in rewards that automatically are used to purchase Bitcoin.

They also note the following: Payments on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Your bitcoin will be purchased within 1-2 statement periods from the date your payment is received. The value of the bitcoin purchase will be based on the reference rate at the time of the bitcoin purchase. Sales of bitcoin are subject to a 1.5% transaction fee which will be deducted from your sale proceeds. Sale proceeds are redeemable only in the form of statement credit.