| $0 (no annual fee) | $95 ($300 lodging credit in the first year) | $395 (benefits may offset the fee) |
20,000 miles
Spending requirement: $500 | 75,000 miles + $300 lodging-booking credit
Current limited-time bonus offer | 75,000 miles (standard welcome offer)
Standard welcome offer |
| About $200 in travel statement-credit value | Up to $1,050 ($750 miles valuation + $300 lodging credit) | About $750 (at 1¢ per mile; transfers may offer higher value) |
| Spend $500 within the first 3 months | Spend $4,000 within the first 3 months | Spend $4,000 within the first 3 months |
| 0% introductory APR for the first 15 months (then 18.49%–28.49% variable APR) | No introductory APR | No introductory APR |
| Subject to the 48-month rule (prior VentureOne, Venture, or Venture X bonus recipients may be ineligible) | Subject to the 48-month rule (prior Venture or Venture X bonus recipients may be ineligible) | Subject to the 48-month rule (prior Venture X bonus recipients may be ineligible) |
| No annual credit | One-time $300 lodging-booking credit in the first year (limited-time offer) | $300 portal credit per cardmember year
Only usable at Capital One Travel checkout; expires at the next account anniversary. The credited portion earns no miles, cancellations restore only unexpired credit, and the account must remain in good standing |
| No anniversary miles | No anniversary miles | 10,000 miles annually from the first account anniversary; excluded from the opening year
Valued at 1¢ per mile for travel $100, not cash |
+$200
($200 welcome valuation − $0 annual fee) | +$955
($750 welcome miles + $300 lodging credit − $95 annual fee) | +$655
($750 welcome valuation + $300 portal credit − $395 first-year fee) |
$0
(no annual fee or fixed holding cost) | -$95
(no recurring travel credit or anniversary miles; $95 annual fee) | +$5
($300 portal credit + $100 anniversary miles valuation − $395 annual fee) |
| No complimentary lounge access | No complimentary lounge access
Subject to applicable terms, cardholders may purchase Capital One Lounge/Landing access at a discounted rate ($45 per adult visit); no Priority Pass benefit | Unlimited complimentary access for the primary cardholder
Includes Capital One Lounge/Landing and Priority Pass; guests pay $45/adult, $25/child, or $35/PP visit. $75,000 in calendar-year spending unlocks complimentary C1 guests |
| Add authorized users at no charge (sharing 1.25X miles earning) | Add authorized users at no charge (sharing 2X miles earning) | No fee for authorized-user cards (up to 4)
Eligible authorized users may add lounge access for $125 per person per year. Eligibility includes being at least 18, activating Capital One online banking, and satisfying SSN verification requirements. Priority Pass requires separate enrollment; the add-on does not include complimentary guests. |
| Hotels and rental cars 5X | Hotels, vacation rentals, and rental cars 5X | Hotels and rental cars 10X, flights and vacation rentals 5X |
| 1.25X miles (unlimited) | 2X miles (unlimited) | 2X miles (unlimited) |
| None | Hertz Five Star® rental status
Access to designated Hertz vehicle-selection areas and complimentary upgrades, subject to availability and enrollment | Hertz President's Circle® top-tier status
Must be at least 21 and enroll through Capital One's designated link; a one-class upgrade up to full-size applies under Hertz terms |
| None | Up to $120 per account every 4 years for a Global Entry/TSA PreCheck® application fee
Pay a Global Entry or TSA PreCheck® application fee with this card for a credit up to $120 per account once every 4 years, measured from the credit posting date. All users on the account share this benefit, and only the first eligible application fee is credited. Credits usually post within 2 billing periods; the account must be open and in good standing. Refunds, cancellations, or transaction changes may reverse the credit. CLEAR is excluded. Reimbursement does not imply approval or guarantee faster screening; applicable account terms control eligibility. | Up to $120 per account every 4 years for a Global Entry/TSA PreCheck® application fee
Pay a Global Entry or TSA PreCheck® application fee with this card for a credit up to $120 per account once every 4 years, measured from the credit posting date. All users on the account share this benefit, and only the first eligible application fee is credited. Credits usually post within 2 billing periods; the account must be open and in good standing. Refunds, cancellations, or transaction changes may reverse the credit. CLEAR is excluded. Reimbursement does not imply approval or guarantee faster screening; applicable account terms control eligibility. |
Eligible rental collision coverage: For rentals outside the cardholder's country of residence, eligible collision and theft coverage is generally primary. Domestic coverage depends on existing insurance and deductible terms. Pay the entire rental with the card and decline the rental company's CDW/LDW. Third-party liability is excluded; geographic and vehicle exclusions follow the applicable guide.
Based on Capital One's public terms and general network benefits; the actual issued network (Visa/Mastercard) and account benefit guide control. | Eligible Visa Signature versions: Eligible collision and theft coverage is primary for rentals outside the cardholder's country of residence; domestic coverage depends on existing insurance and deductible terms. Maximum rental periods are 15 days domestically and 31 days abroad. Pay the entire rental with an eligible card and decline the rental company's CDW/LDW. Third-party liability and bodily injury are excluded; vehicle, geographic, and other exclusions apply.
Summary based on the Visa Signature guide publicly linked by Capital One, effective 2024-12-17. Do not assume Mastercard/Discover versions are identical; the actual account guide and subsequent revisions control. | Eligible Visa Infinite primary CDW
Eligible rentals receive primary collision/theft coverage based on actual vehicle cash value and policy terms. An original new-vehicle MSRP of no more than $75,000 is an eligibility condition, not a fixed claim limit. Maximum rental periods are 15 days domestically and 31 days abroad. Pay the entire rental with an eligible card and decline the rental company's CDW/LDW. Third-party liability and bodily injury are excluded; vehicle, geographic, and other exclusions apply. Summary based on the Visa Infinite guide publicly linked by Capital One, effective 2021-10-01, document version 20221001. Actual card eligibility, account guides, and subsequent revisions control. |
| Trip delay, cancellation, and interruption coverage is not listed; these protections are limited to higher-tier travel cards such as Venture X. | The referenced Visa Signature guide does not list trip delay, cancellation, or interruption coverage. Other networks or account versions may differ; do not assume Venture X protections apply. | Delay, cancellation, and interruption: For covered delays over 6 hours or requiring an overnight stay, eligible additional expenses are covered up to $500 per ticket. Pay part or all of the common-carrier fare with the eligible account or associated rewards; one claim per trip, secondary to other compensation. Cancellation/interruption coverage is limited to specified causes, requires payment of the full trip cost under the terms, and covers nonrefundable common-carrier fares up to $2,000 per covered person. Exclusions such as pre-existing conditions apply. |
| Cellphone insurance is not listed; cellphone damage or theft protection is limited to higher-tier cards such as Venture X. | The referenced Visa Signature guide does not list cellphone protection. Other card networks and account versions must be checked against their own applicable guides. | Eligible cellphone protection
Up to $800 per eligible claim, with a $50 deductible; at most 2 claims and $1,600 total per 12 months. Pay the preceding billing cycle's monthly service bill with an eligible card; coverage begins the following month and is secondary. Prepaid plans, purely cosmetic damage, and unexplained disappearance are excluded. |
| 0% (no foreign transaction fee) | 0% (no foreign transaction fee) | 0% (no foreign transaction fee) |
| Good – Excellent (670+) | Good – Excellent (690+) | Excellent (720+) |
