Credit Cards » Compare Credit Cards » BofA Travel Rewards vs. Capital One Venture Card: How They Compare?
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BofA Travel Rewards vs. Capital One Venture Card: How They Compare?

The Capital One Venture offers a better points rewards ratio and travel benefits than the BofA Travel rewards. Is it worth the annual fee?
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

When it comes to choosing a credit card for travel rewards, two prominent options are the Bank of America Travel Rewards Card and the Capital One Venture Card. In this comparison, we'll delve into the details of these cards to help you make an informed decision.

General Comparison: BofA Travel Rewards vs. Capital One Venture

The Bank of America Travel Rewards Card offers simplicity and affordability, with a straightforward rewards structure that allows you to earn points on all your purchases and redeem your points for travel expenses. The card doesn't charge an annual fee and there is 0% intro APR for new cardholders.

On the other hand, the Capital One Venture Card is renowned for its generous earning rate and the flexibility to transfer miles to a variety of airline partners, providing more options for those who like to maximize their travel rewards.

Bank of America® travel rewards

capital-one-venture

Bank Of America Travel Rewards
Capital One Venture
Annual Fee
$0
$95
Rewards
1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points
2X miles per dollar on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel
Welcome bonus
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – which can be redeemed for a $250 statement credit toward travel purchases.
75,000 miles once they spend $4,000 on purchases within 3 months from account opening
0% Intro APR
15 billing cycles on purchases and balance transfers, then 18.24% – 28.24% Variable APR will apply. APR
N/A
Foreign Transaction Fee
$0
$0
Purchase APR
18.24% – 28.24% Variable APR will apply.
19.99% – 29.99% (Variable)
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Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Credit Card Points Battle: A Side-by-Side Analysis

The Capital One Venture card offers a better points rewards ratio, and we can see a significant difference in rewards based on our analysis.

Bank of America® travel rewards

capital-one-venture

Spend Per Category
BofA Travel Rewards
Capital One Venture
$15,000 – U.S Supermarkets
22,500 points
30,000 miles
$5,000 – Restaurants
7,500 points
10,000 miles
$5,000 – Airline
7,500 points
10,000 miles
$5,000 – Hotels
7,500 points
25,000 miles
$4,000 – Gas
6,000 points
8,000 miles
Estimated Annual Value
51,000 points (About $510)
83,000 points ( $830)

BofA Travel Rewards vs. Capital One Venture: Compare Benefits

Both cards come with extra perks, but the Venture card offers more premium perks, such as lounge access and TSA PreCheck reimbursement.

BofA Travel Rewards

Bank of America® travel rewards

  • 25%-75% More Points: Bank of America Preferred Rewards® members earn 25%-75% more points on every purchase.
  • Balance Connect® for Overdraft Protection: Link your eligible Bank of America® checking account to your credit card to prevent declined purchases, returned checks, or other overdrafts with this optional service.
  • 0% Intro APR: The Travel rewards credit card offers a low introductory Annual Percentage Rate (APR) of 0% for 15 billing cycles on purchases and balance transfers, then 18.24% – 28.24% Variable APR will apply. APR.
Capital One Venture

capital-one-venture

  • Capital One Dining and Entertainment: Enjoy exclusive reservations at award-winning restaurants and access to culinary experiences, as well as exclusive pre-sales, tickets, and more for music, sports, and dining events.
  • Capital One Lounges: Cardholders can escape airport crowds by accessing all-inclusive Lounges with unlimited complimentary access for themselves and two guests per visit.
  • Hertz Gold Plus Rewards President's Circle® status: Venture X cardholders are eligible for complimentary Hertz President’s Circle status, allowing them to skip the rental counter, choose from a wide selection of cars, and receive guaranteed upgrades.
  • Global Entry or TSA PreCheck® Credit: Receive up to a $100 credit for Global Entry or TSA PreCheck®.
  • Partner Lounge Network: Enjoy unlimited access for yourself and two guests to over 1,300 lounges worldwide from Priority Pass™ and Plaza Premium Group.
  • Miles Redemption: Use your Capital One miles to cover various travel expenses, such as flights, hotels, rental cars, and transfer miles to a choice of 15+ travel loyalty programs.
  • Auto Rental Collision Damage Waiver: Enjoy primary coverage against theft and collision damage for most rental cars globally, provided you opt out of the rental company's insurance. Reimbursement extends up to the actual cash value of the vehicle.
  • Purchase Protection: Safeguard your new purchases from damage or theft with comprehensive coverage.

When You Might Prefer The BofA Travel Rewards?

You might prefer the Bank of America Travel Rewards Card over the Capital One Venture Card in certain situations:

  • No Annual Fee: The Bank of America Travel Rewards Card doesn't have an annual fee, making it a cost-effective option for those who want to earn travel rewards without the added expense of an annual fee.
  • Lower Credit Score: If you have a slightly lower credit score, you might have a better chance of being approved for the Bank of America Travel Rewards Card compared to some premium travel cards.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Prefer the Capital One Venture Card?

You might prefer the Capital One Venture Card if:

  • You're A Frequent Travelers: If you're a frequent traveler who values the ability to earn and redeem rewards for premium travel experiences, the Capital One Venture Card's earning rate and transferable miles can be a valuable advantage.
  • You Want Premium Travel Perks: The Capital One Venture Card offers additional travel benefits like Global Entry or TSA PreCheck fee credits, travel insurance coverage, and airport lounge access.

Compare The Alternatives

Whether you're seeking travel rewards, a straightforward cashback system, or specific perks tailored to your lifestyle, these alternatives have something for everyone.

chase_sapphire_preffered

Amex gold

Wells Fargo Autograph

Chase Sapphire Preferred® Card
American Express® Gold Card
Wells Fargo Autograph℠ Card
Annual Fee
$95
$250
$0
Rewards
2X – 5X 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
1X – 3X 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Also, earn 1X points on other purchases
Welcome bonus
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership
20,000 Points 20,000 bonus points when you spend $1,000 in purchases in the first 3 months
Foreign Transaction Fee
$0
None
$0
Purchase APR
21.24%–28.24% variable APR
N/A
20.24% – 29.99% variable

Compare Bank of America Travel Rewards

Both cards have no annual fee, but when it comes top redemption value – the Customized Cash Rewards gives you more. Here's our analysis.

Bank of America Travel Rewards vs Customized Cash Rewards Card

The BofA Premium Rewards is the winner when it comes to travel benefits, but there are cases when you'll prefer the BofA Travel Rewards.

Bank of America Premium Rewards vs. Travel Rewards: Comparison

If you're looking for an basic travel card, the Discover it Miles is better on our opinion. Here are our thoughts – and a full comparison.

Discover It Miles vs BoFa Travel Rewards: Which Card Wins?

Compare Capital One Venture Card

The Venture X card outshines the Venture card with superior rewards and premium travel perks. Is It worth the annual fee difference?

Capital One Venture vs. Venture X: How They Compare?

If you're looking for travel rewards, it's an easy decision. But what about if you're looking to get rewards on everyday spending?

Capital One Venture vs Capital One Quicksilver: Which Card Wins?

While the Chase Sapphire Preferred Card has more benefits, the Capital One Venture card offers unique features. Which travel card is better?

Capital One Venture vs Chase Sapphire Preferred: Which Card Is Best?

While Amex Gold Card offers statements credits and everyday spending benefits, the Venture card is cheaper and include decent travel perks.

Capital One Venture vs. Amex Gold Card: How They Compare?

The Venture card offers better travel perks and rewards ratio than the VentureOne, but lacks 0% intro APR. Here's our side-by-side comparison

Capital One Venture vs. VentureOne: How They Compare?

The Capital One Venture is designed for avid travelers, while the Savor card caters to foodies and entertainment lovers. How do they compare?

Capital One Venture vs. Capital One Savor: Comparison

The Capital One Venture is a clear winner as it offers a better miles rewards ratio and extra travel benefits. But it charges an annual fee.

Discover it Miles vs. Capital One Venture Card: How They Compare?

The Capital One Venture is a clear winner as it offers higher annual cashback value and better travel perks than the Alaska Visa Signature

Alaska Visa Signature vs Capital One Venture: Side By Side Comparison

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.