Those who don’t like annual fees or extra gimmicks may be satisfied with the Capital One VentureOne Rewards Credit Card. On top of its flat-rate rewards, the card gets additional value from the myriad of extra benefits that come standard on most Capital One cards (rates & fees).
Intro APR offer: 0% intro APR on purchases and balance transfers for 15 months, 19.99% - 29.99% variable APR after that; 3% balance transfer fee for the first 15 months, 4% at a promotional APR that Capital One may offer you.
Rewards: Earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 1.25 miles per dollar on every other purchase.
Welcome offer: Earn 20,000 miles after spending $500 on purchases within 3 months from account opening, equal to $200 in travel.
Annual fee: $0
Balance transfer fee: Balance transfer fee applies
Other benefits and drawbacks: The VentureOne isn’t quite as rewarding as its beefier cousins that charge annual fees, the Capital One Venture Rewards Credit Card (rates & fees) or the Capital One Venture X Rewards Credit Card (rates & fees). Still, it offers the ability to transfer miles to qualifying partner hotel and airline programs, doesn’t charge foreign transaction fees (rates & fees) and offers extended warranty, travel assistance services and auto rental insurance.