Is Capital One Venture Visa or Mastercard?

Capital One VentureOne is a Visa card. More specifically, VentureOne is a Visa Signature card, which means it comes with a collection of perks provided by the Visa network. Travel benefits include roadside dispatch, rental car insurance, lost luggage reimbursement and travel accident. You can also use the VentureOne Visa in more than 200 countries and territories.… read full answer

In addition to its Visa benefits, the VentureOne card has some very attractive rewards, rates, and fees, which Capital One is responsible for. There’s a sign-up bonus of 20,000 points, worth $200 in travel. You also get 1.25 miles per $1 on all purchases, except for the 10 miles per $1 you’ll receive from hotels.com/venture. Miles are worth 1.25 cents when redeemed for travel through the Venture Rewards website. The card also has a 0% APR on purchases for 12 months, a $0 annual fee and a $0 foreign transaction fee.

Capital One VentureOne Visa benefits

• Auto Rental Collision Damage Waiver. Covers you against damage or theft up to the actual cash value of the rental vehicle. Must purchase your entire rental with your VentureOne card and decline the rental company’s collision damage waiver.
• Travel Accident Insurance. You’re covered for accidental loss of life, limb, sight, speech or hearing up to $250,000. You’re covered while traveling on any air, bus, train or cruise ship paid for with the Venture One card.

• Lost Luggage Reimbursement. Pays you up to $3,000 for lost or stolen checked or carry-on bags.
• Roadside Dispatch. This service covers towing up to 5 miles, tire changes, jump starts, fuel delivery and locksmith referrals. Costs $59.95 per service call. Available 24 hours a day, 7 days a week.

• Extended Warranty. Adds up to 1 year to an original manufacturer’s warranty of three years or less.
• Purchase Security. Covers eligible items for up to $500 in the event of theft or damage within 90 days of purchase.

You can use the Capital One VentureOne Visa at more than 46 million locations in 200+ countries and territories worldwide, all without paying any foreign transaction fees.

Capital One Venture travel insurance covers you for serious accidents caused by a travel provider. It also covers rental cars and lost or damaged luggage. Capital One Venture’s travel insurance benefits don’t cost extra, either. They’re covered by Venture’s $95 annual fee and kick in automatically when you pay for travel with the card. You just have to submit a claim if a covered event occurs.… read full answer

Capital One Venture Travel Insurance Benefits

1. Travel Accident Insurance

   Capital One will pay up to $250,000 for death or dismemberment caused by travel companies like airlines, trains and buses. Cardholders, their spouses and any dependents younger than age 18 are covered. For an incident to be eligible for coverage, you must have paid the entire fare with your Venture card or miles. There are a few exceptions to what’s covered, though, so it’s a good idea to read Capital One’s benefit guide.

2. Lost Luggage Reimbursement

   If your bags are lost by a travel provider or get stolen, you can get reimbursed for up to $3,000 per trip. This applies to both you and immediate family. But you must pay for the ticket(s) and any baggage fees with Capital One Venture to be eligible. There’s also a laundry list of items that are not covered, including art, animals, vehicles, sporting equipment, furniture and cell phones.

3. Auto Rental Collision Damage Waiver

   You’re insured for collision damage and theft when you rent certain types of vehicles with your Venture card. Capital One will pay up to the cash value of the vehicle. Notable exceptions include expensive and exotic cars, vans, motorcycles, trucks and limousines.

   Capital One Venture travel insurance isn’t the most robust policy available from a credit card. But it’s solid, doesn’t cost you any extra money and isn’t a reason not to get the card. After all, you get Venture for the rewards and use the travel insurance when you have to.

Capital One Savor vs. Venture pits a cash back card against a travel rewards card. Capital One Savor offers 4% cash back on dining and entertainment, 2% cash back at grocery stores, and 1% cash back on all other types of purchases. The Venture card gives 2 miles per $1 spent on all purchases. Venture’s miles are worth 1 cent each toward travel. Both cards charge a $95 annual fee.… read full answer

Both cards come with an attractive signup bonus. Savor gives $300 after you spend $3,000 in the first 3 months. Venture offers 75,000 miles for spending $4,000 in the first 3 months. That’s worth up to $750 when redeemed toward travel. There are no introductory 0% APR offers available for either card. The regular APRs are also pretty high.

Each card comes with a wealth of benefits such as travel accident insurance, roadside assistance, extended warranty protection and more. Neither card charges a foreign transaction fee. So you can use either card for purchases abroad without having to pay a surcharge.

At the end of the day, Capital One Venture is the obvious choice for frequent travelers. But if you’re a big spender on dining and entertainment and don’t travel much, then go with the Savor card.