Why I Love The Capital One Venture Rewards Card

Key takeaways

  • The Capital One Enterprise Rewards Credit score Card is a good choice for shoppers searching for an entry-level journey card or a easy, flat-rate journey card
  • This card gives a vast 2X miles on all purchases and 5X miles on inns and rental vehicles booked by means of Capital One Journey
  • The cardboard consists of journey perks like entry to Capital One journey companions, no international transaction charges and an as much as $100 credit score for International Entry or TSA PreCheck

Cowl your bases. Don’t overcomplicate life. Be ready. I’m unsure the place or how these classes had been drilled into my head, however they had been.

So, once I began rewards bank cards, I targeted on discovering one that might do way over simply let me make prices. I wished to decide on a card that might be advantageous to my distinctive circumstances, particularly for rewards and journey.

That put the Capital One Enterprise Rewards Credit score Card on the prime of my listing — and I’ve now been a cardholder for over seven years. Under, we’ll check out a few of the Capital One Enterprise’s advantages and why I’m a fan of the cardboard.

What to like in regards to the Capital One Enterprise Rewards Card

Flat-rate rewards

I don’t take pleasure in determining which spending classes will generate essentially the most bank card rewards. With the Capital One Enterprise, I used to be interested in the simplicity of incomes a vast 2X miles on all purchases. Because of this, I exploit my Capital One Enterprise for many main purchases over $100, whether or not it’s to improve a telephone, purchase garments or do some vacation procuring. If I cost $1,500 in a month, I do know that I’ll earn 3,000 Capital One miles. It’s an uncomplicated calculation.

As well as, I get 5X miles for each greenback I spend once I e book inns and rental vehicles by means of Capital One Journey. That’s an enormous incentive to make use of this card for holidays. Though paying a $1,000 resort invoice isn’t enjoyable, at the very least I do know I’ll earn 5,000 miles — price $50 in journey — once I accomplish that.

Enjoyable to look at the miles rack up

I like seeing precisely what number of miles I earn for every cost. To take action, I simply log in to my account and navigate to the part about incomes exercise. For instance, my mother was lately on the town, and I took her out for a swanky meal. That invoice was $188.44, and it earned me 377 miles. I then splurged on two pairs of sun shades for $145.39, which netted me 291 miles. It’s like checking the progress of a financial savings account.

With common exercise, miles can add up shortly. Like practically everybody else, I used to be homebound for many of 2020 and the primary a part of 2021. Since Capital One miles by no means expire, I had practically 50,000 miles sitting in my account by this time. That’s price roughly $500 in journey.

Versatile flight choices

The Capital One Enterprise provides me the flexibility to make use of my miles freely. Because it’s a normal journey card, I can e book flights with whichever Capital One airline companion gives one of the best deal. For instance, I lately used my Capital One Enterprise for a visit to Thailand on Singapore Airways, which isn’t a typical occasion for me (as a lot as I’d prefer it to be).

Plus, the Capital One Enterprise pairs properly with my United℠ Explorer Card* from Chase, which I exploit for all of my United Airways purchases. Though United is nice, generally one of the best fares are with an airline that I’ll fly with solely a few times — and that’s the place the Capital One Enterprise is available in.

Journey perks

After I’m overseas, I’ll normally use my Capital One Enterprise to pay for actions, eating and procuring because it doesn’t cost international transaction charges. As compared, many playing cards cost a 3 % charge for every transaction made overseas, so a trip the place I’d spend $4,000 can add $120 in international transaction charges.

This card additionally comes with an as much as $100 credit score for International Entry or TSA PreCheck, which helps to offset the $95 annual charge.

Shopper protections

I’ve a really massive credit score restrict on my Capital One Enterprise card, and it saved my teenage daughter’s life. A few years in the past, I took her to the Dominican Republic. In the course of the journey, she all of a sudden turned very sick. I rushed her to the native hospital, however earlier than they might admit her, I needed to pay a $1,000 deposit. The ultimate invoice was properly over $5,000. Even when I had that a lot money accessible in my checking account, bank cards are a greater instrument to make use of since they embrace client protections.

Additional, this prime Capital One card comes with Eno, Capital One’s fraud monitoring program. Being within the Dominican Republic and charging that a lot was nerve-racking, however I knew my account was protected, which allowed me to focus on the vital activity of serving to my daughter recuperate.

The underside line

Ultimately, even with a $95 annual charge, my Capital One Enterprise Rewards Credit score Card is a cut price. It provides me choices, together with flat-rate rewards, versatile flights and quite a few protections. Plus, it’s straightforward to rack up miles. With so many journey rewards, I simply need to determine the place to go!

*The details about the United℠ Explorer Card has been collected independently by The cardboard particulars haven’t been reviewed or accepted by the cardboard issuer.

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