Editorial take: Capital One VentureOne
The no-fee version of Venture. The 1.25x vs 2x is a real earnings hit, so only use this if you absolutely won't pay any annual fee, otherwise Venture pays back its $95 quickly.
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Side-by-side
Capital One VentureOne vs CitiBusiness / AAdvantage Platinum Select Mastercard
Both are travel travel cards. The Capital One VentureOne comes from Capital One at $0/yr; the CitiBusiness / AAdvantage Platinum Select Mastercard from Citi at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the CitiBusiness / AAdvantage Platinum Select Mastercard is the stronger pick today, the sign-up bonus is meaningfully larger ($703 more in estimated value) than the Capital One VentureOne's. Get the CitiBusiness / AAdvantage Platinum Select Mastercard first; revisit the Capital One VentureOne after you've earned that bonus.
| Feature | Capital One VentureOne | CitiBusiness / AAdvantage Platinum Select Mastercard |
|---|---|---|
| Annual fee | $0 | $99 |
| Sign-up bonus | 20,000 miles | 65,000 miles |
| Bonus value (est.) | $370 | $1,073 |
| Min spend to unlock bonus | $500 in 3 mo | $4,000 in 4 mo |
| Issuer | Capital One | Citi |
| Card category | travel | travel |
| Best earning category (Hotels_capital_one) | 5x | 1x |
| Transfer partners | capital-one | aadvantage |
| Headline benefits |
|
Read the full review
Capital One VentureOne
$0/yr · 20,000 miles
Read the full review
CitiBusiness / AAdvantage Platinum Select Mastercard
$99/yr · 65,000 miles
Editorial take: CitiBusiness / AAdvantage Platinum Select Mastercard
Common questions
- Which card has the bigger sign-up bonus, Capital One VentureOne or CitiBusiness / AAdvantage Platinum Select Mastercard?
- The CitiBusiness / AAdvantage Platinum Select Mastercard has the bigger bonus, 65,000 miles, worth roughly $1,073, versus 20,000 miles (~$370) on the Capital One VentureOne.
- Is the Capital One VentureOne's $0 annual fee worth it compared to the CitiBusiness / AAdvantage Platinum Select Mastercard?
- The Capital One VentureOne has no annual fee, so the question is whether the CitiBusiness / AAdvantage Platinum Select Mastercard's $99 fee is justified by its perks. If you'll use enough of the CitiBusiness / AAdvantage Platinum Select Mastercard's benefits to clear $99 in value annually, it's worth it; otherwise stick with the Capital One VentureOne.
- Can I have both the Capital One VentureOne and CitiBusiness / AAdvantage Platinum Select Mastercard?
- Yes, since they're from different issuers (Capital One and Citi) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Capital One VentureOne or the CitiBusiness / AAdvantage Platinum Select Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One VentureOne: $500 spend in 3 months. CitiBusiness / AAdvantage Platinum Select Mastercard: $4,000 in 4 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.