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 Navy Federal More Rewards / Flagship Rewards
Both are travel travel cards. The Capital One VentureOne comes from Capital One at $0/yr; the Navy Federal More Rewards / Flagship Rewards from Navy Federal Credit Union at $49/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Capital One VentureOne | Navy Federal More Rewards / Flagship Rewards |
|---|---|---|
| Annual fee | $0 | $49 |
| Sign-up bonus | 20,000 miles | 35,000 bonus points (a $350 value) |
| Bonus value (est.) | $370 | $350 |
| Min spend to unlock bonus | $500 in 3 mo | $3,500 in ? mo |
| Issuer | Capital One | Navy Federal Credit Union |
| Card category | travel | travel |
| Best earning category (Hotels_capital_one) | 5x | 1x |
| Transfer partners | capital-one | None |
| Headline benefits |
|
Read the full review
Capital One VentureOne
$0/yr · 20,000 miles
Read the full review
Navy Federal More Rewards / Flagship Rewards
$49/yr · 35,000 bonus points (a $350 value)
Editorial take: Navy Federal More Rewards / Flagship Rewards
Common questions
- Which card has the bigger sign-up bonus, Capital One VentureOne or Navy Federal More Rewards / Flagship Rewards?
- The Capital One VentureOne has the bigger bonus, 20,000 miles, worth roughly $370, versus 35,000 bonus points (a $350 value) (~$350) on the Navy Federal More Rewards / Flagship Rewards.
- Is the Capital One VentureOne's $0 annual fee worth it compared to the Navy Federal More Rewards / Flagship Rewards?
- The Capital One VentureOne has no annual fee, so the question is whether the Navy Federal More Rewards / Flagship Rewards's $49 fee is justified by its perks. If you'll use enough of the Navy Federal More Rewards / Flagship Rewards's benefits to clear $49 in value annually, it's worth it; otherwise stick with the Capital One VentureOne.
- Can I have both the Capital One VentureOne and Navy Federal More Rewards / Flagship Rewards?
- Yes, since they're from different issuers (Capital One and Navy Federal Credit Union) 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 Navy Federal More Rewards / Flagship Rewards first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One VentureOne: $500 spend in 3 months. Navy Federal More Rewards / Flagship Rewards: $3,500 in ? 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.