If you spend money on Hotels.com, you might want to consider the Capital One Venture or the Capital One Venture One Credit Card. As a reminder, I typically recommend going for Chase credit cards first due to the 5/24 rule and then going for other cards.
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Analysis: Capital One Venture vs. Capital One VentureOne
- Download your own version of the spreadsheet here: http://bit.ly/2BQkK7W
- Edit the numbers in the YELLOW cells
The Capital One Venture card's $95 annual fee is waived the first year. The Capital One VentureOne card does not have an annual fee.
Put an "X" to indicate if you plan on using the miles earned on travel or cash back and gift cards.
To get the Venture signup bonus, you'll need to spend $3,000 within the first 3 months of account opening to earn 50,000 miles. Assuming you're spending the miles on travel, the signup bonus is worth $500.
The VentureOne card has a 20,000 miles signup bonus after you spend $1,000 in the first 3 months of account opening. The signup bonus is worth $200 if you redeem the miles for travel.
Important note: You must reserve your hotels through https://www.hotels.com/venture for the purchase to qualify for 10x.
For most people, it makes sense to start off with the Venture card and then product change to the VentureOne card in Year 2.
VentureOne = Venture
0.0125x = 0.02x - 95
95 = 0.0075x
x = 12,667
This is assuming you redeem miles towards travel at 1 cent per point. If you redeem for cash back, x = $25,333.
If your spend is greater than $12,667, then you should keep the Venture card after Year 1.
If your spend is less than $12,667, then you should product change to the VentureOne after Year 1.