Fine Print Bureau
Capital One Venture Rewards
Verified 2026-11-02 against Capital One's own terms page.
What it costs
- Annual fee: $95
- APR range: 19.74%–28.74%
- Foreign transaction fee: None
What you get, and what you have to do to get it
- $0 Fraud Liability (cardmember year)
- 50% Off Handcrafted Beverages (cardmember year)
- Capital One Entertainment Access (cardmember year)
- Capital One Shopping Browser Extension (cardmember year)
- CreditWise Credit Monitoring (cardmember year)
- Eno Duplicate Charge Alerts (cardmember year)
- Eno Tip Alerts (cardmember year)
- Extended Warranty Protection (cardmember year)
- Handcrafted Beverage Discount at Capital One Cafés (other)
- Hotel and Vacation Rental Stays Credit (cardmember year)
- Travel Auto Rental Collision Damage Waiver (per trip)
- Virtual Card Numbers (cardmember year)
Only benefits whose terms have cleared review are listed — a benefit the issuer advertises but that has not been verified here is omitted rather than repeated. Per-benefit values are not shown because the underlying field mixes dollars, miles, points and insurance limits without recording which. The dollar question is answered below.
What the fee costs you regardless of use
The $95 annual fee is charged whether or not you use any of the benefits above. Against it, our Fee Reality model estimates $18 of credit value actually realized by a typical cardholder, out of $50 of advertised face value.
Modeled, confidence grade C — not a measurement of your own redemptions. See the Fee Reality Check for the credit-by-credit breakdown.
Date verified and source
Verified 2026-11-02 directly against the issuer's published terms: View Capital One's official terms page
Every figure above traces to a source-evidence row reviewed against the issuer's own terms page — not an aggregator. See the Fine Print Bureau methodology.