Venture® Rewards Credit Card
- 50,000 miles sign-up bonus.
- 48,000 miles for everyday spend.
Visa cardholders are eligible for many benefits just for carrying a Visa-branded card. Keep in mind that Visa itself does not issue any credit cards. Most are issued by banks, and Visa is the payment network. In addition to the benefits mentioned here, each bank will offer its own benefits and rewards that are specific to each card. Many travel benefits come standard with Visa, Visa Signature and Visa Infinite credit cards. However, these are just the icing on the cake. Additional benefits will vary by issuer and can include things like lounge access, elite status at your favorite hotel or airline perks.
There are three levels of Visa cards and each of them comes with their own benefits and perks. There are standard Visa cards, Visa Signature cards and, at the top, Visa Infinite cards. The Infinite cards are not easy to come by, but they offer unprecedented benefits for travelers seeking elite perks. Visa Infinite cards are only for those with excellent credit. They also usually carry high annual fees. Many basic Visa cards, on the other hand, have no annual fee. Sign-up bonuses and rewards will vary by issuer, but with a Visa you can expect to have access to some of the best rewards and benefits on the market.
With a sign-up bonus of 50,000 miles and the ongoing earning power of two miles for every dollar spent, there’s a good case for owning the Venture card. The $95 annual fee is waived the first year and you’ll have $460 to spend on travel once you’ve made the required $3,000 in purchases within the first three months. That makes this card a solid contender for your everyday spending. However, if you’re not going to be able to spend a minimum of $3,000 a year on the card, you would be better off selecting a card that has no annual fee.
If you travel, even semi-frequently, the Chase Sapphire Reserve is probably a safe bet. While it seems scary to sign up for a card that has a $450 annual fee, you’ll get $300 back right away as soon as you start making travel purchases because of the card’s annual travel credit. This effectively reduces the annual fee to only $150, assuming that you spent at least $300 on travel each year.
Your travels will be more enjoyable and less worrisome too, with lounge access, a Global Entry fee credit and built in travel insurance that includes primary rental car coverage.
If you’re looking for a no-fee rewards card that offers a solid sign-up bonus and hassle-free redemptions, than the the VentureOne card from Capital One is a great option. You’ll get 20,000 miles worth $200 for spending just $1,000 in 90 days, plus you’ll earn a generous 1.25 miles per dollar for every purchase.
Getting the card is a risk-free proposition because it won’t cost you a penny. Whatever miles you earn with the card are pure profit because there aren’t any fees. You can even use the card while traveling internationally, since there are no foreign transaction fees either.
If you’re looking for an easy-to-use travel rewards credit card with a solid earning scheme, decent sign-up bonus and no annual fee, then this card should be on your radar. Points will add up fast since every purchase earns a bonus, and redemptions couldn’t be easier. Just buy the travel you want from any vender and offset that cost with statement credits.
There are a few cards on the market that earn a higher fixed-rate return on spending, but not many. And those cards don’t come with a $200 sign-up bonus. If you’re already a Bank of America or Merrill customer, then this card is even more attractive. You’ll pull in an extra 10 to 75 percent in bonus points on all transactions. That bumps your earnings up to 1.65 to 2.625 points per dollar spent.
Even if you take a more nuanced approach to credit card rewards, this card could still earn a place in your wallet. You could get a few different cards that earn more than 1.5 percent back for a variety of purchase categories, but also hold a fixed-rate earner, like the Travel Rewards cards, for all purchases that don’t fall into those categories. You could pull in a lot more points, though you’ll have to decide if the extra work is worth it.
The Spark Miles Select Business credit card is a great option for the business owner who doesn’t want to spend a bunch of time thinking about credit card rewards, but still wants to earn valuable miles that can be used for travel. The Spark Miles card earns 1 miles for every dollar spent with no caps, and those miles can always be redeemed for one cent each either through Capital One’s travel portal or to erase a travel purchase as a statement credit.
When you decide to redeem your miles for a trip, take your Spark Miles card along with you because you won’t be charged foreign transaction fees on purchases made abroad. As an added bonus, the Spark Miles Select card doesn’t have an annual fee and additional employee cards are free.
The Southwest Rapid Rewards Plus card is a great choice for someone looking to quickly earn a bunch of Southwest points. The sign-up bonus of 40,000 points is enough for multiple free flights. It is also a good card for those looking to experience the other benefits of flying Southwest, such as free checked bags and no change fees.
This card is a great tool for someone who is working toward the Southwest Companion Pass. Since all points earned from spending on the card count toward the companion pass, it can significantly expedite the process of reaching the necessary 110,000 points in a year.
The Ink Business Preferred card is great for any small business owner or independent contractor who wants to quickly earn a large number of points in the Ultimate Rewards program. The 80,000 points sign-up bonus is the highest currently available for any card in Chase’s lineup.
The card will be most useful for those who can take advantage of the bonus categories. Many people will be able to get value out of the travel, phone and internet categories; however the shipping and advertising categories are more of a niche benefit. For small business owners who do a significant amount of spending in these categories, there is potential to earn a huge number of points.
The U.S. Bank Altitude Reserve card is a little different than most premium travel rewards cards, but that’s a good thing. It offers a generous sign-up bonus, good rewards for everyday spending, lounge access, an annual travel credit, a TSA PreCheck/Global Entry fee credit and more.
It basically has all of the benefits of other premium credit cards except for the ability to transfer points to airline and hotel programs. While this does take away some of the options for using points compared with those other cards, it also means that the Altitude Reserve offers simpler redemptions which will save you time and hassle when it comes time to plan your trip.
Compare all credit cards by RE® Value, which is an estimate of how much you will earn during first year of credit card use minus annual fees.
When traveling, keep your Visa card handy as it may have some hidden benefits you never knew about. As the cards go from basic to Infinite, each level has the previous level’s benefits plus additional ones. You might know about some of these benefits, but others may be surprising. Some of these benefits save money, some may save time and some may save you from a major headache.
As a Visa cardholder, you will have access to Roadside Dispatch, which is an emergency roadside assistance program. Roadside Dispatch can be accessed 24 hours a day, 7 days a week by calling their toll-free number, 1-800-VISATOW.
The service comes standard as a Visa cardholder. There is no need for you to enroll in their Roadside Dispatch program and no membership is required to receive these services. Roadside Dispatch services currently have a flat rate of $59.95, but starting October 1, 2017, it will cost $69.95.
Visa’s Roadside Dispatch services include towing for up to five miles, with option to pay more if you would like to have the vehicle towed farther. Tire changing services are available if you have an already inflated spare tire that is in good shape. Roadside Dispatch also offers jump starting and winching services, as well as fuel delivery for up to five gallons.
By using your Visa card to book a rental vehicle, you will be able to receive auto coverage for any damage that may occur as a result of a collision or theft. In order to activate Visa’s coverage, you must decline the rental company’s collision damage waiver (often abbreviated CDW) if you are offered one. This can save an average of $15 to $25 per day.
Aside from the benefits you receive as a standard Visa cardholder, there are additional benefits that come with Visa Signature cards. Visa Signature cardholders will have access to all the benefits that come with a standard Visa card, with the addition of a some extra privileges.
If you book a hotel stay with your Visa Signature card, the Visa Signature Hotels program will entitle you to receive additional benefits during your stay. Some of these perks include a best available rate guarantee, free room upgrades when available, complimentary in-room Wi-Fi when available, complimentary continental breakfast, food and beverage credits, VIP guest status and late check-out upon request.
Many eligible Visa credit cards will include travel and emergency services. These services can be accessed by contacting a multilingual call center. It is available worldwide and 24 hours a day, 365 days a year. This service is not only available to the cardholder, but also to their spouse and any dependent children under the age of 22 who are traveling with them.
The service includes pre-trip assistance, which will provide you with any necessary information regarding currency exchange rates, health precautions, immunizations, Visas and weather. Medical referral assistance is available as well.
Emergency message services are available if you need them. Eligible cardholders receive prescription assistance in the event of unexpected prescription needs, along with valuable document recovery if you lose your passport, travel visa or any other valuable documents.
With Visa’s Travel and Emergency Assistance services, you will also have access to legal referrals. This means you will be able to arrange contact with attorneys as well as U.S. embassies and consulates. You can also receive bail bond assistance, cash advances and follow-up assistance.
Additional benefits include emergency ticket replacement, lost luggage service and emergency translation service.
One thing to keep in mind about Visa’s Travel and Emergency Assistance services is that it only offers assistance. You will still be the required to pay for any additional services if they are used.
Hopefully you won’t need this coverage, but in the event of an accident, cardholders will get a minimum of $250,000 of accidental death or dismemberment insurance when they book a qualifying fare, such as an airline, bus or train ticket, and charge it to their Visa Signature credit card. This also covers the cardholder’s spouse and children under 23.
We all dread the thought of reaching our destination and seeing that baggage carousel circle and circle only to find out that our luggage is not there. If this happens after a flight that was paid for with your Visa Signature credit card, it will be covered. Visa will reimburse you for the value of the contents of your bag minus any payment you may have received from the carrier. Covers up to $3,000 per trip.
This is like having an assistant at your disposal. These services are complimentary and available 24 hours a day. They can do things like make travel arrangements, book reservations, recommend restaurants and entertainment or direct you to business services. You can call 1-800-953-7392 within the U.S. or 630-350-4551 if you are traveling internationally.
Whether you are an avid traveler or new to collecting points and miles, there are some benefits that come with Visa Infinite cards that you should be familiar with. There are only a handful of Visa Infinite credit cards available in the U.S., including the The Ritz-Carlton Rewards® Credit Card and the Chase Sapphire Reserve℠. Both of these cards are issued by Chase and have a $450 annual fee. However, if you take advantage of the benefits and rewards these cards offer, they will easily outweigh the cost.
Global Entry gives preapproved low-risk travelers expedited clearance at customs upon arrival in the U.S. When the application fee is paid with a Visa Infinite credit card you will be reimbursed $100, which is the amount of the fee. Upon approval, you also receive TSA PreCheck privileges at no extra cost.
Stuck in the airport waiting for a delayed flight? Visa Infinite cardholders receive coverage for up to $500 a day in the event that a purchased trip is delayed more than six hours or requires an overnight stay.
In addition, you can plan your upcoming vacation with confidence knowing that when you use a Visa Infinite card to book, you are guaranteed up to $2,000 per itinerary for non-refundable expenses if the trip is interrupted or canceled for an eligible reason.
Not all reasons for canceling a trip will be covered by this policy. Cancelations due to serious illness or injury are covered. When requesting reimbursement, you will be required to show proof of your reason for cancelling.
To get this benefit, you must purchase between two and five qualifying round-trip domestic coach tickets. This discount is per itinerary and not per ticket. So, you will get $100 off the entire booking, which means that five tickets will not save $500. You will save $100 total.
Note that this benefit is not available on all Visa Infinite cards. The Ritz-Carlton Rewards® Credit Card has it while the Chase Sapphire Reserve℠ does not. There is no limit to the amount of times you can use this benefit. To get the discount, you must book through visadicountair.com.