Capital One VentureOne Rewards vs. Ink Business Cash®

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Capital One VentureOne Rewards Card Capital One VentureOne Rewards Card Ink Business Cash® Card Ink Business Cash® Card
9.3MyCreditCardLab Score

MyCreditCardLab Score 9.3

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
9.4
Regular APR
9
Rewards
8.6
Benefits
9
Welcome Bonus
9
Recommended Credit Score: 9
Foreign Transaction Fee: 10
Cash Advance Fee: 9.4
Balance Transfer Fee: 9.2
8.9MyCreditCardLab Score

MyCreditCardLab Score 8.9

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
9.1
Regular APR
9
Rewards
9.3
Benefits
8.4
Welcome Bonus
9.4
Recommended Credit Score: 9.3
Foreign Transaction Fee: 7.3
Cash Advance Fee: 8.9
Balance Transfer Fee: 8.5
ANNUAL FEE
$0 $0
INTRO APR
0% intro APR on Purchases and Balance Transfers for the first 15 months. It applies to qualifying transfers. 0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-24.49% Variable APR.
REGULAR APR
19.99% - 29.99% Variable APR 18.49% - 24.49% Variable
PROS
  • 0% intro APRs
  • 20,000 miles initial bonus
  • Has a low minimum spending needed to earn the sign-up bonus.
  • No annual fee
  • No annual fee
  • 0% Intro APR period
  • Rewards don’t expire
  • Good welcome bonus
  • Earns up to 5% cash back.
CONS
  • Low rewards rate
  • Balance transfer fee
  • Requires an excellent credit score
  • Low earnings potential
  • $5 or 5% Balance transfer fee
  • 3% foreign transaction fee
  • Spending cap on bonus categories
  • Minimum 2,000 points required for a redemption
WELCOME BONUS
20,000 Miles once you spend $500 on purchases within 3 months from account opening Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
REWARDS
Capital One VentureOne Rewards Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
  • 5X miles on hotels and rental cars when you book through Capital One Travel
  • 1.25X miles on all purchases
  • Transfer your miles to your choice of 15+ travel loyalty programs
 Ink Business Cash® Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
  • You earn 5% cash back on the first $25,000 spent at office supply stores and on internet, cable and phone services. This is for each account anniversary year.
  • You earn 2% cash back. This is on the first $25,000 spent at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability, you won't be held responsible for unauthorized charges. They are made with your card or account info.
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
BENEFITS
Good transfer partners - Capital One has many transfer partners. They can take you across the globe with your miles.  Intro APR opportunity - Consumers can use it to pay off high-interest debt from another card. The low intro APR offer can save them lots of interest. No annual fee or foreign transaction fees - Using your card worldwide without an extra fee is a big plus for any traveller.  Welcome offer - People with great credit also get 0% intro APR for 15 months. This is for purchases and balance transfers. After that, the APR is variable. It is based on creditworthiness. The intro period is as good as cards like Discover It or Discover It Miles. It's also as good as Citi Custom Cash, Chase Freedom Unlimited, and more. Unfortunately, VentureOne for Good Credit applicants can't get bonus miles. They also can't get a 0% intro APR. Introductory APR - The Ink Business Cash® card typically offers an introductory 0% APR on purchases. It lasts for the first 12 months from account opening. it's helpfull for new businesses. This can help businesses make large purchases. They can pay them off over time without paying interest. Generous Cash Back Rewards - 5% cash back - Office internet, cable, and phone services. 2% cash back - gas stations and restaurants. 1% cash back - all other purchases with no limit Employee Cards at No Additional Cost - If you have multiple employees who will require additional cards issued, Business owners can issue employee cards for free. They can use the cards to easily manage and track employee spending. They can also earn rewards on their purchases. Remember, the 5% cash back category is capped at $25,000 per year across the account. It's not per authorized cardholder. Purchase Protection and Extended Warranty - The card provides purchase protection and covers new purchases against damage or theft for up to 120 days. It extends the time of the U.S. manufacturer's warranty by a year. This is for eligible warranties of 3 years or less.
CASH ADVANCE FEE / APR
29.99% variable, plus a fee of either $5 or 5% of the amount of each transaction, whichever is greater Either $15 or 5% of the amount of each transfer, whichever is greater
BALANCE TRANSFER FEE
19.99% - 29.99% variable, plus a fee of either 4% of the amount of each transfer APR: 18.49% to 24.49% Variable, Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 690 - 850 (Fair - Exceptional)
FOREIGN TRANSACTION FEE
$0 3%
BEST FOR
  • Travelers
  • Everyday Spending
  • Hotel Stays
  • Airline Miles
  • Cash Back Seekers
  • Small Business Owners
  • Everyday Spending
  • Gas and Groceries
  • Dining Out
More Details More Details

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