Head-to-head · 🇺🇸 United States
Capital One Venture vs Apple Card
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Capital One
Capital One Venture
VISA
Wins 2 of 10
US
Goldman Sachs / Apple
Apple Card
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Capital One Venture | Apple Card |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 3% (shopping) |
| Base reward rate | 2% | · 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 75,000 miles after $4,000 in first 3 months (~$750 in travel) | = No welcome bonus — daily cashback model |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 660 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
Benefits compared
Capital One Venture
- 2x miles on every purchase
- 5x miles on hotels and rental cars booked via Capital One Travel
- Up to $100 credit for Global Entry/TSA PreCheck
- Transfer miles to 15+ airline/hotel partners
- No foreign transaction fees
- Two complimentary visits/year to Capital One Lounges
Apple Card
- 3% Daily Cash on Apple purchases + select merchants (Uber, Walgreens, T-Mobile)
- 2% Daily Cash on all Apple Pay transactions
- 1% Daily Cash on physical-card purchases
- No annual fee, no foreign transaction fee, no late fees
- High-yield savings account at 4.4% APY
- Privacy-first: no purchase data sold
FAQ
›Capital One Venture vs Apple Card: which is better?
It's a true tie — pick the one whose boost categories match your spend. Capital One Venture wins on 2 criteria, Apple Card on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Capital One Venture for its best categories, Apple Card for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Venture: 75,000 miles after $4,000 in first 3 months (~$750 in travel). Apple Card: No welcome bonus — daily cashback model.