Citi Double Cash vs Capital One Venture
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Citi Double Cash wins 3-2. Set-it-and-forget-it 2% on everything Capital One Venture is still the right call if simple travel earn — 2x on every dollar, no categories to track.
Side-by-side
| Criterion | Citi Double Cash | Capital One Venture |
|---|---|---|
| Annual fee | No annual fee | · $95 |
| Joining fee | = None | = None |
| Top reward rate | · 2% (general) | 5% (travel) |
| Base reward rate | = 2% | = 2% |
| Forex markup | · 3% | No FX fee |
| Welcome bonus | = $200 cash back after spending $1,500 in first 6 months | = 75,000 miles after $4,000 in first 3 months (~$750 in travel) |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 700 |
| Editorial rating | 4.5/5 | · 4.4/5 |
Benefits compared
Citi Double Cash
- 1% cash back when you buy + 1% when you pay
- No annual fee
- No category restrictions or rotating bonuses
- 0% intro APR on balance transfers for 18 months
- Convert cash back to ThankYou Points (transferable to airline partners)
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
FAQ
›Citi Double Cash vs Capital One Venture: which is better?
Citi Double Cash wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Citi Double Cash for its best categories, Capital One Venture for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Citi Double Cash: $200 cash back after spending $1,500 in first 6 months. Capital One Venture: 75,000 miles after $4,000 in first 3 months (~$750 in travel).