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Capital One Venture Card vs. Citi Double Cash Card [Detailed Comparison]

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Christine Krzyszton
Christine Krzyszton's image

Christine Krzyszton

Senior Finance Contributor

305 Published Articles

Countries Visited: 98U.S. States Visited: 45

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
Edited by: Juan Ruiz
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Juan Ruiz

Senior Editor & Content Contributor

88 Published Articles 653 Edited Articles

Countries Visited: 41U.S. States Visited: 28

Juan has extensive experience in writing and editing content related to credit cards, loyalty programs, and travel. He has been honing his expertise in this field for over a decade. His work has been ...

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No matter how many rewards-earning credit cards you have in your wallet, having a go-to card that earns double rewards on every purchase you make can deliver tremendous value.

Knowing you’re earning 2x rewards or cash-back every time you use your card also simplifies the process. No need to keep track of bonus categories or complicated rewards-earning structures, just pay and reap the resulting rewards.

Today we’ve chosen 2 popular fixed-rate reward cards that fall perfectly into the category of simplified earning. The Capital One Venture Rewards Credit Card and the Citi Double Cash® Card are examples of everyday spending cards with unlimited earnings that you’ll want to have in your wallet.

We’ll look at how the cards earn rewards, your redemption options, and talk about any benefits that come complimentary on the cards.

If you’re looking for an everyday spending card, you’ll want to read on.

Capital One Venture Card vs. Double Cash Card — Overview

Comparing cards by individual category provides useful information, but a side-by-side comparison can help bring it all together.

Here’s how our featured cards stack up when we look at the cumulation of features and benefits:

SCROLL FOR MORE
Capital One Venture Rewards Credit CardCiti Double Cash® Card
Welcome OfferEarn 75,000 miles when you spend $4,000 on purchases in the first 3 months.Earn $200 cash back after spending $1,500 in the first 6 months.
Earning Rewards
  • 5x miles on hotels and rental cars booked through Capital One Travel
  • 2x miles on other purchases
2% cash-back on all purchases; 1% when you make the purchase and 1% when you pay the bill (earned as ThankYou Points)
Redeeming Rewards
  • Transfer Capital One miles to travel partners to redeem for award flights and hotel nights
  • Redeem miles for travel via Capital One Travel (1 cent each in value)
  • Use miles to purchase gift cards, a statement credit against regular purchases, shop at Amazon, or redeem via PayPal (value will vary)
  • Cash-back
  • Redeem for travel, gift cards, or merchandise
  • Transfer to select partners (JetBlue, Choice, Wyndham)
  • Transfer to a premium card to access all of Citi’s hotel and airline partners
Travel Benefits and Protections
  • Global Entry or TSA PreCheck fee reimbursement
  • Luxury Hotel Collection benefits
  • MasterRental Insurance
  • Lost or damaged baggage reimbursement
  • Master RoadAssist
  • Travel assistance services
  • No foreign transaction fees (rates & fees)
N/A
Shopping Benefits and Protections
  • Purchase assurance
  • Capital One Offers
  • Zero liability on unauthorized purchases
  • ID theft protection
  • Free FICO score
  • Access to Citi Entertainment benefits
Introductory 0% APR on Balance TransfersN/A0% intro APR on balance transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%
Annual Fee$95 (rates & fees)$0

The Value of a Welcome Bonus

Capital One Venture Card

Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Learn More(at Capital One's secure site)

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$95
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit (670-850)

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros

  • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
  • 2x miles per $1 on all other purchases
  • Global Entry or TSA PreCheck application fee credit
  • No foreign transaction fees (rates & fees)
  • Access to Capital One transfer partners

Cons

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

Double Cash Card

Citi Double Cash® Card

Citi Double Cash® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Learn More(at our partner's secure site)

Citi Double Cash® Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
$200 cash back
$0
0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Fair to Excellent (580-850)

The Citi Double Cash® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

Pros

  • Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
  • Flexible redemption options
  • No annual fee

Cons

  • No bonus categories
  • 3% foreign transaction fees
  • Lack of premium travel benefits
  • Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Citi Double Cash® Card Travel Portal Limited Time Offer: Earn a total of 5 ThankYou Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi TravelSM portal on ThankYou.com or by calling 1-800-Thankyou and saying “Travel.” Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024.

Financial Snapshot

  • APR: 0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
  • Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Card Categories

Rewards Center

Citi ThankYou Rewards

Most rewards cards offer a welcome bonus you can earn, normally in the first months of card ownership. You must meet minimum spending requirements during this stated period of time but then reap the rewards of jumpstarting your rewards stash.

The Capital One Venture card offers a generous welcome bonus for meeting spending requirements within the first 3 months after card approval. Though we value Capital One miles at around 1.8 cents each, they can be worth much more when transferred to travel partners.

The Double Cash card usually offers a small welcome bonus.

Earning Rewards

Young woman uses her credit card to pay for gasoline at the pump
Rewards add up quickly when you use your card for everyday spending. Image Credit: Lisa F. Young via Shutterstock

We mentioned earlier that you’ll be earning double rewards on every purchase you make with our featured cards. If you prefer a card with a simple earning structure, either of these cards could fit that requirement.

And, while earning levels may seem similar, how you redeem your rewards will ultimately determine which option delivers better value for you. We’ll talk more about redemption options shortly that might help you decide whether earning miles or cash-back is the better option for you.

Here’s how you can expect to earn unlimited rewards on either of our 2 featured cards:

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Capital One Venture CardDouble Cash Card
2 Capital One miles per dollar spent on every purchase2% cash-back on every purchase: 1% when you make a purchase, plus 1% when you pay (earned as ThankYou Points)

Bottom Line: You’ll enjoy simplified earnings of either 2x Capital One miles per dollar spent or 2% cash-back per $1 spent on the Double Cash card. Both cards offer unlimited rewards earning with no cap. The better card for you, however, will depend on whether you prefer miles to cash and how you choose to redeem your rewards. 

Redeeming Rewards

JetBlue Mint Suite
JetBlue is a participating transfer partner with Citi cards. JetBlue Mint Suite. Image Credit: JetBlue

We’ve learned how you’ll earn rewards on the Capital One Venture card and the Double Cash card, but the real excitement starts when you redeem your rewards.

Let’s look at the options you’ll have at redemption time:

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Capital One Venture CardDouble Cash Card
  • Cash-back
  • Redeem for travel, gift cards, or merchandise
  • Transfer to select partners (JetBlue, Choice, Wyndham)
  • Transfer to a premium card to access all of Citi’s hotel and airline partners

Bottom Line: Both of our featured cards earn rewards that can be redeemed for travel or statement credits. However, the rewards from the Double Cash card can also be converted to cash-back. 

Travel Benefits and Protections

Capital One Venture Card

While the Double Cash card doesn’t offer travel benefits or protections, the Capital One Venture card offers several useful benefits and coverages.

Here’s a summary of what you can expect on the Capital One Venture card:

  • Global Entry or TSA PreCheck Fee Reimbursement — Pay the fee with your card and receive up to $100 in reimbursement for either fee.
  • Luxury Hotel Collection Benefits — Book your room directly through the Visa Luxury Hotel Collection and receive a complimentary room upgrade (when available), daily breakfast for 2, $25 in food and beverage credits, late checkout, free Wi-Fi, and a best rate guarantee.
  • MasterRental Insurance* – Use your card to rent an eligible vehicle and you may be covered for physical damage and theft of the rental vehicle
  • Lost or Damaged Luggage* – Reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage and personal property contained therein that is lost or
  • Master RoadAssist®* – Take advantage of 24 hour toll-free assistance to help with services like towing, gas delivery, jumpstarts, and tire changes. Customer is responsible for any and all costs incurred
  • Travel Assistance Services* – Available 24/7 to help connect you with local emergency and assistance resources when you’re away from home
  • No Foreign Transaction Fees — Foreign transaction fees can be as much as 3%. Fortunately, the Capital One Venture card does not charge these fees (rates & fees).

Bottom Line: When we look at travel benefits and protections, the Capital One Venture card comes out far ahead of the Double Cash card which offers none of these benefits. 

Shopping Benefits and Protections

Some card issuers have removed key shopping benefits and protections, but you’ll still find select coverages for eligible items purchased with your Capital One Venture card.

Here’s how our featured cards compare:

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Benefit or ProtectionCapital One Venture CardDouble Cash Card
Extended WarrantyPurchase Assurance* – Doubles the time period of your covered purchase’s original warranty, up to a maximum of twenty-four monthsN/A
Foreign Transaction FeesNone (rates & fees)3% of the total transaction
Shopping Benefits/DiscountsCapital One OffersN/A
Entertainment BenefitsAccess to events, streaming, and ticket presales

Bottom Line: While the Double Cash card offers little in the form of shopping benefits and no product protection coverages, the Capital One Venture card charges no foreign transaction fees and offers extended warranty and purchase protection on eligible items purchased with the card. 

Additional Benefits

If you have high-interest credit card balances, the Double Cash card could save you money with its introductory 0% APR on balance transfers for an 18-month period after card approval.

Balances that are transferred within the first 4 months after account opening are eligible for an introductory balance transfer fee of $5 or 3% of the amount transferred, whichever is greater. After that, the balance transfer fee is 5% or $5, whichever is greater.

There are no interest charges for the 18-month period; after that, regular APR, as shown in the table at the beginning of this article, will apply.

Minimum Qualifications

Capital One recommends an excellent credit score to qualify for the Capital One Venture card. While an excellent credit score is generally one that is 740 or more, Capital One clarifies the requirements further by stating that an applicant must “never have declared bankruptcy or defaulted on a loan, not been 60 days late on a credit card, loan, or medical bill, and has had a loan or credit card for $5,000 or more in the past 3 years.” Meeting these criteria could enable you to be approved with a 700 or more credit score.

A minimum of a good credit score is recommended for the Double Cash card. One of the leading credit bureaus, Experian, defines a good credit score as one that is 700 or above.

Credit card issuers may look at other factors including debt-to-income ratios and the number of cards you have opened, so these numbers are only guidelines. The good news is that there is a way you can find out in advance if you have card offers waiting.

The CardMatch tool is a risk-free option to find existing card offers without having to complete an application and have your credit history accessed with a hard credit pull. Preapproved or prequalified offers will be displayed after submitting minimal information. These offers do not guarantee approval but help you zero in on the cards for which you’re most likely to be approved.

Learn more about how to find preapproved or prequalified offers in our article on the topic.

Alternative Cards

If you want to avoid a high annual fee but still earn well on everyday purchases, there are dozens of card options. Here are a few cards, similar to our featured cards, that offer earnings on every purchase you make plus provide introductory 0% APR periods that can save you money on interest charges:

Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit CardTerms Apply / Rates & Fees

Capital One VentureOne Rewards Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Learn More(at Capital One's secure site)

Capital One VentureOne Rewards Credit Card

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.
20,000 miles
$360
$0
19.99% - 29.99% (Variable),0% intro on purchases for 15 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

Interested in a travel rewards credit card without one of those pesky annual fees? Then say hello to the Capital One VentureOne Rewards Credit Card.

In addition to no annual fee, the Capital One VentureOne card offers no foreign transaction fees.

But is this card worth its salt, or is it merely a shell of the more popular Capital One Venture card?

Pros

Cons

  • Weak earn rate at 1.25x miles per $1 spent on all purchases
  • No luxury travel or elite benefits
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Financial Snapshot

  • APR: 19.99% - 29.99% (Variable),0% intro on purchases for 15 months
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

The Capital One VentureOne card offers unlimited flat-rate rewards earning but without an annual fee (rates & fees).

Blue Cash Preferred® Card from American Express

HIGHEST CASH BACK
Blue Cash Preferred® Card from American ExpressTerms Apply / Rates & Fees

Blue Cash Preferred® Card from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Learn More(at Amex's secure site)

Blue Cash Preferred® Card from American Express

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$250
$0 intro annual fee for the first year, then $95.
19.24%-29.99% Variable,0% on purchases for 12 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Blue Cash Preferred® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

With bonus categories like U.S. supermarkets, select streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!

Pros

  • 6% cash-back at U.S. supermarkets (up to $6,000 per year) and on select streaming services
  • 6% cash-back on select U.S. streaming subscriptions
  • 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
  • 1% cash-back on all other purchases

Cons

  • $0 intro annual fee for the first year, then $95 annual fee (rates and fees)
  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
  • Terms Apply.

Financial Snapshot

  • APR: 19.24%-29.99% Variable,0% on purchases for 12 months
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

Rewards Center

Redeem cash-back through your American Express account

If your everyday spending includes purchases at grocery stores, gas stations, transit, and streaming services, you’ll earn well with the Amex Blue Cash Preferred card.

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Chase Freedom Unlimited®

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Learn More(at Chase's secure site)

Chase Freedom Unlimited®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • 5% back on travel purchased through Chase Travel
  • 3% back on dining and drugstore purchases
  • 1.5% back on all other purchases
  • No annual fee
  • Earn big on travel purchased through Chase Travel
  • Everyday bonus on dining and drugstores
  • Straightforward cash-back on all other purchases
  • Ability to pool points

Cons

  • 3% foreign transaction fee
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC

Financial Snapshot

  • APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

Chase Ultimate Rewards

We like the Freedom Unlimited card for everyday spending because it earns flexible, and therefore valuable, Ultimate Rewards points.

Points earned on the card have several redemption options but realize the true value when transferred to Chase premium cards. When transferring points to the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve® you can receive up to 50% more value when redeemed for travel via the Chase travel portal.

Hot Tip: If you have a large purchase or purchases coming up, selecting a card with an introductory 0% APR period on purchases can save you money on interest charges while you repay the purchase over time. In addition, some cards like the Double Cash card have introductory 0% APR periods for balance transfers that allow you to transfer high-interest credit card balances and repay over time without interest. Additional terms and fees can apply. 

Final Thoughts

It’s clear that the Capital One Venture card offers a better overall package compared to the Double Cash card. However, you can’t dismiss the strong 2x earning on every purchase you make with the Double Cash card.

Paired with a travel rewards card offering travel and shopping benefits, the Double Cash card could still find a useful slot in your wallet to ensure you’re earning at least 2x points on all purchases, regardless of category.

If you’re a frequent traveler and must pick 1 card from our featured cards, however, the Capital One Venture card could be the better fit. You’ll enjoy strong earnings, good-value travel redemption options, and useful travel and shopping benefits and protections.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

For rates and fees of the Blue Cash Preferred® Card from American Express, click here.

Frequently Asked Questions

Is the Citi Double Cash card worth it?

With strong 2x points earnings on every purchase (1x when you make the purchase, 1x when you pay) the card ensures you’ll receive double earnings without having to keep track of bonus categories or register for quarterly promotions.

In addition, the card does not charge an annual fee.

Is the Capital One Venture card worth it?

Yes, if you’re looking for a card that has simplified earnings, flexible redemption options, and plenty of travel and shopping benefits, the card is worth it.

The Capital One Venture card earns 2 miles per dollar spent on every purchase, allows you to transfer miles to travel partners for good-value travel redemption options, and comes with travel/shopping benefits that can save you money or provide protection when you need it.

The card also comes with a lower annual fee.

What are eligible purchases for the Citi Double Cash card?

Every purchase you make with the Double Cash card earns 1% when you make the purchase and 1% when you make at least the minimum required payment each statement period (earned as ThankYou Points).

Balance transfers do not earn cash-back.

What credit score is needed for the Capital One Venture card?

You are recommended to have an excellent score to qualify for the Capital One Venture card. While generally considered 740 or above, Capital One states that a successful applicant must “never have declared bankruptcy or defaulted on a loan, not been 60 days late on a credit card, loan, or medical bill, and has had a loan or credit card for $5,000 or more in the past 3 years.”

If you meet these general criteria, you may qualify with a lower score.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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