BankAmericard vs. Venture Credit Card Comparison

Q: How do the APR offers for purchases and balance transfers compare between these two cards?

BankAmericard offers 0% APR for 18 billing cycles , whereas the Venture does not have an intro APR offer.

Q: What are the annual fees for the BankAmericard and Venture cards?

BankAmericard is a no-annual-fee card , whereas Capital One Venture has a $95 annual fee.

Q: Can I earn a welcome bonus with either the BankAmericard or Capital One Venture card?

Only the Venture offers a welcome bonus , with the potential to earn 75,000 miles.

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Both the BankAmericard® Credit Card and the Capital One Venture Rewards Credit Card offer appealing benefits if you have good to excellent credit, but they cater to different needs. The BankAmericard stands out for its lengthy 0% APR introductory period on purchases and balance transfers, making it a strong contender for those looking to manage existing debt.

On the other hand, the Venture is a clear winner for frequent travelers seeking to earn unlimited miles and enjoy travel perks. While the BankAmericard doesn't offer a rewards program, its absence of an annual fee and balance transfer capabilities still make it a card worth considering if you’re focused on debt consolidation or avoiding extra costs.

BankAmericard® Credit Card

Capital One Venture Rewards Credit Card

MoneyGeek Rating

4.4/ of 5

Rates & Fees

REVIEW & APPLY

On Issuer's Site

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On Issuer's Site

Regular APR
15.74% - 25.74% variable
19.99% - 29.49% variable
0% APR Offer
0% for the first 18 billing cycles
-
Intro Offer
-
Earn 75,000 miles
Rewards Summary
-
Earn 2X – 5X miles
Balance Transfer Offer
0% for the first 18 billing cycles
-
Balance Transfer Fee
3% of the amount of each transaction
4% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
Annual Fee
$0
$95
Recommended Credit
670-850 (good to excellent)
670-850 (Good to Excellent)
Penalty APR
None
-
Not sure?
The BankAmericard is tailored for you if you’re seeking to avoid interest on purchases and balance transfers with its 0% intro APR for 18 billing cycles and no annual fee. By contrast, the Venture is suited for frequent travelers looking to earn miles, offering 5X miles on bookings through Capital One Travel and a variety of redemption options, albeit with a $95 annual fee.
If your priority is saving on interest and fees, the BankAmericard may be the better choice, while the Venture is preferable for earning travel rewards.

Which Card Is Better for You?

You might prefer the BankAmericard if you're seeking a card with no annual fee and an extensive introductory 0% APR offer on purchases and balance transfers. This card is well-suited if you’re looking to consolidate debt or finance a large purchase up front without accruing interest for the first 18 billing cycles.

You might prefer the Venture if you're a frequent traveler interested in earning rewards on every purchase. With the ability to earn miles on every dollar spent and no foreign transaction fees, this card is ideal if you want to maximize their spending power on travel and everyday purchases, despite the $95 annual fee.

Head-to-Head Comparison: Card Details and Features

Evaluating features like APRs, fees, credit requirements, rewards and introductory offers will clarify which card is for you. For instance, if avoiding annual fees is a priority, the BankAmericard stands out, whereas Venture rewards everyday spending.

Regular APR: BankAmericard

If you’re prioritizing lower interest rates, the BankAmericard offers a more favorable regular APR range of 16.24% to 26.24% variable than the Venture's 19.99% to 29.99% variable.

Annual Fee: BankAmericard

The BankAmericard is has no annual fee, whereas the Venture charges $95 annually.

Introductory 0% APRs: BankAmericard

The BankAmericard is the clear winner, offering 0% intro APR for the first 18 billing cycles for both purchases and balance transfers, whereas the Venture does not provide an introductory 0% APR offer.

Rewards: Venture

The Venture outshines the BankAmericard in terms of rewards, offering 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel., and 2X miles per dollar on all other purchases. It also has no expiration on miles and no cap on earnings.

Welcome Offers: Venture

The Venture is better for welcome offers, providing a limited-time offer for new cardholders the opportunity to earn 75,000 miles after spending $4,000 on purchases within the first three months from account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year - that's equal to $1,000 in travel!

Recommended Credit Score: Tie

Both the BankAmericard and Venture cater to individuals with credit scores ranging from 670 to 850, indicating a tie in accessibility for consumers with good to excellent credit.

Penalties and Fees: Venture

Both cards impose up to $40 for late payments. But the Venture stands out by not charging foreign transaction fees, unlike the BankAmericard, which charges 3%. Cash advance fees are slightly different, with Venture charging either $5 or 5%, whichever is greater.

Issuer Satisfaction: BankAmericard

Bank of America leads with an issuer satisfaction rating of 4.5, compared with Capital One’s 4.2.

Other Features & Perks: Venture

The Venture outshines with its array of perks, including travel credits, lounge access and enhanced hotel benefits, making it superior if you're seeking travel and luxury perks. The BankAmericard offers no perks beyond standard rates and features.

Methodology

MoneyGeek assesses credit cards like BankAmericard and Venture through a ranking process that considers multiple use cases. For this comparison, each card is assessed in the context of balance transfers, the category where they score highest. The largest factors influencing their scores include the quality of balance transfer offers and the introductory APR terms on purchases.

FAQ: BankAmericard vs. Venture

What are the main differences in rewards between the BankAmericard and Venture cards?

BankAmericard does not offer a rewards program, while the Venture is a rewards card that offers 2X miles on every purchase.

How do the APR offers for purchases and balance transfers compare between these two cards?

BankAmericard offers 0% APR for 18 billing cycles, whereas the Venture does not have an intro APR offer.

What are the annual fees for the BankAmericard and Venture cards?

BankAmericard is a no-annual-fee card, whereas Capital One Venture has a $95 annual fee.

Which card is better for international travel?

The Venture is better for international travel because it is a no-foreign-transaction-fee card.

Can I earn a welcome bonus with either the BankAmericard or Capital One Venture card?

Only the Venture offers a welcome bonus, with the potential to earn 75,000 miles.

About Doug Milnes, CFA

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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BankAmericard® Credit Card vs. Capital One Venture Rewards Credit Card