BankAmericard® Credit Card
vs. Capital One Venture Rewards Credit Card

Updated: July 17, 2024

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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.

Credit Card logo for BankAmericard® Credit Card
BankAmericard® Credit Card
Credit Card logo for Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
MoneyGeek Rating
4.4/ of 5
MoneyGeek Rating
4.4/ of 5

  • Regular APR
    16.24% – 26.24% variable
    19.99% - 29.99% variable
    0% APR Offer
    0% intro APR for first 18 billing cycles
    Intro Offer
    Limited-time offer! Earn $250 Capital One Travel credit + 75,000 miles
    Rewards Summary
    Earn 2X -5X miles
    Balance Transfer Offer
    0% intro APR for 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
    Recommended Credit
    670-850 (Good to Excellent)
    670-850 (Good to Excellent)
    Penalty APR
    Not sure?

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.

    discount icon

    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.

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    Annual Fee: BankAmericard

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

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    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.

    coins icon

    Rewards: Venture

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

    rewards icon

    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!

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    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.

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    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.

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    Issuer Satisfaction: BankAmericard

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

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    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.


MoneyGeek evaluates 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. For a deeper understanding of our ranking process, you can explore our ranking methodology.

FAQ: BankAmericard vs. Venture

What are the main differences in rewards between the BankAmericard and Venture cards?
How do the APR offers for purchases and balance transfers compare between these two cards?
What are the annual fees for the BankAmericard and Venture cards?
Which card is better for international travel?
Can I earn a welcome bonus with either the BankAmericard or Capital One Venture card?

About Doug Milnes, CFA

Doug Milnes, CFA headshot

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.

*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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