Apple Card vs Capital One Venture
Side-by-side comparison
| Apple Card | Capital One Venture | |
|---|---|---|
| Annual fee | No annual fee | $95 |
| Welcome offer | No current offer | 75,000 Miles |
| Dining | 2x | 2x |
| Groceries | 2x | 2x |
| Gas | 2x | 2x |
| Travel | 2x | 5x |
| Streaming | 2x | 2x |
| Everything else | 2x | 2x |
| Est. yearly rewards* | $583 | $637 |
| Points type | Cash back only | Transfers to airlines & hotels |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Apple Card earns about $583 a year in rewards and the Capital One Venture about $637, valuing every point at a flat 1 cent. The Apple Card has no annual fee, so its rewards are all profit. The Capital One Venture charges $95, but carries about $100 in annual statement credits that offset it for anyone who uses them. The two are close on value, but the Capital One Venture edges ahead by about $9 a year, mostly because it earns more where you spend most, on travel. The bigger difference is the ceiling: the Capital One Venture earns points you can move to travel partners for outsized value, while the Apple Card pays plain cash back. Favor the Capital One Venture if you will use travel transfers, the Apple Card if you want simplicity. On the sign-up bonus, the Capital One Venture currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Capital One Venture if your spending leans toward travel.