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Capital One Venture Rewards Credit Card vs. Southwest Rapid Rewards® Premier Credit Card

Get a general travel card or an airline cobranded card.

These two cards are made for individuals who travel often. With the Capital One Venture Rewards Credit Card, you earn unlimited miles on all purchases and with the Southwest Rapid Rewards® Premier Credit Card, you earn accelerated miles on Southwest Airlines purchases.

All other differences are outlined in the table below.

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Terms apply, see rates & fees

Southwest Rapid Rewards® Premier Credit Card

Southwest Rapid Rewards® Premier Credit Card

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

4.4 / 5.0

★★★★★

3.6 / 5.0
Best for
Best for
  • High unlimited mile-earning rate on all purchases
  • Earning anniversary miles
Welcome offer
Welcome offer

Enjoy 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

Limited-time offer: You’ll earn 85,000 points after you spend $3,000 on purchases in the first 3 months, plus Companion Pass® good through 2/28/25.

Rewards
Rewards

2X miles per dollar on every purchase, every day, 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel

3x points on Southwest® purchases, 2x points on local transit and commuting, including rideshare, 2x points on internet, cable, phone services, and select streaming

Purchase APR
Purchase APR

19.99% - 29.74% variable

21.49% to 28.49% variable

Annual fee
Annual fee $95 $99
Cash advance
Cash advance

APR: 29.74% variable

Fee: $5 or 5% of the transaction, whichever is greater

APR: 29.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 25 days 21 days
Minimum interest
Minimum interest $0 $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

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Compare Capital One credit cards

Megan Horner's headshot
Written by

Publisher

Megan Horner is editorial director at USA TODAY Blueprint and former head of publishing at Finder, where she lead a team focused on publishing personal finance guides and reviews that help readers make informed financial decisions. She's passionate about helping you find the best financial accounts to meet your needs — whether that's earning great rewards or improving your credit score.  Megan's expertise has been featured on Lifehacker, CreditCards.com, American Banker and news broadcasts across the country. She has a longstanding background in surfacing the best deals and helping people make decisions, including a start as a writer at a comparison website and editing credit card and credit score content at Credit Karma. She earned a degree in English and editing from Brigham Young University. See full bio

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