2017 Comparison Review: Capital One Venture Credit Card, Capital One VentureOne®, Platinum Delta SkyMiles® Credit Card, and Wells Fargo Visa Signature® Card
With so many excellent credit card offers available, it can be difficult to find the best credit card to meet your needs. At first glance, many credit card offers seem to be very similar. In reality, their terms, fees, APR, rewards, and benefits can vary greatly.
This guide will bring together four popular credit cards to compare: Capital One Venture card, Capital One VentureOne®, Platinum Delta SkyMiles® Credit Card, and Wells Fargo Visa Signature® Card. All four of these cards offer excellent rewards and benefits to their customers, but their programs and terms differ.
Interestingly, even the Capital One Venture rewards and benefits differ from the Capital One VentureOne® card rewards and benefits. Both were made to benefit travelers with miles rewards, but they differ in bonuses, fees, and APR.
Although these four cards all offer travel rewards, the Wells Fargo Visa Signature® Card is the only one to offer a points reward system that you can redeem for travel rewards or merchandise from its rewards mall.
This guide will compare similarities and differences between these four credit cards so you can choose which one is best for your needs.
We will include comparisons of interest rates, rewards, benefits, and fees for a comprehensive look at how Capital One Venture rewards stack up against Wells Fargo Visa Signature®, Capital One VentureOne®, and Delta SkyMiles® Platinum benefits.
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How to Choose the Right Credit Card for You
As we compare our Capital One Venture card review to our reviews of the Capital One VentureOne® card, Wells Fargo Visa Signature®, and Platinum Delta SkyMiles® credit card, consider your personal credit needs.
Are you more interested in an excellent, competitive interest rate than annual or balance transfer fees? Or, since you are considering travel rewards credit cards, are your rewards or miles the most important factor for your final choice?
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Not all travel rewards cards offer the same benefits or rewards. Consider the following when choosing the best travel rewards credit card:
- Foreign Transaction Fees. If you are searching for a travel rewards card, it is likely that you travel frequently. Therefore, look for a card with low or no foreign transaction fees. A 3% fee is common for credit cards, but can add up to a lot if you use your card frequently during travel. The Capital One Venture Card, Capital One VentureOne®, and Delta SkyMiles® Credit Card have no foreign transaction fees.
- Rewards Rate & Redemption. Check the rate of rewards and how you can redeem them before settling on a credit card. While some cards offer a dollar-per-point ratio, other cards are much lower.
The Wells Fargo Visa Signature® Card, for example, has a reward rate of $1 per 100 points for cash redemption or $1.50 for airfare redemption. The Capital One Venture card and Capital One VentureOne® give you 2 and 1.25 miles, respectively, per dollar you spend. Delta SkyMiles® Platinum benefits will give you 1 mile per $1 spent, or 2 miles per $1 spent with Delta.
- Introductory Rate/Sign-up Bonus. Many of the best credit cards offer introductory interest rates or sign-up bonuses to encourage new customers to apply. These promotions and bonuses can help you save money in your first year of being a customer.
The Delta SkyMiles® credit card, Capital One Venture card, Capital One VentureOne® card, and the Wells Fargo Visa Signature® credit card all offer either bonus miles or points for meeting a minimum purchase amount within the first three months of your account opening.
- Additional Benefits. To get the most out of your Venture Capital credit card, Wells Fargo card, or Delta card, you should consider the additional benefits offered by each card.
Capital One Venture card benefits, for example, include fraud coverage, security alerts, travel protection, complimentary concierge service, and more. The Venture Capital credit card also offers rewards that do not expire, and they are redeemable as a statement credit for easy use toward your purchase of airfare.
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Comparison Review List
The list below is sorted alphabetically:
- Platinum Delta SkyMiles® Credit Card
- Venture From Capital One
- VentureOne® From Capital One
- Wells Fargo Visa Signature® Card
High Level Comparison Table
| Comparison Factors | Platinum Delta SkyMiles® Credit Card | Venture From Capital One | VentureOne® From Capital One | Wells Fargo Visa Signature® Card |
| Introductory APR | None | None | 0%, 12 | 0%, 15 months |
| Regular APR | 15.99% – 24.99% | 13.24% – 23.24% | 12.24% – 22.24% | 12.40% – 26.24% |
| Annual Fee | $195 | $59 | None | None |
| Foreign Transaction Fee | None | None | None | 3.00% |
| Reward Type | Miles | Miles | Miles | Points |
| Credit Needed | Fair to Excellent | Excellent | Excellent | Fair to Excellent |
Table: The above list is sorted alphabetically
Comparison: Interest Rates
Capital One VentureOne® and Wells Fargo Visa Signature® Card both offer an introductory APR of 0% for a specific term. Capital One VentureOne offers no interest for 12 months, whereas Wells Fargo offers no interest for 15 months. The Capital One Venture credit card and Delta SkyMiles credit card do not offer introductory APRs.
Introductory APRs from Capital One VentureOne® and the Wells Fargo Visa Signature® credit card can help you avoid a year or more of interest on your purchases if you are diligent in paying your balance off each month.
Interest rates for each card depend on creditworthiness, so they each have a low to high range for possible APR. Wells Fargo and Capital One VentureOne credit card offer the lowest possible interest rates out of the four cards, at 12.40% and 12.24%, respectively.
However, creditworthy applicants can still receive competitive interest rates from the Capital One Venture card and the Platinum Delta SkyMiles® credit card, with 13.24% and 15.99%, respectively.
With their introductory APRs and low APR for creditworthy customers, Wells Fargo and Capital One VentureOne® have an edge over Capital One Venture card benefits and Delta SkyMiles® Platinum benefits.
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Comparison: Annual, Balance Transfer, Penalty, and Other Fees
When credit cards offer excellent benefits, rewards, and interest rates, it is important to look at the fees associated with the card. Cards with reward programs sometimes tack on high annual fees or balance transfer fees that can counteract the reward benefits.
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Such is the case with the Delta SkyMiles credit card, with its $195 annual fee. Although the Delta SkyMiles credit card from American Express offers excellent rewards that translate to airline miles, some may see the high annual fee as too much to pay every year to receive those benefits. The Delta SkyMiles credit card also has a penalty APR of 29.49% if you make a late payment or your payment is returned.
A Capital One Venture card review of its terms also shows a $59 annual fee. The Capital One Venture rewards program also offers several benefits, but its annual fee and penalty fee of up to $35 for a late payment may also deter applicants. However, Capital One does offer a $0 annual fee for the first year after opening an account for the Capital One Venture card.
Wells Fargo Visa Signature® and Capital One VentureOne® both have no annual fees. They do, however, enact penalties for late payments or returned payments. Wells Fargo’s fee is up to $37, and Capital One VentureOne® charges a fee of up to $35.
As for foreign transaction fees, the Delta SkyMiles® credit card, Capital One Venture credit card, and VentureOne® do not charge any. Wells Fargo does, however, have a Foreign Currency Conversion Fee of 3% of each transaction converted to U.S. dollars.
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Comparison: Rewards
All four of the credit cards in this comparison guide are best for people who travel. They offer rewards for people while they travel and/or for purchases.
A Capital One Venture card review of its rewards program shows that it provides you with 2x travel miles for every dollar you spend on purchases. Each reward mile equates to about 10 cents in Capital One Venture rewards for travel. The Capital One Venture credit card also gives its customers a one-time bonus of 40,000 miles when you spend at least $3,000 in the first three months.
Like the Venture Capital credit card, the VentureOne® is similar in its rewards, but with different bonuses. VentureOne® provides reward miles for purchases, with 1.25x miles for every dollar spent.
Like Capital One Venture card benefits, one mile equates to 10 cents in travel rewards. However, the VentureOne® card offers a bonus half of the Capital One Venture rewards offer: 20,000 bonus miles. But, you only have to spend $1,000 in your first three months.
Wells Fargo Visa Signature® offers reward miles for purchases as well. You will receive 15,000 bonus points if you spend at least $1,000 in the first three months. You will also receive 5x points on gas, grocery, and drugstore purchases for six months, with 1x points thereafter, and 1x points on most other purchases.
Points earned with the Wells Fargo Visa Signature® card will expire after five years, and you can redeem them for a variety of rewards, although they have 50% more value when redeemed for airfare.
The Platinum Delta SkyMiles® credit card offers excellent rewards for travelers, making it one of the best for those who travel frequently. With this card, you can enjoy a bonus of 35,000 miles when you spend $1,000 or more in your first three months. You can also earn a statement credit of $100 if you make a purchase with Delta within this timeframe.
You will also receive 2 SkyMiles for every dollar spent with Delta, and 1 SkyMile per dollar spent elsewhere. If you spend $25,000 or more with your card in a calendar year, you are eligible for 10,000 bonus miles. Your Delta SkyMiles® credit card rewards miles can be redeemed for flights to over 1,000 locations.
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Comparison: Benefits
Each of these cards also offers excellent benefits as bonus values to their cardholders. From fraud protection to travel benefits, these four cards are comparable with their offerings.
The Capital One Venture rewards card, for example, offers fraud coverage, giving you zero liability if your card is lost or stolen. The Capital One Venture card also provides travel protection up to $1,500 if your trip is cancelled or you have to shorten it due to emergency.
Additionally, you can benefit from Capital One Venture rewards like complimentary concierge service, travel upgrades, extended warranties, and identity theft services. VentureOne® offers the same Capital One Venture rewards card benefits. You can also use both cards with Apple Pay for added convenience.
Like the Capital One Venture rewards card, Wells Fargo Visa Signature® offers a complimentary concierge service for its cardholders. You can also enjoy trip cancellation and lost luggage reimbursement, travel accident insurance, 24/7 emergency roadside assistance, and more.
Delta SkyMiles® Platinum benefits are, perhaps, the most comprehensive, covering everything from fraud to accidental damage to your purchases. You’ll also be eligible for advanced ticket purchases for cardmember-only events, refunds on return purchases, and extended warranties.
Conclusion: Capital One Venture Card vs Platinum Delta SkyMiles® Credit Card vs Capital One VentureOne® vs Wells Fargo Visa Signature®
The Capital One Venture card and VentureOne®, the Delta SkyMiles® credit card, and the Wells Fargo Visa Signature® all offer excellent rewards and benefits to frequent travelers. However, it is important to consider how Capital One Venture rewards, and the other rewards cards, will work best for you before applying.
The Capital One Venture card and Wells Fargo Visa Signature® both offer the lowest interest rates and introductory APRs. They also have no annual fees. The Capital One Venture rewards are also some of the best for travelers, with 40,000 bonus miles available within your first three months and 2x miles for every dollar spent.
Like the Capital One Venture card, the Delta SkyMiles® credit card offers several benefits and rewards for travelers, like several ways to earn miles, and extra value for miles when spent on Delta flights. However, Delta SkyMiles® has an annual fee of $195, which may not be worth the cost for infrequent travelers.
Before deciding if the Capital One Venture card or another rewards card is the best choice for you, consider the fees you are willing to pay, your current credit score, and the types of rewards and benefits you would like to have. These four cards are comparable in many ways but offer slight differences for different types of travelers and purchases.
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