Capital One VentureOne Rewards Credit Card vs. JetBlue Plus Card
Read our comparative review of the VentureOne and JetBlue Plus cards to learn which card is more rewarding for its users and which you should have in your wallet.
JetBlue Plus lets you earn and enjoy more rewards than VentureOne
Even if you're not a globe-trotting, plastic-wielding big spender, there's a chance you've heard of both JetBlue and Capital One.
Both companies offer seriously appealing rewards credit cards that allow you to rack up points and travel perks.
But the JetBlue Plus has a higher rewards rate: Cardholders earn six points for every dollar spent on JetBlue flights, two points at grocery stores and restaurants, and one point on all other purchases.
And with its high sign-up and yearly bonus points, there's practically no end to the rewards you can earn with the JetBlue Plus.
Why You Should Consider These Rewards Cards
Consider these cards if you travel a fair amount
If you're someone who travels quite a decent amount every year—or wants incentives to do it more often—and have "Good" to "Excellent" credit, then you may be a good candidate for the JetBlue Plus and VentureOne credit cards.
- Are you someone who travels more than twice a year?
- Are you looking for incentives to travel more often?
- Do you spend more than $500 on travel per year?
If so, then these travel rewards cards deserve a spot in your wallet.
You're the ideal JetBlue Plus candidate if you fly JetBlue more than once a year
- Do you live near a major hub for JetBlue?
- Do you have an "Excellent" credit score (720 or higher)?
- Do you spend a decent chunk of your budget on food-related purchases?
If so, the JetBlue Plus card is a smart choice for you.
You're the perfect VentureOne customer if you value freedom
- When traveling, do you like the freedom to choose different airlines and hotels?
- Do you want a card that rewards you even for everyday grocery shopping?
- Do you intend to regularly pay off your balance in full each month?
If so, the VentureOne card may be a solid choice for you.
The Winner's Strengths
Higher earning potential makes the JetBlue Plus a better option than the VentureOne, especially if you fly with JetBlue
The Capital One VentureOne card and the JetBlue Plus card are two of the better options on the market in terms of travel rewards credit cards.
If you're looking for a rewards card in several categories and fly JetBlue at least once a year, then the JetBlue Plus is the perfect addition to your wallet.
However, if you live near a city that has limited JetBlue destination options, then the card may not be the best option for you.
Luckily, the VentureOne is a fairly good alternative if the JetBlue card doesn't work for you.
The VentureOne card is a solid option for anyone looking to rack up points on everyday purchases without the hassle of keeping track of rotating categories like those featured on other similar cards.
It's also a ideal for those looking to redeem the points they earn with a bit more freedom.
All-in-all, both cards have major upsides with some minor caveats.
At the end of the day, despite its annual fee and loyalty-based rewards structure, the JetBlue Plus card comes out as much more appealing than the VentureOne card.
Barclaycard, which issues the JetBlue Plus card, ups the earning potential on the card with its six- and two-points-per-dollar categories.
While the six-points-per-dollar category is reserved for JetBlue-related purchases, a single round-trip flight purchase could net you some serious points.
And the two-point category is reserved for food-related purchases, which probably eats a big chunk of your monthly budget—meaning those points won't take time to accumulate.
Then there's a very attractive sign-up bonus, yearly bonus points, and in-flight rewards for cardholders.
Conversely, VentureOne has pretty limited rewards potential, offering just 1.25 miles per dollar spent, which is a rate below those of other travel rewards cards.
People love the JetBlue card because it comes with more bonuses and earning potential
The make-or-break aspect of any rewards card is how it answers the question: "How far will my dollars go?"
If you can't justify using the card for a significant amount of purchases, then why have it in your wallet at all?
While both cards offer good arguments for being your go-to rewards card, the JetBlue Plus offers way more incentives than the VentureOne card.
JetBlue Plus comes with more lucrative bonuses. Both cards come with an enticing sign-up bonus, and both require you to spend $1,000 in the first 90 days of opening your account.
But for that $1,000 you eagerly spent, JetBlue Plus will reward you with 30,000 bonus points, compared to the 20,000 you would earn with the VentureOne.
JetBlue Points are valued at around 1.3 cents.
That means that 30,000 bonus would equal $360.
While that's only a one-time sign-up bonus, JetBlue Plus comes with a yearly 5,000 bonus points just for keeping your account open—which equates to $65.
That yearly bonus already covers two-thirds of the $99 annual fee.
JetBlue Plus has a way higher earning potential. While on the surface the VentureOne's 1.25 miles per dollar spent may seem great, it pales in comparison to JetBlue Plus's earning potential.
JetBlue Plus has a staggered category system:
- 6 points per dollar spent on JetBlue purchases
- 2 points per dollar spent at restaurants and grocery stores
- 1 point per dollar spent on all other purchases
Let's look at how that plays out in the real world.
Say, in one month, you spent $300 on a round-trip flight, $350 on groceries (the U.S. average), and $500 on everything else.
Assuming you used your VentureOne card for all purchases, you'd earn 1,437.5 airline miles.
Now, compare that to the JetBlue Plus.
Assuming the flight purchased was operated by JetBlue, you'd earn 1,800 points for the flight alone, and a total of 3,000 points in one month.
That's twice as many rewards!
One downside: The JetBlue Plus is more of a loyalty-based card
Since the JetBlue Plus card's highest points category is the six-points-per-dollar spent on JetBlue flights, it's not the best option on the market for those who live outside JetBlue's major markets like New York.
Those outside JetBlue hot spots may want to consider other travel rewards cards, such as the Gold Delta SkyMiles Credit Card from American Express.
This popular card issued by American Express will earn you two points on all Delta flights and one point on all other purchases.
It also comes with the same 30,000 bonus miles sign up offer (plus a $50 statement credit after spending $1,000 in the first three months) and a similar annual fee weighing in at $95.
Yes, VentureOne has a lower earn rate, but it offers more freedom
One thing that makes the VentureOne card more appealing is the freedom in redeeming points, as you can book any airline or hotel of your choosing.
Unlike most travel rewards cards, VentureOne isn't connected to any specific airline or hotel chain.
Capital One allows cardholders to redeem points from any airline or hotel, giving users a lot more flexibility and fewer headaches when trying to book potential flights and rooms.
This aspect makes it a bit more appealing than the JetBlue Plus card to anyone outside of major travel centers like Los Angeles and New York.
Also, VentureOne allows cardholders to redeem points in other ways, either through statement credits or via checks.
But expect your points to be at least halved in these transactions.
People love the Capital One Venture card because of its flexibility
What the VentureOne travel credit card may lack in earning potential, it makes up for in terms of usage.
You can use your VentureOne card to make travel purchases on any website or app and for any airline, any hotel, rental cars and more.
And, since your Venture rewards points can be redeemed as statement credits, you're not limited as you would be with the JetBlue Plus card.
Capital One also offers another, more lucrative travel rewards credit card: the Venture card.
The Venture card offers 2x points for each dollar spent on all purchases (though offset a bit by its $95 annual fee), making it more appealing than the VentureOne card.
But…Venture rewards points aren't worth as much
As mentioned earlier, JetBlue points are worth roughly 1.3 cents each.
Each Venture rewards point, on the other hand, has a redemption value of 1 cent when redeeming for travel.
That may not seem like a staggering difference, but it matters when redeeming rewards points.
Say you want to use your points to book a $390 flight.
With the JetBlue Plus card, you'd need to redeem just 30,000 points (30,000 x .013=390) to get that flight. But, with the VentureOne card, you'll be using up almost 35% more points—39,000 points (39,000 x .01=390).
How the Capital One card stacks up against the JetBlue Plus:
|Capital One VentureOne||JetBlue Plus Card|
|How high of a credit score do you need?||>690||>720|
|Average APR?||13.24%, 18.24% or 23.24%, based on creditworthiness||13.24%, 21.24% or 26.24% Variable APR|
|How big of a sign-up bonus do you get?||20,000 miles||30,000 bonus points|
|How much do you need to spend to get the bonus?||$1,000 within the first 3 months||$1,000 within 3 months|
|How many points do you get for every dollar?||1.25 miles||6 points for JetBlue purchases; 2 points at restaurants and grocery stores; and 1 point on all other purchases|
|If you spent $100 on the card, then how much would the points be worth in dollars?||$1 in travel; varies for other redemption options||Since TrueBlue points equate to 1.3 cents: $7.80 for JetBlue purchases (600 points x .013); $2.60 for food purchases (200 points x .013); $1.30 on all other purchases (100 points x .013)|
|How much would you need to spend on the card to make up for the fees (excluding APR/rates)?||N/A||With points valued at 1.3 cents, you'd need to earn 7,615 points to offset the $99 fee (7,615 x .013=99). But with a yearly bonus of 5,000 points, you only need to earn 2,615, for which you'd need to spend $435.83 on JetBlue flights (2,615 divided by 6=435.83).|
Bonuses and Benefits
In terms of benefits, the JetBlue Plus still wins and is head and shoulders above the VentureOne card, offering attractive yearly bonuses and extra savings opportunities.
JetBlue Plus comes with all the travel benefits you'd expect an airline loyalty card to offer
Rewards structure and sign-up bonus aside, the JetBlue Plus card has a host of other attractive incentives.
Get rewarded for every anniversary. For one, you'll receive 5,000 bonus points each year just for keeping your account open.
Save on purchases. Then there are travel-related perks, like 50% discounts on in-flight purchases (like cocktails and food) and the primary cardmember's first checked bag is free.
Earn more by spending more. If you spend $50,000 or more in a given year on your card, you can earn a year of TrueBlue Mosaic benefits.
This includes additional free checked bags, no cancellation or change fees on JetBlue flights, early boarding, and more.
JetBlue also offers a $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus card.
VentureOne's benefits are limited to those offered by Visa
After the one-time sign-up bonus, the bonuses are pretty limited, aside from those available to every other Visa credit card holder.
Get upgraded. VentureOne gives cardholders complimentary upgrades and special savings at hotels, resorts, and spas through the Visa Signature card program.
Enjoy discounted shopping splurges. Again through the Visa Signature card program, the VentureOne affords cardholders special discounts from selected retailers and online merchants.
Costs and Fees
True to their purpose as travel rewards cards, neither card charges foreign transaction fees, which is great news.
But, there are some key difference between fees on both cards.
JetBlue Plus is weighed down by some hefty fees
The annual fee is a problem, to an extent.On the surface, it seems the VentureOne card trumps the JetBlue Plus card when it comes to the annual fee.
That's because the VentureOne card has no annual fee attached to it, while the JetBlue Plus has a $99 annual fee.
But, you have to look a bit deeper.
Overall, you'd need to earn 7,615 points to offset the annual fee on the JetBlue Card.
Consider, though, that you're receiving 5,000 bonus points every year.
That brings down the target to just 2,615 points.
Taking its rewards points system into account means you only have to spend $453 on JetBlue flights each year to offset that cost.
Spending that amount is par-for-the-course for any frequent flyer.
So, all told, it's not all that big of a deal.
Beware of high APRs.Both cards have similar staggered purchase APRs.
The JetBlue Plus comes with a 13.24%, 21.24%, or 26.24% variable APR, depending on your credit history.
The JetBlue Plus card also comes with a slightly higher cash-advance APR than VentureOne: 26.49% compared to 24.24%, respectively.
The VentureOne comes with somewhat lower fees and interest
Slightly lower APRs. The VentureOne, which also offers 0% APR on purchases for the first year, has slightly lower APR categories: 13.24–23.24%.
A misleading bonus offer. In terms of transfer APRs, the JetBlue Plus offers a 0% APR on transfers for 12 billing cycles following each balance transfer that posts to account within 45 days of account opening.
That may be about two months longer than average, but it's not the greatest offer.
Dozens of other cards offer 0% on transfers for at least as long, and the JetBlue Plus card also charges a 3% balance-transfer fee—something most other cards do not.
Like most big-time financial firms, the customer service is pretty standard for both Capital One and Barclaycard (JetBlue's card issuer) customers.
I, for one, believe that business should be personal, and one way companies can make it so is by stepping up their customer service game.
In our case, tens of thousands visit CreditLoan everyday, and that gives us a chance to touch and change some of their lives for the better.
Frequent JetBlue fliers have a better experience
If you fly JetBlue often and reap the rewards of the card's in-flight savings and offers, you'll like the service the card provides you.
Other than that, there's nothing that shines about the 24/7 service offered through Barclaycard.
What's more, the service is often ripped by current customers.
WORST CUSTOMER SERVICE EVER
Capital One customers don't love the customer service either
Capital One also offers complimentary 24/7 customer service.
But beware of the lackluster service prior to dialing in.
I found the customer service to be lacking. It was frustrating sometimes [not] getting someone on the phone who knew what my problems were and could help me
Key Digital Services
Like all things these days, both the VentureOne and JetBlue cards come with a package of digital features.
You can access your accounts on either the Capital One or Barclaycard websites, which is standard with pretty much all credit cards.
Track your account anytime through Barclaycard's app
Barclaycard offers JetBlue Plus cardholders a mobile app for the iPhone, Android, Apple Watch, and iPad that allows customers to manage their accounts from anywhere, anytime.
You can pay your bills, view your balance and transactions, redeem rewards, and track your credit score for free.
Book your travel straight through Capital One's website
Capital One partners with Orbitz, which allows you to easily book trips through the Capital One website.
You can also redeem miles with the Capital One Purchase Eraser.
Simply click "Redeem Miles" and the Capital One Travel Eraser will apply your miles (however many you choose to redeem) and you'll be reimbursed for your travel costs.
How can I get started with both cards?
If you're interested in the JetBlue Plus card by Barclaycard, simplyhead to the credit card issuer's website to apply.
You should get a response within seconds.
To get started with the VentureOne card, head to the Capital One website to fill out an application.
What credit score do I need to be approved?
Both cards require "Excellent" credit scores in order to obtain approval.
Those looking to get the VentureOne card will need a credit score of at least 690, while the JetBlue Plus card has a floor of 720.
By the way, in case you need to nudge on that credit score of yours to reach these numbers, consider taking out a small personal loan which just might help.
What type of credit limit will I receive for each card?
The VentureOne card has an average limit of about $5,000.
The JetBlue Plus comes with a standard credit limit of around $7,000–$10,000.
Higher rewards potential makes the JetBlue Plus card a clear winner
In looking at the VentureOne and JetBlue Plus cards, it becomes obvious that there's a good bit differentiating the two.
With its higher rewards categories, especially two points per dollar spent on groceries and other food purchases, you'll rack up points way faster using the JetBlue Plus card than the VentureOne card.
While JetBlue Plus comes with a $99 annual fee (compared to VentureOne's no annual fee), the card's yearly 5,000 bonus points cover more than half that fee.
Both cards come with pretty standard digital tools that make it easy to manage your account, so neither one has a sizable advantage in this department.
The same can be said for their level of attention to customers' needs.
Do you use either the VentureOne or the JetBlue Plus cards?
How has it worked out for you?
Any great tips (or nightmares) to share with the rest of us?
Let us know in the comments below.