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Aeroplan® Credit Card vs Capital One Venture Rewards Credit Card
This comparison aims to help you decide between the Aeroplan® Credit Card from Capital One and the Capital One Venture Rewards Credit Card. Both cards offer unique benefits and rewards structures tailored to different spending habits and travel preferences.
Aeroplan® Credit Card Overview
The Aeroplan® Credit Card is designed for frequent travelers, especially those who prefer to fly with Air Canada. With a focus on earning Aeroplan points, this card rewards users for spending on travel-related purchases, groceries, and dining.
Capital One Venture Rewards Credit Card Overview
The Capital One Venture Rewards Credit Card is ideal for individuals who want flexibility in their travel rewards. It offers a straightforward rewards structure with unlimited earning potential on all purchases and valuable benefits for travel enthusiasts.
Detailed Feature Comparison
| Feature | Aeroplan® Credit Card | Capital One Venture Rewards Credit Card |
|---|---|---|
| Annual Fee | $95 | $95 |
| Welcome Bonus | Earn up to 70,000 bonus points | Earn 75,000 bonus miles after spending $4,000 in the first 3 months |
| Rewards Structure | 3X points at grocery stores, restaurants, and Air Canada; 1X on all other purchases | 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel; 2X on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | N/A | N/A |
| Additional Benefits | Redeem points for flights; earn bonus points for monthly spending | $250 travel credit in the first year; Global Entry/TSA PreCheck credit; no expiration on miles |
Rewards Highlights
Aeroplan® Credit Card
- Earn up to 70,000 bonus points
- Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months, plus an additional 10K after annual fee renewal payment
- Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly
- Earn 1X point for each dollar spent on all other purchases
- 500 bonus points for every $2,000 spent in a calendar month, up to 1,500 points per month
Capital One Venture Rewards Credit Card
- Enjoy $250 to use on Capital One Travel in your first cardholder year
- Earn 75,000 bonus miles after spending $4,000 in the first 3 months
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel
- Miles won't expire for the life of the account
Pros and Cons
Aeroplan® Credit Card
- Pros:
- Great for Air Canada travelers
- Opportunity for bonus points with monthly spending
- Flexible redemption options for flights
- Cons:
- Limited to Aeroplan rewards
- Annual fee may not justify benefits for infrequent travelers
Capital One Venture Rewards Credit Card
- Pros:
- Flexible rewards that can be used for various travel expenses
- Generous welcome bonus
- Multiple earning categories for diverse purchases
- Cons:
- Higher spending requirement for bonus miles
- Rewards are not as tailored to specific airlines
Who Should Consider Which Card?
- Aeroplan® Credit Card: Best suited for frequent flyers with Air Canada and those who prioritize earning Aeroplan points for travel rewards.
- Capital One Venture Rewards Credit Card: Ideal for individuals seeking a flexible rewards program with a straightforward earning structure applicable to various travel expenses.
Conclusion
Ultimately, the choice between the Aeroplan® Credit Card and the Capital One Venture Rewards Credit Card depends on your individual needs, spending habits, and travel goals. Consider how often you travel, which airlines you prefer, and what types of rewards you value most to make an informed decision.