On this planet of travel rewards cards that earn totally transferable rewards, there are only a few no-annual-fee choices. Most require you to carry a second card with an annual price to be able to entry switch companions. Even rarer on this house are playing cards with flat incomes charges.
Fortunately, each Capital One and Citi supply a no-annual-fee possibility. The Capital One VentureOne Rewards Credit Card and the Citi Double Cash® Card (see rates and fees) each have flat-rate incomes constructions.
Let’s examine the 2 and see how they stack up towards one another.
Evaluating the Capital One VentureOne vs. the Citi Double Money
| Citi Double Money | VentureOne | |
|---|---|---|
| Welcome supply | Earn $200 money again after spending $1,500 on purchases within the first six months from account opening. | Earn 20,000 bonus miles after spending $500 on purchases inside the first three months from account opening. Plus, new cardholders will obtain a $100 Capital One Journey portal credit score to make use of of their first cardholder yr upon account opening (no spending is required to obtain the credit score). |
| Incomes charges |
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| Notable advantages |
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| International transaction charges | 3% | None |
Capital One VentureOne vs. Citi Double Money welcome supply
New VentureOne cardholders can earn 20,000 bonus miles after spending $500 on purchases inside the first three months from account opening. Plus, new cardholders will obtain a $100 Capital One Travel portal credit score to make use of of their first cardholder yr upon account opening (no spending is required to obtain the credit score).
Based mostly on TPG’s November 2025 valuations, this welcome supply is value as much as $470 when together with the worth of each the miles and the portal credit score.
In the meantime, new candidates for the Citi Double Money can earn $200 money again after spending $1,500 on purchases within the first six months from account opening. This money again is given within the type of 20,000 Citi ThankYou Rewards points.
In line with TPG’s November 2025 valuations, this welcome supply is value $380.
Winner: VentureOne, as its welcome supply is value barely extra and requires a 3rd of the minimal spending.
Associated: The best credit card welcome bonuses of the month
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Capital One VentureOne vs. Double Money advantages
Neither card presents intensive advantages like these discovered on its costlier counterparts. Nonetheless, the VentureOne does have a slight higher hand. With the VentureOne, you will obtain advantages like:
Plus, should you stay close to a Capital One Cafe, you may obtain 50% off drinks while you pay together with your card. I’ve personally been to the Portland cafe day by day this previous week to get my caffeine repair. I definitely cannot complain a few matcha below $4.
In the meantime, with the Citi Double Cash, advantages are extra restricted. You will obtain entry to Citi Leisure, plus widespread no-annual-fee advantages like $0 legal responsibility fraud safety and identity-theft safety.
It is essential to notice that the Double Money card expenses international transaction charges, making it a much less favorable possibility to be used overseas.
Winner: VentureOne. Its advantages are extra strong than the Double Money’s, and it would not cost international transaction charges.
Associated: Why you may want a cash-back card
Incomes rewards with the Capital One VentureOne vs. Citi Double Money
Each playing cards earn flat-rate rewards on each buy. With the VentureOne, you will earn not less than 1.25 miles per greenback spent on all purchases. It is a 2.3% return based mostly on TPG’s valuations.
Then again, with the Citi Double Cash, you will earn not less than 2% again on all purchases (1% while you purchase and 1% while you pay). Money again is offered within the type of Citi ThankYou factors, which equate to a 3.8% return based mostly on TPG’s valuations.
Additionally, each playing cards earn 5% or 5 miles per greenback spent in rewards on choose purchases made by way of every issuer’s respective journey portal, however the Citi Double Money takes the slight edge as you may earn bonus rewards on sights, plus hotels and rental cars.
Winner: Citi Double Money. You will earn extra on nonbonus spending.
Associated: Comparing flat-rate with bonus-category cash-back credit cards
Redeeming rewards with the Capital One VentureOne vs. Citi Double Money
Each playing cards permit you to redeem rewards in comparable methods.
With the VentureOne, you may redeem miles for a press release credit score on travel purchases or on journey booked by way of Capital One Journey at a fee of 1 cent per mile. You may as well redeem miles for:
Nonetheless, these redemption strategies all present a worth of lower than 1 cent per mile, one thing I do not suggest. Money-back redemptions are value simply 0.5 cents per mile, and all the opposite redemption choices are value 0.8 cents per mile.
Moreover, with the VentureOne, you may redeem rewards at checkout on Amazon and on Capital One Leisure.
The Citi Double Cash has comparable redemption options, together with
- Reserving journey by way of the Citi Journey portal
- Money again
- Charitable donations
- Present playing cards
- Store with Factors
You’ll be able to redeem ThankYou factors for money again by way of the Citi Travel portal. Utilizing Store with Factors yields a redemption worth below 1 cent per level. Redeeming factors for present playing cards can sometimes yield the next return than 1 cent per level. I might keep away from these choices, in addition to money again or journey, altogether.
Nonetheless, transferring rewards with both card will maximize their worth.
Winner: Citi Double Money, as rewards might be redeemed for money again at a fee of 1 cent per level.
Associated: Cashing in Capital One miles? How to get the maximum value when redeeming miles
Transferring rewards with Capital One VentureOne vs. Citi Double Money
Transferring rewards to journey companions lets you maximize your rewards with both card. Each issuers have strong rosters of journey companions, together with choices in Oneworld, SkyTeam and Star Alliance.
With the VentureOne, you will have entry to Capital One’s lineup of 15-plus transfer partners, together with Air Canada Aeroplan, Air France-KLM Flying Blue and Japan Airlines Mileage Bank. Most companions have a 1:1 switch ratio.
I lately added the VentureOne to my pockets and am intrigued by certainly one of its newer companions: I Prefer Hotel Rewards. I am planning on transferring miles to that program to guide a number of motels for an upcoming journey to India.
In the meantime, with the Citi Double Cash, you will have entry to Citi’s expansive roster of twenty-two transfer partners, together with widespread ones like American Airlines AAdvantage, Air France-KLM Flying Blue and Singapore Airlines KrisFlyer.
Switch ratios are lowered by 30% with the Double Money (sometimes 1:0.7). If you need entry to the complete switch ratio, you will want to carry a card just like the Citi Strata Premier® Card (see rates and fees).
In case your redemption technique is solely to switch rewards to companions, the VentureOne could also be a greater possibility regardless of incomes much less on purchases.
Once you issue within the lowered switch ratio on the Double Money, you are successfully getting a 2.7% return with the Double Money in comparison with a 2.3% return on the VentureOne, based mostly on TPG’s November 2025 valuations.
Winner: VentureOne, since you may switch to most companions at a full 1:1 ratio.
Associated: Best ways to redeem Citi ThankYou Rewards points
Ought to I get the Capital One VentureOne or the Citi Double Money?
If maximizing rewards incomes is your purpose, go for the Citi Double Cash, because it presents the next baseline incomes fee on all purchases.
Nonetheless, should you worth journey perks and having no international transaction charges, the VentureOne is the higher alternative, particularly for individuals who journey overseas or need full 1:1 ratio switch entry with out paying an annual price.
Backside line
Including a no-annual-fee, flat-rate rewards card could be a welcome addition to any bank card setup, as you assure you will earn greater than 1% in rewards on each buy. Even should you’re in search of simplicity, without having to recollect bonus classes, or solely need to carry one card, the Capital One VentureOne and Citi Double Money are each strong choices.
And since each playing cards haven’t any annual price, you might add each to your pockets, incomes two straightforward welcome bonuses and diversifying your rewards currencies.
To be taught extra, learn our full evaluations of the Capital One VentureOne and Citi Double Cash Card.
Apply right here: Citi Double Cash Card
Study extra: Capital One VentureOne Rewards Credit Card