Is the Capital One Venture still worth $95 a year?
At renewal there's no welcome bonus left, just the fee against what the card earns and the credits you actually use. Here's that renewal year for three spending profiles, compared with downgrading or switching to a no-fee card. Terms verified Oct 5, 2026.
| Profile | Capital One Venture after fee | Best alternative | Pays | Verdict |
|---|---|---|---|---|
| Everyday spender About $2,000 a month, mostly groceries and errands, one trip a year. | $625 | Wells Fargo Autograph | $535 | Keep |
| Balanced About $3,500 a month with a few trips a year and regular dining out. | $1,165 | Wells Fargo Autograph | $1,055 | Keep |
| Frequent traveler About $5,000 a month, heavy on flights, hotels and restaurants, some trips abroad. | $1,705 | Wells Fargo Autograph | $1,782 | Cancel or downgrade Keep only if Global Entry credit and elite status are worth over $77 a year to you. |
Profiles use typed totals, so merchant credits (rideshare, delivery, streaming) aren't counted here.Answer a few questions in the calculator below and the verdict updates.
Run it on your own spending
The calculator needs JavaScript. The table above is precomputed.
The calculator needs JavaScript. The table above is precomputed.
Downgrade instead of closing: The issuer usually lets you product-change to the Quicksilver or Capital One Savor, which keeps your account age and credit line. Ask before you cancel.
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