Overall Value Proposition
The Booking.com Genius Rewards Visa Signature Credit Card is a no-annual-fee travel rewards card that simplifies how users earn and redeem travel credits on the Booking.com platform. Cardholders earn Travel Credits, where $1 Travel Credit always equals $1 towards future Booking.com reservations, with no minimums to redeem and no blackout dates. It combines automatic elevated loyalty status immediately upon signup with cardholder-exclusive elevated rewards in key categories. Plus, for travelers, the card provides a suite of valuable insurance benefits and has no foreign transaction fees.
What is Genius Level 3 Status and What’s the Genius Loyalty Program?
The Genius loyalty program is a free Booking.com rewards program that unlocks travel perks when you create an account and make bookings. There are three Genius levels, and once you unlock a level, you keep it for life. To reach Genius Level 3 without becoming a Genius Rewards Visa Signature cardholder, you need to complete 15 bookings within two years. At Level 3, members enjoy 10–20% discounts, free breakfast and room upgrades at select properties, rental car discounts, and priority customer support.
Welcome Bonus
New cardholders receive $150 in Travel Credits after spending $1,500 in eligible purchases on the card within the first 90 days of account opening.
Annual Spend Bonus
If you spend $15,000 or more on the card within a year from account creation, you earn an additional $100 in Travel Credits.
Application & First Purchase Experience
The Booking.com Card offers a streamlined, modern application process with soft-check pre-approval before a hard credit inquiry, and applications are linked directly to your existing Booking.com account. Upon approval and acceptance of the offer, the card is automatically added to your Booking.com account wallet, allowing you to use it right away to make reservations on the platform without waiting for the physical card to arrive. In addition, approved applicants can instantly add the virtual card to Apple Pay or Google Pay for everyday spending, giving immediate access to rewards from the day cardholders accept their offer.
Value Proposition Details
6% in Travel Credits on stays booked in the Booking.com app.
5% in Travel Credits on flights, car rentals, attractions, cruises, airport taxis via Booking.com.
3% in Travel Credits on dining, gas, groceries.
2% in Travel Credits elsewhere
In-Trip Acceleration: an extra +1% in Travel Credits for in-person purchases at/near your Booking.com accommodation (within ~50 miles), up to $10k annually — great for resort incidentals, cabana rentals, shopping, and more.
No foreign transaction fees.
Rewards Redemption
With the Booking.com Card, rewards are straightforward — $1 in Travel Credits always equals $1 towards future Booking reservations. There is no minimum to redeem. Because redemption happens right in the app or site, travelers can use rewards instantly at checkout, and credits stay valid for two years.
Servicing Experience
The Booking.com Card is serviced by Imprint. Cardholders can view balances, make payments, and track rewards through Imprint’s mobile and web servicing platforms. Travel Credits also live in the Booking.com Wallet, and from there are automatically applied to reservations on the Booking.com site or app during checkout, keeping the earning and redemption experience simple. Booking.com handles support for travel reservations and loyalty perks.
Network Benefits
The card is issued as a Visa Signature card, which means it carries the network benefits offered by Visa Signature. Cardholders gain access to benefits around concierge services, Sofar Sounds, Troon Golf, and more, subject to Visa Signature’s benefit guide.
Third-Party Insurance
The Booking.com Genius Rewards card includes several cardholder protection features administered by a third-party insurer:
Auto Rental Collision Damage Waiver
Save money by renting a vehicle with your Booking.com Genius Rewards Visa and you can receive built-in Auto Rental Collision Damage Waiver coverage.*
Trip Cancellation / Interruption Insurance
Prepare for the unexpected when you purchase a common carrier ticket with your Booking.com Genius Rewards Visa. With Trip Cancellation and Interruption, you can be reimbursed up to $2,000 per insured person for the non-refundable common carrier ticket in the event your trip is canceled or interrupted due to a covered reason.*
Travel and Emergency Assistance Services Insurance
Call anytime for travel or emergency assistance, available for covered Booking.com Genius Rewards Visa cardholders from anywhere in the world.**
Travel Accident Insurance
Add peace of mind to your itinerary. Purchase your airline ticket with your Booking.com Genius Rewards Visa and you can receive up to $250,000 of accidental death and dismemberment coverage.*
Extended Warranty Protection
Extend your warranty’s time period when you use your Booking.com Genius Rewards Visa for your eligible purchase. Extended Warranty Protection will double the time period of coverage to your existing manufacturer’s U.S. warranty up to one additional year on eligible warranties of 3 years or less. The maximum coverage limit is $10,000 per claim and $50,000 per cardholder.*
Purchase Security
Safeguard your new item against theft or damage within the first 90 days from the date of purchase with Purchase Security, available when you pay for your eligible item with your Booking.com Genius Rewards Visa.*
Additional Perks
Instant Genius Level 3 Status
Cardholders reach Booking.com’s highest loyalty tier (Genius Level 3) from the moment they get the card, unlocking perks like room upgrades (when available), complimentary breakfast at participating properties, priority support, and discounts on stays and rental cars.
Overall Value Proposition
The Capital One Venture Rewards Card is a general travel rewards card with a flat earning structure and flexible redemption options. For a $95 annual fee, cardholders earn unlimited 2X miles on everyday purchases and 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.1 Rewards can be redeemed in several ways: booking travel directly through Capital One Travel, applying miles as statement credits toward eligible travel purchases made elsewhere, or transferring to more than 15 airline and hotel partners.1 Additional redemption options include using miles for gift cards, cash back, or purchases at select merchants.1 The card does not charge foreign transaction fees and includes a mix of travel benefits, insurance protections, and access to transfer partners.¹
Welcome Bonus
The Venture Card currently offers 75,000 miles after $4,000 in spend within three months.¹
Annual Spend Bonus
The Venture Card does not include an annual miles bonus tied to spend, or any other type of annual cardholder bonus.¹
Application & First Purchase Experience
The Venture Card offers a pre-approval process.1 After approval, virtual card details are available through Capital One’s app. Cardholders can add their card to digital wallets (e.g., Apple Pay, Google Pay) using their virtual card details.¹
Value Proposition Details
5x miles on hotels, vacation rentals, rental cars through Capital One Travel¹
2x miles on all other purchases, with no on-trip perks¹
No foreign transaction fees¹
Rewards Redemption
Miles can be redeemed in several ways. Cardholders may use miles to book flights, hotels, and rental cars directly through Capital One Travel, or apply them as statement credits toward eligible travel purchases made outside the portal using the “Purchase Eraser” feature.1 Miles can also be transferred to more than 15 airline and hotel loyalty partners.1 Additional redemption options include using miles for gift cards, cash back, or checkout with select merchants like Amazon or PayPal.1 Miles never expire as long as the account remains open.¹
Servicing Experience
The Venture Card is serviced by Capital One through its mobile app and desktop portal.2 Customers can expect features such as virtual card numbers, credit monitoring, fraud alerts, and consolidated access to any other Capital One products all in one place.²
Network Benefits
The Venture Card operates on the Visa and Mastercard networks, depending on the cardholder’s application source. Benefits include purchase protection, Visa and Mastercard standard travel benefits, and fraud protection.¹
Third-Party Insurance
The card offers numerous cardholder protections:
Trip Cancellation/Interruption Insurance: Reimburses up to $1,500 per trip for prepaid travel expenses if canceled or interrupted due to covered reasons such as illness or death of the cardholder or family member.³
Trip Delay Reimbursement: Covers up to $500 for meals, lodging, and essentials if common carrier travel is delayed over 6 hours or requires an overnight stay.³
Travel Accident Insurance: Provides up to $1,000,000 coverage for accidental death or dismemberment when traveling on a common carrier with fare charged to the card.³
Auto Rental Collision Damage Waiver: Primary coverage for damage or theft of rental cars when the rental company’s collision damage waiver is declined and rental is paid with the card.³
Lost or Damaged Baggage Insurance: Reimburses up to $1,500 per trip for lost, stolen, or damaged baggage.³
Purchase Protection: Covers eligible purchases against damage or theft for 90 days from the purchase date.³
Extended Warranty: Extends original manufacturer warranty by up to one additional year on eligible items.³
Travel Assistance Services: Provides 24/7 emergency travel and medical assistance, including referrals and emergency card replacement.³
Additional Perks
Global Entry / TSA PreCheck Credit: Up to $100 credit for application fees every four years.¹
Hertz Five Star Status: Complimentary mid-tier rental car loyalty status with select benefits.¹
Capital One Lifestyle Collection Benefits: Through Capital One Travel, cardholders may access hotel credits, upgrades (when available), and special amenities.²
Capital One Experiences: Early access or preferred reservations for dining and entertainment events.²
Notably, it no longer includes airport lounge access as of 2025.¹
Overall Value Proposition
The Capital One Venture Rewards Card is a general travel rewards card with a flat earning structure and flexible redemption options. For a $95 annual fee, cardholders earn unlimited 2X miles on everyday purchases and 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.1 Rewards can be redeemed in several ways: booking travel directly through Capital One Travel, applying miles as statement credits toward eligible travel purchases made elsewhere, or transferring to more than 15 airline and hotel partners.1 Additional redemption options include using miles for gift cards, cash back, or purchases at select merchants.1 The card does not charge foreign transaction fees and includes a mix of travel benefits, insurance protections, and access to transfer partners.¹
Welcome Bonus
The Venture Card currently offers 75,000 miles after $4,000 in spend within three months.¹
Annual Spend Bonus
The Venture Card does not include an annual miles bonus tied to spend, or any other type of annual cardholder bonus.¹
Application & First Purchase Experience
The Venture Card offers a pre-approval process.1 After approval, virtual card details are available through Capital One’s app. Cardholders can add their card to digital wallets (e.g., Apple Pay, Google Pay) using their virtual card details.¹
Value Proposition Details
5x miles on hotels, vacation rentals, rental cars through Capital One Travel¹
2x miles on all other purchases, with no on-trip perks¹
No foreign transaction fees¹
Rewards Redemption
Miles can be redeemed in several ways. Cardholders may use miles to book flights, hotels, and rental cars directly through Capital One Travel, or apply them as statement credits toward eligible travel purchases made outside the portal using the “Purchase Eraser” feature.1 Miles can also be transferred to more than 15 airline and hotel loyalty partners.1 Additional redemption options include using miles for gift cards, cash back, or checkout with select merchants like Amazon or PayPal.1 Miles never expire as long as the account remains open.¹
Servicing Experience
The Venture Card is serviced by Capital One through its mobile app and desktop portal.2 Customers can expect features such as virtual card numbers, credit monitoring, fraud alerts, and consolidated access to any other Capital One products all in one place.²
Network Benefits
The Venture Card operates on the Visa and Mastercard networks, depending on the cardholder’s application source. Benefits include purchase protection, Visa and Mastercard standard travel benefits, and fraud protection.¹
Third-Party Insurance
The card offers numerous cardholder protections:
Trip Cancellation/Interruption Insurance: Reimburses up to $1,500 per trip for prepaid travel expenses if canceled or interrupted due to covered reasons such as illness or death of the cardholder or family member.³
Trip Delay Reimbursement: Covers up to $500 for meals, lodging, and essentials if common carrier travel is delayed over 6 hours or requires an overnight stay.³
Travel Accident Insurance: Provides up to $1,000,000 coverage for accidental death or dismemberment when traveling on a common carrier with fare charged to the card.³
Auto Rental Collision Damage Waiver: Primary coverage for damage or theft of rental cars when the rental company’s collision damage waiver is declined and rental is paid with the card.³
Lost or Damaged Baggage Insurance: Reimburses up to $1,500 per trip for lost, stolen, or damaged baggage.³
Purchase Protection: Covers eligible purchases against damage or theft for 90 days from the purchase date.³
Extended Warranty: Extends original manufacturer warranty by up to one additional year on eligible items.³
Travel Assistance Services: Provides 24/7 emergency travel and medical assistance, including referrals and emergency card replacement.³
Additional Perks
Global Entry / TSA PreCheck Credit: Up to $100 credit for application fees every four years.¹
Hertz Five Star Status: Complimentary mid-tier rental car loyalty status with select benefits.¹
Capital One Lifestyle Collection Benefits: Through Capital One Travel, cardholders may access hotel credits, upgrades (when available), and special amenities.²
Capital One Experiences: Early access or preferred reservations for dining and entertainment events.²
Notably, it no longer includes airport lounge access as of 2025.¹
Overall Value Proposition
The Capital One Venture Rewards Card is a general travel rewards card with a flat earning structure and flexible redemption options. For a $95 annual fee, cardholders earn unlimited 2X miles on everyday purchases and 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.1 Rewards can be redeemed in several ways: booking travel directly through Capital One Travel, applying miles as statement credits toward eligible travel purchases made elsewhere, or transferring to more than 15 airline and hotel partners.1 Additional redemption options include using miles for gift cards, cash back, or purchases at select merchants.1 The card does not charge foreign transaction fees and includes a mix of travel benefits, insurance protections, and access to transfer partners.¹
Welcome Bonus
The Venture Card currently offers 75,000 miles after $4,000 in spend within three months.¹
Annual Spend Bonus
The Venture Card does not include an annual miles bonus tied to spend, or any other type of annual cardholder bonus.¹
Application & First Purchase Experience
The Venture Card offers a pre-approval process.1 After approval, virtual card details are available through Capital One’s app. Cardholders can add their card to digital wallets (e.g., Apple Pay, Google Pay) using their virtual card details.¹
Value Proposition Details
5x miles on hotels, vacation rentals, rental cars through Capital One Travel¹
2x miles on all other purchases, with no on-trip perks¹
No foreign transaction fees¹
Rewards Redemption
Miles can be redeemed in several ways. Cardholders may use miles to book flights, hotels, and rental cars directly through Capital One Travel, or apply them as statement credits toward eligible travel purchases made outside the portal using the “Purchase Eraser” feature.1 Miles can also be transferred to more than 15 airline and hotel loyalty partners.1 Additional redemption options include using miles for gift cards, cash back, or checkout with select merchants like Amazon or PayPal.1 Miles never expire as long as the account remains open.¹
Servicing Experience
The Venture Card is serviced by Capital One through its mobile app and desktop portal.2 Customers can expect features such as virtual card numbers, credit monitoring, fraud alerts, and consolidated access to any other Capital One products all in one place.²
Network Benefits
The Venture Card operates on the Visa and Mastercard networks, depending on the cardholder’s application source. Benefits include purchase protection, Visa and Mastercard standard travel benefits, and fraud protection.¹
Third-Party Insurance
The card offers numerous cardholder protections:
Trip Cancellation/Interruption Insurance: Reimburses up to $1,500 per trip for prepaid travel expenses if canceled or interrupted due to covered reasons such as illness or death of the cardholder or family member.³
Trip Delay Reimbursement: Covers up to $500 for meals, lodging, and essentials if common carrier travel is delayed over 6 hours or requires an overnight stay.³
Travel Accident Insurance: Provides up to $1,000,000 coverage for accidental death or dismemberment when traveling on a common carrier with fare charged to the card.³
Auto Rental Collision Damage Waiver: Primary coverage for damage or theft of rental cars when the rental company’s collision damage waiver is declined and rental is paid with the card.³
Lost or Damaged Baggage Insurance: Reimburses up to $1,500 per trip for lost, stolen, or damaged baggage.³
Purchase Protection: Covers eligible purchases against damage or theft for 90 days from the purchase date.³
Extended Warranty: Extends original manufacturer warranty by up to one additional year on eligible items.³
Travel Assistance Services: Provides 24/7 emergency travel and medical assistance, including referrals and emergency card replacement.³
Additional Perks
Global Entry / TSA PreCheck Credit: Up to $100 credit for application fees every four years.¹
Hertz Five Star Status: Complimentary mid-tier rental car loyalty status with select benefits.¹
Capital One Lifestyle Collection Benefits: Through Capital One Travel, cardholders may access hotel credits, upgrades (when available), and special amenities.²
Capital One Experiences: Early access or preferred reservations for dining and entertainment events.²
Notably, it no longer includes airport lounge access as of 2025.¹