Capital One VentureOne Credit Card Reviews for April 2024Capital One VentureOne reviews, rewards & more. Save big with one of the top no annual fee travel rewards cards. Apply for the Capital One VentureOne Card.John KiernanWalletHub20,000 miles initial bonusUnlimited 1.25 miles per $1 on every purchaseMiles are redeemable for any travel-related expense on your bill0% intro APRsNo annual feeBalance transfer feePotential for a very high regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
3.5
Market Comparison
4.2
fees: 5.0
rewards: 5.0
cost: 4.3
APR: 3.8
20,000 Miles
once you spend $500 on purchases within 3 months from account opening
The Capital One VentureOne Rewards Credit Card is a good travel rewards credit card that is worth it for people who don’t spend enough to justify paying an annual fee. Capital One VentureOne has a $0 annual fee, a $0 foreign transaction fee, and solid rewards. Those rewards include 20,000 miles as an initial bonus for spending $500 in the first 3 months, along with an ongoing earning rate of 1.25 miles / $1 on most purchases.
WalletHub Rating Breakdown
User Reviews
3.5/5
5,104 reviewsRead and write reviews
Editor’s Review
4.5/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
4.2
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases” for this card.
Fees
5.0
Rewards
5.0
Cost
4.3
APR
3.8
4.2/5
Compared against 1,500+ credit cards
KEY TERMS
20,000 Miles
once you spend $500 on purchases within 3 months from account opening
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Capital One VentureOne Annual Fee
$0
Capital One VentureOne APR on Purchases
0% intro APR for 15 months, 19.99% - 29.99% (V) APR after that
Capital One VentureOne Balance Transfer
0% intro APR for 15 months, 19.99% - 29.99% (V) APR after that
Balance Transfer Fee:3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
Capital One VentureOne Rewards
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Transfer your miles to your choice of 15+ travel loyalty programs
Capital One VentureOne's Additional Info
$0 annual fee and no foreign transaction fees
Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Miles are redeemable for any travel-related expense on your bill
0% intro APRs
No annual fee
Balance transfer fee
Potential for a very high regular APR
Capital One VentureOne Review
John Kiernan
4.5 / 5
The Capital One VentureOne Rewards Credit Card is a good travel rewards credit card that is worth it for people who don’t spend enough to justify paying an annual fee. Capital One VentureOne has a $0 annual fee, a $0 foreign transaction fee, and solid rewards. Those rewards include 20,000 miles as an initial bonus for spending $500 in the first 3 months, along with an ongoing earning rate of 1.25 miles / $1 on most purchases.
The VentureOne Card requires at least good credit for approval, just like its sibling, the Capital One Venture Rewards Credit Card. Capital One Venture (see Rates & Fees) is a mainstay among the market’s best rewards cards, but its annual fee is enough to scare some people away. That’s who the VentureOne Card is perfect for.
Below, you can find a breakdown of the key factors to consider before deciding whether or not to apply for the Capital One VentureOne Card.
Capital One VentureOne Review Highlights
Good rewards for light-spenders
The Capital One VentureOne Rewards Credit Card gives you 20,000 bonus miles for spending $500 within 3 months of account opening. The average rewards card offers 30,381 points/miles. In addition, you’ll earn 1.25 miles / $1 spent, which is about the market average for a rewards card. You can also earn 5 miles for every dollar spent on hotel and car rentals booked through Capital One Travel. So while these rewards aren’t necessarily elite, they’re good enough to make VentureOne a worthwhile option for light-spenders.
Above-average 0% promotion
VentureOne offers an intro APR of 0% for 15 months on new purchases and balance transfers. For context, the average credit card gives 0% for 11 months on purchases and 0% for 13 months on balance transfers. So that’s pretty good. The Capital One VentureOne's regular APR is 19.99% - 29.99% (V).
Transfer fee: 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
The Capital One VentureOne Credit Card currently charges a balance transfer fee of 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time. So if you want to reduce the cost of existing debt, it is a good idea to use a balance-transfer calculator to determine whether such a transaction will be worthwhile.
Requires good credit or better
The Capital One VentureOne Card would make more sense as a fair-credit alternative to Venture. However, it’s reserved for people with good or excellent credit. So make sure to check your credit score for free on WalletHub before applying.
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Capital One VentureOne Video Review
Compare The Capital One VentureOne vs. Popular Alternatives
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
3.5
Market Comparison
4.2
fees: 5.0
rewards: 5.0
cost: 4.3
APR: 3.8
4.6WalletHub Rating
WalletHub Rating
4.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.9
Market Comparison
4.6
fees: 2.9
rewards: 4.8
cost: 5.0
Other Features: 5.0
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.3
Market Comparison
4.1
fees: 1.3
rewards: 4.8
cost: 4.8
Other Features: 0.0
(5,104)
(3,514)
(311)
annual fee$0
annual fee$95
annual fee$550
Purchase Intro APR0% for 15 months
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
transfer intro apr0% for 15 months|Transfer Fee:3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
Can't find what you are looking for? Submit your question about Capital One VentureOne Rewards Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
The Capital One VentureOne credit limit will be based on your creditworthiness once your application has been approved. There's no surefire way of knowing your credit limit beforehand as Capital One does not disclose this information on their website.
Capital One VentureOne Credit Limit Info
There's no surefire way of knowing your Capital One VentureOne credit limit before applying and getting approved.
When determining credit limits, factors such as your debt-to-income ratio, repayment history and the length of your credit history will play a significant role.
If you are not happy with the Capital One VentureOne credit limit you have received, you may request an increase after you've had the card for at least 6 months. However, there's no guarantee you'll be approved.
Capital One may also automatically consider you for a higher credit limit after you've made your first 6 payments on time.
You need a credit score of 700+ to get the Capital One VentureOne (see Rates & Fees) Card, which means at least good credit is required for approval. Capital One will also consider your overall financial picture, including your income and existing debt obligations, when deciding whether to approve your application for the VentureOne Card.
If you'd like to see where your credit stands, and thus get a rough sense for your odds of approval, you can check your credit score for free on WalletHub.
Yes, it is hard to get the Capital One VentureOne (see Rates & Fees) Credit Card because it requires a credit score of 700 or better for approval. Unless you have good credit and a lot of income, it will be difficult for you to get approved for the Capital One VentureOne (see Rates & Fees).
In order to get the Capital One VentureOne (see Rates & Fees), you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You'll also need to...
The VentureOne card earns unlimited 1.25 to 5 miles per dollar on all purchases, while the Venture card earns a higher 2 to 5 miles per dollar on all purchases. Since VentureOne has a $0 annual fee, it doesn't reward cardholders with as many miles as the Venture card, which has a $95 annual fee.
Capital One VentureOne is a Mastercard. That means it comes with a collection of perks provided by the Mastercard network. You can also use the VentureOne Mastercard in more than 210 countries and territories.
In addition to its Mastercard benefits, the Capital One VentureOne (see Rates & Fees) card has some very attractive rewards, rates, and fees, which Capital One is responsible for. There's a sign-up bonus of 20,000 miles, worth $200 in travel. You also get 5 miles per $1 spent on hotels and rental cars booked through Capital One Travel, and 1.25 miles per $1 on all other purchases. Miles are worth 1.25 cents...
The best Capital One VentureOne (see Rates & Fees) benefits are extended warranty and rental car insurance. The Capital One VentureOne Rewards Credit Card (see Rates & Fees) also has emergency card replacement and virtual card numbers, which are more common perks across Capital One credit cards.
Capital One VentureOne (see Rates & Fees) Benefits
Extended warranty
Rental car insurance
Emergency card replacement
Virtual card numbers
$0 fraud liability
No foreign transaction fees
Miles transfer
In addition to these benefits, the Capital One VentureOne (see Rates & Fees) comes with a...
The Capital One VentureOne (see Rates & Fees) foreign transaction fee is $0. This means you will not be charged extra when you use the card outside the U.S. or online through an international merchant. Capital One doesn't charge foreign transaction fees on any of its credit cards.
Foreign transaction fees on other cards typically range from 0% - 3%, depending on the card and the issuer.
Here are some other Capital One VentureOne (see Rates & Fees) perks:
You can redeem Capital One VentureOne miles through your online account on the Capital One website, the Capital One mobile app or by contacting customer service at (877) 383-4802. Capital One VentureOne allows you to redeem miles for travel, either before, or after you pay for your travel expenses. You can also redeem Capital One VentureOne miles for gift cards and other non-travel rewards, but you'll get less value if you do that.
How to redeem your Capital One VentureOne miles online:
You can make a Capital One VentureOne (see Rates & Fees) balance transfer either online or by calling the number you see on the back of your card. Keep in mind that your Capital One VentureOne (see Rates & Fees) account may not always be eligible for balance transfers. You can check for eligibility and any existing offers through your online account. New cardholders can only request a balance transfer after receiving and activating their new Capital One VentureOne (see Rates & Fees). After approval, it takes around 7-10 business days to receive the new card.
The Capital One VentureOne Rewards Credit Card (see Rates & Fees) offers rental car insurance as a free benefit (for Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply). Capital One VentureOne (see Rates & Fees) rental car insurance covers damage or theft of the vehicle, damage or theft of personal items, loss of use and towing charges. Cardholders are covered up to...
Share your insights and review for the Capital One VentureOne Rewards Credit Card
5
24%
4
30%
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26%
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14%
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3.5
5,104 reviews
5,104 reviews
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Kari Gallo @gallkar
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2 Star Rating
I just tried to apply for this credit card (my credit score is 816), but I was denied. Although all seven of my credit card accounts are in good standing and always paid off on time when I use them, the reason for denial was that I have too many credit cards. I would appreciate some feedback on whether this is a valid reason for denial. Regardless, Capital One, by no choice of my own, will NOT be receiving any of my money. The customer service representative was sweet, but of course, had no way of helping me since she is "not a credit expert". Also, I ran my credit report immediately after I was denied and TransUnion/Experian has me at 816, while Capital One only had me at 794. Can anyone explain this?
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0
Da LYte @dalytle098
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1 Star Rating
Capital One is a B.S. garbage card issuer. I've had my card over 20 yrs. Interest rate remains high. They scam you by setting cutoff for payments @ 8:00 EST. No other card issuer screws the customer as bad as Capital None. DO NOT use these clowns. Rely on the rule, the worse a product is, the more they have to pay celebs to promote it --- FACT!!! Rate customer service a -5 on a 10 scale.
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2
Robert @robertbruce_thompson
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4 Star Rating
Verified Customer
Decent card, 1.25 travel points per dollar spent and a fairly high interest rate. They are, however, very good with credit limit increases.
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1
Jerome @jeromei_4
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3 Star Rating
Verified Customer
Helped me get back on my feet but interest rate remains high after 6 years of on time payments. I would recommend for anyone who has had an unfortunate credit mishap.
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0
0
kylevock4 @kylevock4
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1 Star Rating
Applied to the VentureOne card with a 40K mile bonus after spending $1K advertised. I got accepted as I have very high credit (>770). Everything seemed normal. BUT a week after getting it, I contacted CapitalOne as I couldn't see my progress towards the 40K mile bonus on the app. They told me they didn't honor the bonus for my application - this was NEVER disclosed clearly throughout the application process. It was probably hidden in the small text in an attempt to save money for the company. Must be a tough time financially for them. Would avoid and would've never gotten the card, had it been disclosed clearly. Scam.
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2
1
Angel @ruizangel787
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5 Star Rating
Verified Customer
No complaints about it. As always pleased and when you're pleased you can't complain right? Pay on time if you get the chance and you will be pleased also! Yes some online purchases dont go thru but is not a big deal. Go to the stored exercises do well in health lol. Thanks capital one.
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3
0
Daniel @dhalford
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1 Star Rating
Verified Customer
Decent starter card to build a credit history, but that's about the only benefit I see after using the card for 3 months. Disappointed on many aspects of the benefits of this card: 1) you won't be eligible for the bonus if you only have good credit, the bonus requires excellent credit, 2) there is a no foreign transaction fee, but there is a similar fee based on currency exchange, 3) the travel portal often shows prices way higher than the actual airline and hotel, and the 5x reward miles don't cover the difference, leaving you in the red, 4) it is impossible to get an itemized receipt booking through their travel portal because they often book through third parties (i.e., Expedia), please don't use this for business travel. Carefully consider this card, I think there are many better options available.
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7
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Shelia @donica107
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5 Star Rating
Verified Customer
Large limit card keep clear for any of lifes sudden large emergency that might exceed cost of cash on hand. For example a family emergency like fire or earthquake. Our family is grateful to Capital one for such a large limit card. God bless all of you during this season.
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2
0
Richard @rboardman17
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4 Star Rating
Verified Customer
Never had a problem with capital one been with them a long time When you call customer service department you won't be talking to someone in a 3rd world country from there home.Barclays does this you have a problem with Barclay's you are out of luck
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3
0
Samuel @mrasarejr
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5 Star Rating
Verified Customer
Generous credit line, no annual fee, 0% interest on purchases and balance transfer for one year! This is my go- to travel card, strictly dedicated to Capital One Travel. It is excellent, with they are price match on tickets and array of resorts and hotels! I used this card to book my trip to the Bahamas! They were fantastic.
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3
0
Carmen @carmena9
What you call a generous credit line? Thanks.
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2
0
wynea20 @wynea20
What credit line did they start you off with?
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1
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Review Capital One VentureOne Rewards Credit Card
Expert Thoughts on Capital One VentureOne
To help people learn more about Capital One VentureOne Rewards Credit Card, WalletHub's editors posed the following questions to a panel of experts. You can meet our panelists and read their responses below.
Why do you think Capital One has more TV ads for its Venture and Venture X cards than for the VentureOne card?
When does it make sense to consider a travel rewards credit card with no annual fee, versus higher-tier cards with fees?
Ayan Ghosh Dastidar Ph.D., Assistant Professor of Marketing, School of Management, Clark University Read More
Chad O'Connor Adjunct Faculty in Marketing, D'Amore-McKim School of Business at Northeastern University Read More
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