Capital One VentureOne Rewards Card review

9.26/10 Lootrs Score
Capital One VentureOne Rewards Card Rating & Score with Credit Cards System

Objective testing of credit cards involves conducting systematic evaluations based on predefined criteria to assess their features, benefits, fees, and overall value proposition.

For more information see our credit card score explanation here.
9.4

Intro APR

Intro APR credit cards offer a temporary period with low to no interest rates on purchases or balance transfers. They provide a financial break before regular rates apply.

For more information see our Intro APR score explanation here.
0% on Purchases and Balance Transfers for first 15 months
9

Regular APR

The APR is the ongoing interest rate for balances on credit cards. This is after any intro or promo periods end. It affects the long-term cost of borrowing.

For more information see our Regular APR score explanation here.
19.99% - 29.99% Variable APR
10

Annual Fee

Annual fee credit cards require a yearly payment for membership. They offer enhanced rewards, benefits, and services in exchange for the fee. They cater to individuals seeking premium perks.

For more information see our Annual fee score explanation here.
$0
9

Welcome Bonus

Welcome bonus credit cards offer a one-time reward. This could be bonus points, cashback, or statement credits. You get the reward by meeting spending goals. You must do so within a set time after opening the account. The rewards entice new cardholders with immediate benefits.

For more information see our Welcome bonus score explanation here.
20,000 Miles once you spend $500 on purchases within 3 months from account opening
8.6

Rewards

Credit card rewards programs let cardholders earn points, miles, or cashback on purchases. They can redeem these rewards for things like travel, merchandise, gift cards, or credits. This gives extra value for using the card.

For more information see our rewards programs score explanation here.
5X miles on hotels and rental cars
9

Benefits

Credit card benefits include perks and features from card issuers. They include travel insurance, purchase protection, and extended warranties. You also get airport lounge access and concierge services. They add value and usefulness for cardholders.

For more information see our benefits score explanation here.
Traveler
9

Recommended Credit Score

The recommended credit score is the minimum score recommended by the card issuer. It's for potential cardholders to qualify for a specific credit card. Meeting or beating this score boosts the chance of approval. It also gives access to the card's benefits and features.

For more information see our Recommended credit score Rating explanation here.
690 - 850 (Fair - Exceptional)
10

Foreign Transaction Fee

Card issuers impose foreign transaction fees. They apply to transactions in a foreign currency or with a foreign merchant. The fees are usually 1% to 3% of the transaction amount. They may apply to purchases, withdrawals, or transfers made in a foreign currency. This raises the cost of international transactions.

For more information see our foreign transaction fees score explanation here.
$0
9.4

Cash Advance Fee

Each time you use your credit card for a cash advance or ATM withdrawal, the bank applies a 'Cash Advance Fee'.

For example, a Cash Advance Fee of "3% (min $10)" means the fee will be 3% of the cash advance amount, with a minimum charge of $10.

For more information see our cash advance fee score explanation here.
5% (min $5)
9.2

Balance Transfer Fee

A balance transfer fee may apply when you transfer a balance from 'Credit Card A' to 'Credit Card B'.

This fee is imposed by the credit card that gets your transferred balance. In this case, that card is 'Credit Card B.' 'Credit Card A' never charges a fee.

For more information see our balance transfer fees score explanation here.
0% intro APR for 15 months
How we rating & score here.

Best for

Discover the best credit card for your needs. Are you a student, rewards enthusiast, or cash back lover? Find the perfect fit with our thorough reviews and comparisons.
  • Travelers
  • Everyday Spending
  • Hotel Stays
  • Airline Miles

Considerations

Consider key factors when choosing a credit card. These include interest rates, fees, rewards programs, and more. Make an informed decision to find the right card for your financial needs.
  • Annual Fee
  • Foreign Transaction Fee
  • Benefits (Travel Insurance, Purchase Protection, etc.)
  • Spending Categories (Groceries, Dining, Travel, etc.)

Pros

Using a credit card has many pros. These include convenience, rewards, and building credit. They also include purchase protection and fraud security. You also get access to emergency funds and introductory offers. They help with budgeting and spending tracking. They also offer travel benefits and cash flow management. Plus, rental car insurance, extended warranties, and price protection. And online shopping security and opportunities for financial discipline.
  • 0% intro APRs
  • 20,000 miles initial bonus
  • Has a low minimum spending needed to earn the sign-up bonus.
  • No annual fee

Cons

Using a credit card has cons. These include potential overspending, high interest rates, and fees such as annual fees and late payment fees. It can also hurt your credit score if used irresponsibly. Using a credit card can tempt you to carry a balance and incur interest charges. It also risks identity theft and fraud. It can lead to debt and reliance on credit for financial needs. And, it has limits on rewards and benefits compared to other forms of payment.
  • Low rewards rate
  • Balance transfer fee
  • Requires an excellent credit score
  • Low earnings potential
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  • 50+ Credit Cards Ranked
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See our full methodology

In This Review

9.3

Review: Capital One VentureOne Rewards Card

Get in-depth credit card reviews covering features, benefits, fees, and rewards. Make informed decisions and find the perfect card for your financial goals.

For more information see our credit card score explanation here.

At Lootrs, we put each card to the score.

We score Capital One VentureOne Rewards Card 10 different factors that impact the benefits and rewards of the cards. scoring categories include:

Credit Cards Review Rating
Intro APR Very Good
Regular APR Very Good
Annual Fee Exceptional
Welcome Bonus Very Good
Rewards Very Good
Benefits Very Good
Recommended Credit Score Very Good
Foreign Transaction Fee Exceptional
Cash Advance Fee Very Good
Balance Transfer Fee Very Good

Who can apply for Capital One VentureOne Rewards Card?

We have categorized Capital One VentureOne Rewards Card 4 main useful user criteria. it's applied using the Lootrs methodology.

How is Capital One VentureOne Rewards Card Different?

The Capital One VentureOne card offers rewards. They are consistent. It gives 1.25 miles per dollar on all purchases and has no annual fee. It has flexible ways to use points for travel. It has an introductory 0% APR on purchases. It has no foreign transaction fees. And, it has many travel and purchase protections.

10

Capital One VentureOne Rewards Card Annual Fee

Card type: Travel Credit Cards

Issuer Name: Capital One

No annual fee

The Capital One VentureOne Rewards Card has an annual fee of $0. It offers benefits and rewards tailored to your spending habits. Enjoy perks such as travel rewards, or points on every purchase. This makes it a valuable addition to your wallet.

9

Welcome Bonus

Capital One’s Venture Cards are for heavy travelers. This is because of their lucrative (and unlimited) miles. They also have juicy welcome offers and impressive travel perks. The VentureOne Rewards Card is for travel newbies. It's also for part-time travelers. They don't travel enough to justify the $95 or $395 annual fees for the Venture and Venture X Cards.

9.4

APRs: Capital One VentureOne Rewards Card

Explore credit card APRs to understand borrowing costs. Learn how APRs vary for purchases, balance transfers, and cash advances. This is crucial for informed financial choices.

The table below shows the types of each APR brief description for the Capital One VentureOne Rewards Card.

Type of APR Rating
Intro APR - 0% intro APR on Purchases and Balance Transfers for the first 15 months. It applies to qualifying transfers. 9.4/10Very Good
Regular APR - 19.99% - 29.99% Variable APR 9/10Very Good
Purchase - 19.99% - 29.99% Variable APR 9/10Very Good
Balance transfer - 19.99% - 29.99% variable, plus a fee of either 4% of the amount of each transfer 9.2/10Very Good
Cash advance - 29.99% variable, plus a fee of either $5 or 5% of the amount of each transaction, whichever is greater 9.4/10Very Good
Penalty - None 10/10Exceptional
9

Capital One VentureOne Rewards Card Benefits

Discover the many benefits of our credit cards. They include cash back and travel perks, as well as purchase protection and fraud prevention. Explore our cards today and unlock a world of convenience and value.

Certainly! Here's a table. It shows the benefits of the Capital One VentureOne Rewards credit card:

Benefits Score
Good transfer partners

Capital One has many transfer partners. They can take you across the globe with your miles. 

9/10Very Good
Intro APR opportunity

Consumers can use it to pay off high-interest debt from another card. The low intro APR offer can save them lots of interest.

9.6/10Excellent
No annual fee or foreign transaction fees

Using your card worldwide without an extra fee is a big plus for any traveller. 

10/10Exceptional
Welcome offer

People with great credit also get 0% intro APR for 15 months. This is for purchases and balance transfers. After that, the APR is variable. It is based on creditworthiness. The intro period is as good as cards like Discover It or Discover It Miles. It's also as good as Citi Custom Cash, Chase Freedom Unlimited, and more.

Unfortunately, VentureOne for Good Credit applicants can't get bonus miles. They also can't get a 0% intro APR.

9.2/10Very Good
8.6

Capital One VentureOne Rewards Card Rewards

Capital One VentureOne Rewards Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:

  • 5X miles on hotels and rental cars when you book through Capital One Travel
  • 1.25X miles on all purchases
  • Transfer your miles to your choice of 15+ travel loyalty programs

Miles are worth a penny each. You can use them to book travel through Capital One. Or, you can use them as a statement credit against travel booked on your card. But you can usually get more value by moving them to one of Capital One’s 15+ partners. You can start with as few as 1,000 miles.

The following partners have a 1:1 transfer ratio:

  • Aeromexico Club Premier.
  • Aeroplan.
  • Asia Miles.
  • Avianca LifeMiles.
  • British Airways Executive Club.
  • Choice Privileges.
  • Emirates Skywards.
  • Etihad Guest.
  • Finnair Plus.
  • Flying Blue.
  • Qantas Frequent Flyer.
  • Singapore Airlines KrisFlyer.
  • TAP Miles&Go.
  • Turkish Airlines Miles&Smiles.
  • Virgin Red.
Annual Spend Miles Earned per Dollar Estimated Miles Earned
$5,000 1.25 6,250
$10,000 1.25 12,500

 

Rewards value for $12,667 annual spend ($1,056 per month)

Capital One VentureOne card Capital One Venture card
1.25 miles per dollar x $12,667 = $158 (2 miles per dollar x $12,667) – $95 annual fee = $158

 

Category Venture VentureOne
Annual Fee $95 $0
Ongoing Rewards 2 – 5 miles per $1 1.25 – 5 miles per $1
Initial Bonus 75,000 miles for spending $4,000 in the first 3 months 20,000 miles for spending $500 in the first 3 months
Min. Credit Required Good Good
Pro Tip
The card has a $0 annual fee. You'll earn rewards without having to pay to carry the Capital One VentureOne Rewards Credit Card. You just need to pay your balance each month to avoid interest. Use the card's welcome offer to earn 20,000 Miles. You get them once you spend $500 on purchases within 3 months of account opening.
9

Recommended Credit Score

Credit Score : 690 - 850 (Fair - Exceptional)

We evaluate credit card options based on FICO credit scores. We ensure tailored recommendations that match your financial profile.

For more information see our FICO Recommended credit score Rating explanation here.

For those interested in the Capital One VentureOne Rewards Card, we suggest having a credit score between 690 (Fair) and 850 (Exceptional). This range ensures eligibility for customized benefits and rewards, perfectly suited to your credit profile. Take advantage of exclusive perks by applying today and elevate your credit card experience.

Compare The Capital One VentureOne Rewards Card vs. Other Popular Cards

Compare credit cards effortlessly to find the ideal match for your financial goals. Explore features, rewards, fees, and more to make informed decisions and maximize your benefits. You might want cash back, travel rewards, or low APR. Our tool makes it easy. It lets you compare many cards at once.

You have comprehensive information at your fingertips. You can select the card that best fits your spending and preferences. Take control of your finances. Find the perfect credit card for your needs with our easy comparison platform.
Capital One VentureOne Rewards Card Capital One VentureOne Rewards Card Chase Freedom Unlimited<sup>®</sup> Card Chase Freedom Unlimited® Card Citi Simplicity<sup>®</sup> Card Citi Simplicity® Card
9.3MyCreditCardLab
Score
8.7MyCreditCardLab
Score

MyCreditCardLab Score 8.7

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
7
Regular APR
9
Rewards
9.1
Benefits
8.1
Welcome Bonus
8.7
Recommended Credit Score: 9.3
Foreign Transaction Fee: 7.7
Cash Advance Fee: 9
Balance Transfer Fee: 9.3
9.0MyCreditCardLab
Score

MyCreditCardLab Score 9.0

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
9.8
Regular APR
9.5
Rewards
6.4
Benefits
9
Welcome Bonus
9.3
Recommended Credit Score: 9
Foreign Transaction Fee: 8.5
Cash Advance Fee: 9
Balance Transfer Fee: 9.4
ANNUAL FEE
$0 $0 $0
INTRO APR
0% on Purchases and Balance Transfers for first 15 months 0% intro APR for 15 months 0% on Purchases and Balance Transfers for first 21 months
REGULAR APR
19.99% - 29.99% Variable APR 20.49% - 29.24% (V) APR after that 19.24% - 29.99% Variable APR
WELCOME BONUS
20,000 Miles once you spend $500 on purchases within 3 months from account opening Get an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! 0% intro APR for 21 months on balance transfers and purchases from date of account opening
REWARDS
5X miles on hotels and rental cars Unlimited 5% cash rewards on travel and restaurants. This card doesn’t offer rewards
BENEFITS
Traveler Travel, Dining at restaurants Payment due date flexibility, Digital wallets
CASH ADVANCE FEE / APR
5% (min $5) / 29.99% 5% (min $10) / 29.99% 5% (min $10) / 29.99%
BALANCE TRANSFER FEE
3% for the first 15 months, after 4% of the amount of each transfer Either $5 or 5% of the amount of each transfer, whichever is greater. 19.24% - 29.99% variable APR after end Intro time
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 690 - 850 (Fair - Exceptional) 690 - 850 (Fair - Exceptional)
FOREIGN TRANSACTION FEE
$0 3% in U.S. dollars 3%
BEST FOR
  • Travelers
  • Everyday Spending
  • Hotel Stays
  • Airline Miles
  • Travelers
  • Small Business Owners
  • Everyday Spending
  • Restaurant
  • Health and Wellness
  • Small Business Owners
  • Everyday Spending
  • Balance Transfers
More Details Compare More Details Compare

Capital One Login

Follow these easy steps:

Step 1. Go to the Login Capital One page via the official link.
Step 2. Log in using your username and password. The login screen appears upon successful login.
Step 3. If you still can’t access Capital One Login then see forgot your username and password option.

Frequently Asked Questions (FAQs)

Still have questions? Check out some of the top FAQs on the Capital One VentureOne Rewards credit card below and get the answers you're looking for.

Does the Capital One VentureOne have a foreign transaction fee?

No, this card has no foreign transaction fees. So, you can use it anywhere in the world that accepts it.

Is the Capital One VentureOne hard to get?

People with credit scores below 670 on the FICO scale might struggle to get the VentureOne. If you have a lower credit score, there are still some travel cards for bad or fair credit. They may be easier to get. 

What are the best Capital One VentureOne credit card benefits?

Extended warranty
Rental car insurance
Emergency card replacement
Virtual card numbers
$0 fraud liability
No foreign transaction fees
Miles transfer

What is the Capital One VentureOne maximum credit limit?

The most you can borrow with the Capital One VentureOne Card depends on your credit score. It is set when you apply. Capital One will consider your payment history. They will also look at your credit use, and length of credit history.

About Aedam Jo

Aedam Jo is the Founder and Editor-in-Chief of Lootrs.com. Khunt has scored over 50+ Credit Cards himself. He has also written hundreds of reviews about their benefits, rewards, and fees. You may want cash-back rewards, travel perks, or low APRs. Aedam Jo Credit Card Reviews is here to guide you. We'll guide you through the complex world of credit cards clearly and confidently.

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