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  Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

in Personal Credit Cards from Capital One

Claimed

Capital One Venture Rewards Credit Card

Claimed

in Personal Credit Cards from Capital One

SuperMoney Net Recommendation Score +67

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +67, equating to 4.3 on a 5 point rating scale.

+67

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

7 users recommend
1 user is unsure
1 user doesn't recommend
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Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 17.24% - 24.49%
Balance Transfer APR  (Variable APR) 17.24% - 24.49%
Credit Score Range 700 - 850
Annual Fee $95
Number of Reviews 9

Capital One Venture Rewards Credit Card Review

This is a rewards credit card issued by Capital One. If you're wondering whether Capital One Venture Rewards Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 10 miles per dollar spent.
  • Signup bonus. Offers a signup bonus of 60000 points after spending $3,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.24% up to 24.49%.
  • Annual fee waived the first year. Capital One Venture Rewards Credit Card gives you the chance to have the card for a year without paying the $95 annual fee.
  • 3% Balance transfer fee. Capital One Venture Rewards Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Capital One Venture Rewards Credit Card
The Good The Bad
  • $0 annual fee for the first year, $95 thereafter.
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Capital One Venture Rewards Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Charges an annual fee of $95
  • Charges a 3% balance transfer fee.
Capital One Venture Rewards Credit Card FAQ

Does Capital One Venture Rewards Credit Card have a cash back or rewards program?

Capital One Venture Rewards Credit Card is a travel rewards card.

Capital One Venture Rewards Credit Card Rewards
Minimum rewards rate 2x
Max rewards rate 10x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 60000
Signup Bonus Spend Requirement $3000
Signup Bonus Spend Period (months) 3 months

Does Capital One Venture Rewards Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 60000 points signup bonus after spending $3000 that can be redeemed for travel, gifts, or other perks.

Does Capital One Venture Rewards Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Capital One Venture Rewards Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Capital One Venture Rewards Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR that ranges from 17.24% up to 24.49%. The card has a variable balance transfer APR that ranges from 17.24% up to 24.49%. It also has a variable cash advance APR of 24.49% .

Does Capital One Venture Rewards Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Capital One Venture Rewards Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Capital One Venture Rewards Credit Card?

The following fees apply:

Capital One Venture Rewards Credit Card Fees
Fees Amount
Annual Fee $95
Foreign Transaction Fee 0%
Late Payment Fee up to $39

Does Capital One Venture Rewards Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

How do people rate the customer service and user experience of Capital One Venture Rewards Credit Card?

Overall, Capital One Venture Rewards Credit Card is strongly recommended based on community reviews that rate customer service and user experience.

Does Capital One Venture Rewards Credit Card report your account activity to credit bureaus?

Yes, Capital One Venture Rewards Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Capital One Venture Rewards Credit Card

  • Visit the Capital One Venture Rewards Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) Earn unlimited 2X miles per dollar on every purchase, every day. Earn 10X miles on thousands of hotels.
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Annual Fee First Year
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $95
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
No Reward Expiration Period
Rewards Categories
  • 2x Miles on Every Purchase
Signup Bonus (points) 60,000
Cash Advance APR (Variable APR) 24.49%
Balance Computation average daily balance (including new transactions).
Purchase APR (Variable APR) 17.24% - 24.49%
Balance Transfer APR (Variable APR) 17.24% - 24.49%
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
  • Bonus Offers
  • Rewards
  • Travel
Card Network Visa

Capital One Venture Rewards Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +67, equating to 4.3 on a 5 point rating scale.

+67

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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