Last Updated: 05/14/2026
SuperMoney User Recommendation Score +57
Strongly recommended14 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
19.99% - 28.99%(Verified 10/06/2025)
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Balance Transfer APR (Variable APR)
19.99% - 28.99%(Verified 10/06/2025)
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Credit Score Range
700 - 850
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Annual Fee
$95
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Number of Reviews
Capital One Venture Rewards Credit Card Review
This is a travel card issued by Capital One. If you're wondering whether Capital One Venture Rewards Credit Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 5 miles per dollar spent.
- 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.99% up to 28.99%.
- A 4% balance transfer fee. Capital One Venture Rewards Credit Card charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 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 Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Capital One Venture Rewards Credit Card
| The Good | The Bad |
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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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Car Rentals | Up to 5 x miles | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | 5 x miles (5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 2 x miles (2 Miles per dollar on every purchase, every day.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Capital One Venture Rewards Credit Card have a signup bonus?
Yes. 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
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?
Capital One Venture Rewards Credit Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Capital One Venture Rewards Credit Card has a variable purchase APR that ranges from 19.99% up to 28.99%. The card has a variable balance transfer APR that ranges from 19.99% up to 28.99%. It also has a variable cash advance APR of 28.99% .
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $95.
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.What is the customer service phone number for Capital One Venture Rewards Credit Card?
The customer service number for Capital One Venture Rewards Credit Card is (877) 383-4802.
What is the support contact email for Capital One Venture Rewards Credit Card?
The support contact email for Capital One Venture Rewards Credit Card is support@capitalone.com.
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 to the following credit bureaus:
- 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 build your credit.
Does Capital One perform a hard credit pull?
Yes, Capital One Venture Rewards Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Capital One Venture Rewards Credit Card
- Visit the website of Capital One Venture Rewards Credit Card.
- 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.
Capital One Venture Rewards Credit Card Disclosure: SuperMoney has partnered with CardRatings for our coverage of credit card products. SuperMoney and CardRatings may receive a commission from card issuers.
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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Purchase APR
28.99%
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Balance Transfer APR
28.99%
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Credit Score Range
630 - 750
300
850
Annual Fee
$0
Sponsored
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
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Credit Score Range
640 - 700
300
850
Annual Fee
$39
Purchase APR
18.49% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
18.49% - 28.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Credit Score Range
640 - 720
300
850
Annual Fee
$0
Purchase APR
18.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
300 - 550
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.49% - 25.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 25.49%
Disclaimer popup with additional information
Credit Score Range
750 - 850
300
850
Annual Fee
$95
Purchase APR
15.24% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
15.24% - 26.99%
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Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
17.99% - 27.74%
Disclaimer popup with additional information
Balance Transfer APR
17.99% - 27.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.9% - 25.74%
Disclaimer popup with additional information
Balance Transfer APR
15.9% - 25.74%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +57, or 4.1 on a 5-point rating scale.
+57
-1000+100
No one recommends
Everyone recommends
Capital One Venture Rewards Credit Card Community Reviews
Would you recommend Capital One Venture Rewards Credit Card to your friends?
Ji L.
Jan 24, 2023
May or may not recommend
Although this card charges a $95 annual fee, I've had multiple flights paid for by my reward points. It offers great travel benefits like access to the Capital One airport lounges, travel insurance, discounted travel deals etc. The Capital One app is also easy to use and I can pull up my virtual card straight from the app if I don't have the physical card on hand. I can also ...Show More
Mohammed M.
Mar 4, 2022
May or may not recommend
These guys are ok...Customer service is good but they're interest rates are a little high
JG
Jennifer G.
Feb 16, 2022
May or may not recommend
I personally really like this card, but would really only recommend it based on what you are looking for. The card is not for everyone. My partner and I were looking for a card where we can earn miles, and this is a great card for that. However, it's not a perfect card. It does have an annual fee and high APR and you need high credit to get it. ...Show More
JN
Joel N.
Dec 21, 2021
May or may not recommend
I wouldn't recommend this card. Very high interest rates and has an annual fee. The only good thing with this card is that you get 2 miles per dollar and zero foreign transaction fees.
ES
Emily S.
Jun 23, 2021
May or may not recommend
Worth if you travel a lot because you earn 2 miles for every dollar you spend. There is a 95 dollar annual fee for this card though but you'll make it back up if you also redeem your rewards with PayPal. You can receive a 100 dollar bonus if you use the card for tsa global entry. You get many perks with this card from couponing, 24 hour assistance, and ...Show More
AD
Amanda D.
Nov 7, 2020
May or may not recommend
This card caught my attention when I saw it on the list of U.S. News Best Credit Cards Awards of 2020 for Travel, Rewards and Airline categories.
For every dollar you spend, you earn 2 miles. This is excellent if you’re looking to earn miles towards your travels.
You can even earn 50,000 bonus miles when you spend $3,000 on your card within three months of opening it or 100,000 bonus ...Show More
VA
Victor A.
Nov 4, 2020
May or may not recommend
If your travel and are responsible with your expenses, this is a fantastic card. This card has got me to two countries overseas just from the points I have built up. While I was overseas on one trip I stacked up points during the trip for my next flight. Again, you have to be responsible, but if you are this is a great card.
MJ
Michael J.
Oct 26, 2020
May or may not recommend
I’ve had one of these cards for the last five years, and it has been amazingly easy to use. I can pay it off on their website in moments, plus they sort out all the purchases I make so I can tell what I’m being charged for every time. It’s also easy to use my travel miles, as the website lets me select which travel expenses I wish to cover. ...Show More
MC
Michelle C.
Jan 7, 2020
May or may not recommend
Venture card not only accumulates points for any travel expenses, but offers multiple other benefits, even including travel insurance. They have updated technology with text alerts, easy ways to pay and security tracking! Lastly, but to me most important, is their customer service. It stands heads above any other cards that I have. Even if you dont travel often, the accumulating points can be used on anything travel related, so ...Show More
JM
John M.
Oct 30, 2019
May or may not recommend
Capitalone CC...Dont ever lose your card in a foreign country, because, it is virtually impossible to have it replaced. The powers to be with this ^#@&^! company, require to scan & send both sides of your current driver's license, & get this, also your SOCAIL SECURITY card. YIKES!! The SS administration advises to keep your card in a safe place & not to carry on your person. I realize this ...Show More
George B.
Mar 7, 2019
May or may not recommend
Outstanding Card & great company, CapOne! Now, they offer 10X miles with hotels.com & airline transfer partners. This is game changing, as the 1.5/1.0 transfer rate to airlines, is among the highest in the industry. The annual fee (waived first year) is just $90 and covers the $100 cost of Global Entry.
My recommendation, is to look into the Avianca Lifemiles program (United partner), as you can use ...Show More
U
Anonymous
May 2, 2015
May or may not recommend
This card comes up with oodles of benefits for those who have wanderlust like me. There are no foreign transaction fees or an annual fee the first year. Thereafter it is only $59. You get 2x for every dollar you spend. As the example they give explains, if you spend $2200 a year on the card you can get a whopping nearly 53k in miles—enough to cover your airline, most ...Show More
U
Anonymous
May 2, 2015
May or may not recommend
I've had other cards that were supposed to be travel cards, but they weren't all that great. The rewards would expire, for one thing, which was really frustrating. Sometimes it takes me awhile to safe for a trip overseas, because I don't want to be irresponsible and go off without the cash to back up my trip. With other rewards programs I've been ready to use them and they're gone. ...Show More
U
Anonymous
May 2, 2015
May or may not recommend
I've had a lot of travel rewards credit cards and I have to tell you that few if not none have a signup bonus this big--20,000 miles with no annual fee. Most of these cards give you a bonus or no annual fee, but usually not both! There are also no balance transfer fees to pay. Score!!
Showing 14 of 14 reviews
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