Features

Who is the Capital One VentureOne Designed For?

Capital One's VentureOne card is an attractive option for people with excellent credit who want a travel rewards program but don't want to pay an annual fee. Although Venture One's signup bonus and rewards rate are not quite as high as those of prime cards with an annual fee, it does give them a run for their money.

What are the Interest Rates?

Interest rates range from 12.24% to 22.24% APR, which is competitive as many travel reward cards have interest rates of up to 25% APR. However, during 2015 all purchases come with a 0% introductory APR. Unfortunately the introductory offer does not apply to balance transfers, which pay the regular 11.9% to 19.9% APR. The good news is there's no balance transfer fee to worry about.

What Are the Fees?

VentureOne has no annual fee, no foreign transaction fees and no balance transfer fees. There is a $35 fee for late payments and returned payments, and a $10 or 3% fee (whichever is greater), if you make a cash withdrawal on your credit card.

What Is the Rewards Program Like?

VentureOne has a no-hassle travel reward program that gives you 1.25 miles for every dollar you spend. The miles can then be used as currency to pay for any travel purchase made your card. Every mile is worth $0.01.

What about the Signup Bonus?

Capital One's VentureOne has a 20,000 miles signup bonus for new members: one of the largest available for a no-annual-fee card. To qualify for the bonus, members must spend at least $1,000 within the first three months of opening the account.

Any Other Benefits?

As a Capital One credit card, VentureOne provides free and unlimited access to your TransUnion credit score through its Credit Tracker service. Credit Tracker also includes a what-if simulator that allows you to see what effect financial decisions could have on your credit score.

The card also includes all the benefits that come with a Visa Signature, such as extended warranty on purchases, travel upgrades at hotels and resorts, 24-hour travel assistance services and special access to events.

How Is It Better Than Other Credit Cards?

The VentureOne offers low interest rates, a large signup bonus and a hassle-free rewards program without an annual fee: a win-win-win combination. The only catch is that it requires excellent credit to qualify, which means members who qualify for VentureOne could also qualify for prime travel reward cards with higher signup bonuses and better points reward rates.

  • Card Type
    Low APR Rewards
  • Customer Type
    Personal
  • Card Network
    Other
  • Minimum Age
    18
  • Co-signing Allowed
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $35
  • Minimum Interest Charge
    $1
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    12.24% - 22.24%
  • Transfer Fee
    3%
  • Balance Transfer APR
    12.24% - 22.24%
js-table-filter bizname-capital-one--quicksilver-cash-rewards-credit-card
0
js-table-filter ccard-type-139
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
13.24
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1994

  • Cashback
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Low APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
Intro APR period (months) 9
092
js-table-filter bizname-capital-one-platinum-card
0
js-table-filter ccard-type-139
js-table-filter ccard-type-136
js-table-filter free-fico-score-575
24.99
js-table-filter no-annual-fee-238
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114

Est. 1988

  • Free FICO Score
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Low APR
Card Type Rewards
Purchases APR 24.99%
Balance Transfer APR 24.99%
089
js-table-filter bizname-capital-one-classic-platinum
0
js-table-filter ccard-type-139
js-table-filter ccard-type-136
js-table-filter free-fico-score-575
24.99
js-table-filter no-annual-fee-238
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114

Est. 1994

  • Free FICO Score
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Low APR
Card Type Rewards
Purchases APR 24.99%
Balance Transfer APR 24.99%
087
js-table-filter bizname-capital-one--secured-mastercard
0
js-table-filter ccard-type-138
24.99
js-table-filter no-annual-fee-238
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-132
js-table-filter credit-required-113

Est. 1994

  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Secured
Purchases APR 24.99%
Balance Transfer APR 24.99%
084
js-table-filter bizname-capital-one--ventureone-rewards
js-table-filter air-miles-136
0
js-table-filter ccard-type-139
js-table-filter ccard-type-136
12.24
js-table-filter travel-143
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-140
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1994

  • Air Miles
  • Travel
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Low APR
Card Type Rewards
Purchases APR 12.24%
Balance Transfer APR 12.24%
086
js-table-filter bizname-capital-one--venture-rewards
js-table-filter airlines-140
59
js-table-filter ccard-type-139
js-table-filter ccard-type-136
js-table-filter points-137
13.24
js-table-filter travel-143
js-table-filter no-annual-fee-first-year-225
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter card-type-140
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1994

  • Airlines
  • Points
  • Travel
  • No Annual Fee First Year
  • 0% Introductory APR
  • No Foreign Transaction Fee
Annual Fee $59
Card Type Low APR
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
083
js-table-filter bizname-capital-one--quicksilverone-cash-rewards-credit-card
39
js-table-filter ccard-type-139
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter free-fico-score-575
23.24
0
js-table-filter no-introductory-apr-350
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114

Est. 1994

  • Cashback
  • Free FICO Score
  • 0% Introductory APR
  • No Foreign Transaction Fee
Annual Fee $39
Card Type Low APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 23.24%
Balance Transfer APR 23.24%
Intro APR period (months) 9
081
js-table-filter bizname-playstation-card-from-capital-one
0
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
14.24
js-table-filter restaurants-142
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115

Est. 1994

  • Every Purchase
  • Points
  • Restaurants
  • No Annual Fee
  • 0% Introductory APR
Card Type Rewards
Purchases APR 14.24%
Balance Transfer APR 14.24%
006
Load More Products

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...

Reviews

Write a Review

Sort by:

  • Rating
  • Date
  • Most Useful

0 votes

Customer service for this place is stellar. I thought I was missing some points and I called to find out what happened. It turned out that I wasn't actually missing any points, but the customer service person took my problem really seriously. She totally and thoroughly looked into the issue and even checked with a supervisor to make sure that I wasn't missing any points. She was totally polite the whole time.


0 votes

What a great deal! No annual fee the first year; no foreign transaction fees and not even a transfer fee!! The latter is really unheard of. Of course, you have to get invited into this elite club by having excellent credit. I would suggest if your your credit score is not at least 750 waiting until you can get it up to that or higher before applying.


0 votes

Love initial welcome perks on cards, like this one. Just spend $3,000 on purchases in the first three months and you get a load of points--40,000, to be exact. Enough for a lot of really good things, including an airline flight. And the rewards don't expire--so plan that trip!


0 votes

In addition to being an all around great card, this one also gives you access to your credit score, which I find really handy. My APR is good, too, at 13.99%. Glad I bothered to fill out the application, which by the way wasn't too difficult.


0 votes

If you travel a lot, you know that not paying foreign transaction fees is really important. You can get all of the points, etc., in the world and it can be eaten up with one foreign transaction fee. This card doesn't charge any of those fees, and for that reason it is my go to card for travel. Not to mention the other perks like lots of mileage when you spend.


0 votes

It would be nice if I got a better APR than I did, despite great credit. I got what appears to be almost their highest ast 19.99%. I'm not clear on why and when I called they couldn't adequately explain to me, either. Other than that, pretty good. No annual fee the first year.


0 votes

I looked high and low for a credit card that gave reward points for travel that doesn't gouge you with fees, like an annual transaction fee. (It does go up to $59 the second year--but that's not too bad). I think the fact that the rewards don't expire is absolutely amazing, and Im glad that I applied and got a card!


0 votes

If you have excellent credit, this is an excellent credit card. You get 2 miles for every two dollars you spend on the card. If you use the the card all of the time, this means that you'll end up with a lot of miles before you know it. And there is no limit to how many you can earn.


0 votes

Keep in mind that this card is for people with excellent credit. I wouldn't get a ding on your credit just trying this out unless you have a really good FICO score. Mine is good and I got approved and have the card, but I have a friend who didn't get one, because his credit is a little low. Other than that it's been a great experience having this card.


0 votes

Excellent card if you travel a lot like I do. You a whopping 2 miles for every dollar you spend on the card, which can really add up. Keep in mind, though, that it's really a traveler's card. If you don't travel much, I wouldn't recommend getting it.Your rewards are greatly cut back when you use them for other than travel related items.


0 votes

I am thrilled with the whole experience of having a Venture card. From the fact that I don't have to pay an annual fee the first year to the fact that there is a onetime signup bonus of 40,000--which is equivalent to $400! And they credited my account with the money really quickly!


0 votes

Nice little card for the frequent traveler. Keep in mind that there is an annual fee after the first year of $59, so make sure that you travel enough for this to make sense. I would also suggest taking advantage of the one time bonus at the beginning of having the card that gives you a big 40,000 miles if you spend enough money in the first three months.


0 votes

I was blown away that there is no transfer fee on this card. How that is possible, I don't know, and I'm not going to ask! I just enjoyed transferring some big balance credit cards to this nice card.The APR is much better on this card for me at 13.99%.


0 votes

This card is pretty much just for traveling, but the good news is that the points you accumulate don't expire. If you're like me and only travel when you can afford it, which may be every two years or so, that not expiring really means a lot. I have a bunch of miles that have added up I'll be using this coming summer.

0 votes

If you travel every once in a while or go on a big vacation every few years, this card is great. If you plan on spending more than 8k a year than go for the other venture card. You'll get double points instead of 1.25. Otherwise, this is the best miles card. You get 1.25 miles/dollar on everything. If you are redeeming for travel, prices are in line with other sites like travelocity and orbitz. Definitely don't redeem the miles for cash. You WILL get jipped. 5,000 miles is good ... for $50 towards travel but only $25 in cashback. The customer service is good on most days. There are always those rude or non-cooperative people but it doesn't happen too often. My only gripe with Capital One right now is the credit limit I have with them ($3,000). I have been trying to get it increased for over a year with no luck. The limit has stopped me from making some really big purchases with them. Their loss though. More Less


New Review for Capital One - VentureOne Rewards

Rate your experience:

Cancel