Review
Updated
Fact Checked
Eric McWhinnie
The Capital One VentureOne Rewards Credit Card's competitive rewards rate makes it a good card for modest spenders and for travelers who want to stick to their preferred travel booking methods to find cheap deals, versus redeeming points through an issuers portal. In this Capital One VentureOne Rewards Credit Card review, we’ll look at the pros and cons of this travel card’s many features.
Apply Now for Capital One VentureOne Rewards Credit Card
On Capital One's Secure Website.
Apply Now for Capital One VentureOne Rewards Credit Card
On Capital One's Secure Website.
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Best
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= Excellent
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= Good
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= Fair
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= Poor
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for Capital One VentureOne Rewards Credit Card
On Capital One's Secure Website.
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR
Purchases: 0% intro on purchases for 15 months
Balance Transfers: 0% intro on balance transfers for 15 months (Balance Transfer Fee Applies)
Regular APR
19.99% - 29.99% (Variable)
Rewards Earn unlimited 1.25X miles on every purchase, every day. 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.
1.25X-5X miles
Annual Fee
$0
Welcome Offer 20,000 Miles once you spend $500 on purchases within 3 months from account opening
20,000 Miles
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What really stands out is the incredibly easy-to-earn sign-up bonus. You can earn a 20,000 mile bonus after spending only $500 in your first 3 months (that's like earning 40x miles on that spend!). If a straightforward travel rewards program & sign-up bonus with a low spending hurdle is most important to you, then this card is a very solid pick.
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- No annual fee
- Sign-up bonus
- Rewards on purchases
- Great intro APR
- No foreign transaction fee
- Mediocre rewards rate
- No bonus categories
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- $0 annual fee and no foreign transaction fees
- 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
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Credit card comparison
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
| Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
|---|---|---|---|---|---|
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Discover will match all the cash back you’ve earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 17.24% - 28.24% Variable APR |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Up to $300 cash back Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5% - 5% cash back Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
Intro: 0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months Regular: 20.49% - 29.24% Variable |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
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Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
60,000 bonus points Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. | 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. |
Intro: N/A Purchases: N/A Balance Transfers: N/A Regular: 21.49%-28.49% Variable |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Full Capital One VentureOne review
This credit card is a good fit for: Cardholders who want to earn travel rewards but avoid an annual fee. Those who need extra time to pay for a big purchase can also benefit from this card's introductory 0% APR offer on both new purchases and balance transfers.
Top perks
20,000 Miles welcome bonus
New cardholders can reap this welcome bonus after spending $500 on purchases within 3 months of account opening.
1.25 miles per $1
Earn unlimited 1.25X miles on every purchase, every day. 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. You can also earn an unlimited 5 miles for every $1 you spend on hotels and rental cars booked through Capital One Travel.
No annual fee
This is a great no annual fee card. That's particularly appealing, given the rather full set of features with this card.
0% intro APR for 15 months for purchases and balance transfers
New purchases and balance transfers qualify for a 0% intro APR for 15 months. Note, there is a balance transfer fee of 3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time.
No foreign transaction fee
It's still fairly common for issuers to levy a foreign transaction fee, which tends to hover around 3%. Though that may not sound high, it can add up to substantial outlay if you spend generously abroad.
Flexibility with miles redemption
Many travel cards require their holders to redeem rewards for travel by booking through a proprietary portal. Though you can earn extra points by booking through Capital One Travel, you can also use your card for purchases and use your points to get a statement credit that helps erase purchases.
What could be improved
Longer 0% APRs are available elsewhere
A balance transfer offer is rare in this category, but if you’re seeking a 0% intro offer to pay down credit card debt, other cards offer longer promotional periods. While the Capital One VentureOne Rewards Credit Card offers 0% intro on balance transfers for 15 months (Balance Transfer Fee Applies), best balance transfer credit cards offer up to 21 months with 0% APR. Also, keep in mind that there’s a 3% balance transfer fee. (See rates and fees.)
Not good for frequent travelers
If you book travel frequently using your credit card, better offers are available elsewhere. It may be worth paying an annual fee to get a higher welcome bonus and better redemption rate.
Find the best credit card for your needs
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
Suggested credit score
You should have a FICO® Score of at least 670 to apply for this card; ideally, aim for a score in the 700s. Of course, credit score descriptors are subjective. Fortunately, the issuer provides some guidance. Capital One says that those with excellent credit:
- Have owned a credit card with a limit above $5,000 for at least three years, or managed a loan at the same level and duration.
- Have not defaulted on a loan.
- Have not declared bankruptcy.
- Never paid a credit card statement, medical bill, or loan over 60 days past due.
The Capital One VentureOne is right for you if:
The Capital One VentureOne Rewards Credit Card is one of the better all-around cards targeting the sweet spot between cardholders on a budget and free spenders. It earns miles at a slightly higher clip than many of its flat-rate rewards peers and isn't burdened by an annual fee (which these days can run into the hundreds, even thousands, of dollars).
Travelers are particularly well served by using the card, with a host of breaks including the $0 foreign transaction fee. What makes this card a strong contender is that the non-traveler can also benefit from the well-stocked feature set.
As such, the Capital One VentureOne Rewards Credit Card is an appropriate card for those who want plenty of perks on their plastic, but who don't want to shell out an annual fee for the privilege. It's also suitable for those who aren't eager to navigate their rewards program's various rules, time-limited bonuses, and redemption limits, preferring a more low-maintenance experience.
Read more: Best Credit Cards
Our credit card methodology
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
FAQs
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The Capital One VentureOne Rewards Credit Card is a Mastercard.
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Yes, this card can be upgraded so long as you meet the qualifications for the new card. In most cases, however, you will not be eligible for a sign-up bonus for upgrading to a new Capital One credit card.
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The Capital One Venture Rewards Credit Card offers 2X-5X miles per $1 on purchases, as well as a higher sign-up bonus, but it charges a $95 annual fee.
Our Credit Cards Experts
Elizabeth is a personal finance writer specializing in credit cards, debt repayment, and small business. Her work has appeared on The Motley Fool, MSN Money, Yahoo! Finance, and Business Insider. She’s an avid credit card points collector and perpetual traveler currently living in Costa Rica.
Robin Hartill, CFP®, is a personal finance writer and editor whose work frequently appears in various national publications. She wrote the syndicated “Dear Penny” financial advice column for four years.
Fact Checked
Eric McWhinnie
Eric McWhinnie has been writing and editing digital content since 2010. He specializes in personal finance and investing. He also holds a bachelor’s degree in Finance.
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We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.
Discover Financial Services is an advertising partner of The Ascent, a Motley Fool company. JPMorgan Chase is an advertising partner of The Ascent, a Motley Fool company. Elizabeth Aldrich has no position in any of the stocks mentioned. Robin Hartill has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends JPMorgan Chase, Mastercard, Target, and Visa. The Motley Fool recommends Discover Financial Services and recommends the following options: long January 2025 $370 calls on Mastercard and short January 2025 $380 calls on Mastercard. The Motley Fool has a disclosure policy.
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