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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.
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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.
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
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
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.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
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
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.
No annual fee
Sign-up bonus
Rewards on purchases
Great intro APR
No foreign transaction fee
Mediocre rewards rate
No bonus categories
$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.
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
Best for cash rewards on everyday spending
$200 cash rewards
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
2% cash rewards
Earn unlimited 2% cash rewards on purchases.
Intro:
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 12 months from account opening
Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers
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
Best for cash back on rotating categories
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.
4.00/5
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
Best for unlimited rewards on purchases
25,000 points
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
1.5 points per dollar
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open.
Intro:
0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 19.24% - 29.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers.
Purchases: 0% Intro APR for 15 billing cycles for purchases
Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
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% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time. (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.
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.
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
The Capital One VentureOne Rewards Credit Card is a Mastercard.
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.
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 (See rates and fees.)
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JPMorgan Chase is an advertising partner of The Ascent, a Motley Fool company. Discover Financial Services 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.
The Motley Fool owns shares of and recommends Visa.
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