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Offered by: Capital One
Apply by phone: 1-866-960-8706

Capital One® Venture® Rewards Credit Card

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want-no blackout dates
  • Miles don't expire and there’s no limit to how many you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
705
Typical Low: 616
Typical High: 805
   

N/A

13.9% – 20.9%*

N/A

13.9% – 20.9%*

 

Variable

 

Variable

Additional Details

Click here for Additional Details

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate

24.9%* Variable

Annual Fee

$0 intro for first year; $59 after that

Late Fee

Up to $35

Cash Advance Fee

See Terms

Balance Transfer Fee

$0

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost

$0

$0

$0

Interest Savings on Transferred Balance

$0

$0

$0

Interest Savings on New Purchases

$0

$0

$0

Value of Rewards on New Purchases

$912

$912

$912

Value of Bonus Points

$400

$0

$0

Annual & Application Fees

$0

‑$59

‑$59

 

Savings

Total Annual Savings

$1,312

$853

$853

Total Savings over 3 Years

$3,018

Credit Card Usage Profile

Transfer a Balance
Edit
  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $0 intro for first year; $59 after that
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders by ...

Current Balance
Credit Limit Utilized

Sample Size: 649
Data Created: February 02, 2015



52 Cardholder Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Recent Reviews

Approved with EX 684 score Helpful to 3 out of 3 people

Have Capital One Platinum with $300 CL, which is paid off and had another closed Capital One card with $500 also paid off recently. Applied today for Venture Rewards and approved for 10,000 CL but at 20.9%. Also have been approved recently (within last month) for Chase Sapphire Preferred Visa Signature, Citi AAdvantage Platinum Select World Master Card, Discover it & Amex Blue Cash Everyday. This is it for me as applying for cards for a long time. Going to do some gardening with these and increase my CLs. My income is 60,000 and AAoA is 10 years. Been with capital One on older accounts for 5 years as well. CK had my approval chances as "fair" so if you have the requirements that I have or better, you should be approved for this card with a high CL.

Slimdog27's response was:    

 
Feb 13, 2015

Slimdog27(6, 21)

Great card for everyday use Helpful to 2 out of 2 people

I've really had only good experiences with this card so far. I was extended a great credit limit right off the bat, and the bonus paid for a major flight purchase. Since then, the reward rate at 2% is nearly unbeatable (without a bunch of hassle with categories or anything like that. Plus, they caught an instance of fraud on the account super quickly.

Feb 11, 2015
Instant Approal good limit Helpful to 3 out of 4 people

got appoved 10k with  my AAoA at 1.8 years and recent cc app spree done last year. locked in at 16.9% which is not to bad when compared to other cards i have (discover). i know this is not a prime card but i knew i would get a good limit which this card is my second highest limit coming in first with my amex gold premier rewards.

KingBishop89's response was:    

 
Feb 09, 2015

KingBishop89(10, 15)

Top Contributor

Not as good as it used to be Helpful to 3 out of 5 people

I've had this card for about 6 years, and have always been happy with it until recently. The customer service has decreased dramatically. I used to call and chat with someone whenever I had an issue and they were always super friendly and helpful, answered all of my questions and basically just talked to me like I was an intelligent human being.  Recently, there were some fraudulent charges made to my card, so I called customer service to have them reversed.  Capital One definitely took care of the charges, that was not the issue.  The issue was that the people that they have managing the call center now don't talk to you like you are a person - they read from scripts and do that obnoxious placating thing where they just repeat what you have just said as if they "understand" but really have no idea what you are actually asking them. It took me 3 phone calls, 4 representatives and an hour and half out of my work day to get this figured out. It was very frustrating. One of the things I really liked about this card was that it was so easy to talk to somone in customer service and have a real conversation. It's obvious that they have outsourced their call centers, which would be fine, except now the reps talk to you like a small child instead of an adult person.

Jan 13, 2015
Still great after a year! Helpful to 9 out of 9 people

I have had this card for a year now. I was initially approved for $5000 with a score of 720, I believe. I think my initial low credit limit had to do with my income averaging just above 40k. I increased my credit limit to $7000 after 6 months and to $9000 after one year. I don't remember what APR I got approved for. I always pay it in full anyway.

Since I got this card I don't use my debit card anymore. To maximize my rewards, I made Venture my every day expenses and bill pay card.

I have earned $682 in rewards during this first year. So the annual fee does not bother me at all. No other credit card, which I was using before, ever came close. That includes Capital One Quicksilver. My wife has Costco Amex and Chase Freedom. She was getting about $300 with Amex. Chase Freedom with rotating categories earned her very little, since she obviously was always forgetting to register for rewards every quarter. YES - if you consider Chase Freedom keep in mind that aside from the fact that you get rotating cheesy categories like Starbucks stores, movie theaters and hardware stores (how much can you spend there to earn decent cash back?), you will get NO rewards if you will fail to sign up every quarter.

Venture lets you pay for everything, everywhere. Jewelry, car down payment, new computer or flat screen TV or a trip to the other side of the globe - you name it. And virtually you can get 2% cash back value (only if you will redeem it towards travel related purchases). 

If you travel sometimes this card could be a great choice. The card has no foreign transaction fees and currency exchange rates are really good. During our trip to Europe last year it was actually better to use my Venture card instead of exchanging cash ahead of the trip or during it.  Who knew? I just made sure to pay in local currency every time and let Capital One apply exchange rate. I did not get a better exchange rate anywhere else - period.

Customer service is outstanding and I have never waited more than few seconds to get connected. 

In my opinion, the only card that can beat Venture is Citi Double Cash card, but keep in mind that Citi Double Cash has 3% foreign transaction fee. 

Jan 08, 2015

See all 52 Reviews of Capital One® Venture® Rewards Credit Card

† These Approval Odds represent Credit Karma’s estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to you.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from August 2014 through January 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.