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

Capital One® VentureOne® Rewards Credit Card

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Earn unlimited 1.25 miles on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases until February 2016; 11.9%-19.9% variable APR after that
  • Travel when you want-no blackout dates
  • No foreign transaction fees
  • Miles don’t expire and there’s no limit to how many you can earn

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
697
Typical Low: 620
Typical High: 775
until February 2016    

0%

11.9% – 19.9%*

N/A

11.9% – 19.9%*

 

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

Late Fee

Up to $35

Cash Advance Fee

3%, Min: $10

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

$570

$570

$570

Value of Bonus Points

$200

$0

$0

Annual & Application Fees

$0

$0

$0

 

Savings

Total Annual Savings

$770

$570

$570

Total Savings over 3 Years

$1,910

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
  • 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: 1,604
Data Created: February 02, 2015



112 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

a game changer Helpful to 3 out of 5 people

does all it says and then some ......love it

lisapinell1221's response was:    

 
Feb 24, 2015
Does what it is supposed to do. Helpful to 18 out of 24 people

I got an offer in the mail for a guaranteed platinum card back when I was starting to rebuild my credit.  I took the offer and the pitiful $300 credit limit that is probably the standard offer for homeless people.  I don't even know what the interest rate was because I never planned to carry a balance.  I simply wanted to make regular payments on something other than my defaulted student loans.  In short time, I got a credit bump and an offer for the VentureOne card.  I took it figuring some rewards are better than no rewards.  Captial One was smart to offer me this card because I am going to end up using it a little more to try to earn a free flight sometime in the next 10 years.  Even with my higher credit limit, I don't think I have much of a chance of stockpiling a lot of miles per month which means the process could take some time.  All the same to me because I just wanted a card to help build my credit and Capital One is achieving that.  Im sum, I use the card to build credit and it is working great for that.  Anything else I get out of the deal is just a plus.       

moveablefeast's response was:    

 
Feb 17, 2015

moveablefeast(1, 18)

Beware of upgrade trickery! Helpful to 17 out of 22 people

I previously had a CapitalOne Platinum card. It had a high interest rate (22.9%) and no rewards, but I was just starting to improve my credit so, no biggie. After working on my credit for a year, I decided to upgrade my CapOne card to get some reward benefits. I called up CapOne and requested the Venture card, but the representative said he could not upgrade me to that card, I would need to go through a full application. However, he said I could be upgraded to the VentureOne card. I didnt want an inquiry on my account so I agreed to the rep's VentureOne offer. I recieved my new card in the mail, but I noticed that my APR did not change. After taking a close look at my billing statment, it seems that CapOne just added the rewards benefits to my account and physically gave me a new card, but I still have the PlatinumCard interest rate! Additionally, online, my card is still listed as "Platinum Mastercard". Bottom line: if youre upgrading an existing account, make sure you're actually getting all the benefits (lower int rate, no foreign transaction fees...etc)!

vitaloca's response was:    

 
Feb 13, 2015

vitaloca(1, 17)

Helpful to 16 out of 17 people

Can't believe some of the reviews I have been reading, they are actually quite humorous. Capital One, as well as any card of your choice that provides any type of rewards program, will only benefit you if you have NO revolving balance. I have been using Capital One for many years and have benefited by using the points rewarded without ever paying $1 in interest charges. Interest rates do not matter if you pay what you owe.

Feb 08, 2015
Needed More Cards First Helpful to 14 out of 20 people

I applied for this credit card to take advantage of travel rewards. Had a TransUnion credit score of 734. Capital One declined my application. They send me a letter explaining that I needed to have more revolving accounts (i.e. other credit cards) in order to be eligible for this one (I only had 1 other card). I should probably have checked credit karma before applying to get some idea of my chance of success. Oh well. Lesson learned.

bl874's response was:    

 
Feb 05, 2015

bl874(2, 17)

See all 112 Reviews of Capital One® VentureOne® 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.