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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 March 2016; 11.9%-21.9% 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: 629
Typical High: 771
until March 2016    

0%

11.9% – 21.9%*

N/A

11.9% – 21.9%*

 

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



114 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

Excellent Customer Service Helpful to 9 out of 10 people

I applied and received a 15,000 cl with a 697 score !! I wanted it for bonus points to travel .

bluegeye's response was:    

 
Mar 16, 2015

bluegeye(1, 9)

APPROVED! Helpful to 77 out of 82 people

Credit Karma recommended I apply for Capital One's "VentureOne" card with good approval odds.  I decided to apply, as I'd been working on improving my credit for the past two years.  However, not wanting to just jump in, I researched both cards using Credit Karma's community reviews, credit card metrics, and other credit card boards for opinions, regarding approval.

The general consesus is to use Capital One's "pre-approval" tool.

Based on Capital One's questions/ remarks for defining "Excellent", "Average," or "Rebuilding," I defined my credit as "Excellent" - even though it's far from it:

From Credit Karma:
TransUnion Vantage Score: 687

TransUnion "New Account" (traditional FICO estimate): 629

From Capital One's report:

TransUnion: 642

I chose "Excellent' based on my personal profile of not having the "Average" negative remarks/ notes.  In any case, back to the pre-approval tool, they came back with the VentureOne as a recommendation.  So, I figured I'd apply for the VentureOne - no lie, having Credit Karma's "recommend for you" (and the past couple years of credit rebuilding and the research) gave me the 'courage' to submit.  60 seconds later: APPROVED!

Addional Credit Profile Notes:

GOOD: My credit utilization, deragotory remarks, total accounts (mostly student loans), and credit inquiries were all in "Excellent" status.

BAD: My payment history was very poor (95%), and my average age was poor (4y 7m).

CAVEATS: All of my open/ current accounts have been on-time/ no lates for the past 2-3 years.  My older accounts are student loans approaching 10 years.  Lastly, I have 3 CLOSED/ REMOVED collection accounts.  The most recent (and last) collection was closed less than a month before applying.

I have a decent salary: $63,000.

Additional Credit Card Notes:

This was the first 'real' credit card I applied for in the past 2 years, after being declined.  However, I took note of the reasons why I was declined (Chase Freedom (05/2013) and Macy's (03/2013)  ) and worked on improving the areas noted.

I chose to apply for the VentureOne card because I want to finance a trip to visit family in Florida and future flights/ trips - I live in California.  I also intend to use it for higher expenses, like auto maintenance, to build miles.

In the same 10min window, I applied for both the VentureOne and Quicksilver (approved for both) basically because I'd "burned" a hard inquiry anyways.  I've reviewed my credit reports, and as I thought, I only have one hard credit inquiry for both cards.  I was planning on applying for both eventually anyways, so this was a nice 2 for 1 opportunity.

I hope my review helps some people with similar situations.  I'll re-review the card, after I've had it longer.  But so far, it's working as I'd expected it to, the customer service has been courteous and easy to work with (I had to update my address before receiveng the card), and the website is user-friendly.

MichaelintheLBC's response was:    

 
Mar 11, 2015
a game changer Helpful to 7 out of 15 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 34 out of 42 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, 34)

Beware of upgrade trickery! Helpful to 45 out of 57 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, 45)

See all 114 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 September 2014 through February 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.