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Capital One® Venture® Rewards Credit Card

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Ratings by Category

Application Process
Customer Service
Cardholder Ratings
4.5 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR 13.24% - 23.24%* Variable
  • Annual Fee $0 intro for first year; $59 after that
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 13.24% - 23.24%* Variable

Most Helpful Positive Review

Oct 11, 2014
Great card with a little catch
Anonymous Cardholder

 opened the Venture account at the beginning of 2014. So far I have earned 40,000 points and that does not include 20,000 initial spending bonus. You get 2 points for every dollar spent. The only catch is, that when you redeem your points for rewards you will get 1 dollar for each 100 points only if you redeem for travel related purchases. Having that said there are many options to choose from: airfare, trains, coach buses, hotels, car rentals. So if you like traveling you will have no problem to reddem your rewards and get basically 2% cash back value. If you choose an acoount credit or check yopu will get only 50 cents for 100 points.

I think it is a great card. I have Capital One Quicksilver and with it I never came close to rewards that I earned with Venture. I calculated that with the $59 annual fee you will earn more than with 1.5% cash back card if you will spend more than $11200 annually. On the top of it customer service is great. In one instance I was short 800 points to erase a $250 airfare purchase. The missing points were given to me  y customer service! The card is a Visa Signature which gives you some extra deals here and there and there is never any wait to connect to customer service representative.

As far as APR I really do not care about it cause I never carry a balance. If you cannot pay your balance in full you shoudn't be getting this card. Your rewards will quickly be eaten by interest.

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Most Helpful Negative Review

Jan 13, 2015
Not as good as it used to be
Anonymous Cardholder

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.

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Reviews (203)

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Aug 24, 2016
bad

They really like to put hard inquiry and turn you down no matter what score you got. 

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Aug 23, 2016
Was nervous applying to be denied
Anonymous Cardholder

My score was 640 and I was approved 5,000 I can't believe got approved. Thank you so much Capital one.

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Aug 22, 2016
Approved with 700 score
jmillion Cardholder

I was tense about applying for this one one, but wanted to get my number of accounts up by one more and Credit Karma said I had a good chance with this one. I was approved for $15k. I'm currently at a higher utilization than I want so I'm tranferring balances and working towards lowering them. I can only speak from my personal experience, but so far, so good.

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Aug 19, 2016

myscores are way different than what this site states, says a 698, but I had it ran today, it was a 601, not as implied by this company, so dont trust what you see unless its from the credit burea its self,

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Aug 10, 2016
Anonymous

Is not good , my crede is good and I was denai

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Aug 10, 2016
Excellent
Anonymous

Excellent card to gain a hard inquiry 

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Aug 10, 2016
Credit score destroy
Anonymous

They love to put hard inquiry and turn you down no matter what score you got. 

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Aug 10, 2016
The hard inquiry card

The easiest way to get let down even with an excellent credit score is to apply for this card. 

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Sample Size: 649
Data Created: February 02, 2015

Note: Sample data consists of Credit Karma members who hold this card.
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Capital One® Venture® Rewards Credit Card

203 Reviews
Cardholders' Choice i