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Capital One® Venture® Rewards Credit Card

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Card Details

Balance Transfer Intro APR Not Applicable
Balance Transfer Regular APR 12.9% – 22.9%* Variable
Purchase Intro APR Not Applicable
Purchase Regular APR 12.9% – 22.9%* Variable
Annual Fee $0 intro for first year; $59 after that

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Most Helpful Positive Review

Great card with a little catch
Helpful to 111 out of 112 people

 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 Critical Review

Not as good as it used to be
Helpful to 24 out of 33 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.

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Reviews (66)

Helpful to 2 out of 2 people

I am in the process of rebuilding my credit history. With EFX624, TU 695, I was instantly approved for 20K. I needed a credit card with no foreign fee; I do have chase sapphire but I wanted something better. I am so glad that I got this card. I am super excited!

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Helpful to 1 out of 1 people

I am in the process of rebuilding my credit history. With EFX624, TU 695, I was instantly approved for 20K. I needed a credit card with no foreign fee; I do have chase sapphire but I wanted something better. I am so glad that I got this card. I am super excited!

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Helpful to 1 out of 1 people

I love this card. It's slick looking, and it gives me easy flat rewards that I can use towards traveling. Simple, worth it!

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use all of time, love it and them!
Helpful to 3 out of 3 people

I've used the capital one venture card for probably the last ten years. I have never had any problems with ANY issues that arose. Always friendly customer service, in fact they have "looked out for me" when suspicious amounts were charged--double checking with me to ensure they were authorized. Once had a situation where o was in one state, my spouse in another. We used card at basically same time, my charge went through my spouse was denied, and I was alerted about the charge and asked to confirm whether or not authorized.  Nice.  Also had one experience where an airline charged me a ridiculous fee that was a "double" change fee--capital one rep got on phone with me and three-way conversation happened where Capone rep was my advocate and drove the conversation, dealing with snippy airline rep, pushed call to supervisor then manager levels and got the charge removed. We were on phone for something like hour and a half...talking with some call center in India no less. Would highly recommend this company.

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Helpful to 1 out of 1 people

After bankruptcy 4 years ago, I finally got the courage to apply for a credit card. Capitol One obliged. The trick to reestablishing credit is to only spend a little and pay the balance off each month. My credit score after three months has surged from fair to good. Be canny, folks.

pepesassy's reply was:    

Great product w/ good limit
Helpful to 5 out of 6 people

I just applied for the Capital One venture card yesterday and was immediately approved for 10k!!!!!!!  In july, I was pre approved for the Quicksilver Visa Platinum with a credit limit of 3k. Accordind to capital One, my credit score at the time was 674. I have a bankruptcy set to come off my credit report in 2016 and a couple negatives set to come off soon....1 in September 2015 and 2 next year in March and December. If your credit report is similiar to what you see here do not be afraid to apply!!!!! Downside of this is that they pull all 3 credit reports....  :(

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Helpful to 5 out of 6 people

My EQ-654, TU-684, EXP-678... Approved for 15k. My only other cards are a C1 card which was just raised to a $1900 limit a month ago, and a BESTBUY card with a $1600 limit... They consider excellent credit as no late payments in the last 18 months, and no collections in the last 2 years. Id advise you to apply with a live voice via their CSR. They can read you the C1 terms of "EXCELLENT CREDIT" before you apply. There were baout 6 or 7 things she read, none of it applied to me so I let her continue my application. VERY THANKFUL to C1

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Approved, and a big fan of Capital One
Helpful to 4 out of 5 people

I am a big fan of Capital One for my everyday banking, and wanted a credit card with excellent rewards from them. I have an excellent credit score (803 on Credit Karma), only significant debt are my student loans, pay my one other credit card in full every month, etc. Credit Karma listed my Approval Odds as only "Fair" (which was confusing, because I had "Very High" approval odds for cards that are reputed to be much harder to get), but I decided to try anyway. I was approved instantly with a $15,000 credit limit. I can't wait to take advantage of the travel rewards with this card. Thanks, Capital One!

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Helpful to 1 out of 1 people

Only reason why I applied was because everyone else was getting approved post BK. My BK (bankruptcy) was discharged april 2009. Capital One was not included in the BK. I started with them to rebuild my credit. Here I am now, sitting here with an approval, 700-730 credit score. Ranging from all 3 credit bureaus. Was approved for 15,000.00 credit limit. This was july 2015. Thanks capital one. Now I actually have a card that I can carry in my wallet. People that have bankruptcies know how hard it is to find a creditor to leave 15,000 in you wallet. Accessibly. Thank you!

Credit Karma said I had POOR approval odds. I however was approved. :)

I do not have any other collections and all accounts are paid, never have had ANY lates after BK.

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brandonldiaz's review was:    

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very impressed
Helpful to 5 out of 5 people

CK gave me a POOR approval odds. I applied w a 632 experian credit score. I have several positive aspects and ZERO negative aspects on my credit, still have never understood why I have a lower score consistently. Several credit cards for several years, personal loans, car loan. ON time payments....immediately approved with a $5000.00 credit limit...Received the card in two business days, going to use the wonderful sign up bonus when I spend 3K and am going to VEGAS! Very excited. 

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Automatic $15k Limit!
Helpful to 4 out of 5 people

I have been on the fence about applying for this card, for the sheer fact that I don't 'need' another credit card or these rewards. I have the Barclay Arrival Plus World Elite  Mastercard which also offers x2 points per net dollar and no foreign transaction fees, but for some reason just wanted to apply due to hearing many people get automatically approved with nice limits. I was pre-qualified on the Capital One site too which made me feel lucky in applying.

I was instantly approved for $15,000 by having my TransUnion report pulled. My TU Fico score is 741, TU score is 696 and Capital One Credit Tracker (I have other Capital One accounts, this is proved by TU) is 686. So I am not sure what score they used since there is a big gap between 686 and 741, but I do have 20% utilization, $90k (now $105k) in overall available credit, and no derogatory marks. I am excited to have this card in my wallet for sure. Best of luck for those who apply!

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TheCreditQueen26's review was:    

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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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Company Overview

Capital One offers numerous credit cards to fit consumers’ needs, including rewards cards, competitive rate cards, student cards, secured cards, and several co-branded cards. Capital One's Card Finder Tool also helps consumers determine which card is the right fit, with a quick online form to determine the best card offers according to each consumer's spending needs and finances, with results in about 60 seconds. Headquartered in Virginia, credit cards are issued by Capital One Bank and available in branch and online. Capital One serves banking customers in branches located primarily in New York, New Jersey, Texas, Louisiana, Maryland, Virginia, and the District of Columbia. Credit cards are available online to all customers nationwide.

Capital One, founded in 1988, is a Fortune 500 company and is a diversified financial services company, offering an array of credit, savings, and loan products for consumer, small business, and commercial clients.

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.

‡ Average score refers to the arithmetic mean and typical low score to the 5th 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 June 2014 through November 2014. 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.

Capital One® Venture® Rewards Credit Card

66 Reviews
Cardholders' Choice i