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Capital One® Venture® Rewards Credit Card

Cardholders' Choice i
Approval Odds
Cardholder (58 Reviews)
Application Process
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4.224100112915 5
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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 103 out of 104 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 17 out of 26 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 (58)

very impressed
Helpful to 3 out of 3 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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Approved!
Helpful to 8 out of 9 people

Worried that I wouldn't get approved... Being that Capital One "Stated" on the terms... "This Card Is For Excellent Credit".... "Credit Karma" told me my odds for an approval was fair.... But of course, I went with Credit Karma... Applied and....?Wait for it......... APPROVED $10,000 limit 3YRS post BK... Boom!💣

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It's a great credit card
Helpful to 2 out of 3 people

Customer service is excellent and it gives you 1.25 miles for every dollar you spend in every purchase. I've recently file for bankruptcy chapter #7 cause I lost an apartment I was approved for 7500 and so far it's great they give you a bonus 20000 miles if you spend 1000 dollars in the first 3 months the only catch is that 100 miles = to 1 dollar but with that said if you can use it and pay it in ful every month you're getting a great deal otherwise your miles get eaten by the interest. 

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PedroVenereo's review was:    

 
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As always, Thank you Capital One!
Helpful to 11 out of 12 people

My current CK scores are 611 and 644 (I have no clue why one score is 611). My Fico scores are 622,681,651. I began my rebuilding journey in January 2015 with scores in the 550's. My first card was a Cap1 secured ($200 CL with $49 deposit) followed one month later with a Quicksilver1 for $500. To say that they have been pivotal in my rebuilding journey would be a vast understatement. 

Let's fast forward to June and my approval today for $5K for the Venture Visa Signature card with Capital One!!!  I have a Signature Visa and am now eligible for the perks of a prime card!

I am overly appreciative of the fact that Capital One continues to grow with me during my credit rebuilding journey and I will continually recommend them to friends and family. I have been approved with other banks but always pull out a Capital One card for charges. They will earn my swipe fees for life.

Thanks again Capital One!

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Excellent card!
Helpful to 4 out of 4 people

I applied for this card about 2 months ago with a 744 score and got an instant approval of 20k.  Great rewards on here!  I can spend what I need to without going over the 30% ut.  Never an issue.  Good for business & pleasure.  Just cashed in my second of rewards.  Decided to app for another since the site said I was pre-approved.  Got another card with another 20k limit!  Just got my rewards on this one!  Loving Cap One right now!

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Floridabiker777's review was:    

 
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Capital One is the best CC issuer
Helpful to 9 out of 9 people

Capital One is the most underrated credit card company I know, here is my reasoning,  my credit was ruined by a relative who stole my identity, and because of the sensitive nature of the fraud, I couldn’t report him to Police so I took the hit on my credit, one of the credit card companies that was hurt by my relatives  actions was Capital One.

After approx 4 years of shot credit I decided to try my luck in rebuilding, I applied for a US bank secured card but was declined, so I tried for a capital one secured account and was shocked that they approved me for a $200 credit line with only $50 security deposit, a month later I applied for a unsecured Capital One account and I was approved for $500 with the credit steps that would give me a $750 CL after 5 months of paying minimum payments, but when the 5 months was over I was shocked to see that they gave me a $1500 CLI which brought my credit limit up to $2000 , 6 months later my line was increased to $5000 and my card was upgraded to a Quicksilver World card.

Now less than 2 years after getting my secured account I have a $6k CL and I recently applied for a GM card by Capital one and was approved for a $5k limit and a month later I used Capital Ones Prequalify feature and was told that I’m pre-qualified for a Venture card, I was skeptical because I already had $11k of unsecured credit from capital One and my credit is still not perfect, I was also recently declined by Chase and Barclays, but I decided to take the risk of a credit pull and clicked on the apply button, and guess what I got a $10k limit instantly.

Final line Capital One has one of the greatest products, and they take a chance even if they were hurt by you in the past, be nice to them and they will be nice to you in return (I used my cards for over $5k per month).

The only downside is that they pull your credit from each credit bureau which really sucks, its like applying from 3 different providers and only getting one card in return, but being that I'm not planning in getting any new credit in the near future its a hit that I can take.

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Capital one is the best
Helpful to 3 out of 3 people

Capital One is the most underrated credit card company I know, here is my reasoning,  my credit was ruined by a relative who stole my identity, and because of the sensitive nature of the fraud, I couldn’t report him to Police so I took the hit on my credit, one of the credit card companies that was hurt by my relatives  actions was Capital One.

After approx 4 years of shot credit I decided to try my luck in rebuilding, I applied for a US bank secured card but was declined, so I tried for a capital one secured account and was shocked that they approved me for a $200 credit line with only $50 security deposit, a month later I applied for a unsecured Capital One account and I was approved for $500 with the credit steps that would give me a $750 CL after 5 months of paying minimum payments, but when the 5 months was over I was shocked to see that they gave me a $1500 CLI which brought my credit limit up to $2000 , 6 months later my line was increased to $5000 and my card was upgraded to a Quicksilver World card.

Now less than 2 years after getting my secured account I have a $6k CL and I recently applied for a GM card by Capital one and was approved for a $5k limit and a month later I used Capital Ones Prequalify feature and was told that I’m pre-qualified for a Venture card, I was skeptical because I already had $11k of unsecured credit from capital One and my credit is still not perfect, I was also recently declined by Chase and Barclays, but I decided to take the risk of a credit pull and clicked on the apply button, and guess what I got a $10k limit instantly.

Final line Capital One has one of the greatest products, and they take a chance even if they were hurt by you in the past, be nice to them and they will be nice to you in return (I used my cards for over $5k per month).

The only downside is that they pull your credit from each credit bureau which really sucks, its like applying from 3 different providers and only getting one card in return, but being that I'm not planning in getting any new credit in the near future its a hit that I can take.

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You Can't Beat Capital One!
Helpful to 3 out of 3 people

Since I started the rebuilding process almost 3 years ago, Capital One has been instrumental in that process.  Approved for a 15K CL, online, in less than a minute.  Several years ago I started a 500 CL with QuicksilverOne card, now at 6K CL.  CK Vantage scores TU 728 / EQ 748 but FICO scores in the upper 600s.  I attribute the variance in scores due to the fact I have 3 old paid collections (set to fall off next year).  Vantage doesn't factor in paid collections which is probably why my score is much higher.  Used the prequalify tool in which the Venture card came up first.  Though the VentureOne card had a decent 0% APR period through next June, in long term I felt this card is much better with unlimited 2X rewards and 40K miles on 3K spend.  Where other banks (i.e. Chase & Discover) would be hesitant to give 2nd chances, Cap One is willing to give others the benefit of the doubt if you show improvement.  If you're lokking for a card with decent rewards and decent limits, look no further.   

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hulkamaniac69's review was:    

 
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Disbelief....
Helpful to 6 out of 7 people

CK said I had very poor chances of getting this card or even the venture one card. I got instant approval for 10k. I have a capital one Journey student card with a 500.00 limit. I've had the card for about 3 months. I've made on time payments in FULL. I also have the Discover It Student card with a 500.00 limit. Always paid these cards in full and utlization under 20%. My credit score has gradually increased. My CK credit scores were 629 and 630 but my FICO scores were 646 and 650 when I applied. I really think it is because of my history with Capital One that I was approved for this card. Also my income is  65k. I have never had a credit card with a 10k limit in my life...or even 1k limit. So I am so stoked about this. I really would like to see how this will affect my credit score. By the way I had 3 inquiries on my credit, 2 collections ( 1 medical bill and something else). I did use the pre-qualifying tool before I outright applied for this card and this card was one of 3 offers, venture, venture one, and quicksilver. 

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Data Created: February 02, 2015

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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.

Approval Odds

Capital One® Venture® Rewards Credit Card

58 Reviews
Cardholders' Choice i
Balance Transfer Purchase Intro APR Regular APR
 

N/A

N/A

12.9% – 22.9%*

Variable