I have been a Capital One Quicksilver cardholder for about 2 years now for which my CL is $7500. I wanted to add another card to my portfolio to lessen my utilization ratio and I also wanted a travelers mileage card. Credit Karma said I had "Very Good" odds so I said why not? They have never steered me wrong. I did not get an immediate approval. As a matter of fact I was told that my application "was under review". Most times that really translates to DENIED. I was bummed because I thought I was denied and I burned a hard pull which I've been trying to keep to a minimal & quite honestly I was a bit upset with Credit Karma because they are usually pretty good at gauging odds. I know their odd ratings are just an estimate. Then about 2 weeks later I receive a letter in the mail from Captial One. I was reluctant to open because I figured it was an official denial letter. But I did open it because I figure I wanted to know the reason why I was denied and request reconsideration. Especially because I have been an established client in good standing. Plus although my credit scores were not stellar and can use room to grow my scores were: Equifax= 686 & TU= 702. But to my surprise it was alerted of approval with a credit limit of 10k. My highest limit card to date! I just received my card about a week ago so I cannot yet review the reward and benefits. But I can say from what I read they have some stellar travel benefits. Especially the travel insurance which is fairly comprehensive which none of my other credit cards even come close. I am a person who thoroughly read all the disclosures. I can attest in the 2 years I've been a customer I have experienced excellent customer service Nd great rewards on my Quicksilver. I remember one time they suspected fraud on my account. They froze the card immediately, contacted me, and would pay me back hassle free for any unrecognized charges. They even offered to ship me a replacement card overnight FREE OF CHARGE. They contacted me before I had a chance to contact them. That means a lot because I am usually pretty hyper billigant about my account security being a IT Identity & access management professional. Some people.xomplain about their high fees. They can be expensive but the goal is not to linger a balance from month to month. But considering Capital One gave me a chance when no other company would I'm fine with it. Plus on my Quicksilver card I called one day and asked for a lower APR and they granted it right away from nearly 23% to 19%. I've have had nothing but a positive relationship and my credit scores have grown wonderfully. With responsible use you will see results. Once I actually use the cars I will submit another review. I plan to use this card for a trip to Paris for my son and myself. If you get Very good approval odds from Credit Karma I would give it a try and don't be discouraged if you do not receive an approval immediately.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 12.99% - 22.99%* Variable
- Annual Fee $0
- Purchase Intro APR 0%* for 12 months
- Purchase Regular APR 12.99% - 22.99%* Variable
If you have good to excellent credit and are looking for attractive travel rewards, the Capital One® VentureOne® Rewards Credit Card could be an appealing option.
What to Like
Cardholders earn 1.25 miles on every purchase every day, as well as a 20,000 mile bonus after spending $1,000 in the first three months of card membership. Miles can be redeemed for airline tickets, hotel rooms and car rentals with no limit on the amount of miles earned, and no expiration date for the life of the account. The Capital One® VentureOne® Rewards Credit Card also offers a 0% introductory APR on purchases for 12 months.
Look Out For
Late payments can result in a late penalty fee, so it’s important to stay on-time. Unredeemed rewards can also be lost if your card is closed.
Most Helpful Positive Review
Most Helpful Negative Review
The card is fine for purchases, support, and online account features. However, it is a complete scam that you earn "miles" -in the sense that traditional cards give you miles for mile.
With this card you technicall earn one penny per mile (disguised as a mile). When you get ready to use your 60,00 miles you really have a $600 credit to use towards an expensive priced flight or hotel. With other cards you have a true 60K miles that allow you to book several domestic flights.
Buyer be warned..., if you're planning a trip with that special someone, using all those miles you've accumilated, you're gonna be dissapointed.
Same on you Alec Baldwin! I'd rather a blackout date that allows me to plan a head and actually go somewhere.
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Note: Sample data consists of Credit Karma members who hold this card.
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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.
‡ 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.