I'm writing this review to help out those that aren't sure whether they should apply or not and have questionable credit. I have a 660 TU and 637 Experian score. I also have a 626 FICO score at present. I have a Capitol One PS card, Capital One GM Card, and Capital One Platinum Card that I have made on-time payments for the past year. I was approved for the Venture Card and received a $2000 limit. I have 12 credit inquries and 1 & 2 derogatory marks on my TU and Experian reports. Approval was about a minute online. Hope this helps!
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
I'll start by saying I have had a Capital one card for at least 10 years. I've been happy using it overseas, but unhappy about the APR issue and finally challenged them overit several times this week.
I think you should be made aware that the 11.9-19.9% APR range is a scam.Thats the only way I can describe it, seeing as it doesn't appear to be possible to get it lowered below 19.9%.
When I called to ask why my APR was 19.9% even though my credit score is about 825, they told me it was because it was all they could offer me. No 'body' on the phone would even discuss the 11.9% or tell me what I had to doaside from having a good credit score to get it. I called several times over several days about the issue just to be thorough, and I got the same stonewalling each time.
I eventually had to hang up and call the 'new cards' line pretending to be a new customer wanting the card to be told anything about the APR. They told me that the APR was decided based on my credit. Surprise surprise!
So, the application line says its given based on my good credit, but the customer service line says I can't get it lowered from 19.9% even with my 825 credit score.
I just want to share my very disturbing personal experience with everyone. When I call each time, I get an overseas call office that sound like they just want to read off the screen. When I repeated my question clearly asking "what does it take to get a lower APR" the lady at the other end would just get confused and say they were giving me all they could give me. Total Stonewalling... and as I hope you are starting to pick up.. pathetic excuse for customer service.
I emailed them at my account on their website too and they said they couldn't help me but to call the number. I did that 3 times just to give them a chance. I have a witness who was even on one of the phone calls with me (who, after hearing their bizarre treatment of me as a customer, no longer wants to get one of their cards by the way!)
I think everyone should be fully aware of the TRUTH rather than the facade.
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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.