I am rebuilding my credit after discharged BK in 11/2014 and was hesitant to apply with credit scores from 650-694 with establish credit namely an auto loan of $30K. All this in an attempt to qualify for a FHA loan after my two years is up. I already was approved for the Quicksilver card currently at $1500 CL in 2015 and was pleasantly surprised to be approved for this Venture card with a $10K CL today 02/07/2016. Granted I am managing my finances without going overboard again in real estate, the source of my woes during the crisis in 2008-2013. Despite some negative reviews Capital One will work with anyone looking to get a handle on restructuring their credit worthiness. Two cards with Barclays with $1500 CL and $2500 CL from last year as well but I recommend Capital One for people like me.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 12.24% - 22.24%* Variable
- Annual Fee $0
- Purchase Intro APR 0%* for 12 months
- Purchase Regular APR 12.24% - 22.24%* 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. 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 was shocked how much credit I received but was let down after I saw the interest rate. My numbers are in the low 700s and I expected a rate at least under 20%. If it weren't for the 0% interest rate for a year, I would have canceled this card. Maybe the rewards I get will make me feel better about the whole thing.
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‡ 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.