Capital One® Venture® Rewards Credit Card

The following table shows the features, rates, and other key data for the Capital One® Venture® Rewards Credit Card offer in Capital One offers. These terms are updated on a daily basis by the CreditCards.org database. If you wish to apply for the card, you may do so securely on its official website by clicking the Apply Now button below:
Capital One® Venture® Rewards Credit Card Apply Now
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want-no blackout dates
  • Miles don't expire and there’s no limit to how many you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
701
average
612
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 13.9%-20.9%* Variable $0 intro for first year; $59 after that* Excellent Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 13.9%-20.9% Variable*
Annual Fee $0 intro for first year; $59 after that*
Credit Needed Excellent Credit*

Credit Score Needed

Capital One® Venture® Rewards Credit Card is generally for people with Excellent Credit, though other factors besides credit score can also determine whether a particular application is accepted. See more Capital One offers.

Most Helpful User Review

Commented at Oct 11, 2014

 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.

Review by Anonymous

User Reviews

Average Rating: 7.4 out of 10 based on 54 user ratings.
Commented at Jan 13, 2015

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.

Review by Anonymous
Commented at Jan 8, 2015

I have had this card for a year now. I was initially approved for $5000 with a score of 720, I believe. I think my initial low credit limit had to do with my income averaging just above 40k. I increased my credit limit to $7000 after 6 months and to $9000 after one year. I don't remember what APR I got approved for. I always pay it in full anyway.

Since I got this card I don't use my debit card anymore. To maximize my rewards, I made Venture my every day expenses and bill pay card.

I have earned $682 in rewards during this first year. So the annual fee does not bother me at all. No other credit card, which I was using before, ever came close. That includes Capital One Quicksilver. My wife has Costco Amex and Chase Freedom. She was getting about $300 with Amex. Chase Freedom with rotating categories earned her very little, since she obviously was always forgetting to register for rewards every quarter. YES - if you consider Chase Freedom keep in mind that aside from the fact that you get rotating cheesy categories like Starbucks stores, movie theaters and hardware stores (how much can you spend there to earn decent cash back?), you will get NO rewards if you will fail to sign up every quarter.

Venture lets you pay for everything, everywhere. Jewelry, car down payment, new computer or flat screen TV or a trip to the other side of the globe - you name it. And virtually you can get 2% cash back value (only if you will redeem it towards travel related purchases). 

If you travel sometimes this card could be a great choice. The card has no foreign transaction fees and currency exchange rates are really good. During our trip to Europe last year it was actually better to use my Venture card instead of exchanging cash ahead of the trip or during it.  Who knew? I just made sure to pay in local currency every time and let Capital One apply exchange rate. I did not get a better exchange rate anywhere else - period.

Customer service is outstanding and I have never waited more than few seconds to get connected. 

In my opinion, the only card that can beat Venture is Citi Double Cash card, but keep in mind that Citi Double Cash has 3% foreign transaction fee. 

Review by Anonymous
Commented at Jan 3, 2015

I just reviewed it above.

Review by drblues01
Commented at Dec 11, 2014

I had the original capital one card with a 9.9% interest rate then one day my statement came in the mail in an unsealed envolope. I was concerned about this so I called to have my account closed and a new one opened for security reasons. I was told to open a new capital one Venture account and was promised the same interest rate 4 times.  Well as I'm sure you guessed that did not happen but that said they did double my rewards points and there coustumer service has been good. In concluesion if you do not mind the interest rate the rewards and service are worth having this card

Review by unprompt
Commented at Dec 1, 2014

I read the reviews here, and admit I'm a bit suprirsed at how the acceptance process has changed. When I applied, I had a score of about 750, with income around $85,000. Mortgage payment of about $1000, a car loan of $400, and no revolving debt payments. I was approved with a credit limit of $25,000. 

While I'm not a fan of the annual fee, looking at how we use the card, we more than make up for it. I put nearly all expenses on this card and pay it off monthly. We have paid for 4 trips with the card by using the "Purchase Eraser" feature. I moved to this because my loyalty to Discover only goes so far. A number of outlets do not accept Discover, which left me looking for the more universally-accepted Visa moniker. 

While it creates a bit of work for me, I simply maximize my rewards by using Discover for it's quarterly 5% cash back bonuses, and the Visa for everything else. My only other card is the Costco Amex card, which is used only for Costco trips and gasoline. 

As for customer service, it has been top notch. I have always gotten through to a US-based human in a matter of minutes, and they have always been extremely helpful and courteous. 

Review by jimpryde

Credit Limit

If approved for the card, the issuer will notify you of the credit limit on your card. Please see the Capital One® Venture® Rewards Credit Card for complete terms, conditions, and details of the offer.

+ This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.