WalletHub Rating
4.5/5
The Capital One Venture Card is a very good travel rewards credit card for people with a good credit score who don't want to be tied down to a single travel provider. With an initial bonus worth $750 in travel, double miles on all purchases and a reasonable annual fee, it’s clear why the Venture Card is so popular.
WalletHub Rating Breakdown
User Reviews
3.8/5
2,704 reviewsRead and write reviews
Editor’s Review
5.0/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
4.4
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards” for this card.
Fees
2.9
Rewards
4.8
Cost
5.0
Other Features
0.0
4.4/5
Compared against 1,500+ credit cards
KEY TERMS
75,000 Miles
once you spend $4,000 on purchases within 3 months from account opening
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Capital One Venture Annual Fee
$95
Capital One Venture APR on Purchases
19.99% - 29.99% (V)
Capital One Venture Balance Transfer
APR: 19.99% - 29.99% (V)
Balance Transfer Fee
Capital One Venture Rewards
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
Transfer your miles to your choice of 15+ travel loyalty programs
Capital One Venture's Additional Info
| cash advance fee | 5% (min $5) |
| cash advance APR | 29.99% (V) |
| foreign transaction fee | $0 |
| smart chip | Yes, chip-and-signature |
| max late fee | $40 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
Apply Now
at Capital One's secure site
Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
September 13th, 2024
Fact Checked by Alina Comoreanu
Senior Researcher
Capital One Venture Pros & Cons
Earn 75,000 miles initial rewards bonus
Unlimited 2 miles per $1 on every purchase
Redeem for any-travel related expense
$0 foreign transaction fee
Terrible cash back redemption rate
Not built for financing
Capital One Venture Review
5.0 / 5
The Capital One Venture Card is a very good travel rewards credit card for people with a good credit score who don't want to be tied down to a single travel provider. With an initial bonus worth $750 in travel, double miles on all purchases and a reasonable annual fee, it’s clear why the Venture Card is so popular.
One of the keys to the Capital One Venture Card’s success is the fact that you can use Venture miles to pay for any travel-related charges once they post to your account. This policy is great for people who like to shop around for the best deals on travel comparison sites. It also gives you a lot of booking freedom relative to most travel rewards cards.
You can learn more about the Venture Card’s unique benefits below.
Capital One Venture Card Review Highlights
Initial bonus worth $750
The Capital One Venture card offers 75,000 miles for spending at least $4,000 within 3 months of account opening. That is worth $750 when redeemed for any travel-related purchase that appears on your statement.
Up to 2% back on all purchases
The Capital One Venture Card gives you 2 miles / $1 spent on most purchases, which equates to 2% cash back when you redeem for travel. Miles are worth less when redeemed for anything else.Plus, hotels, vacation rentals and rental cars booked through Capital One Travel yield 5 miles / $1 spent.
No foreign fee
None of Capital One’s credit cards charge foreign-transaction fees. And it is one of only two major issuers to take that step. This will save you 1.57%on all purchases processed outside the U.S., whether you’re traveling or simply buying something from an international merchant.
Reasonable annual fee
The Capital One Venture Rewards Credit Card's$95 annual fee might scare some applicants off, but it’s a bargain when you consider the card’s rewards.The initial bonus alone covers more than seven years of annual fees.
Travel-booking flexibility
Unlike many other rewards cards, the Venture Credit Card doesn’t force you to book rewards travel through Capital One. Instead, you can book wherever you want and then simply use your miles to pay for the purchase when it appears on your statement.
Generous ‘travel’ definition
The fact that Venture rewards are worth less if you don’t redeem for travel could be a major drawback, depending on how “travel” is defined. Fortunately, Venture views the term pretty broadly. You’ll get full value for your miles by redeeming them for any of the following types of travel expenses:
- Airfare
- Hotel reservations
- Cruise reservations
- Train tickets
- Taxi, bus or limo fare
- Travel agent fees
- Time shares
Travel Insurance
Capital One Venture currently offers lost or damaged luggage reimbursem*nt and rental car insurance. If you charge your transportation, lodging, and other travel expenses to the card, these types of insurance may protect you from having to pay for lost or damaged bags, damage to a rental car, or theft of a rental car. Just remember: Benefits are available to accounts approved for the World Elite Mastercard product, subject to terms, conditions, and exclusions in the World Elite Mastercard Guide to Benefits. See account terms or application terms for more details. Terms, conditions and exclusions apply.For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Built to be paid in full
Like most rewards cards, Capital One Venture sports a rather high APR. In fact, you’re likely to receive an above-average rate for your credit standing. So it’s best not to carry a balance from month to month with this particular plastic.
It’s fair to say that the Capital One Venture Card is an elite option for anyone with even a bit of travel on their itinerary. You just need to make sure you have the good or excellent credit needed to qualify. You can check your latest credit score for free on WalletHub to find out.
Learn More About the Capital One Venture Card
Capital One Venture Card credit score
You need at least good credit to get approved for the Capital One Venture. A credit score of 700 or higher is recommended for good approval odds.
Capital One Venture Card credit limit
Capital One assigns Venture Card credit limits based on each applicant’s credit history and ability to pay.
Capital One Venture Card annual fee
The Capital One Venture annual fee is $95.
Show More
Capital One Venture Video Review
Compare The Capital One Venture vs. Popular Alternatives
 Capital One Venture Rewards Credit Card |  Chase Sapphire Preferred® Card |  Chase Sapphire Reserve® |
|---|---|---|
4.5WalletHub Rating WalletHub Rating 4.5 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.8 Market Comparison 4.4 fees: 2.9 rewards: 4.8 cost: 5.0 Other Features: 0.0 | 4.6WalletHub Rating WalletHub Rating 4.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.9 Market Comparison 4.6 fees: 2.9 rewards: 4.8 cost: 5.0 Other Features: 5.0 | 4.1WalletHub Rating WalletHub Rating 4.1 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.4 User Reviews 3.3 Market Comparison 4.1 fees: 1.3 rewards: 4.8 cost: 4.8 Other Features: 0.0 |
annual fee$95 | annual fee$95 | annual fee$550 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR19.99% - 29.99% (V) | Regular APR21.49% - 28.49% (V) | Regular APR22.49% - 29.49% (V) |
Sponsored Apply Now | Sponsored Apply Now | Sponsored Apply Now |
Capital One Venture FAQ
Can't find what you are looking for? Submit your question about Capital One Venture Rewards Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Most Popular
What are the Capital One Venture requirements for approval?
Reply
17
Chip Lupo, Credit Card Writer
@CLoop
The main Capital One Venture requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least good credit, among others.
Capital One Venture Requirements
- At least 18 years old
- Physical U.S. address (no P.O. boxes)
- Proof of enough income to make the monthly minimum payment
- Social Security number or ITIN
- Good credit or better
- Checking or savings account
If you apply for the Capital One Venture card, it's important that you enter all required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime.
74
Upvotes
What credit score do you need for the Capital One Venture card?
Reply
74
8
Tom Lipkis, WalletHub Credit Card Consultant
@cindercard
You need a credit score of 700 or higher to get the Capital One Venture Rewards Credit Card (see ). In addition to good or excellent credit, you will need enough income to afford monthly bill payments to get approved for the Venture Card.
Other Capital One Venture (see ) Approval Requirements
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Capital One Venture (see ) Card, too. Some...
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20
3
View more answers
16
Upvotes
What is the most popular type of credit card?
Reply
16
Chip Lupo, Credit Card Writer
@CLoop
The most popular type of credit card is a credit card for bad credit, particularly a secured credit card, based on how much people search for different types of credit cards online. Credit cards for bad credit offer people with credit scores of 639 and below the best chance to rebuild their credit.
Travel credit cards and cash back credit cards are also among the most popular types of credit cards. Travel credit cards often come with generous sign-up bonuses and can help you earn...
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64
Upvotes
What is the Capital One Venture credit limit?
Reply
64
10
WalletHub
@WalletHub
The Capital One Venture (see ) credit limit will be determined based on your credit standing, once your application has been approved. Factors such as your annual income, debts and liabilities, repayment history and length of your credit history are among the ones generally considered for determining credit limits.
If you're unhappy with your credit limit and would like to request an increase, Capital One allows you to submit your request online. Bear in mind that new accounts are generally...
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30
12
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11
Upvotes
Is Capital One Venture a good credit card?
Reply
11
1
Joyce Brown, WalletHub Credit Card Analyst
@j.brown
Yes, Capital One Venture (see ) is an excellent credit card – provided you're someone who likes to travel. The card's travel-related rewards are very generous, especially considering how flexible the redemption process is. Capital One Venture (see ) offers 75,000 miles for spending $4,000 in the first 3 months. You earn ongoing rewards of 5 miles per $1 spent on hotels, vacation rentals and rental cars booked through Capital One Travel, 5 miles per $1 spent on Capital One Entertainment purchases through 12/31/25, as well as 2 miles per $1 on all other purchases. There's a $95 annual fee, but frequent travelers can easily offset this cost, given Capital One Venture (see )'s rewards.
Here's why Capital One Venture (see ) is a good credit card:
- Big initial bonus: Capital One Venture (see ) offers 75,000 miles for spending $4,000 in the first 3 months.
- Generous rewards:...
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3
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62
Upvotes
How much is the Capital One Venture Card annual fee?
Reply
62
3
Lisa Cahill, Credit Cards Moderator
@lisacahill
The Capital One Venture (see ) has a $95 annual fee. This card's annual fee is higher than the average annual fee among new credit card offers right now. It's not the only fee you need to worry about with the Capital One Venture Rewards Credit Card (see ), either.
Capital One Venture (see ) Fees
- Annual Fee: $95
- Cash Advance Fee: 5% (min $5)
- Foreign Transaction Fee: $0
- Balance Transfer Fee: $0 at the Transfer APR, 4% of each transferred balance at a promo APR that Capital One may offer
- Max Late Fee: $40
Keep in mind that an annual...
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1
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11
Upvotes
Is the Capital One Venture Card metal?
Reply
11
Chip Lupo, Credit Card Writer
@CLoop
Yes, the Capital One Venture Rewards Credit Card (see ) is a metal credit card. The Capital One Venture (see ) Card is made of stainless steel and recycled materials and weighs around 16 grams, compared to 5 grams for a traditional credit card made of plastic. Functionally, the metal Capital One Venture (see ) Card doesn't work any differently than a plastic credit card, though it will be more durable.
Quick Facts About the Metal Capital One Venture (see ) Card
- Made of: stainless steel and recycled materials
- Weight:...
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2
12
Upvotes
How hard is it to get a Capital One Venture card?
Reply
12
1
Cameron DiGiovanni, Writer
@cdigiovanni20
It is difficult to get the Capital One Venture* Card because you need a credit score of 700 or higher and plenty of income to qualify. Plus you can't get the Venture Card if you've applied for a Capital One card more than once in the past 30 days or if you already have 5 Capital One credit cards.
That said, if you meet the credit score requirement and have enough income to pay credit card...
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1
1
61
Upvotes
What airlines can you use with the Capital One Venture card?
Reply
61
5
Cameron DiGiovanni, Writer
@cdigiovanni20
You can use most major airlines with the Capital One Venture (see ) card. More specifically, cardholders earn 2 miles / $1 on airfare booked with any airline. Capital One Venture (see ) card miles can also be used to pay for flights on nearly all airlines. You can do so by booking through Capital One Travel, transferring miles to airline partners, or covering the cost of recent flights.
In fact, the Capital One Venture (see ) card miles are redeemable for nearly any travel purchase made anywhere. There are no blackout...
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4
153
Upvotes
How do I use the Capital One Venture card login?
Reply
153
3
Maria Adams, Credit Cards Moderator
@m_adams
To log in to your Capital One Venture Rewards Credit Card (see ) account, go to the login page on the Capital One website or mobile app and enter your username and password in the appropriate fields. Then, click “Sign In” to access your online account. If you don't already have an account, you will need to start by clicking “Set Up Online Access” in order to set up a username and password.
How to Log in to a Capital One Venture Credit Card...
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9
2024 WalletHub Awards
Capital One Venture Rewards Credit Card is an Editor's Pick for:
Best Travel Credit Cards
Best Rewards Credit Cards
Best Credit Cards
Best Airline Credit Cards
Show More
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Capital One Venture Reviews
Share your insights and review for the Capital One Venture Rewards Credit Card
5
41%
4
25%
3
19%
2
9%
1
7%
3.8
2,704 reviews
2,704 reviews
What's Your Rating?
Most Recent
Patricia Byrne
@patriciaeb
1 Star Rating
The absolute worst. Stay away! Had two fraudulent charges, they investigated for one day and told me that I, or another card member, benefited from the transactions. I had no other cardholder, they could not produce the business name, said it was an auto store purchase in Cabo, couldn't even provide a phone number, or a signed receipt. Refused to refund the under $500.00 bogus charges. The absolute worst customer service I have ever experienced. There are far better cards that don't allow fraud and would notify you of a questionable purchase.
Comment
enratliff
@enratliff
1 Star Rating
The only two things this car is good for are the no foreign transaction fee, which many other cards offer, and mileage for travel; yet, even its mileage program is costly. Aside from that, it is a terrible card, with even supervisors providing misleading information. Capital One is even unwilling to back up customers on disputes and makes unrealistic demands for documents. I'm going back to using my TJ Maxx Mastercard and my Amex, especially Amex, which has always stood by me and provided me with outstanding customer service for over 15 years.
Comment
1
rcpederson19
@rcpederson19
1 Star Rating
They don't care about their customers at all! We called to let them know we were traveling out of the country. They froze our card anyway. When we called, they said they would need to review the purchases to make sure they were legitimate and it would take 5-7 days. They literally left us stranded in a foreign country with no credit card. Additionally, we had an issue with a charge we tried to dispute, and they were no help at all! Extremely disappointed in this card.
Comment
Sue Ernst
@None_ya
1 Star Rating
Used points for a hotel stay and STILL GOT BILLED AT THE HOTEL. Essentially paid twice. Spent over 4 hours on 4 phone calls with NINE different useless overseas service reps before finally getting a supervisor who refunded the points in less than 5 minutes. The incompetence was unbelievable and every phone call was like starting from the beginning. They can read a script, pass the buck and lie but don't expect any actual help until you start screaming. What good are travel points you can't use? I cashed out all my points for gift cards and got a different credit card.
Comment
1
John W Shortridge Jr
@JWShortridge
1 Star Rating
Poor customer service, communication, and very inflexible. Approved for their Flagship Venture card, then, after the fact, I was told that a state driver's license was mandatory. I don't drive and have no need for a driver's license. I explained that in Hawaii (my home), it takes a minimum of 6 months just to get the initial appointment for a DL, and by the time one receives the license, the better part of a year is gone. I offered a multitude of other ID options, birth certificates, deed of legal property ownership, etc., only to be told no DL, no card. I said, "but you already ran my credit, opened the account in my name, established a credit line, but you refuse to send the card to me without me showing you a driver's license." It was totally insane, and the lady could not have cared less. She refused my request to speak with a manager and asked me, "What do you want to do?" Rude, obnoxious, and downright mean! Now I will have a credit pull, and open account, then a closed account all because of a refusal to be flexible. Stay away from Capital One. They are very bad for business.
Comment
connie miller
@stylist554
1 Star Rating
Absolute worst card I've ever had! I have excellent credit and have maintained that for most of my life, and I am now 63. They said I signed up for paperless bills, which I absolutely did not do! I read everything carefully, and they charged me a $25 late fee because I did not see the bill in my email. When I saw it, I called immediately, but they would not remove the fee, so of course, I canceled the card. Very rude, unprofessional! I have another travel card and Discover, which treat you like gold.
Comment
gertie gold
@bethinthesun
5 Star Rating
Love this travel card. The app has everything—easily accessible. We fall into the category of not extreme travel or budget but also not basic; this card's benefits are a great fit.
Comment
Anonymous
@Anonymous
1 Star Rating
Worst customer service ever! I can't believe I'm saying this, but I actually miss my Alaska Air card from Bank of America. I have wasted so much time on the phone with Capital One only for them not to resolve my issues.
Comment
1
1
doctorjcorker
@doctorjcorker
1 Star Rating
I have twelve credit cards with several issuers, +750, Cap One only CC to reject me, their lost, I will never apply with those losers again.
Comment
2
1
Eric
@erico_40
5 Star Rating
Upgraded venture to venture X and I’m happy with the benefits. Initially inquired about a premium card through capital one years ago and was happy and this was finally released to compete with AMEX and Chase Sapphire reserve. I prefer the reward options, and competitive annual fee.
Comment
Review Capital One Venture Rewards Credit Card
Expert Thoughts on Capital One Venture
To help people learn more about Capital One® Venture® Rewards Credit Card, WalletHub's editors posed the following questions to a panel of experts. You can meet our panelists and read their responses below.
- Which would you say has been more responsible for the Capital One Venture Rewards Card’s longtime popularity: successful advertising or competitive rewards?
- How do you expect credit card companies like Capital One to adjust travel-focused offers such as the Capital One Venture Rewards Card in light of COVID-19?
- Who benefits more from credit cards made of metal: cardholders or card issuers?
Bonnie Knutson
Professor, The School of Hospitality Business, Broad College of Business – Michigan State University
Read More
John T. Bowen
Ph.D., Professor Emeritus, Former Dean and Barron Hilton Distinguished Chair, Conrad N. Hilton College of Hotel and Restaurant Management, University of Houston
Read More
Maggie Daniels
Ph.D., Professor of Tourism and Events Management, College of Education and Human Development, George Mason University
Read More
Matthew J. Bauman
Ph.D., MS, Assistant Professor of Hospitality & Tourism Management, White Lodging School of Hospitality & Tourism Management, College of Business, Purdue University Northwest
Read More
Berkita Bradford
Department Chair, Associate Professor, College of Agriculture, Virginia State University
Read More
David Baker
Ph.D., Associate Professor of Hospitality Management, College of Business at Tennessee State University
Read More
More Experts
Capital One Venture Rewards Credit Card
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