Capital One® VentureSM Rewards Credit Card
Sponsored Card
- Minimum Credit Required:
Excellent, Good - Annual Fee:$0 for 1st yr, $59 after
- Network: VISA
Miles - Any Airline
| Initial Bonus 10,000 miles |
Base Earn 2 miles / $1 |
Max Earn 2 miles / $1 |
Earn / Redeem Limit No |
- 2 miles per dollar on every purchase, every day.
- Money® Magazine's "Most Rewarding Card if you crave free airline flights" – Money Magazine, May 2011.
- Earn 10,000 bonus miles when you spend $1,000 within the first 3 months, equal to $100 in travel.
- Redeem your miles for ANY travel expense.
- No limit on the miles you can earn and miles won't expire.
- Fly free on any airline, any time with no blackout dates.
- No foreign transaction fees.
| Intro Rate Not Offered |
Intro Period N/A |
Regular Rate 13.9% - 20.9% (V) |
| Intro RateNot Offered | Intro PeriodN/A | Regular Rate13.9% - 20.9% (V) | Balance Transfer Fee None |
| Cash Advance Rate 24.9% (V) |
Cash Advance Fee 3% (min $10) |
- $0 intro annual fee for the first year; $59 after that.
- Exclusive award-winning customer service.
- Visa Signature® benefits like complimentary concierge and travel upgrades.
- Your Visa Signature card gets you special access and preferred seating at events like the Super Bowl™ and Olympic Games™.
- $0 Fraud Liability if your card is lost or stolen.
- Receive complimentary upgrades and special savings at hotels, resorts and spas with your Visa Signature card.
- 24-hour travel & emergency assistance gives you a replacement card and cash advance.
- 24-hour roadside assistance.
- Auto rental insurance -- use your card to rent a car and you're covered for collision, damage and loss.
- Image Card -- personalize your card with an image of your choice.
- Max Late Fee: $35
- Max Overlimit Fee: None
- Max Penalty APR: 29.4% (V)
- Grace Period: 25 days
- Online Response: No
- Foreign Transaction Fee: None
If you currently have the Capital One® VentureSM Rewards Credit Card and are satisfied or you like the terms of this credit card offer please let your friends know.
Capital One® VentureSM Rewards Credit Card is an Editor's Pick for
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Capital One® VentureSM Rewards Credit Card is related to the following credit card categories:
- Credit Cards for Good Credit with Airline Miles
- Capital One VISA
- Rewards Credit Cards for Excellent Credit
- Rewards Credit Cards for Good Credit
- Rewards Credit Cards
- VISA Rewards Credit Cards
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- No Balance Transfer Fee Credit Cards
- Credit Cards for Excellent Credit
- Airline Credit Cards for Excellent Credit
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Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Capital One® Venture℠ Rewards Credit Card shown on this page.
The card information shown on this page was last updated: May 23rd, 2012 at 1:05 EDT
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and unlike cap 1 commercial say, this card isn't in my wallet.
Let's be very clear from the start. I don't work for any banking institutions or any other financial organizations that might have conflict of interest. I am a consumer of credit, and I take my credit rating very seriously. and probably much chalgrin to Joe. Cap1 is my least favorite bank to work with. here are my reasons why. 1) they pull from all 3 bureaus. each hard pull lowers your credit rating, and other banks, like Chase or Amex only pulls from one or max 2 bureaus. But Cap1 has history of pulling from all 3. you know what this means? it means that 3 chase cards will cost you same credit rating points as 1 cap 1 card. 2) they call it "miles", but its not really miles. for other travel cards, miles are real miles. you transfer them to airline, and use it just like their mile, and each airline miles are valued at about 2.5-3.5 cents per pop. So cards like Chase Sapphire Preferred, which u can transfer to airline MILES, you get 2.5% and more, esp if you put it on flight, travel, hotels , where u get close to 5% -6% return. 3) Cap 1 "miles" are glorified point system that they make you spend within their system. u can't work it like other, and u can't certainly use it to fly higher cabin. so what is this card good for? I churn this card, because each year, they give out lucrative offer for 100k "miles". (they will try to prevent u from churning this). If you don't know what churning is, it's basically where u sign up just to get the initial bonus and cancel it, once u get it. THAT's IT. I highly suggest u stay away from this card, unless cardhub gets ridiculous referral bonus from it =).
I’d really like to see eye to eye with you one day Won Buddy Lee but in this case I’m gonna have to again side with this fella Joe Weider (he must be really smart, huh ;) ). I actually think that the Venture Card’s form of miles is more straightforward than other cards’. I mean miles are redeemable at a 1% rate, so 1,000 miles is worth $10, 10,00 are worth $100, and the advertised 100k miles would get you $1,000! Plus redeeming is easy, you just make your purchase, call up Capital One and tell them you’d like to redeem miles to pay for it, and that’s that. If you buy a $400 flight, just cash in 40,000 miles. With other cards, you have to buy your flights through the credit card company and calculate how many miles itll take to get different flights depending on the cabin you sit in, where you’re going, the time of the year, and all that. Plus, who cares if CapOne pulls all three credit reports? Unless youre trying to get a loan anytime soon that wont affect you since your credit only dips temporarily bc of a hard pull. And even if you’re tryin to get a loan, who’s to say that the credit report other credit card companies pull wont be the one used by your lender? I’d love to hear what some other people think though, so it’s not just us three spinning our wheels all day!
Margie Cole margie, you exasperate me. Do you fly at all? Do you not know what the definition of frequent flier mile is? Let me explain to you why frequent flier MILES are worth more than Cap1's puny "miles". Currently i am on my 3rd leg of a flight using ANA miles, which i converted from American Express POINTS (via amex plat + amex premiere gold). The transfer rate was 1 amex point to 1 ANA frequent flier MILE. using 115,000 ANA MILES + $650 YQ charge, i was able to fly from China to Bangkok (thai airways) Bangkok to Seoul, S. Korea (OZ) Seoul to Tokyo (japan) (ANA) Tokyo to Washington DC, USA (ANA) DC to Portugal (Porto) Portugal to Spain (Porto) Spain to Germany (Lufthanza) Germany to Korea (LX) Korea to China (OZ) ALL ON BUSINESS CLASS. That's basically around the world flight, which for business class cost roughly $10,000 dollars. By using your logic where straight forward capt1 miles awesome 1 cent value, 115000 will get you about $1150+650 = $1800. Yay~ look at that! 1800! but by transferring points to REAL miles, as you saw above, I got roughly $9300 value out of those same number of "miles" that's where capt1 issue lies in. It's not miles. Its points. You can't transfer it to airline, and seriously , if you never flew or used credit cards before, i suggest you stay on a side of asking and learning, rather than "telling" people what they should do.
Margie Cole second, you don't by your flight through cc company. you transfer miles to AIRLINE companies, and there, you book award flight (or upgrade) like you would do with miles you have earned through the hard way - actually flying. and yes, you need to know which cabin you wanna fly, which time of the year, and that's same as hey do i want to go to expensive restuanrat, or local McD? and who cares if they pull from all 3? your credit rating is one of your most valuable asset. How about this? i will see you my broken down car, but at new car price. if you don't care, please do.
Whoa there, Won Buddy Lee, let's keep things civil here. All I'm saying is that most people aren't going to be like you, theyre not going to put a lot of effort into strategically maximizing their credit card rewards and redeeming them for the flights that get them the most value. The combination of simplicity (i.e. earning the same number of miles on every purchase) and value (having that amount be essentially 2% cash back) makes the Venture Card an attractive option. Plus, I never said you book your flights through the credit card company. You purchase the flight from whatever airline, travel agent, travel website you want and then call Cap One to ask that your miles be applied to that purchase on your statement. That means you can focus on comparison shopping for your flight in order to minimize cost and then worry about rewards redemption. And when you buy flights from an airline directly, they generally arent as cheap as if you shop around. Also, how much did you have to spend to get those 115,000 miles? And what if I want to book a flight on a non-Star Alliance airline? The way youre approaching your credit card use is great, and it sure seems to work for you, but it's not the only way to do things. Finally, I know how valuable one's credit score is, but since the damage done by a hard pull only lasts six months or so, if you don't need the highest possible credit score during those six months, then getting hard pulls from 3 credit bureaus DOESNT really matter.
Margie Cole I apologize if things didn't sound civil. I was running in and out of airport at the time of writing. I agree with you that most people aren't hardcore, but, i feel that that's due to lack of knowledge, rather than pure behavioral choice. psychology aside, my frustration toward you was your misunderstanding of this card, and what generally constitute "miles". I think if you are going to try to "inform" people of certian things, then i think its best if you have the working knowledge in that field. I would never chime in and tell ppl what they should do to improve interior designing, because i have no idea. and let me go back to what my issue was. yes, your description of how to use cap1 is correct. But my distinction is this. those are cap1 POINTS you are redeeming at 1% value. and what's important to note here is that you are buying a REVENUE ticket with those cap1 points (not miles). Which certainly has its own sets of benefits, such as you get credited for flight. the REWARD ticket is where you use a certain airline's frequent flier miles to fly a AWARD ticket (not revenue). let me explain. say you are flying from New York to LA. If you have cap1 "miles" what you do is you search for travel websites or via cap1 travel agency (best option in my opinion if you are using cap1 venture) and you found round trip economy seat costing around 650 dollars, and 1400 for business. say you had 25000 cap1 points. you call cap1, and they will deduct 250 bux off your economy seat, and u pay the rest. simple. i get it. its simple. but as we always say, simple sometimes isn't the best option (unless it belongs to apple, because i am a fanboy). say if you had REAL 25000 miles with.. hmm since u aren't interested in star alliance, how about american airline.(one world). you could fly for free entire route, because round trip airfare cost intra 48 contiguous states cost 25k miles for domestic. (award seats are limited, however -disclaimer) so real 25k MILES are worth say 650 bux. (again yes award seats are limited in that sense). so on domestic routes, 25k REAL FREQUENT FLIER MILES are worth more than TWICE than cap1 miles. (which u can accumulate with other cards). but the beauty of frequent flier miles vs cap1 points come in handy, when you are flying international, higher tier cabin class. (which is the reason why i made a disclaimer saying if you don't fly international, or have desire to fly higher class, then the value decreases, but still more than cap1) say you are interested in flying from New York to Tokyo. Discounted Business class usually go around for $5,000 USD. say you have 100,000 cap1 "miles". same thing. they take those 100k points and give you $1,000 discount. and you pay $4,000 yourself. with REAL frequent flier MILES, you can fly that business class for free using 100k miles. (award seats are limited - again disclaimer) in that sense, your value is $5,000 vs $1,000. and your question on how did i collect those 115000 miles? same way i'd have collected 115000 capt1 points. Which brings me back to my point. I could have gotten this venture card and collected those 115000 of cap1 points, but i am telling people to reconsider that idea, and go get other cards where u can get 115000 frequent flier miles. and to your second question: there are other credit cards that service all 3 major alliance groups : skyteam, *alliance, 1world. if you don't fly *alliance, then get cards that get you frequent flier miles to other 2 airline groups. Finally, your hard pull is damaging for 1 yr, and not 6 months. and i hope to provide ppl with good advice. which is you can apply for more than 1 credit card. why limit yourself? as long as you can manage your spending habit, u can own more and more and get more bonuses. in that sense, getting 3 pull from cap1 is devastating. because say you are interested in applying for citicard that has known to pull from equifax. if you got chase saph preferred, which pulled from experian for me, i could have easily gotten citicard as they woudln't have known that i already got one CC. but because cap1 pulled all 3, if i want to apply to another cc, they would see that hard inquiry and have doubt whether its good idea to extend me another one. THAT's why credit rating and pull matters.
Margie Cole I apologize if things didn't sound civil. I was running in and out of airport at the time of writing. I agree with you that most people aren't hardcore, but, i feel that that's due to lack of knowledge, rather than pure behavioral choice. psychology aside, my frustration toward you was your misunderstanding of this card, and what generally constitute "miles". I think if you are going to try to "inform" people of certian things, then i think its best if you have the working knowledge in that field. I would never chime in and tell ppl what they should do to improve interior designing, because i have no idea. and let me go back to what my issue was. yes, your description of how to use cap1 is correct. But my distinction is this. those are cap1 POINTS you are redeeming at 1% value. and what's important to note here is that you are buying a REVENUE ticket with those cap1 points (not miles). Which certainly has its own sets of benefits, such as you get credited for flight. the REWARD ticket is where you use a certain airline's frequent flier miles to fly a AWARD ticket (not revenue). let me explain. say you are flying from New York to LA. If you have cap1 "miles" what you do is you search for travel websites or via cap1 travel agency (best option in my opinion if you are using cap1 venture) and you found round trip economy seat costing around 650 dollars, and 1400 for business. say you had 25000 cap1 points. you call cap1, and they will deduct 250 bux off your economy seat, and u pay the rest. simple. i get it. its simple. but as we always say, simple sometimes isn't the best option (unless it belongs to apple, because i am a fanboy). say if you had REAL 25000 miles with.. hmm since u aren't interested in star alliance, how about american airline.(one world). you could fly for free entire route, because round trip airfare cost intra 48 contiguous states cost 25k miles for domestic. (award seats are limited, however -disclaimer) so real 25k MILES are worth say 650 bux. (again yes award seats are limited in that sense). so on domestic routes, 25k REAL FREQUENT FLIER MILES are worth more than TWICE than cap1 miles. (which u can accumulate with other cards).
but the beauty of frequent flier miles vs cap1 points come in handy, when you are flying international, higher tier cabin class. (which is the reason why i made a disclaimer saying if you don't fly international, or have desire to fly higher class, then the value decreases, but still more than cap1) say you are interested in flying from New York to Tokyo. Discounted Business class usually go around for $5,000 USD. say you have 100,000 cap1 "miles". same thing. they take those 100k points and give you $1,000 discount. and you pay $4,000 yourself. with REAL frequent flier MILES, you can fly that business class for free using 100k miles. (award seats are limited - again disclaimer) in that sense, your value is $5,000 vs $1,000. and your question on how did i collect those 115000 miles? same way i'd have collected 115000 capt1 points. Which brings me back to my point. I could have gotten this venture card and collected those 115000 of cap1 points, but i am telling people to reconsider that idea, and go get other cards where u can get 115000 frequent flier miles. and to your second question: there are other credit cards that service all 3 major alliance groups : skyteam, *alliance, 1world. if you don't fly *alliance, then get cards that get you frequent flier miles to other 2 airline groups. Finally, your hard pull is damaging for 1 yr, and not 6 months. and i hope to provide ppl with good advice. which is you can apply for more than 1 credit card. why limit yourself? as long as you can manage your spending habit, u can own more and more and get more bonuses. in that sense, getting 3 pull from cap1 is devastating. because say you are interested in applying for citicard that has known to pull from equifax. if you got chase saph preferred, which pulled from experian for me, i could have easily gotten citicard as they woudln't have known that i already got one CC. but because cap1 pulled all 3, if i want to apply to another cc, they would see that hard inquiry and have doubt whether its good idea to extend me another one. THAT's why credit rating and pull matters.
but the beauty of frequent flier miles vs cap1 points come in handy, when you are flying international, higher tier cabin class. (which is the reason why i made a disclaimer saying if you don't fly international, or have desire to fly higher class, then the value decreases, but still more than cap1) say you are interested in flying from New York to Tokyo. Discounted Business class usually go around for $5,000 USD. say you have 100,000 cap1 "miles". same thing. they take those 100k points and give you $1,000 discount. and you pay $4,000 yourself. with REAL frequent flier MILES, you can fly that business class for free using 100k miles. (award seats are limited - again disclaimer) in that sense, your value is $5,000 vs $1,000. and your question on how did i collect those 115000 miles? same way i'd have collected 115000 capt1 points. Which brings me back to my point. I could have gotten this venture card and collected those 115000 of cap1 points, but i am telling people to reconsider that idea, and go get other cards where u can get 115000 frequent flier miles.
and to your second question: there are other credit cards that service all 3 major alliance groups : skyteam, *alliance, 1world. if you don't fly *alliance, then get cards that get you frequent flier miles to other 2 airline groups. Finally, your hard pull is damaging for 1 yr, and not 6 months. and i hope to provide ppl with good advice. which is you can apply for more than 1 credit card. why limit yourself? as long as you can manage your spending habit, u can own more and more and get more bonuses. in that sense, getting 3 pull from cap1 is devastating. because say you are interested in applying for citicard that has known to pull from equifax. if you got chase saph preferred, which pulled from experian for me, i could have easily gotten citicard as they woudln't have known that i already got one CC. but because cap1 pulled all 3, if i want to apply to another cc, they would see that hard inquiry and have doubt whether its good idea to extend me another one. THAT's why credit rating and pull matters.
and your question on how did i collect those 115000 miles? same way i'd have collected 115000 capt1 points. Which brings me back to my point. I could have gotten this venture card and collected those 115000 of cap1 points, but i am telling people to reconsider that idea, and go get other cards where u can get 115000 frequent flier miles. (sorry for breaking things apart. seems like either facebook or cardhub oesn't like long writing)
For those of you who haven’t yet seen the ads, Capital One is currently running a limited time offer that has the potential to be quite lucrative for people currently using other travel rewards credit cards. The gist of the deal is that Cap One will give you 2 miles for every dollar you spent on a competitor’s travel card last year in return for you making the switch to the Venture Card. Before we get into what exactly you have to do to take advantage of this deal, it’s important to reiterate that the deal will only last until the maximum 1 billion free miles are doled out or May 1, whichever occurs first (don’t worry, as long as you apply before Capital One announces the end of the promotion, you’re eligible to participate). With that being said, I took a look at the fine print and FAQ associated with this deal, which Capital One is calling the “Double Miles Challenge,” and compiled the most important information from each: -To get the deal you have to 1) get approved for the Venture Card before the challenge ends, 2) respond to the resulting registration e-mail by registering online within 7 days of the e-mail being sent, 3) provide documentation of your spending last year on a single card from a Cap One competitor, and 4) spend $1,000 with the Venture Card within three months. -You can get up to 100,000 free miles. In other words, if you charged more than $50,000 on a competitor’s credit card last year, you’ll only get double miles for the first $50k. -According to the Capital One website, you’re eligible to participate as long as you apply before Cap One announces the promotion being over and you fill out your registration information within the 7 day time frame, even if they run out of miles. If you don’t know about the Venture Card to begin with, it’s been one of the best rewards credit cards on the market for a pretty long time. The reason why is that it gives you what amounts to 2% cash back across all purchases; all you have to do is redeem miles for only travel oriented purchases.
For the past 3 months I have made this credit card my primary rewards credit card. As long as you redeem your points for ONLY travel related purchases that you have made using your Venture Rewards card, you essentially have a 2% cash back card. No tiers, quarterly registrations, special spending categories, or any of the other common "gotchas".