Capital One Venture Rewards Credit Card
The Venture Rewards is Capital One's workhorse travel card, built around one idea: a flat 2X miles on everything with none of the category tracking a tiered card demands. The miles are flexible, worth a cent each toward any travel purchase or transferable to Capital One's airline and hotel partners when you want more, and the 75,000-mile welcome bonus clears a reachable $4,000 spend. At $95 a year with no foreign transaction fees, it sits a tier below the Venture X but asks far less in fee, which makes it the natural pick for someone who wants simple, dependable travel earning without a premium-card budget.
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- Annual fee$95$7.92/mo equivalent
- Welcome offer
- Recommended credit720-800Median 730. See why →
Earning rates
on Capital One Miles- 5xCapital One EntertainmentCapital One Entertainment only
- 5xTravel PortalHotels + cars via Capital One Travel
- 2xEverything else
Benefits and credits
Travel credits and perks
- 24-Hour Travel Assistance
- Global Entry or TSA PreCheck Credit$120 every 4 years
Purchase and protection benefits
- $0 Fraud Liability
- Extended Warranty
rewards
- Transfer Miles to 15+ Travel Partners
Elite status conferred
- hertzHertz Five Star
Travel and purchase coverage
- Rental car collision damage waiverSecondary coverage
Pricing and fees
Full Pricing and Terms- Purchase APR
- 19.49% to 28.49%
- Foreign tx
- None
- Penalty APR (cap)
- Not disclosed
- Balance transfer
- 19.49% to 28.49%
- Fee 4.00%
- Cash advance
- Not disclosed
- Fee $5 or 5.00%, whichever is greater
- Late / returned
- $40 · Not disclosed
Eligibility and application
- Card typeUnsecured personal card
- Pre-qualificationSoft-pull pre-qualification available
- Application inquiryHard credit inquiry on submission
- Approval bureauNot disclosed by issuer
- Authorized user feeNot disclosed
- Reports AU to bureausYesNo published age restriction.Issuer policy
How the recommended credit score is derived
Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.
- Community Q&A on the Capital One Venture credit requirement (good to excellent credit reported)
- Editorial guidance on the credit score needed for the Capital One Venture
- Aggregated approval and credit-score requirements writeup for the Venture
- Community-reported credit score needed for Venture approval
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Capital One VentureOne Rewards Credit CardCapital OneThe VentureOne is the no-fee entry point to Capital One's miles program: 1.25X miles on everything, 5X on hotels and rental cars booked through Capital One Travel, and no annual fee or foreign transaction fee.
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Citi Double Cash CardCiti · MastercardThe Citi Double Cash is the card that made the flat 2% mainstream, and the structure is its whole pitch: 1% when you buy and another 1% as you pay it off, with no categories to track and no annual fee.
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Wells Fargo Active Cash CardWells Fargo · VisaThe Active Cash is Wells Fargo's flagship flat-rate card, and the pitch is a single number: unlimited 2% cash rewards on every purchase with no categories to track and no annual fee.
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Sources
Affiliate disclosure
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Not financial advice
ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.