
Rewards rate
1.25 Miles - 5 Miles5 Miles per dollar on hotels and rental cars booked through Capital One Travel 1.25 Miles per dollar on every purchase, every day
Annual fee
Intro offer
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Pay over time APR
Regular APR
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Capital One VentureOne Rewards Credit Card Overview
If you’re an occasional traveler looking for a low-maintenance, low-cost travel rewards card, the Capital One VentureOne Rewards Credit Card may be the right fit.
This no-annual-fee card earns a marginally competitive, unlimited flat rate on all purchases. It also earns elevated cash back rates on hotels and rental cars when you book through Capital One Travel, and the generous sign-up bonus helps boost your first-year earnings. If you want a chance to make interest-free payments for a short period, there’s an intro APR offer on purchases and balance transfers.
The card also comes with a lineup of Capital One benefits and other perks to help you save time and money. For travelers on a budget, this card has plenty of everyday value, which could help compensate for the low rewards rate.
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Rewards
- 5X miles on hotels and rental cars when you book through Capital One Travel
- 1.25X miles on all purchases
Expert Appraisal: Unimpressive
See our expert analysis -
Welcome offer
- 20,000 bonus miles if you spend $500 within the first three months
Expert Appraisal: Good
See our expert analysis -
0% Intro APR offer
- 0 percent intro APR on purchases for the first 15 months
- 0 percent intro APR on balance transfers for the first 15 months
- 3 percent balance transfer fee on the amounts transferred within the first 15 months
- 19.74 percent to 29.74 percent variable APR
Expert Appraisal: Good
See our expert analysis -
Rates and fees
- No annual fee
- No foreign transaction fee
- 3 percent balance transfer fee on the amounts transferred within the first 15 months
Expert Appraisal: Good
See our expert analysis -
Other cardholder perks
- Capital One Dining
- Capital One Experiences
- Capital One Shopping
Expert Appraisal: Unimpressive
See our expert analysis
Capital One VentureOne pros and cons
Pros
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It has an attainable welcome bonus with a low spending requirement compared to other rewards cards.
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The intro APR offer on both purchases and balance transfers gives you time to save money on large purchases or past debt.
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The unlimited flat rewards rate allows you to earn travel miles on everyday spending, an ideal feature for infrequent travelers.
Cons
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No big ticket travel insurances you’d see on higher-end travel cards like trip cancellation and interruption insurance.
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The higher APR range could make it harder to pay off your debt if you don’t pay your balance in full each month.
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Applicants must have a good to excellent (670 to 850) credit score for approval, which limits eligibility for this card.
Why you might want the Capital One VentureOne
The Capital One VentureOne is ideal for anyone who wants to earn travel rewards, but may not travel enough to warrant a premier card with a hefty annual fee. Its low-spend welcome offer, generous intro APR offers and overall affordability make this travel card worth a look.
Welcome offer: Fairly low spend for a generous windfall of rewards
The VentureOne does have a welcome offer, another plus for a no-annual-fee travel card. You have to spend $500 in the first three months with the card to earn 20,000 bonus miles. This required spend is relatively low for a travel card, as many could require you to spend thousands in the same timeframe to earn a bonus.
If you redeem this bonus with Capital One, the average value is about $200 in travel. If you transfer your miles to one of Capital One’s partner programs, you could double the value of this welcome offer, based on Bankrate’s latest points and miles valuations. That means your intro bonus value could end up being an average of up to $400 in travel if you transfer with the right partner.
Intro APR offer: Generous for a travel credit card
Premium travel credit cards — and many travel cards in general — aren’t known for lengthy intro APR offers. While the intro offer on the VentureOne isn’t the longest available, it’s still competitive, especially for a travel card. Paired with the lack of an annual fee, the intro offers on the VentureOne boost this card’s status as a cost-conscious travel credit card.
Rates and fees: One of the most affordable travel credit cards
Many of the top travel credit cards on the market tout annual fees up to over $600. If you don’t travel enough to warrant such a high price to hold a credit card, the VentureOne is a much more cost-effective alternative. Capital One also won’t charge you any foreign transaction fees, but that should be standard on a good travel credit card.
Why you might want a different travel card
With fewer costs comes fewer perks, benefits and other premium features. Outside of basic Capital One benefits, there isn’t much this card has to show for in terms of extras. If you’re a frequent traveler looking for the most luxurious, high-end experiences, you might want to look elsewhere.
Other cardholder perks: Minimal outside of what’s exclusive to Capital One
The VentureOne comes with many of the same perks you’d get on any Capital One card. Some of these features include Capital One Dining, Capital One Entertainment and Capital One Shopping. All of these perks are essentially Capital One’s version of your basic issuer shopping portals, offering you a few exclusive discounts for being a Capital One cardholder. Many other credit card issuers offer similar features for their own cards, so these Capital One features aren’t too unique or extensive.
Rewards rate: Uninspiring flat-rate rewards
You’ll be able to earn travel rewards on everyday purchases like groceries and gas, but the unlimited rewards rate is one of the lowest flat rates for a travel card at 1.25X miles. Other travel cards similar to the VentureOne with no annual fee offer at least 1.5X miles on all purchases and you could even earn up to 2X miles as a base rate for a fairly low annual fee. Ultimately, while the chance to earn travel rewards on all types of spending is nice, this card’s flat rewards rate isn’t much to write home about.
We tried it: Here’s what our experts say
Bankrate editor Ashley Parks chose the Capital One VentureOne as her first travel credit card. She maximized the card’s value during her post-grad travels, but she’s traveled infrequently since. The card’s affordability and emphasis on everyday spending to earn travel miles work well for her lifestyle.
“The Capital One VentureOne card has been a great introduction into the travel card space for me. I traveled frequently in my first year post-grad, making it very easy to earn the welcome bonus. I was then able to use that offer to get a decent discount on a hotel I booked for a friend’s wedding using the Capital One travel portal. I think the best part of the VentureOne is the ability to earn travel miles on everyday expenses without an annual fee. I use the card for all of my recurring subscriptions right now as an easy way to earn travel miles. Though I don’t think I travel enough to justify the annual fee of the VentureOne’s slightly more lucrative sister card, the Capital One Venture, I do hope to upgrade sometime in the future when traveling more often becomes a frequent part of my life again.”
— Ashley ParksBankrate editor
How the Capital One VentureOne Rewards Credit Card compares to other travel rewards cards
The VentureOne is a solid option for people who don’t travel often, but it doesn’t offer the best flat rate on purchases. Like most travel cards that don’t charge an annual fee, it’s light on the additional benefits and perks. Here’s a look at two options for people who want to earn a higher flat rate while still skipping the annual fee or feel ready to upgrade to a card with more features.

Annual fee
Intro offer
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Rewards rate
5 Miles per dollar on hotels and rental cars booked through Capital One Travel 1.25 Miles per dollar on every purchase, every day
Recommended Credit Score
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Annual fee
Intro offer
Unlimited Bonus: Only Discover gives you an unlimited match of all the Miles you've earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There's no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Rewards rate
Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
Recommended Credit Score
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Annual fee
Intro offer
New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening
Rewards rate
5 Miles per dollar on hotels and rental cars booked through Capital One Travel 2 Miles per dollar on every purchase, every day
Recommended Credit Score
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Best cards to pair with the Capital One VentureOne
A credit card with bonus categories that reward your personalized spending habits with higher rates would make a great partner for your VentureOne travel card. That way, you can earn higher rewards for purchases you make regularly, and then use your VentureOne card for all your other eligible purchases.
Who is the Capital One VentureOne right for?
Bankrate’s Take — Is the Capital One VentureOne Rewards Credit Card worth it?
The Capital One VentureOne Rewards credit card may be the right fit for you if you want a low-cost card to help you rack up a modest amount of miles. With no annual fee to pay, you don’t have to invest anything to start earning 1.25X miles on every dollar you spend, and you can get a sizable welcome bonus too. But if you don’t mind spending more to earn more, and if you have good credit, a higher-tier Capital One card or another one of the best travel rewards cards can potentially offer you better value.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Dig deeper: Is the Capital One VentureOne worth it?