Capital One® VentureOne® Rewards Credit Card

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Good to Excellent (670 - 850)

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Best for flexible travel miles with no annual fee

Annual Fee:
Purchase Intro APR:
0% intro on purchases for 12 months
Balance Transfer Intro APR:
Regular APR:
15.49% - 25.49% (Variable)
Terms and Restrictions Apply

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Capital One® VentureOne® Rewards Credit Card: Details and benefits

Cardholders earn 1.25x miles on every purchase (compared to the Capital One® Venture® Rewards Credit Card’s 2 miles per dollar) with no limit on how many miles you can earn. Plus, there’s a modest welcome bonus of 20,000 miles after spending $1,000 in the first three months.

You’ll have access to perks like Travel Accident Insurance, 24-Hour Travel Assistance Services, Extended Warranty protection on eligible purchases and more.

Perhaps one of the greatest perks of owning the VentureOne is its $0 annual fee — perfect for those opposed to that pesky, yearly charge. Between the card’s 0 percent introductory APR for 12 months on purchases (15.49 percent— 25.49 percent variable APR after), no annual fee and no foreign transaction fees, this card is a low-maintenance option for those looking to earn travel rewards. Furthermore, Capital One has been steadily growing its transfer partner list, meaning redeeming travel rewards is now easier than ever.


  • The 20,000 mileage bonus for spending $1,000 within the first three months is a nice perk and attainable for many. That’s worth about $200 in travel.
  • Cardholders earn at 1.25 miles per dollar on all spending and miles never expire. Every 100 miles can be redeemed for $1 worth of rewards.
  • Rewards are flexible and can be redeemed at any airline, hotel or rental car — and that includes travel discount sites.


  • If you plan on using your miles to pay for travel booked outside of the Capital One website, the mileage credits have to be redeemed within 90 days of making your travel purchase.
  • Other cards offer more lucrative sign-up bonuses and greater everyday rewards.

Is the Capital One VentureOne worth it for you?

When comparing the Capital One VentureOne and Capital One Venture Rewards, it all comes down to how you define your spending habits. If you’re new to the points and miles world and don’t want to spend a lot annually, the VentureOne may suit you well. On the other hand, if you have the financial flexibility, the Venture Card is probably a better fit.

The VentureOne can help you earn travel-based rewards without paying an annual fee. Plus, the card gives you the flexibility to book the airlines and hotels of your choice through any website. International travelers can enjoy no foreign transaction fees or blackout dates, meaning you’ll be able to travel with ease throughout the year.

If you’re willing to spend more than a couple thousand each year, there are better travel rewards cards than the VentureOne. But you do have the ability to upgrade to the Venture after owning the VentureOne for some time.

Get the most value from the Capital One VentureOne

Further information on how to maximize the miles potential of the VentureOne can be found in our Capital One Miles guide.

Make sure to utilize VentureOne’s built-in access to Visa Signature benefits, too. You’ll be able to utilize perks like travel upgrades, car rental collision insurance, lost luggage compensation and concierge services.

How much are the Capital One VentureOne rewards worth?

The VentureOne’s 20,000-mile welcome bonus for spending $1,000 in the first 3 months is valued at around $200 toward travel (enough to purchase a domestic round-trip ticket, depending on seasonality). After the first year, you’ll have to spend $4,750 just to earn enough miles to offset the Venture Rewards annual fee.

The break-even point of the VentureOne card is about $13,000 in spending per year. So, if you plan to spend more than $13,000 with your card, the Venture Rewards leans more in your favor. Otherwise, the VentureOne is a solid selection.

How to redeem rewards

Redeem your airline miles by logging into your online Capital One account and clicking “rewards balance” or by calling a Capital One representative.