Venture One: 1.25X Miles on All Purchases with No Annual Fee
Earn unlimited 1.25X miles on every purchase, plus no annual fee and no foreign transaction fees, with flexible travel redemptions and transfer partner access. Earn 20,000 bonus miles after spending $500 in the first 3 months and enjoy 15 months of 0% intro APR.
The Bottom Line
4.5
BIG4CREDIT RANKING
Our 5-star rating is based on Big4credit’s independent, data-driven scoring system.
Each card is evaluated across multiple weighted categories – including rewards,
fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
Credit Card Ranking & Methodology section.
The Capital One VentureOne Rewards Credit Card is a solid no-annual-fee travel card for people who want simple travel rewards and flexible redemption options without paying a yearly fee. It earns unlimited 1.25X miles on every purchase, includes no foreign transaction fees, and allows miles to be redeemed for travel purchases or transferred to travel partners for potentially higher value. The card is especially appealing for beginners interested in travel rewards because it offers straightforward earning and redemption without the complexity or cost of premium travel cards. The intro APR offer and low spending requirement for the welcome bonus also make it relatively accessible. The downside is that the ongoing earning rate is modest compared to stronger flat-rate cashback and travel cards, including some no-annual-fee cards that earn 2% cashback or more. Overall, this card works best for casual travelers who value simplicity and flexible travel rewards more than maximizing everyday earning rates.
Venture One
Apply now
On Capital One's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
18.49% - 28.49% Variable APR
Credit Score
740-850 (Excellent)
Rewards Earn 5X miles when you book hotels, vacation rentals, and rental cars through Capital One Travel. Plus, earn 1.25X miles on all other purchases.
1.25x - 5x Miles
Welcome Offer Earn 20,000 bonus miles after spending $500 in the first 3 months. That's worth $200 when redeemed for cash.
20,000 Miles
Welcome Offer
- Earn 20,000 bonus miles after spending $500 in the first 3 months. That’s worth $200 when redeemed for cash.
Rewards
- 5X Miles on Hotels, Vacation Rentals, and Rental Cars booked through Capital One Travel.
- 1.25x Miles on all other purchases.
Redemption Options
- Redeem miles for travel, experiences, purchases at Amazon.com, PayPal checkout, and more.
- Transfer Points to Travel Partners: Transfer your points to 15+ airline and hotel loyalty programs for added travel flexibility.
Fees and APR
- Annual Fee: $0.
- 0% Intro APR on Purchases and Balance Transfers: For 15 months from account opening.
- Regular APR: After the introductory period, a variable APR of 18.49%, 24.49%, or 28.49% applies to purchases and balance transfers.
- Intro Balance Transfer Fees: $3% of each transferred amount that posts to your account within the first 15 months of account opening.
- Regular Balance Transfer Fees: 4% of each transfer amount for balance transfers made after the introductory period ends.
- Foreign Transaction Fee: None.
Travel Benefits
- Hertz Five Star® Status: Enjoy complimentary Hertz Five Star® status just for being cardholder. Skip the rental counter at selected locations, get access to a wider range of vehicle, and enjoy faster service and special upgrades when available.
- Flight Price Drop Protection: If a flight price drops within 10 days of booking through Capital One Travel, you may receive up to $50 in travel credit.
- Price Match Guarantee: Eligible bookings through Capital One Travel can be price-matched if a lower price is found.
Travel & Emergency Assistance
- Emergency Card Services: 24/7 assistance for emergency card replacement and cash advances if your card is lost or stolen.
Additional Features
- Automatic Credit Line Reviews: Be automatically considered for a higher credit line in as little as six months.
- Virtual Card Numbers: Make safer online payments without sharing your actual card number with merchants.
- Card Lock: Instantly lock your card or an employee’s card if it’s misplaced, lost, or stolen.
- CreditWise: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.
Convenience Features
- Authorized Users: Add authorized users at no cost and earn rewards on their purchases.
- Automatic Credit Line Reviews: Eligible accounts may be periodically reviewed for credit line increases based on eligibility and account history.
Nice Extras
- Capital One Travel: Integrated travel booking portal with price prediction tools.
- Entertainment Access: Capital One Entertainment® (presale ticket access and occasional exclusive events).
- Capital One Café Perk: 50% off handcrafted drinks at Capital One Café locations.
- Capital One Dining: Access to select restaurant reservations and curated dining experiences.
Shopping & Savings
- Capital One Shopping: An online shopping tool that automatically applies available coupon codes to help you save at checkout.
- Capital One Offers: Targeted merchant offers that may provide statement credits or bonus rewards on qualifying purchases. Offers vary by card and availability.
Additional Features
- Card Lock: Instantly lock your card if it’s misplaced, lost, or stolen.
- Virtual Card Numbers: Make safer online payments without sharing your actual card number with merchants.
- CreditWise by Capital One: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.
Terms and Conditions
- Click Apply Now to see the terms and conditions.
EarnSmart Rewards Strategy
- Savor Rewards: Earn elevated cashback on dining, groceries, and entertainment, helping maximize everyday spending alongside VentureOne Rewards travel benefits. 👉 Learn more about Savor Rewards.
- Discover it®: Earn 5% cashback on rotating quarterly categories (activation required), adding high-reward opportunities across a variety of everyday spending categories.👉 Learn more about Discover it®.