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Capital One VentureOne Rewards Credit Card

A no-fee Capital One option that earns transferable miles.

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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Capital One VentureOne Rewards Credit Card

A no-fee Capital One option that earns transferable miles.

BONUS OFFER

20,000 miles when you spend $500 within 3 months

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Key facts

The ability to transfer Capital One miles to airline and hotel partners at no annual fee is the biggest upside to this travel rewards credit card.

Annual Fee:

$0

AVG Point Value:

$0.016 (Learn More)

Min. Credit Score for Approval:

670-739 * Good

APR on Purchases:

0 % Intro APR on purchases for 15 months, 19.99%-29.99% thereafter

APR on Balance Transfers:

0% Intro APR on balance transfers for 15 months, 19.99%-29.99% thereafter

Balance transfer fees

3% for the first 15 months or at a promotional APR that Capital One may offer you at any other time. No fee for amounts transferred at the Transfer APR

Foreign Transaction Fee:

0%

While the Capital One VentureOne Rewards Credit Card is straightforward to use, its earning structure isn’t the most rewarding. Still, with a $0 per year price tag and the ability to transfer to 18 airline and hotel partners, it’s a solid option for beginners. On the redemption side, the Capital One VentureOne has plenty of valuable options like Air Canada Aeroplan and Virgin Red. For simplicity’s sake, you can even redeem miles at a flat rate of 1 cent per point on all travel purchases.

Please note that select applicants for this card may, at Capital One’s sole discretion, receive a Visa Platinum instead of a Visa Signature card. The features, benefits, and review below are for the Visa Signature version of this card. If you are approved for a Visa Platinum version, please consult your benefits guide.

Reward multipliers

Earn a generous 5X miles per dollar spent on hotels and rental cars booked through Capital One Travel. In addition, you’ll earn a flat 1.25X miles per dollar on all other eligible purchases.

indoors, vacation, table

Earns bonus points for spend in the following bonus categories:

Only when booked via the Capital One Travel Portal; otherwise earn 1.25X miles per dollar.

5x
Hotels

Estimated Rewards Value: 8%

Only when booked via the Capital One Travel Portal; otherwise earn 1.25X miles per dollar.

5x
Car Rentals

Estimated Rewards Value: 8%

1.25x
Everything Else

Estimated Rewards Value: 2%

Key features

1

Unique Card Benefits

Capital One Dining

Capital One Venture One cardholders (and those with other Capital One cards) get access to the Capital One Dining program. Several unique features include the ability to book hard-to-get restaurant reservations in major cities across the country. In addition, there’s the ability to gain access to special events, like chef collaborations and dinners curated by world-renowned chefs.

Capital One Entertainment

Capital One Entertainment allows those with the VentureOne Reward Credit Card (and those with other Capital One rewards cards too) to redeem miles for tickets and packages at thousands of events worldwide. While the redemption rate varies, cardholders typically get less than once per point in value when redeeming this way so it perhaps isn’t the best of the multiple redemption options.

2

0% Intro APR on Purchases

0 % Intro APR on purchases for 15 months, 19.99%-29.99% thereafter

3

0% Intro APR on Balance Transfers

0% Intro APR on balance transfers for 15 months, 19.99%-29.99% thereafter

Balance Transfer Fees: 3% for the first 15 months or at a promotional APR that Capital One may offer you at any other time. No fee for amounts transferred at the Transfer APR

4

Secondary Car Rental CDW Waiver

Those with the Capital One VentureOne Rewards Credit Card receive secondary car rental insurance, covering damage due to collision or theft on eligible vehicles when they use the card to pay for the rental. This is a benefit of Visa Signature, with most VentureOne cards issued as such.

ventureone

 

5

Earns Transferable Points

You’ll earn valuable Capital One miles which is worth a redemption value of at least one cent per point on travel purchases or the ability to transfer miles to Capital One’s range of 18 airline and hotel partners.

Some of my favorite ways to leverage Capital One transfer partners include redemption options to fly in business and first class around the world. For instance, one option is transferring miles to partner Avianca LifeMiles for Lufthansa first class between Chicago and Frankfurt (87,000 Capital One miles). Turkish Airlines’ program is another great one for booking Star Alliance flights at a bargain number of miles.

These are Capital One’s current transfer partners:

Capital One Miles
Transfer RatioExpected Transfer Time
Air Canada (Aeroplan)1:1Instant
Air France / KLM Flying Blue1:1Instant
Avianca Lifemiles1:1Instant
Aeromexico1:1Instant
British Airways Avios1:1TBD
Cathay Pacific Asia Miles1:1Nearly instant
Choice Hotels1:11 day
Emirates Skywards1:1Instant
Etihad Guest1:11-2 days
Finnair1:1Instant
Qantas1:11-2 days
Singapore Airlines KrisFlyer1:11-2 days
TAP Air Portugal1:1TBD
Turkish Airlines Miles&Smiles1:1TBD
Wyndham Rewards Hotel Program1:1Instant
EVA2:1.51-2 days
Accor Live Limitless (ALL) Hotel Program2:11-2 days
Virgin Red1:1TBD

Also, see our Capital One Miles Guide for more on how to earn and redeem Capital One Miles.

6

Purchase Protection

A benefit for VentureOne Visa Signature cardholders, you can replace, repair, or be reimbursed for eligible items of personal property up to $500 per claim for 90 days from the date of purchase due to covered reasons. (Visa Platinum benefits may vary.)

7

Extended Warranty

Capital One Venture offers extended warranty protection which doubles the time period of the original manufacturer’s written warranty up to one additional year on eligible warranties of three years or less. Coverage is up to $10,000 per claim and $50,000 per cardholder. This is a benefit of Visa Signature, with most VentureOne cards issued as such.

8

Trip Protections

Lost Luggage Reimbursement

If you paid for your fare with the Capital One VentureOne Rewards Credit Card and your luggage is lost due to theft or misdirection by the carrier, you could be eligible for coverage of up to $3,000 per trip. Note that this coverage is supplemental to any existing baggage insurance or reimbursement. This is a benefit of Visa Signature, with most VentureOne cards issued as such.

plane, seats, window

Travel Accident Insurance

Capital One VentureOne receives coverage for common carrier accidental death or dismemberment when you charge your entire travel fare to the card. (Visa Signature benefit; Visa Platinum benefits may vary.)

Roadside Assistance

Capital One VentureOne cardholders get access to convenient 24/7 towing, jump start, locksmith services, and more in the United States and Canada. (Visa Signature benefit; Visa Platinum benefits may vary.)

Travel and Emergency Assistance Services

Capital One VentureOne cardholders receive access to a travel and emergency assistance hotline that can help them if they run into problems on the road. However, all third-party costs and travel purchase are the cardholder’s responsibility. (Visa Signature benefit; Visa Platinum benefits may vary.)

No Fees for Authorized Users

There are no fees to add authorized users on the VentureOne.

9

No Foreign Transaction Fees

Capital One VentureOne does not charge any foreign transaction fees when using the card abroad. It;s worth noting that no Capital One credit cards charge a foreign transaction fee.

10

Concierge Services

For Capital One VentureOne Rewards Credit Cards that have a Visa Signature version, this provides cardholders with a concierge service feature that can assist with things like hard-to-get restaurant reservations or event tickets.

11

Free Access to Credit Score

Capital One VentureOne (and all other Capital One cards) get free access to your credit report via their included CreditWise offering.

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Pros & cons

  • Decent sign-up bonus with no annual fee
  • No foreign transaction fees
  • Solid array of travel and purchase protections
  • Not as strong travel and purchase protections as the more robust (and expensive) Capital One Venture X Credit Card
  • 1.25X per dollar is a fairly weak earning rate compared to the Venture or Venture X Cards
  • While the card is simple to use, there is effectively a lack of real bonus categories unlike some of its competitors

Capital One VentureOne Rewards Credit Card

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Our review

The no-annual-fee VentureOne Rewards Card is almost identical to the $95 per year Capital One Venture card with two major differences: It earns 1.25x miles per dollar on most purchases (while the Venture earns 2x), and it has less of a generous sign up bonus.

With the ability to transfer miles to travel partners or use miles to cover the cost of whatever travel charges you wish — along with a simple rewards structure — the VentureOne card is a decent no-annual-fee option. On the earnings front, Capital One miles are pretty much as easy as it gets. You’ll earn rewards at a rate of 1.25X miles per dollar spent on pretty much everything, with 5X miles per dollar spent on hotels and rental cars booked through Capital One Travel. That’s a bit lower than many other cards on the market, but on the flip side, many of those cards don’t offer the ability to outright transfer rewards to airlines and hotels, either.

capital one ventureone

Capital One’s redemption process is similar to other programs, such as Amex Membership Rewards and Chase Ultimate Rewards, with transferable points often providing a higher value for your travel rewards. Some high-value ways to use Capital One miles include redeeming with Air Canada Aeroplan, Turkish Miles & Smiles, and Virgin Red (redeem miles for Virgin Voyages and Virgin Atlantic). For simplicity’s sake, you can also book travel however you want, then redeem miles for a statement credit for some or all of the cost. Miles are worth a flat 1 cent apiece when redeemed this way — and there’s no minimum redemption amount.

On top of all of that, there’s a respectable array of travel and purchase protections (similar to the Capital One Venture Rewards Credit Card but not nearly as robust as the $395-per-year Capital One Venture X Rewards credit card).

This card is really best suited for those that are adamant about not paying an annual fee, want the flexibility to redeem their rewards for cash back, airline miles, or hotel points, and have no desire to be charged pesky foreign transaction fees when they travel abroad.

One “trick” worth knowing is that Capital One allows you to combine from a cash back card to another cash back card or from a cash back card to a miles card. So you could, for example, have both this card and a SavorOne card (with multipliers for dining and entertainment) and then combine your cash from the SavorOne to your VentureOne miles. They would convert at one point per cent.

Lastly, how might you decide between the Venture and the VentureOne when the Venture has an annual fee of $95, but earns 2X miles per dollar vs. 1.25 miles per dollar on the VentureOne?

The calculation is that at roughly $12,500 in annual spend, you would be better off, even with the $95 annual fee, with the Capital One Venture Rewards Credit Card as the additional rewards earned become more than the annual fee.

Frequently asked questions

1

Does the VentureOne Credit Card have an annual fee?

No, there is no annual fee on this Capital One credit card.

2

Does the VentureOne card get you into airport lounges?

No, unlike some of Capital One’s other travel rewards credit cards, like the Venture X, VentureOne doesn’t come with airport lounge access.

3

Is it hard to get the VentureOne card?

The VentureOne card is a fairly straightforward approval for those with good credit. Capital One seems to be generous with the both credit limit and line amount offered as well.

4

Is it worth getting the VentureOne card?

For cardholders who value simplicity in earning miles and no annual fee, the Venture Rewards card is a solid option. However, it may also make sense to look into the $95-per-year annual fee Venture Card option if you spend at least $12,500 a year.

5

How do I earn points / cash with the VentureOne card?

VentureOne cardholders earn 5X miles per dollar spent on hotels and rental cars booked through Capital One Travel. In addition, you’ll earn a flat 1.25X miles on all other eligible everyday purchases, meaning your everyday spending.

6

Is there a better credit card than the VentureOne card?

It all depends on your individual preferences. While you’ll earn higher rewards on some other cards, you may also be charged an annual fee or have to remember different bonus categories. Use our interactive card explorer to see if there is a card that has features and benefits that more closely align with what you want in a credit card.

7

Does the VentureOne card charge foreign transaction fees?

No, the card doesn’t charge a foreign transaction fee.

8

Does the VentureOne card have car rental coverage?

VentureOne cardholders receive secondary car rental insurance by way of Visa Signature benefits. (Visa Signature benefit; Visa Platinum benefits may vary.)

9

Does the Capital One VentureOne Rewards Credit Card come with any Elite Status?

No, the VentureOne card doesn’t come with any elite status benefits.

10

Does the Capital One VentureOne Rewards Credit Card offer extended warranty?

Yes, the card offers extended warranty protection which doubles the time period of the original manufacturer’s written warranty up to one additional year on eligible warranties of three years or less. Coverage is up to $10,000 per claim and $50,000 per cardholder.

11

Does the Capital One VentureOne Rewards Credit Card offer purchase protection?

Yes, the VentureOne card offers purchase protection, up to $500 per claim for 90 days from the date of purchase due to covered reasons. (Visa Signature benefit; Visa Platinum benefits may vary.)

12

Does the Capital One Venture One Rewards Credit Card offer trip protections?

Yes, the VentureOne comes with a variety of trip protections, including travel accident insurance and lost luggage reimbursement coverage. There is also secondary rental car coverage. T(Visa Signature benefit; Visa Platinum benefits may vary.)

13

What credit score do I need to get a Capital One VentureOne Rewards Credit Card?

While there isn’t a designated requirement for a specific credit score, good credit, or a FICO of around 670 or better, is probably needed to be approved.

14

What can I do with the points earned for spending on the Capital One VentureOne Rewards Credit Card?

There are a few options here. You can either cash out your points like cash for travel purchases to easily cover travel expenses (for example, 10,000 points equals $100 in travel purchases) or you can transfer your miles to a range of hotel and airline partners as described in the article and in our Capital One miles Guide.

15

Does Capital One VentureOne have Cell Phone Protection?

No, the Capital One VentureOne credit card does not come with cell phone protection benefits.

16

Does the VentureOne come with TSA PreCheck or Global Entry?

No, the card doesn’t offer those benefits but its $95 per year sibling, the Capital One Venture Rewards card does.

17

How does the Capital One VentureOne Rewards Credit Card compare to the Citi Double Cash Card?

18

How does the Capital One VentureOne Rewards Credit Card compare to the Capital One Venture Rewards Credit Card?

The sibling to the Venture One, the Venture card offers perks like Global Entry or TSA PreCheck statement credit, a bigger sign up bonus, and increased travel rewards for each dollar spent — all for an annual fee of $95. You can compare the Capital One VentureOne Rewards Credit Card to the Capital One Venture Rewards Credit Card here.

19

How does the Capital One VentureOne Rewards Credit Card compare to the Chase Freedom Unlimited card?

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