What Credit Score do I need to get the Capital One Venture Rewards Credit Card?

You should have at least a 700 FICO score before applying for the card.

Do I Need to Pay My Venture Rewards Credit Card Bill in Full Every Month?

Yes, yes and double yes. It doesn't matter how much the card gives you in rewards; it will never offset the double-digit interest rates charged on any balance that you carry over from month to month. If you currently carry a balance, forget the rewards or miles credit cards and get a low-interest rate card, instead.

Does the Capital One Venture Rewards Card Provide Car Rental Damage Insurance?

It does, but only secondary insurance. There are only a few credit cards that provide primary insurance , which means that the card's insurance, not your primary auto insurance company, handles any incidents. For a great card option with primary coverage, check out the Chase Sapphire Preferred card or any of the ones on the above list.

Can I Transfer Capital One Miles to Other People?

Yes, you can. They're pretty liberal with allowing you to share Capital One Miles with other people. The only real requirement is that they need to go to another Miles-earning account, not a Capital One credit card that offers cash back.

Does the Capital One Venture Rewards Card Offer Airport Lounge Access?

Not yet, although we do know that Capital One is opening airport lounges soon.

Do Capital One Miles Expire?

Not as long as you have the card. This is a particularly important point, since you'll want to use your miles for the purchase eraser. You can wait as long as you want until you have an eligible travel expense.

What Does Capital One Count as a Travel Expense for the Purchase Eraser?

Purchases made from airlines, hotels, rail lines, car rental agencies, limousine services, bus lines, cruise lines, taxi cabs, travel agents and time shares are generally considered to be travel purchases. Note that it is the merchant, not Capital One, that codes the transaction category.

Is There a Limit on The Number of Capital One Miles I Can Earn?

No, so spend away. The limit on your points earnings is a function of how much you can spend. Remember, don't let the tail wag the dog. If you're not paying off your balance every month, get a low-interest rate card.

What Credit Bureaus will Capital One Pull for an Application?

One drawback to Capital One is that they will pull from all three bureaus - Equifax, Experian, and TransUnion.

Can I Add an Authorized User to my Venture Card?

Yes, you can, and their spending will earn points for you. There's no charge to add an authorized user.

Does the Capital One Venture Rewards Credit Card Offer Access to My Credit Score?

You will receive access to your score from CreditWise, as well as receive notifications when there are changes to your score.

Is there a no-fee version of the Capital One Venture card?

There is. Called the Capital One VentureOne , you'll pay no annual fee, however, the card only earns 1.25 miles per dollar spent rather than 2 and the bonus offer for a new card pales in comparison by several hundred dollars worth of value, so it really makes sense to get this version of the Venture card. You can always downgrade it after the first year if you don't feel you are spending enough to justify the annual fee.

Is the Capital One Venture Card Worth It?

It is. I consider Capital One Venture to be as good as any 2% card on the market. It's true that you have to redeem for travel (or gift cards) to maximize the benefit but, if you're reading this, chances are good that you have at least occasional expenses in the eligible categories.

Capital One VentureOne Rewards Credit Card

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Annual Fee: $0

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

★ This card earns bonus points for spend in the following bonus categories:

Car Rentals5x

Expenses Not in Any Other Category1.25x

Hotels5x

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Card Features and Benefits:

This card offers 1.25x Capital One miles on all purchases (reduced from 2x miles on the Venture card, but with no annual fee).

Capital One VentureOne Review

Use these miles to book travel at 1 cent per point for an effective 1.25% cash back, or transfer them to a range of airlines.

You can transfer to more than 15 airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.

It also earns 5X on hotels and rental cars booked through Capital One Travel.

0% APR Offer

Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months

NOTE: Most people would fare better with the standard Capital One Venture card, despite its annual fee, because it earns at the rate of 2x per dollar instead of 1.25x.

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Capital One VentureOne Rewards Credit Card

★ This card earns bonus points for spend in the following bonus categories:

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