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capital-one

Capital One VentureOne Rewards Credit Card

Credit needed
Excellent, Good
APR
14.99% - 24.99% (Variable)
Annual Fee
$0

Card Summary

Capital One VentureOne Credit Card has a straightforward rewards program that earns you 1.25 miles for every dollar spent. You can earn 20,000 bonus miles by spending $500 within three months of account opening. This is equivalent to $200 for travel.

For 15 months, you'll get an initial 0% APR. The ongoing APR for purchases after that is 0%. After 15 months, it's 14.99% to 24.99% (variable).

There is no foreign transaction fee and there are no annual fees.

This card may not suit everyone. Even though the annual fees are higher for serious travelers, they may still be eligible to receive more points with travel credit cards.

If you are looking for a longer promotional introductory rate of 0% on balance transfers or purchases, the card might not suit your needs.

A few benefits are offered by the Capital One VentureOne Credit Card. The card offers fraud protection and emergency card services. Additional benefits will be available to eligible cardholders who have been approved for the Visa Signature card.

Capital One VentureOne Credit Card Review:

The card has a straightforward rewards system and very low spending requirements to get a sign up bonus. There is no annual fee. It might not work for those who want to maximise their rewards.

The pros:

Purchases and Balance Transfers:

Offer a 15-month promotional offer at 0% APR.

Sign-up bonus requires minimal spending to be eligible for.

Charges no annual fee.

Card Summary - Cons

Reward rate is low.

Earns no bonus rewards.

You will receive a smaller sign-up bonus than other travel credit cards.

This is a great place to be: For those who don't want an annual charge, they can travel.Individuals who are planning to travel abroad and do not want to pay foreign transaction fees and cardholders that don't spend much. Balance transfer customers who require an introductory promotion at 0% APR.

It's not great for: For travelers who want to maximise their reward, customers who are looking for a larger sign-up bonus.

Rates and fees

Issuer Name
Capital One
Penalty APR
None
Credit Needed
Excellent, Good
Balance Transfer Fee
3%
Annual Fee
$0
Cash Advance Fee
The cash advance amount must not exceed $10, and 3% of it should be.
APR
14.99% - 24.99% (Variable)
Foreign Transaction Fee
None

Highlights

No foreign transaction fee, $0 annual chargeSpend $500 within three months of account opening to earn a bonus reward equal to $200.

Unlimited 1.25X Miles on Every Purchase, Every Day Miles don't expire over the lifetime of your account. There's no cap on how many miles you can earn.

Get 5X Miles on Hotels and Rental Cars booked with Capital One Travel. Capital One offers the best rates on thousands of Trip Options.

You can redeem your Capital One Travel miles for a reimbursement on any purchase or to book a trip with Capital One Travel.

You can transfer your miles to any of the 15+ loyalty programs you choose. Buy and Transfer Balances for 15% Months at 0% Intro APR. After that, 14.99% to 24.99% Variable APR.

Comparative Analysis with Other Cards

Capital One VentureOne Rewards Credit Card vs. Capital One Venture Rewards Credit Card:

Capital One Venture Rewards Credit Card offers 2 miles for every dollar and has a $95 per year fee. Capital One VentureOne rewards Credit Card, on the other hand, earns 1.25 mile per dollar and doesn't have an annual fee.

One-time Bonus of 60,000 Miles for Capital One Venture Rewards Credit Card Holders: Spend $3,000 within three months to open an account.
This is equivalent to $600 worth of travel. After spending $500 within three months of account opening, Capital One VentureOne Rewards Credit card holders receive a bonus of 20,000 miles equal to $200.

Capital One VentureOne Rewards Card vs. Bank of America travel rewards credit card:

Capital One VentureOne Rewards Credit Card earns unlimited 1.25 Miles per Dollar on all purchases, and Bank of America's Travel Rewards Credit Card earns unlimited 1.5 Points per Dollar on every purchase. The annual fees for both cards are not charged.

Capital One VentureOne Rewards Credit Card offers a 0% intro APR for purchases up to 15 months. After that, there is a 14.99%-24.99% Variable (Variable). For 12 billing cycles, the Bank of America Travel Rewards credit cards has a 0% initial APR for purchases. After that, a 13.99% to 23.99% variable rate applies to purchases and balance transfer purchases.

Capital One VentureOne Rewards credit card:

How to earn rewards?

Annual rewards valued at $230Value of the first-year cashback bonus: $200Value of first-year incentives: $430.

Earn 1.25 miles for every dollar you spend on purchases. Once you have opened your account, you will receive a bonus of $500 and 200 miles for every purchase. A mile equals one cent.

Although the rewards system is not complicated, it doesn't offer as much value as other credit cards that have similar rewards. The card does not have an annual fee so there is no need to worry about how much you spend to cover the cost.

Conclusion

Do You Need the Capital One VentureOne Credit Card?

If you are:

Accepts limited bonuses and low base rewards rates.

You want to skip an annual fee.

You can spend a lot of money on your hotel reservations.

You may be eligible for a 0% APR promotional offer.

Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

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