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Capital One Venture Rewards Credit Card

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welcome offer

Earn 75,000 points after spending $4,000 within the first 3 months.

Bonus Value

Approximately $750 - $975

Annual Fee

$95

Card Rewards

Unlimited 2 miles on all purchases

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. 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.

Card Overview

The Capital One Venture Rewards Credit Card earns 2 miles on all purchases. You get $100 credit towards Global Entry or TSA precheck and plus no foreign transaction fees. It also comes along with various basic travel insurance, so you can keep calm as you travel.

Card-Smart Tips & Advice
  • Credit: Good credit needed
  • Max cards: Capital One will only let you have a maximum of 2 personal Capital One branded credit cards. (This excludes co-branded credit cards like the Capital One Walmart Rewards card.)
  • You can only get approved for 1 Capital One card every 6 months (not always enforced)
  • Credit bureau: Capital One will usually pull your Experian, Transunion, and Equifax credit reports
  • If you freeze one credit bureau you can still get approved (the credit bureau you freeze cannot be Transunion)
  • Combining same-day credit inquiries: Credit inquiries for same-day applications will be combined. Note, Capital One will only approve you for one credit card application within every six months. (Combining credit inquiries will only make a difference when declined for your first try and you want to try a new one)
  • Check application status: You can  check your application status by calling 1 800 903 9177 or 1 877 277 5901
  • Reconsideration: If declined you can call 1 800 625 7866 to be reconsidered (Capital One will usually only reconsider an application due to application error)
  • Quickest way to get my card: Your new card will be available in your Capital One app immediately after you get approved (you might need the 3 digit security code on the back of your card to access it, which means you must wait for your physical card to arrive). Capital One physical credit cards cannot be expedited, only sometimes for replacement cards for a fee

  • Downgrade options: Downgrade options for Capital One cards are on account basis only. Not all accounts are eligible to downgrade cards. These are the downgrade options for an account that is eligible. You can downgrade the Capital One Venture Rewards Credit Card ($95) to the Capital One VentureOne Rewards Credit Card ($0) or to the Capital One Quicksilver ($0).

Approval Monitor (submitted by HelpMeBuildCredit users)

72% Approved
736 Avg. Score of those approved
28% Denied
Approved 72% (21)
Denied 28% (8)

Credit limit range $300-$30,000

Avg. Credit limit$11,990

Approved 72% (21)
Denied 28% (8)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

Welcome Offer Eligibility
The bonus may not be available for existing or previous account holders
Card Details And Benefits
Rewards

- Unlimited 2 miles on all purchases

Foreign Transaction Fee

No foreign transaction fee.

Global Entry and TSA pre-check

Get a statement credit for Global Entry or TSA Pre-Check every 4 years.

Auto Rental Collision Insurance

Secondary coverage for collision damage and theft on domestic rentals for up to 15 days, and primary coverage for collision damage and theft on international rentals for up to 31 days (excluding rentals in Israel, Jamaica, the Republic of Ireland, or Northern Ireland).

Travel Accident Insurance

Get coverage if you, G-d forbid, die in an accident while traveling or lose a limb, sight, speech, or hearing (on common carriers). Receive up to $250,000 in compensation.

Lost Luggage Reimbursement

Get up to $3,000 per person for lost luggage. Max $2,000 for NY residents.

Extended Warranty Protection

Get one additional year to your original manufacturer's warranty time. (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim, $50,000 per cardholder.

Purchase Protection

Get refunded if your purchase is damaged or stolen, up to 90 days from the date of purchase. Max $5000 per claim, $50,000 per account.

How can the points be redeemed?

Cashback: The points can be redeemed as cashback for half a penny per point. 

Capital One Travel: You can redeem 1 penny per point on Capital One Travel, to book flights, car rentals, hotels, and more.

Transfer to airline and hotel programs:  You can transfer your points to any of the following Capital One Travel Partners.

Airline partners:

  Transfer Ratio  Transfer time
Aeromexico, Club Premier 1:1 Instant
Air Canada, Aeroplan 1:1 Instant
Air France KLM, Flying Blue 1:1 Instant
Avianca, Lifemiles 1:1 Instant
British Airways, Executive Club 1:1 Instant
Cathay Pacific, Asia Miles 1:1 5 business days
Emirates, Skywards 1:1 Instant
Etihad Guest 1:1 24 hours
EVA Infinity, MileageLands 2:1.5 36 hours
Finnair Plus 1:1 Instant
Qantas, Frequent Flyer 1:1 24 hours
Singapore Airlines, KrisFlyer 1:1 36 hours
TAP Portugal, Miles&Go 1:1 Instant
Turkish Airlines, Miles&Smiles 1:1 Instant

Hotel partners:

  Transfer Ratio  Transfer time
ALL Accor  2:1 1 business day
Choice Privileges 1:1 Transfers will not be available until later on this year
Wyndham Rewards 1:1 Instant

Offset Your Travel Purchases: You can also pay for travel purchases on your card and offset the purchases with points. You can get 1 penny per point. So for example, a $100 hotel stay charged on your card can be paid back using 10,000 points. 

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
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.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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