The card_name has a new, exciting all-time high offer. You earn 75,000 miles after spending $4,000 within the first 3 months. Plus, get a $250 Capital One Travel credit to use within the first year. That’s a total of $1,000 in free travel! 

Here are answers to some popular FAQs about the card.

How much credit do I need to get approved?

In my experience, Capital One looks for about 1 year of credit history and a credit score of 700 or higher. 

You can check out our Credit Card Database for many data points on approvals here.

What is the annual fee?

The card_name has a $95 annual fee.

Which credit bureau does Capital One pull?

Capital One will pull your credit from all three credit bureaus: Experian, Transunion, and Equifax. You are able to freeze one of the credit bureaus and still get approved for the card (the credit bureau you freeze cannot be Transunion).

Is Capital One approving nice limits?

Our Credit Card Database shows very good approval statistics. Close to 80% of applicants were approved for the card, and many people received credit limits of $20,000 / $30,000! Plus, many people were able to double their credit limit by requesting an increase even after they were approved for the card.

You can check out card approvals in our Credit Card Database here.

Is Capital One Travel similar to Expedia?

Yes, you can book everything from airfare to hotels, car rentals, and more, at competitive prices; some even claim to find better deals on Capital One Travel than Expedia. 

The travel portal also offers a whole lot of great perks not found anywhere else, including:

• Predictive booking feature: It lets you know when it’s the best time to book
• Price drop protection: If you use the predictive booking feature but later find that the price is cheaper on a different day then Capital One will match the price
• Price freeze: This allows you to freeze a price and book up to 14 days later
• Price match guarantee: Capital One will match any price you find anywhere else within 24 hours of booking
• Cancel at any time for a small fee: This feature will allow you to cancel your flights even on non-refundable tickets for a small upfront fee. The feature is not yet available but will be coming soon

Can I downgrade the card?

You can downgrade the card_name ($95) to the card_name($0) or to the card_name ($0).

However, please note that downgrades are not always available. They can be targeted for each account, and some cardholders are not able to downgrade their Capital One credit cards. So with Capital One, you are never guaranteed that a downgrade will be possible. 

Another important thing to keep in mind is that you must downgrade the card 60 days before the card’s anniversary to avoid being charged the annual fee.

Can I get approved even if I already have two Capital One cards?

Many people are reporting getting approved even if they already have two Capital One cards open. I believe the max 2 Capital One card rule is no longer enforced. 

Can I get approved even if I recently got approved for another Capital One card?

Capital One will usually only approve one card within six months (including personal and business). 

Can I get my credit card numbers immediately after approval?

Your new card will be available in your Capital One app immediately after you get approved (but in some cases, 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). 

Physical Capital One credit cards cannot be expedited.

How can I check the application status?

You can check your application status by calling 1 800 903 9177 or 1 877 277 5901.

If I was declined can I have the application reconsidered?

If declined, you can call 1 800 625 7866 to be reconsidered (Capital One will usually only reconsider an application due to application error, for example, if you entered the wrong social security number or the wrong income, etc.).

Does Capital One have good airline and hotel partners?

Yes. Capital One greatly increased the number of partners and currently has 19 airline and hotel partners. Here is the full list.

Airline partners

Hotel partners

Does the Venture Rewards have foreign transaction fees?

No

What are the rewards on the card?

Unlimited 5 miles on hotels, vacation rentals, and car rentals booked through Capital One Travel

Unlimited 2 miles on all purchases

What other benefits does the card have?

The card comes along with the following benefits 

Global Entry and TSA Pre-check: Get a $120 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).

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.

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

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.

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.

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