Capital One® VentureOne® Rewards Credit Card
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Capital One® VentureOne® Rewards Credit Card
Highlights & Features
Rewards
- 10X miles per dollar spent at Hotels.com/venture
- 1.25X miles per dollar spent on all other purchases
- There is no limit to the amount of miles you can earn
INTRODUCTORY BONUS
20,000 bonus miles for spending $1,000 in the first 3 months after account openingBalance Transfers
A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.
| Intro Balance Transfer APR | None |
| Regular Balance Transfer APR | 13.74% - 23.74% (Variable) |
| Balance Transfer Fee | $0 |
Fees
| Penalty APR | None |
| Late Fee | Up to $39 |
| Returned Payment Fee | None |
| Additional Cards Annual Fee | None |
| Foreign Transaction Fee | None |
Cash Advances
Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
- Cash Advance APR: 23.74% (Variable)
- Cash Advance Fee: 3% of the amount of the cash advance, but not less than $10
ABOUT THE ISSUER
Capital One
Capital One has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
Credit card issuer's websiteCapital One® VentureOne® Rewards Credit Card
Highlights
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
- Earn 1.25X miles on every purchase, every day
- Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
- Transfer your miles to over 12 leading travel loyalty programs
- Enjoy 0% intro APR on purchases for 12 months; 13.74% – 23.74% variable APR after that
- Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
The Capital One VentureOne Rewards Credit Card provides an excellent reward of 10X miles per dollar at Hotels.com/venture through January 2020, with 1.25X miles for every other purchase.
Capital One designed this card for people with excellent credit, but if your scores fall in the “good” range you probably have a decent chance of being approved, depending on other factors that affect your creditworthiness.
Every mile you earn will be worth 1 cent when redeemed for travel expenses, so you’ll have a cash back equivalent of 10% for purchases from Hotels.com. Other purchases will only have a 1.25% cash back equivalent, so you’ll typically want to use a different card for non-hotel spending.
You can also transfer miles to a variety of airline loyalty programs, where you may be able to find a better value than 1 cent each:
| Airline Partner | Transfer Rate |
|---|---|
| Aeromexico Club Premier | 2:1.5 |
| Air Canada Aeroplan |
2:1.5 |
| Air France KLM Flying Blue |
2:1.5 |
| Alitalia MilleMiglia |
2:1.5 |
| Avianca LifeMiles |
2:1.5 |
| Cathay Pacific Asia Miles |
2:1.5 |
| Emirates Skywards |
2:1 |
| Etihad Guest |
2:1.5 |
| EVA Infinity MileageLands |
2:1.5 |
| Finnair Plus |
2:1.5 |
| Hainan Fortune Wings Club |
2:1.5 |
| JetBlue TrueBlue | 2:1 |
| Qantas Frequent Flyer |
2:1.5 |
| Qatar Privilege Club | 2:1.5 |
| Singapore KrisFlyer |
2:1 |
This card is available at either the Visa Platinum or Visa Signature level, depending on your credit limit when approved. Visa Platinum cards have basic shopping and travel protections, while Visa Signature cards come with more protections and some value-adding perks.
You’ll get a 0% intro on purchases intro APR for purchases for for 12 months, giving you a year to pay off a vacation or any other expenses you might have. After that you’ll get a regular rate of 13.74% - 23.74% (Variable).
There’s no annual fee, and no foreign transaction fee.
If you’re looking for a card to book a variety of different hotels, the VentureOne Rewards should be a strong contender.
There’s another card in Capital One’s Venture line, with different card terms and rewards. It might be a better option for you, depending on what you’re looking for in a travel credit card.
| Card | Annual Fee | Purchase APR | Rewards | Benefits |
|---|---|---|---|---|
| Capital One VentureOne Rewards (Review) | $0 | 0% intro on purchases for for 12 months, then 13.74% - 23.74% (Variable) |
|
Visa Platinum or Visa Signature |
| Capital One® Venture® Rewards Credit Card (Review) | $0 intro for first year; $95 after that | 17.49% - 24.74% (Variable) |
|
Visa Signature |
