- Sign-Up Bonus
- 5
- Spending Multipliers
- 4.5
- Credits & Features
- 1
- Fees
- 5
- Application
- 5
- Issuer
- 4.5
Summary
- Sign-Up Bonus
- 5
- Spending Multipliers
- 4.5
- Credits & Features
- 1
- Fees
- 5
- Application
- 5
- Issuer
- 4.5
The Capital One VentureOne Rewards Credit Card is a no-annual-fee travel credit card designed for beginners, occasional travelers, and budget-conscious consumers who want to earn miles without paying to carry the card. With unlimited 1.25x miles on every purchase, it offers simple, flat-rate rewards on everyday spending like groceries, gas, and streaming services, making it a solid entry-level option for those new to travel rewards. The card also charges no foreign transaction fees, which makes it a smart pick for international trips or study abroad. Additional perks include Hertz Five Star status, 50% off handcrafted beverages at Capital One Café, and emergency card replacement for peace of mind while traveling. While elevated earning categories require booking through Capital One Travel and the base earning rate is lower than premium Venture cards, the VentureOne Rewards card is best suited for light travelers and students who want flexible miles, basic travel benefits, and long-term value without an annual fee.
Pros
Cons
Issuer
Capital One, established in 1994 as a spin-off from Signet Financial Corp, has grown into one of the largest banks in the US with international presence in the UK and Canada. Leveraging data-driven strategies, it offers a diverse range of financial products, including credit cards, checking, savings, and business services. While serving over 100 million customers, Capital One is recognized as a subprime lender, occasionally denying credit to those with higher credit scores. With $662 billion in total assets and $69 billion in annual revenue in 2025, it maintains financial stability. The company emphasizes technology, employing real-time data, AI, and machine learning, and is committed to environmental sustainability, aiming to reduce GHG emissions and support renewable energy. Despite a decreasing physical branch presence, Capital One continues its mission to revolutionize banking by bringing ingenuity, simplicity, and humanity to the industry, reflecting a dedication to financial inclusion and adherence to regulatory standards as an FDIC-insured institution.
Spending Multipliers
5x
Miles on hotels through Capital One Travel
5x
Miles on vacation rentals through Capital One Travel
5x
Miles on car rentals through Capital One Travel
5x
Miles on Capital One Entertainment
1.25x
Miles on all other purchases
Credits & Features
Application
- Capital One has a strict 1/6 rule, meaning you can only apply for 1 Capital One card every 6 months
- Consider having at least a credit history for 3 year
- Capital One usually pulls from all 3 major credit bureaus
- See if you are pre-approved before applying
- Capital One states that for excellent credit, you may never have declared bankruptcy or defaulted, not been more than 60 days late on a payment, and have a credit history of 3+ years with a limited of $5,000+
Fees
- No Annual Fee
- No Foreign Transaction Fee
- Up to $40 late fee
- 18.49% - 28.49% Variable APR
- 28.49% APR for Cash Advance
- $5 or 5% of each cash advance amount (whichever is greater)
- 18.49% - 28.49% APR for Balance Transfer
- 4% of each transfer amount