VentureOne Rewards for Good Credit Credit Card

VentureOne Rewards for Good Credit

Last Updated: 02/27/2026

Rating
3.3 / 5
Sign Up Bonus
No Welcome Bonus
Annual Fee
$0
Credit Score
Good

Summary

Sign-Up Bonus
0
Spending Multipliers
4.5
Credits & Features
1
Fees
5
Application
5
Issuer
4.5

The Capital One VentureOne Rewards for Good Credit card is a no-annual-fee travel rewards credit card designed specifically for consumers with good credit who want to earn miles while continuing to build or strengthen their credit profile. Offering unlimited 1.25x miles on every purchase, this card provides simple, flat-rate rewards on everyday spending like groceries, gas, and dining, making it a practical option for light travelers and responsible cardholders who prefer straightforward earning. It also comes with no foreign transaction fees, which is valuable for occasional international trips, plus perks like 50% off handcrafted beverages at Capital One Café and emergency card replacement for added peace of mind. While the card does not offer a welcome bonus and higher earning categories require bookings through Capital One Travel, it’s best suited for individuals with good credit who want a low-cost, low-commitment travel rewards card that delivers flexibility and long-term value without an annual fee.

Pros

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No annual fee
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No foreign transaction fee
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Travel portal price match

Cons

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No welcome bonus
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Elevated spending categories require use of Capital One Travel portal
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1.25x catch all category

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

1.25x

Miles on all other purchases

Credits & Features

50% off handcrafted beverages at Capital One Café
Emergency card replacement

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 2 year
  • Capital One usually pulls from all 3 major credit bureaus
  • See if you are pre-approved before applying
  • Capital One states that for good credit, you may never have declared bankruptcy or defaulted in the past 5 years, not been more than 30 days late on a payment

Fees

  • No Annual Fee
  • No Foreign Transaction Fee
  • Up to $40 late fee
  • 28.99% Variable APR
  • 28.99%APR for Cash Advance
  • $5 or 5% of each cash advance amount (whichever is greater)
  • 28.99% APR for Balance Transfer
  • 4% of each transfer amount
See Full and Updated Rate & Fee Schedule During Application Process