Capital One Venture Rewards Credit Card
Basic Information
Program ID: venture
Issuer: Capital One
Card Type: Credit
Network: Visa
Card Tier: Premium
Data Complete: Yes
Created: 01/07/2026 11:50
Last Scraped: 01/15/2026 06:35
Fee Structure
| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $75,000.00
Spending Requirement: $4,000.00
Time Period: 90 days
Bonus Timing: Bonus miles are typically applied to your account within 2 billing cycles after you meet the spending requirement.
Rewards Program
Reward Type: Miles
Base Reward Rate: 2.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 2x miles on every purchase; 5x miles on hotels and rental cars booked through Capital One Travel
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Miles do not expire as long as your account is open and in good standing.
Transfer Partners: Air Canada Aeroplan, British Airways Executive Club, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, EVA Air Infinity MileageLands, Finnair Plus, Flying Blue (Air France-KLM), Qantas Frequent Flyer, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Red, Accor Live Limitless, Wyndham Rewards
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $85.00
Approval Criteria
Recommended FICO Range: 740 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, Capital One's Venture card bonus eligibility is projected to remain strict. Applicants are generally ineligible for the Venture card bonus if they have received a new cardmember bonus for any Capital One Venture family product (Venture, Venture X, VentureOne) in the last 48 months. The Venture X card specifically maintains its 'once per lifetime' bonus restriction. Eligibility requirements include having excellent credit, being at least 18 years old, and a U.S. resident. Capital One typically limits new card applications to one every six months and is known for pulling credit reports from all three major bureaus (TransUnion, Equifax, Experian).
Maximum Cards Per Issuer: 2
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit cycling, rapid application for multiple Capital One cards, high cumulative credit limit across Capital One products, failure to pay on time, suspected fraud.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.2 / 5.0
Top Positive Feedback:
Excellent travel rewards, simple redemption process, valuable sign-up bonus, no foreign transaction fees, solid earning rate on all purchases.
Top Negative Feedback:
Annual fee can be a deterrent for some, limited premium benefits compared to higher-tier cards, transfer partners not as extensive as some competitors, no bonus categories for everyday spend.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred
- American Express Green Card
- Capital One SavorOne Rewards
Card Value Score: 88.0 / 100
Est. Annual Rewards: $465.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0