9
Benefits1
Reward Categories1.3x
Max Reward20%
APR FromBasic Information
PENDINGRewards Program (Detailed) 1 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| All Other Purchases | 1.25x | Miles | Earns 1.25 miles per dollar on every eligible purchase, every day. | No Cap |
Rewards Summary
PENDINGReward Type: Miles
Base Rate: 1.25x
Quarterly Rotating: No
Expiration Policy: Miles don't expire for the life of the account.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Transfer Partners: Air Canada Aeroplan, British Airways Executive Club, Emirates Skywards, Etihad Guest, Flying Blue (Air France-KLM), Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Wyndham Rewards, Accor Live Limitless
Redemption Penalties: Cash back redemption at 0.5 cents per mile.
Benefits & Protections (Detailed) 9 Total
PENDINGDigital Tools 1
Eno, your Capital One assistant
Personalized financial assistanceA digital assistant that helps manage money, track spending, and provides other account management features.
Purchase Protection 1
Extended Warranty Protection
1 additional year of warranty protectionAdds an additional year of warranty protection to eligible items that are purchased with your VentureOne card.
Rewards 1
Unlimited Miles Earning
1.25 miles per dollarEarn an unlimited 1.25 miles for every dollar spent on all purchases, every day.
Security 3
$0 Fraud Liability
$0 liability for unauthorized chargesYou are not responsible for unauthorized charges if your card is lost or stolen.
Security Alerts
Real-time alerts for suspicious activityReceive alerts by text, email, or phone if Capital One notices suspicious activity on your account.
Virtual Card Numbers
Enhanced online securityShop online with an automatically generated virtual card number to help protect your actual card number from being compromised.
Travel 1
No Foreign Transaction Fees
$0 foreign transaction feesAvoid transaction fees when making purchases outside of the United States.
Travel Insurance 2
Travel Accident Insurance
Automatic insurance for covered lossGet automatic insurance for a covered loss at no extra charge when you purchase your common carrier fare with your VentureOne card.
Auto Rental Collision Damage Waiver
Coverage for damage due to collision or theftProvides coverage for damage due to collision or theft when you rent an eligible car and decline the rental company's collision insurance.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING20,000
Points/MilesRequirement: Spend $500 in 90 days
Timing: Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. Bonus miles will be applied to your account within 2-3 billing cycles after meeting the spending requirement.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transferred balance |
| Cash Advance: | Either $5 or 3% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 19.99% - 29.99%
Balance Transfer APR: 19.99%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 15 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the VentureOne bonus typically requires that you have not received a bonus for this specific product in the past 24-48 months and are not currently holding the VentureOne card. General Capital One application rules for 2026 are expected to include: a good to excellent credit score (typically 670+), income verification, and sensitivity to recent applications. Capital One generally limits applicants to one new card approval every 6 months and may have a soft limit of around 5 personal credit cards total with the issuer. While VentureOne itself does not have a 'once per lifetime' bonus restriction, Capital One's broader application rules and credit exposure limits can impact eligibility for new cards.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: The most prominent 'cliff effect' within the Capital One Venture family is the 'Venture X once per lifetime bonus restriction.' This means if a user has ever received the welcome bonus for the Venture X card, they are generally ineligible to receive it again. For VentureOne specifically, the 'cliff effect' is typically tied to not having received a bonus for this particular product within a specified timeframe (e.g., 24-48 months). Holding a VentureOne card does not inherently prevent eligibility for Venture X (or vice-versa) in terms of product family, but Capital One's overall application velocity rules (e.g., one application every 6 months, total card limit) can create practical limitations on acquiring multiple cards within the family.
Special Events: N/A
Holiday Promos: N/A
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.0 / 5.0
Top Positive:
No annual fee, simple unlimited 1.25x miles on all purchases, easy travel redemption, no foreign transaction fees.
Top Negative:
Lower rewards rate compared to premium travel cards, limited travel benefits, no bonus categories.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Capital One Quicksilver Cash Rewards Credit Card
- Capital One SavorOne Cash Rewards Credit Card
- Capital One Venture X Rewards Credit Card
Card Value Score: 80.0 / 100
Est. Annual Rewards: $187.50
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0