Capital One VentureOne Rewards Credit Card for Good Credit
Basic Information
Program ID: ventureone-good-credit
Issuer: Capital One
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 16:02
Last Scraped: 01/15/2026 16:03
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
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: 15 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $20,000.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Bonus miles are typically awarded within two billing cycles after meeting the spend requirement.
Rewards Program
Reward Type: Miles
Base Reward Rate: 1.25%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Hotels and Rental Cars booked through Capital One Travel
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: Air Canada Aeroplan, British Airways Executive Club, Emirates Skywards, Etihad Guest, Flying Blue (Air France/KLM), Turkish Airlines Miles&Smiles, Virgin Red, Accor Live Limitless, Wyndham Rewards
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 780
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, Capital One's VentureOne Rewards Credit Card for Good Credit is expected to maintain its core application and bonus eligibility rules, primarily targeting individuals with FICO scores typically ranging from 670-739. Applicants must demonstrate sufficient income and a manageable debt-to-income ratio. Application Rules: 1. **One Card Every 6 Months**: Capital One generally restricts applicants to one new personal credit card approval every six months. 2. **Recent Account Sensitivity**: Capital One is known to be sensitive to recent credit inquiries and new accounts opened with *any* issuer. Opening multiple new cards (e.g., 2+ in the last 6-12 months) may lead to denial. 3. **Bonus Eligibility**: The welcome bonus is typically not available to applicants who currently have or have recently had the VentureOne Rewards Credit Card. Capital One generally applies product-specific bonus restrictions rather than broad 'Venture family' restrictions for the VentureOne card itself, though overall credit limits and number of Capital One accounts can influence approval.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, credit cycling, rapid application for multiple Capital One cards, high cumulative credit limit across Capital One products, suspicious spending patterns, defaulting on payments, or significant changes in credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
No annual fee, simple and straightforward travel rewards, good for everyday spending, no foreign transaction fees.
Top Negative Feedback:
Lower reward rate compared to premium travel cards, limited redemption options outside of travel, not ideal for maximizing specific spending categories.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Capital One Quicksilver Cash Rewards Credit Card
- Chase Freedom Unlimited
Card Value Score: 70.0 / 100
Est. Annual Rewards: $250.00
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