Capital One VentureOne Rewards Credit Card
Basic Information
Program ID: ventureone-rewards-for-good-credit
Issuer: Capital One
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 16:16
Last Scraped: 01/15/2026 16:18
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transfer |
| 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 posted to your account within 2 billing cycles (approximately 8-12 weeks) after meeting the spending requirement. In many cases, they may appear sooner, often within a few days after the statement closes in which the spending threshold was met.
Rewards Program
Reward Type: Miles
Base Reward Rate: 1.25%
Bonus Reward Rate: 5.00%
Bonus Categories: 1.25x All Purchases, 5x Hotels & Rental Cars booked through Capital One Travel
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Miles do not expire for the life of the account.
Transfer Partners: Aeroplan, Air France-KLM Flying Blue, British Airways Executive Club, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, EVA Air Infinity MileageLands, Finnair Plus, 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: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 739
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the Capital One VentureOne Rewards for Good Credit card is designed for applicants with 'good credit' (typically FICO scores in the 670-739 range). Eligibility requires a strong credit history, responsible credit management, and sufficient income. Capital One generally restricts new card applications to one every six months (1/6 rule). Applicants are typically not eligible for a sign-up bonus if they have received a bonus for the VentureOne card (or a substantially similar product) within the last 48 months. While the 'once per lifetime' bonus restriction is specifically tied to premium cards like Venture X, Capital One maintains strict internal rules regarding bonus eligibility across its product lines, often limiting bonuses to new customers or those who haven't held the specific product recently. Capital One also considers the number of existing credit accounts opened recently (similar to a 5/24 analogue, though not identical to Chase's rule) and the total credit exposure with the issuer.
Maximum Cards Per Issuer: 2
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit cycling, high cumulative credit limit across Capital One accounts, rapid application for multiple credit products (especially within Capital One), sudden uncharacteristic spending patterns, repeated balance transfers to new cards for bonus qualification, or failure to adhere to cardholder agreements.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
No annual fee travel rewards, unlimited miles on every purchase, easy redemption for travel, good for building credit history with travel benefits.
Top Negative Feedback:
Lower earning rate compared to premium travel cards, limited travel perks, miles value is fixed at 1 cent per mile.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Capital One Venture X Rewards Credit Card
- Capital One Venture Rewards Credit Card
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $225.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 88.0%
Terms Version Control
Version ID: v1.0