Capital One VentureOne Rewards for Students
Basic Information
Program ID: ventureone-student
Issuer: Capital One
Card Type: Credit
Network: Visa
Card Tier: Student
Data Complete: Yes
Created: 01/15/2026 17:23
Last Scraped: 01/15/2026 17:25
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: 0 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 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 credited to your account within 1-2 billing cycles (approximately 4-8 weeks) after meeting the spending requirement.
Rewards Program
Reward Type: Miles
Base Reward Rate: 1.25%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on hotels and rental cars booked through Capital One Travel; 1.25x on all other purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active
Transfer Partners: Air Canada Aeroplan, British Airways Executive Club, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, 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
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility: Must be actively enrolled in an accredited higher education institution (college, university, or equivalent), be 18 years or older, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Designed for individuals with limited or no prior credit history, requiring proof of income (e.g., part-time job, stipend, financial aid) to demonstrate repayment capacity. Bonus Rule (Hypothetical for 2026): Earn 20,000 Miles after spending $500 on purchases within the first 3 months of account opening (equivalent to $200 in travel rewards). Application Rules: Capital One typically limits new card approvals to one every six months. Applicants are generally restricted to holding a maximum of 2-3 Capital One credit cards at any given time, though this can vary based on credit profile and relationship with Capital One. Approval for student cards is often more lenient regarding credit history but still considers overall credit profile and existing Capital One relationships.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), rapid accumulation of high cumulative credit limits across Capital One cards, suspicious spending patterns inconsistent with declared income or student status, frequent balance transfers without genuine spending, repeated late payments, excessive chargebacks, or opening too many new credit accounts across all issuers in a short period.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Excellent for building credit with no annual fee and no foreign transaction fees, offering simple travel rewards and a decent sign-up bonus.
Top Negative Feedback:
Credit limits can be low, and the rewards rate, while good for a student card, is lower than premium travel cards.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Capital One SavorOne Student Cash Rewards Credit Card
- Capital One Quicksilver Student Cash Rewards Credit Card
- Discover it Student Cash Back
Card Value Score: 80.0 / 100
Est. Annual Rewards: $112.50
User Portfolio Metrics
Avg Portfolio Size: 1 cards
Avg Portfolio Age: 6 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0