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If you're looking for a way to earn travel rewards without breaking the bank, the Capital One VentureOne Rewards Credit Card (see rates and fees) could be the perfect solution. With a $0 annual fee, flexible redemption options, and a generous welcome bonus, this card offers a solid starting point for budget-conscious travelers. Let's dive into what makes the Capital One VentureOne card a standout option and whether it's the right fit for your wallet.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Credit Score:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR
Purchases: 0% intro on purchases for 15 months
Balance Transfers: 0% intro on balance transfers for 15 months (Balance Transfer Fee Applies)
Regular APR
19.24% - 29.24% (Variable)
Rewards
Earn unlimited 1.25X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
1.25X-5X miles
Annual Fee
$0
Welcome Offer
20,000 Miles once you spend $500 on purchases within 3 months from account opening
20,000 Miles
What really stands out is the incredibly easy-to-earn sign-up bonus. You can earn a 20,000-mile bonus (worth $200) after spending only $500 in your first 3 months (that's like earning 40x miles on that spend!). Redeem points by reimbursing yourself for travel expenses charged to your card, book through Capital One Travel, or transfer points to 15+ travel partners for potentially even greater value. If a straightforward travel rewards program, 0% Intro APR, & sign-up bonus with a low spending hurdle is most important to you, then this card is a very solid pick.
No annual fee
Sign-up bonus
Rewards on purchases
Great intro APR
No foreign transaction fee
Mediocre rewards rate
No bonus categories
$0 annual fee and no foreign transaction fees
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Transfer your miles to your choice of 15+ travel loyalty programs
Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
Who should consider the Capital One VentureOne card?
The Capital One VentureOne card is great for people who want to earn travel rewards without worrying about annual fees. Many top-tier travel credit cards charge hefty annual fees, which can be frustrating if you're on a budget. This card, like a direct flight, takes you right to "earning miles" without any layovers at "annual fees."
You get the best value transferring to one of Capital One's transfer partners, which are mostly international airlines like British Airways, Turkish Airlines, and Avianca.
However, you can also redeem credit card miles for travel expenses as a statement credit. This means you can use your miles to pay for more unusual travel costs, like a night at a treehouse hotel or a river cruise.
TIP
No trip? No problem!
If you're not going on a trip anytime soon, you can still redeem your miles a variety of ways, including:
Turning miles into cash back or gift cards
Using miles to pay for purchases on Amazon
Snagging tickets and experiences with Capital One Entertainment
Easy-to-earn welcome bonus
Some credit card welcome offers require thousands of dollars in spending to qualify for the bonus. This card is different. The Capital One VentureOne's welcome bonus is budget-friendly: Earn 20,000 Miles once you spend $500 on purchases within 3 months from account opening.
Long 0% intro APR offer
Still paying off your last vacation? The Capital One VentureOne card offers 0% intro APR on purchases and balance transfers for 15 months. The go-to 19.24% - 29.24% (Variable) APR applies at the end of the intro period. A balance transfer fee of 3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time will be charged on all balance transfers with this card.
That means you can transfer your credit card debt from another card to this one and pay it off over time. You'll have 15 months until Capital One starts charging interest on the debt you transfer.
Travel credit cards and 0% APR credit cards rarely overlap. If you're interested in paying off debt while earning miles on your day-to-day spending, this card was made for you.
Credit card comparison
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Best for cash back on rotating categories
Discover will match all the cash back you’ve earned at the end of your first year.
1% - 5% Cashback
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Best for cash rewards on everyday spending
$200 cash rewards
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
2% cash rewards
Earn unlimited 2% cash rewards on purchases.
Intro:
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 12 months from account opening
Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Best for unlimited rewards on purchases
25,000 points
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
1.5-3 points per dollar
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
Intro:
0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Balance transfers
may not be used to pay any account provided by Bank of America.
Purchases: 0% Intro APR for 15 billing cycles for purchases
Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
While this card is branded as a travel card, its perks are pretty basic. You won't find extras like trip cancellation insurance, rental car coverage, or TSA PreCheck credits here. Most travel credit cards with these benefits charge steep annual fees.
Lower earning rate
This card earns 5X miles on hotels and rental cars through Capital One Travel. On all other purchases it earns 1.25X miles per dollar. That's significantly lower than premium travel cards; unfortunately, those other cards usually charge hefty annual fees.
If you don't like annual fees, I'm right there with you. I need a travel card that doesn't cost an arm and a leg; I'm already paying an arm and a leg for my vacation!
I opted for the Capital One Venture Rewards Credit Card, which has a low annual fee ($95, see rates and fees) but earns 2X miles per dollar on every purchase. I find it earns miles pretty quickly, and the $95 annual fee is bearable for my budget.
Is the Capital One VentureOne worth it?
The Capital One VentureOne Rewards Credit Card (see rates and fees) is worth it if you're looking for a no annual fee card to help you earn miles. It offers a respectable earning rate across all spending categories, and has incredibly flexible redemption options.
That said, if you can afford an annual fee, you'll likely find cards with better perks and higher earning rates elsewhere.
How to apply for the Capital One VentureOne card
Applying for the Capital One VentureOne card is simple and only takes a few minutes.
You can apply on Capital One's website. All you'll need is basic information about yourself, such as your name, address, SSN or ITIN, and income.
You might receive an instant decision. If you're approved, Capital One will give you a virtual card to use online until your physical card arrives in the mail.
Is the Capital One VentureOne card hard to get?
Capital One doesn't disclose specific requirements, but most cardholders report needing a "good" credit score, typically 670 or higher, to qualify. This is similar to other rewards credit cards.
If your credit score isn't there yet, don't worry. Here are a few steps that can boost your credit score:
Pay your credit card bill on time each month
Pay off debt, especially credit card debt
Check your credit report for errors and dispute them
Final thoughts
The Capital One VentureOne card offers a no-fee way to earn miles and get your foot in the door with travel rewards. It's not the flashiest card, but I think it's one of the best credit cards for budget-conscious travelers.
At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.
FAQs
Cardholders typically report credit card approvals with credit scores of 670 and higher, although some were approved with lower scores.
Yes, Capital One allows you to redeem your miles for cash back or gift cards. You can also use them to pay for Amazon or PayPal purchases, get tickets and experiences through Capital One Entertainment using miles, and more.
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