Capital One® VentureOne® Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card

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9.0/10 (Expert Score)
Product is rated as #8 in category Credit Cards
PROS:
  • No annual fee
  • 0% into APR offer
  • $200 bonus offer value
  • 1.25% purchase yield
  • Ability to transfer points/miles to more than 10 travel reward programs
CONS:
  • If you charge more than $12,666 there may be cards with better purchase yields available

Last Updated on January 17, 2021

The Capital One® VentureOne® Rewards Credit Card is an excellent, no annual fee credit card with a PointsAdventure.com purchase yield estimate of 1.25%.

This card carries a lower interest rate than its similarly named corporate sibling, Capital One® Venture® Rewards Credit Card and has no annual fee (versus a $95 fee for the Venture® card). If you carry a balance and/or charge less than $12,000 a year ($12,666 to be exact), this card may be a better value than the Venture® for you.

For those that may not qualify with Excellent credit, Capital One may offer a “Good” credit version of the card which carries a higher interest rate and no intro offer.

CARD DETAILS

Issuer & Payment Network

Issuer

Capital One

Payment Network

Visa

Network Benefit Level

Visa Signature

Estimated Purchase Yield

Estimated Purchase Yield

1.25%

Notes

Assumes points are redemed for travel. Capital One estimates that its miles are worth approximately $.01 in travel each

Bonus Offers

Bonus Offer Value

$200

Bonus Offer

20,000 bonus points (requires $1,000 in new purchases within first 3 months)

Ongoing Bonuses

None

Estimated Annual Card Value

Yr 1 @ $5k in Purchases

$262.50

Yr 1 @ $15k in Purchases

$387.50

Yr 1 @ $30k in Purchases

$75.00

Yr 2+ @ $5k in Purchases

$62.50

Yr 2+ @ $15k in Purchases

$187.50

Yr 2+ @ $30k in Purchases

$375.00

Valuation Notes

Bonus Offer Value plus Ongoing Bonus Value (if any) plus value of rewards at stated annual purchasing level less the annual fee

Airport Lounge Access

Lounge Access?

No

Lounge Network

Not Applicable

Guests

Not Applicable

Access Restrictions

Not Applicable

Reward Points

Do Points Expire?

No

Redemption Options

Travel (booked via rewards site), Merchandise, Gift Cards and Statement Credits

Can Points Be Transferred?

Yes - Aeromexico, Air Canada (Aeroplan), Air France & FLM (Flying Blue), Alitalia, Avianca, Cathay Pacific, Emirates, Ethiad, EVA Air, Finnair, Hainan Airlines, JetBlue, Qantas, Qatar Airways and Singapore Airlines

Fees & APRs

Annual Fee

$0

Foreign Transaction Fees

None

Late Payment Fee

Up to $40

APR - Intro (Purchases)

0% for first 12 months

APR - Intro (Balance Transfers)

15.49% - 25.49% + 3% fee

APR - Cash Advance

25.49% + $10 or 3% transaction fee (whichever is greater)

APR - Regular (Purchases)

15.49% - 25.49%

APR - Regular (Balance Transfers)

15.49% - 25.49% (no fee)

Grace Period

25 days after close of each billing cycle

Protections & Services

Zero Liability Protection

Yes

Purchase Protection

Replaces, repairs, or reimburses you for eligible items of personal property up to $500 per claim for ninety (90) days from the date of purchase due to covered reasons.

Extended Warranty Protection

Extended Warranty Protection doubles the time period of the original manufacturer’s written U.S. repair warranty up to one (1) additional year on eligible warranties of three (3) years or less for items purchased entirely with your eligible Visa Signature card. This benefit is limited to no more than the original price of the purchased item (as shown on your Visa Signature card receipt), less shipping and handling fees, up to a maximum of ten thousand dollars ($10,000.00) per claim and fifty thousand dollars ($50,000.00) per cardholder.

Trip Cancellation / Interruption

Trip Delay / Cancellation: No Lost Luggage: Checked or carry-on luggage is covered up to $3,000 if lost or stolen when you charge your entire common carrier ticket to your eligible Visa Signature card.

Auto Rental Collision Damage Waiver

Secondary Cover

Other Items

Recommended Credit Level

Very Good+ (FICO Score: 740-850)

Link to Issuer Website

https://www.capitalone.com/credit-cards/ventureone/

Date Information Confirmed

January 17, 2021

(Image: Capital One)

Capital One® VentureOne® Rewards Credit Card
Capital One® VentureOne® Rewards Credit Card
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