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Friday, March 27th 2015

Capital One VentureRewards Credit Card

Capital One® Venture® Rewards Credit Card


Capital One® Venture® Rewards Credit Card Capital One Venture Rewards Credit Card

At Capital One's
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Call Capital One at
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Capital One Venture Rewards Credit Card
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want—no blackout dates
  • Miles don't expire and there's no limit to how many you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
  • 100% free Capital One® Credit Tracker — see your monthly credit score anytime and get automatic alerts
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 12.9% - 22.9% (Variable) $0 intro for first year; $59 after that Excellent/Good

 

Capital One® Venture® Rewards Credit Card

Purchases   Annual Fee : $0 intro for first year; $59 after that
Intro APR : N/A Credit Needed : Excellent/Good
Intro APR Period : N/A
 
   
Balance Transfer  
Intro APR : N/A
Intro APR Period : N/A
   
Regular APR : 12.9% - 22.9% (Variable)

Capital One® Venture® Rewards Credit Card Review

By: Sr. Product Analyst

Last update: March 10, 2015

 

The Capital One® Venture® Rewards card is a rewards card that offers consistent mile earning potential, as well as flexibility and protection as key components in its miles redemption and benefits programs. Here are the basics:

Early Spend Bonus One-time 40,000 bonus miles when you spend $3,000 on purchases in the first 3 months
Rewards
  • 2x miles for every $1 USD spent
  • No expiration date on rewards
Annual Fee
  • $0 first year
  • $59 per year after first year
APR
  • 12.9% - 22.9% purchase APR (variable)
  • 24.9% APR on cash advances (variable)
Credit needed Excellent/Good
Fees
  • $0 foreign transaction fees
  • $10 or 3% of the amount of a cash advance, whichever is greater

Additional Details:

  • Exclusive award-winning customer service
  • Visa Signature® benefits like concierge and travel upgrades
  • $0 Fraud Liability if your card is lost or stolen
  • Receive complimentary upgrades and special savings at hotels, resorts, and spas with your Visa Signature card
  • Enjoy personal assistance 24 hours a day, from home and when you travel, with Visa Signature Concierge
  • Your Visa Signature card gets you special access and preferred seating at popular sporting events, premier golf outings, and concerts
  • Take advantage of special discounts at top retailers and online merchants with your Visa Signature card
  • 24-hour travel & emergency assistance gives you a replacement card and cash advance
  • 24-hour roadside assistance
  • Extended warranty program
  • Travel accident insurance
  • Auto rental insurance—use your card to rent a car and you're covered for collision, damage and loss

Special Notes:

  • There is no balance transfer fee, however, there's also no introductory APR, so you'll only want to transfer your balance if Capital One's APR is lower than the rate on your existing balance. If you're looking for a Capital One card with an intro APR for balance transfers, check out the Capital One Card Finder Tool here!
  • The card comes with a $59 annual fee, which is waived for the first year. Keep this is mind when reviewing the card perks and rewards.
  • Miles earned as rewards through the Capital One® Venture® Card are fixed in value and not transferrable to your frequent flyer or frequent guest programs at airlines and hotels.

The Final Word:
The Capital One® Venture® Card is a great travel rewards card that allows you the freedom to redeem miles in a flexible manner, without expiration dates, earning limits, or blackout dates. As long as you're comfortable with a self-contained rewards program that does not give you option of transferring miles, the Capital One® Venture® Card is a worthy contender for your wallet space.

 



Helpful Links:
Other cards from Capital One
Credit card glossary   |   Credit card basics & help
Report a complaint - Consumer Financial Protection Bureau
All reviews are prepared by CreditCards.com staff. Opinions expressed there in are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.


* See the online Capital One® Venture® Rewards Credit Card application for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.

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