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Capital One · credit
Last updated
Welcome offer — Offer varies — typically 20,000 miles after $500 spend in 3 months Estimated by source
Portal caveat — Capital One Travel averages ~0.76% above booking direct; portal redemptions are worth less than the headline rate.
Apply on Capital One's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 5× | Hotels & rental cars via Capital One Travel Inferred by source |
|---|---|
| 1.25× | Every purchase, every day Inferred by source |
Capital One miles points transfer to these loyalty programs. Mostly 1:1 (Accor 2:1). Inferred by source
| Airlines (16) | |
|---|---|
| Hotels (3) |
No lounge access.
| Travel accident | Travel accident insurance Estimated by source |
|---|
Using VentureOne at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | 5% of each advance, minimum $5 Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Capital One VentureOne Rewards Credit Card has no annual fee.
The Capital One VentureOne Rewards Credit Card earns 5x on hotels & rental cars via capital one travel, 1.25x on every purchase, every day.
No — the Capital One VentureOne Rewards Credit Card does not include airport lounge access.
No — the Capital One VentureOne Rewards Credit Card has no foreign transaction fee, so it's a good card to use abroad.
Offer varies — typically 20,000 miles after $500 spend in 3 months. Welcome offers change frequently — confirm the current one on the issuer's page before applying.