Does Capital One VentureOne have a 0% APR intro period for new purchases? This question is about the Capital One VentureOne Rewards Credit Card

Does Capital One VentureOne have a 0% APR intro period for new purchases?

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This question is about the Capital One VentureOne Rewards Credit Card

Lisa Cahill, Credit Cards Moderator

@lisacahill • 11/05/21 This answer was first published on 11/05/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, the Capital One VentureOne Card has an introductory purchase APR of 0% for 15 months after account opening. Once this intro period expires, any remaining balance on the Capital One VentureOne Card will be subject to the regular APR of 19.74% - 29.74% (V).

Since the average 0% intro APR for new purchases lasts 12 months, the Capital One VentureOne Card offer is above average. The Capital One VentureOne Card also has a 0% intro APR for balance transfers, lasting 15 months. It is accompanied by a balance transfer fee of 3%.

It’s important to remember that even though you don’t pay interest during 0% APR periods, you still must make timely minimum payments each month. You should also consider paying more than the minimum, since you’ll want to pay off the credit card balance before the regular APR kicks in. For help planning your payments, try out WalletHub’s Credit Card Calculator.

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What is the Capital One Venture card interest rate?

The Capital One Venture card interest rate is 20.74% - 28.74% (V). The exact APR a Venture cardholder will get upon approval will be within that range, and it will depend on their overall creditworthiness. Capital One considers an applicant’s income, past payment history, credit score, and other factors when deciding on their interest rate. Keep in mind that only the most qualified applicants will get the lowest interest rate offered.

You can avoid the Capital One...

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What happens when 0% APR ends?

When a 0% APR period ends, the credit card’s regular APR will kick in. That rate will apply to any unpaid balance remaining on the credit card as well as any new purchases made from that point on. The regular APR that applies when a 0% APR period expires tends to be very high, so it’s best not to leave much of a balance for it to affect.

The only exception to this rule...

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What are the longest 0% APR credit cards?

The longest 0% APR credit card is the Wells Fargo Reflect® Card. This card offers an introductory purchase APR of 0% for 21 months from account opening and 0% for 21 months from account opening on qualifying balance transfers - subject to a fee of 5% (min $5). The card’s regular APR is 17.99% - 29.99% Variable.

Given its $0 annual fee, the Wells Fargo Reflect card makes for a great option both for financing larger purchases and transferring pre-existing debt. There are several other options with long 0% intro APRs that are worth taking into consideration.

Here are the longest...

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