The Capital One Venture Card is a very good travel rewards credit card for people with 700+ credit scores who don't want to be tied down to a single travel provider. With an initial bonus worth $600 in travel, double miles on all purchases and a reasonable annual fee, it’s... show more
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The Capital One Venture card does not offer complimentary lounge access. However, Capital One will be launching its own airport lounges in the near future. The first lounge is scheduled to open at Dallas-Fort Worth International Airport in the fall of 2021, followed by two more locations, at Dulles and Denver airports, in 2022.
Details with regard to access have not been disclosed yet, but Capital One has stated that cardholders will be eligible for special pricing, depending on their card. You can learn more about developments to Capital One Lounges on their dedicated web page.
The Capital One Venture Rewards Credit Card concierge is a free benefit that acts like an on-demand personal assistant for cardholders. Capital One Venture cardholders can contact the concierge by calling the number in the card benefits guide to ask for help with nearly anything, from travel and purchase assistance... show more
The Capital One Venture minimum payment will be the greater of $25 or 1% of your balance plus new interest and late payment fees. If your entire balance is $25, then that's what the minimum payment will be.
Yes, you may be able to downgrade your Capital One Venture card. To downgrade a Capital One Venture card, log in to your online account and take a look at any available options. If none are present, or you'd like to explore more options, call the customer service number on... show more
Yes, the Capital One Venture Card has a grace period of at least 25 days, lasting from the end of each billing cycle until the payment due date. If cardholders pay their Capital One Venture statement balance in full every month, Capital One will not charge any interest.
Yes, it is hard to get a Capital One Venture card because you need a good credit score of 700 or higher to have decent approval odds. The Capital One Venture card also is beyond hard to get for anyone who has applied for a Capital One card more than... show more
Yes, you can upgrade your Capital One Venture Rewards Credit Card to a better offer as long as you've had the card for at least several months, and you will have the best odds if your credit score and income have gone up since you applied. To see if your ... show more
The Capital One Venture credit card exchange rate is VISA's exchange rate on the date you make an international purchase. VISA exchange rates change on a daily basis, and they update these rates each day on their website.
While credit card exchange rates normally also include foreign... show more
There's no official Capital One Venture miles redemption chart. But that's because you don't need one. It's not that complicated. Capital One Venture miles are worth a penny each when redeemed for travel and half that when redeemed for gift cards or a statement credit. Since Venture gives you double... show more
Share your insights and review the Capital One Venture Rewards Credit Card
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41%
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4.0
2,639 reviews
2,639 reviews
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patrick_posey @patrick_posey
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1 Star Rating
After six months of being patient trying to work through a dispute with Expedia I ended up closing the account. This is not a company that will fight for its customers. I paid to have a flight rescheduled that was then cancelled by the airline (fun times trying to outrun Hurricane Maria...) Neither the airline nor Expedia would work with me on a refund. Capital One drug this out for SIX MONTHS and I patiently worked with them (shame on me). After six months they told me that it was too long to pursue this any further and washed their hands of it. I cancelled the card with $130 in points left on the card which they would not refund me. Hopefully they use it for personality training for the supervisor who handled my case because she has NONE.
Peace out Capital One, I won't be back. We transacted over $60K annually through that card and were never late on payments. I went to Citibank, got the same 2% rewards with no annual fee. And... and... wait for it... they have free TRAVEL INSURANCE in case crap like this happens to you! Pick another card and another company. This one isn't for you.
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Renee DuBiel @londonblue11
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2 Star Rating
They loudly claim that your 'rewards' never expire. So imagine my surprise when I find that I'm no longer able to apply my travel rewards after 90 days! Customer service reps had a difficult, tongue-tied time trying to explain to me that the travel expenses which enable me to claim my rewards - really are NOT my rewards. Capital One defines 'rewards' on this credit card as total expenses charged (which in fact give you nothing unless you have travel points to deduct from them). The poor phone reps trying to justify this scam to me were obviously squirming. Then they informed me that really, I can apply my travel points for up to 180 days of the travel purchase - but I have to phone them to do that, as they disappear from the screen (so how would anyone know that without keeping an Excel spreadsheet?) And I was told that if I could apply only a portion of my travel costs, the remainder would still be available to use. But that remainder also permanently disappears from the screen. When I asked to speak to a manager to complain about their false advertising, I was told "when I was approved for the card I was sent paperwork specifying that my travel purchases could not be redeemed after 180 days - somewhere in the fine print". Be prepared to receive a couple of dollars in the class action suit...
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sonja_scholl @sonja_scholl
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2 Star Rating
UGH! This is the first credit card I have had in 20 years! Redeemed my rewards and paid the balance as instructed. I was charged interest because the “rewards reduced my balance 338.00 but I still had to pay the total due 1537.04”! (Not 1199.04 as I was instructed to do) Right hand doesn’t know what left hand is doing! Lots of double talk! More trouble than it’s worth! Wouldn’t wave a 12.00 interest charge! Buhbye Capitol One!
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Jim M Leszczynski @jimleszczynski
Not waiving the interest charge sucks.
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radata235 @radata235
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1 Star Rating
I have used this card for a few years. They have allowed a fraudulent charge that has cost me $1100 & customer service didn’t do anything to resolve the issue. Capital one provided me with 0% protection against a fraudulent / scam charge. Definitely not recommending it to anyone
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perjunk @perjunk
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1 Star Rating
I applied for this card online and was approved with a $10,000 credit limit. Received the card and attempted activation which failed. Called customer service, was transferred to the fraud department where a rep told me there was high suspicion that the application was fraudulent (in other words that I was committing fraud) and that I would need to send in copies of my drivers license, a utility bill or bank statement, and my social security card. Two red flags right away. One, why would they send me a card when there was a high risk of fraud in their opinion? Two, I have never been asked for my physical SS card and I guard it closely. I told the rep I would not send in my SS card as I thought this was risky and unnecessary. I was put on hold then told I was approved to only provide one form of ID, my Drivers license, and that the fastest way to get approval would be to go to a bank and present my ID to a banker. The next day I called back to confirm this information and the rep again checked with someone and assured me this was correct. So I went to a bank, presented my ID to the banker who called the fraud department. I was put on the phone and the rep proceeded to tell me that I could not have my identity verified by this route. Unbelievable and embarrassing. I called later and requested my account be closed and requested a letter stating account closure which I have not received. If you do a search about this you will find numerous reviews about being subjected to this bogus fraud suspicion and how many people are still denied activation even when sending in all the requested documents. I have no idea what flagged me as high risk for fraud...the only thing I can imagine is that my physical address and mailing address (a USPS PO Box) are different. Never again would I do business with this company. And now I have hard hits on TU and Equifax. My advice if you get this runaround...just immeditately cancel, it's not worth the misery.
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Marvelle @marvelled
My exact experience, I am sure it’s the same reasons as well. I have a different mailing address from my physical address. There’s nothing on their website that says this is a problem. No one told me my card was restricted either including the app. I spent the holidays confused as I sat to eat at a restaurant only to find the card was declined and could by any presents for my kids this past Dec either. They couldn’t even give me proof the accounts were closed. The incompetence is astounding and their willingness to close account so quickly rather than fix their issues. Also, how can I access the account to close it but not have access to use it???!! Riddle me that Capital ONe
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Mary Barney @maryb202
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5 Star Rating
I like it because it's going to let me have a credit card yay and hopefully by tomorrow
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Justin Thuss @justint2
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5 Star Rating
Just got approved for 5k, I love capital one. The rewards and benefits of this card are amazing, I would definitely recommend applying
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BarbieW @barbiew
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5 Star Rating
I decided to purchase the Capital One Venture Rewards credit card because I had a close friend with the card who had nothing but positive reviews about the card. I obtain points each time I use my card and have been able to use these points for later purchases. I like this perk very much, but the one thing I would improve is how much we get back. Instead of 40,000 miles, it should be smaller, such as 20,000 or even 30,000. In the end though I would recommend this card to users because there's no expiration date and you can keep earning as much as you'd want.
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Frank33 @frank331
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4 Star Rating
Over the years I have had many experiences with "rewards" cards. But I have to say that my Capital One Venture Card, has provided me with more solid and noticeable rewards than any of the others! I travel a lot as a backpacker, thus getting everything I can for my money spent, only adds to my ability to travel! The miles and rewards add up quickly, as well as a solid interest rate, this credit card has been perfect for my needs!! And on top of that, no foreign transaction fees!!
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Frank Thomas @Frank33
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5 Star Rating
Over the years I have had many experiences with "rewards" cards. But I have to say that my Capital One Venture Card, has provided me with more solid and noticeable rewards than any of the others! I travel a lot as a backpacker, thus getting everything I can for my money spent, only adds to my ability to travel! The miles and rewards add up quickly, as well as a solid interest rate, this credit card has been perfect for my needs!! And on top of that, no foreign transaction fees!!
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Comment
6
3
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Review Capital One Venture Rewards Credit Card
Expert Thoughts on Capital One Venture
To help people learn more about Capital One® Venture® Rewards Credit Card, WalletHub's editors posed the following questions to a panel of experts. You can meet our panelists and read their responses below.
Which would you say has been more responsible for the Capital One Venture Rewards Card’s longtime popularity: successful advertising or competitive rewards?
How do you expect credit card companies like Capital One to adjust travel-focused offers such as the Capital One Venture Rewards Card in light of COVID-19?
Who benefits more from credit cards made of metal: cardholders or card issuers?
John T. Bowen Ph.D., Professor Emeritus, Former Dean and Barron Hilton Distinguished Chair, Conrad N. Hilton College of Hotel and Restaurant Management, University of Houston Read More
Maggie Daniels Ph.D., Professor of Tourism and Events Management, College of Education and Human Development, George Mason University Read More
Matthew J. Bauman Ph.D., MS, Assistant Professor of Hospitality & Tourism Management, White Lodging School of Hospitality & Tourism Management, College of Business, Purdue University Northwest Read More
Berkita Bradford Department Chair, Associate Professor, College of Agriculture, Virginia State University Read More
David Baker Ph.D., Associate Professor of Hospitality Management, College of Business at Tennessee State University Read More
Mike Hampton Professor, Chaplin School of Hospitality and Tourism Management, Florida International University Read More
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