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Capital One VentureOne Rewards Credit Card

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201 reviews from Intuit Credit Karma members

4.3

Rating: 4.3 out of 5.

Great for travel rewards with no annual fee

Annual Fee: $0

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Capital One VentureOne Rewards Credit Card or similar cards.

% of members by credit limit range

$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 25% 14% 26% 24% 10%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 25% 14% 26% 24% 10%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 25% 14% 26% 24% 10%

The average credit limit for members who have matched with this card or similar cards is $9,571, with $10,000 being the most common.

Here’s the average credit score of members who matched their Capital One VentureOne Rewards Credit Card or similar cards.

% of members by credit score range

Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 2% 15% 17% 45% 21%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 2% 15% 17% 45% 21%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 2% 15% 17% 45% 21%

The average credit score for members who have matched with this card or similar cards is 701, with 810 being the most common. Note this is just one of the deciding factors when it comes to getting approved.


Member stats

Updated daily

30.4%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

44 years

Average age of members who matched this card or similar cards.

$95,667

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.



Member reviews

Overall rating:

4.3

Rating: 4.3 out of 5.

201 reviews from Intuit Credit Karma members

Most helpful positive review

March 11, 2015

4

Rating: 4 out of 5.

APPROVED!

Credit Karma Member

Credit Karma recommended I apply for Capital One's "VentureOne" card with good approval odds. I decided to apply, as I'd been working on improving my credit for the past two years. However, not wanting to just jump in, I researched both cards using Credit Karma's community reviews, credit card metrics, and other credit card boards for opinions, regarding approval. The general consesus is to use Capital One's "pre-approval" tool. Based on Capital One's questions/ remarks for defining "Excellent", "Average," or "Rebuilding," I defined my credit as "Excellent" - even though it's far from it: From Credit Karma: TransUnion Vantage Score: 687 TransUnion "New Account" (traditional FICO estimate): 629 From Capital One's report: TransUnion: 642 I chose "Excellent' based on my personal profile of not having the "Average" negative remarks/ notes. In any case, back to the pre-approval tool, they came back with the VentureOne as a recommendation. So, I figured I'd apply for the VentureOne - no lie, having Credit Karma's "recommend for you" (and the past couple years of credit rebuilding and the research) gave me the 'courage' to submit. 60 seconds later: APPROVED! Addional Credit Profile Notes: GOOD: My credit utilization, deragotory remarks, total accounts (mostly student loans), and credit inquiries were all in "Excellent" status. BAD: My payment history was very poor (95%), and my average age was poor (4y 7m). CAVEATS: All of my open/ current accounts have been on-time/ no lates for the past 2-3 years. My older accounts are student loans approaching 10 years. Lastly, I have 3 CLOSED/ REMOVED collection accounts. The most recent (and last) collection was closed less than a month before applying. I have a decent salary: $63,000. Additional Credit Card Notes: This was the first 'real' credit card I applied for in the past 2 years, after being declined. However, I took note of the reasons why I was declined (Chase Freedom (05/2013) and Macy's (03/2013) ) and worked on improving the areas noted. I chose to apply for the VentureOne card because I want to finance a trip to visit family in Florida and future flights/ trips - I live in California. I also intend to use it for higher expenses, like auto maintenance, to build miles. In the same 10min window, I applied for both the VentureOne and Quicksilver (approved for both) basically because I'd "burned" a hard inquiry anyways. I've reviewed my credit reports, and as I thought, I only have one hard credit inquiry for both cards. I was planning on applying for both eventually anyways, so this was a nice 2 for 1 opportunity. I hope my review helps some people with similar situations. I'll re-review the card, after I've had it longer. But so far, it's working as I'd expected it to, the customer service has been courteous and easy to work with (I had to update my address before receiveng the card), and the website is user-friendly.

Most helpful negative review

January 11, 2024

1

Rating: 1 out of 5.

Poor card disclosure and waste time

Credit Karma Member

I do not like this card as it promised 20k miles but all the airlines where you can use/transfer points are international carriers. No US airlines. What a waste of time getting this card

All member reviews