Capital One VentureOne
Every rate below is the issuer’s own, verified October 2, 2026.
Terms apply. See rates & fees on Capital One. Rankings are pure math, never sold.
How it earns
Every rate here is the issuer’s published number. Points are valued at what this door can redeem them for: cash-back at the statement-credit rate, travel at the issuer’s travel rate.
What it pays at a typical spend
Our travelling sample family spends $800 a month on groceries, $200 on dining, $250 on gas, $500 on travel and $600 on everything else. Figures as of October 2, 2026, the day the terms were last verified.
At that spending the Capital One VentureOne nets $553 in year one and $353 every year after, fee included. The biggest line is groceries, at $120. The welcome bonus counts, because this spending reaches $500 inside 3 months. Points are counted at 1 cent each, the travel rate, never the higher figure a transfer partner might reach. For our travelling sample family, it places last of the 5 travel cards we’ve confirmed.
The Wells Fargo Autograph, just above it among the confirmed cards, nets $157 more in year one. Judged on every year after the first instead, it places last of the 5 travel cards we’ve confirmed.
Who it fits
It fits if
- You want no annual fee.
Look elsewhere if
- You cannot put about $167 a month on it for 3 months: the $200 bonus pays nothing below $500.
- Your credit is fair or thin: approval usually needs excellent credit.
Plain facts
- Who gets approvedExcellent credit, around 740+. Capital One lists this card at excellent credit. A separate VentureOne for Good Credit exists — it is not this card.
- 5x through Capital One Travel is not countedHotels, vacation rentals and rental cars booked through Capital One Travel earn 5 miles a dollar. That is a booking channel, not a category the questions can see, so the number above is a floor.
- 0% for 15 months, purchases and transfersThen 18.74%–28.74% variable. A balance transfer fee applies — Capital One publishes the percentage in the card's own application disclosure.
- Miles do not expireRewards last for the life of the account.
- The issuer’s terms governRates, fees and bonus conditions are set by Capital One and change without notice. Confirm the current offer before you apply.
- Where these numbers came fromCollected by hand from Capital One’s own published terms, last verified October 2, 2026. An automatic check re-reads that page every day. On October 19, 2026 all 3 of the figures it watches here were still printed there. How we check
What people ask about it
Is there a cap on what it earns?
No. Its rates apply to all of your spending, with no yearly cap.
How do you value the welcome bonus?
20,000 points at 1 cent each as cash is $200, and at 1 cent through travel, $200. We count it only once your spending reaches $500 in 3 months.
What does it earn on each purchase?
1.25x on every purchase, with no categories to track. It also earns 5x on hotels, vacation rentals and rental cars booked through Capital One Travel, which the math does not count.
Where it shows up
Every ranking and comparison with the Capital One VentureOne in it, each computed the same way.
- Best card for travelCapital One Venture X first, at $1,319 in year one.
More cards like this
- Yearly fee $95Capital One VentureCapital One · for one card on everything, 2x, and 5x on hotels, vacation rentals and rental cars booked through Capital One Travel
- Yearly fee $95Citi Strata PremierCiti · for travel, dining, groceries and gas, 3x
- Yearly fee $0Wells Fargo AutographWells Fargo · for dining, travel and gas, 3x
The three travel cards beside this one on our list of every card. See every card