Capital One VentureOne Rewards Credit Card
This card is for people who want travel miles without paying an annual fee. Every purchase earns 1.25X miles, and Capital One Travel hotel and car bookings earn 5X. A 0% intro APR covers purchases and balance transfers for 15 months. The caveat: the earning rate trails the Venture's 2X, so heavy spenders leave value on the table.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee, ever
- 0% intro APR on purchases and balance transfers for 15 months
- 20,000-mile welcome offer for $500 in spend
- 5X miles on Capital One Travel hotel and car bookings
- Miles transfer to Capital One's airline and hotel partners
- No foreign transaction fees
- Annual fee: $0
- Regular purchase APR: 18.49% - 28.49% Variable
- Intro purchase APR: 0% for 15 months
- Intro balance transfer APR: 0% for 15 months
- Balance transfer fee: 3% during the first 15 months; 4% at a promotional APR after that
- Cash advance fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Late payment fee: Up to $40
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- You want travel miles but refuse to pay an annual fee.
- You have a purchase or balance to carry and can use 15 months at 0%.
- Your welcome offer bar is low: $500 in spend earns 20,000 miles.
- You travel abroad occasionally and want no foreign transaction fees on a free card.
- You should skip it if you spend more than about $10,000 a year: the Venture's 2X out-earns this card even after its $95 fee.
Capital One VentureOne Rewards Credit Card Review
The VentureOne is the no-fee door into Capital One miles, and one of the few travel cards with a long 0% intro window. This review covers what 1.25X really earns, how the intro APR works, and when to step up to the Venture.
How You Earn
One flat rate on everything, with a portal bonus for hotels and cars.
- No caps and no categories to activate
- Miles do not expire while the account is open
| Category | Earn rate |
|---|---|
| Hotels, vacation rentals and rental cars via Capital One Travel | 5X miles |
| All other purchases | 1.25X miles |
How You Redeem
Redemption works the same as on the bigger Venture cards.
- Erase recent travel purchases with a statement credit within 90 days
- Book travel through Capital One Travel
- Transfer miles to Capital One's airline and hotel partners
Benefits and Protections
The card keeps the essentials and drops the extras.
- No foreign transaction fees
- $0 fraud liability for unauthorized charges
- Account alerts and card lock in the Capital One app
Who This Card Is For
The VentureOne fits light spenders, first travel cards and anyone pairing miles with a 0% window. It keeps the Capital One miles ecosystem open at zero carrying cost. Heavy spenders should take the Venture instead.
- First-time travel card holders
- People financing a purchase over 15 months
- Light spenders who want no fee
Comparison
| Feature | Capital One VentureOne | Citi Double Cash | Citi Diamond Preferred |
|---|---|---|---|
| Annual Fee | $0 | $0 | $0 |
| Welcome Offer | 20,000 miles after $500 in 3 months | $200 after $1,500 in 6 months | None |
| Rewards Rate | 1.25X miles everywhere | 2% cash back: 1% buy, 1% pay | None |
| Intro APR | 0% for 15 months, purchases and transfers | 0% for 18 months on transfers | 0% for 12 months purchases; 21 months transfers |
| Foreign Transaction Fee | None | 3% of each transaction in U.S. dollars | 3% of each transaction in U.S. dollars |
| Best For | Free travel miles | Flat cash back | Longest transfer window |
Issuer Comparison
| Feature | VentureOne | Venture | Venture X |
|---|---|---|---|
| Annual Fee | $0 | $95 | $395 |
| Welcome Offer | 20,000 miles after $500 | 75,000 miles after $4,000 | 75,000 miles after $4,000 |
| Rewards Rate | 1.25X everywhere | 2X everywhere | 2X plus 10X hotels via Capital One Travel |
| Key Credits | None | $120 Global Entry or TSA PreCheck | $300 travel credit plus 10,000 anniversary miles |
| Best For | No annual fee | Everyday travel miles | Lounge access |
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