Our illustration, not the card’s design
Capital One credit card
VentureOne Rewards
- APR up · 18.49% to 18.74% · Oct 8, 2026
No annual fee. 20,000 miles after you spend $500 in 3 months. Purchase APR 18.74–28.74%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · capitalone.com
“Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · capitalone.com
“$0 Annual Fee”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · capitalone.com
“0% intro APR for 15 months on purchases and balance transfers; 18.74% - 28.74% variable APR after that; Balance transfer fee applies.”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · capitalone.com
“No Foreign Transaction Fees”
Select an underlined figure to see where it comes from.
Capital One’s terms
Welcome offer
20,000 miles
After you spend $500 on purchases in your first 3 months.
- Spending it takes
- $167 a month
- for 3 months
- Tracking since
- Sep 29, 2026
- history will chart every change
The offer is available by clicking the “Apply Now” button on the page and may not be available if you navigate away from or close the page. Existing or previous cardmembers are not eligible if they have received a new cardmember bonus for this product in the past 48 months. The page also states that 10,000 bonus miles are earned after the anniversary each year, starting with the first anniversary.
Who can get it: If you’ve had a bonus on this card or one of its family in the last 48 months (4 years), you can’t get it again yet.
“You are not eligible for this product if you have received a new cardmember bonus for the Capital One VentureOne card, the Capital One Venture card, or the Capital One Venture X card in the past 48 months.”
The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $350 | $150 | |
| Typical spender | $575 | $375 | |
| Heavy spender | $1,025 | $825 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 1¢.
$150a year
$350 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.
$375a year
$575 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.
$825a year
$1,025 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 75% of the 732 cards we track.
- No annual fee, like about 85% of the 711 cards we track.
Other miles cards with no annual fee
- Capital One VentureOne BusinessCapital One · No annual fee+$75 a year
- VentureOne Rewards for Good CreditCapital One · No annual feeabout the same
- American Airlines AAdvantage MileUpCiti · No annual fee−$5 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rewards
How you earn
- 5×
- Hotels, vacation rentals and rental cars booked through Capital One Travel
- 1.25×
- Everything else
Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.
Benefits
- No foreign transaction fees on purchases made outside the United States.
- Miles can be used to reimburse past travel purchases made elsewhere; statement-credit redemptions must be made within 90 days from the date the travel purchase posts to the account.
- Earn 10,000 bonus miles after the anniversary each year, starting with the first anniversary.
Changes
- Oct 8, 2026 APR 18.49% to 18.74%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · capitalone.com “$0 Annual Fee” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · capitalone.com “0% intro APR for 15 months on purchases and balance transfers; 18.74% - 28.74% variable APR after that; Balance transfer fee applies.” |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 Issuer's page · capitalone.com “0% intro APR for 15 months on purchases and balance transfers; 18.49% - 28.49% variable APR after that; Balance transfer fee applies.” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · capitalone.com “0% intro APR for 15 months on purchases and balance transfers; 18.74% - 28.74% variable APR after that; Balance transfer fee applies.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · capitalone.com “No Foreign Transaction Fees” |
Before you apply
- Credit the issuer asks for: Excellent (issuer’s page).
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had a bonus on this card or one of its family in the last 48 months (4 years), you can’t get it again yet.
Questions
- What is the annual fee?
- $0 · capitalone.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · capitalone.com, since Nov 1, 2026
- What is the purchase APR?
- 18.74–28.74% APR · capitalone.com, since Oct 8, 2026
- Is there an intro APR?
- 0% for 15 months. · capitalone.com, since Sep 29, 2026
- Is there a welcome bonus?
- 20,000 miles after $500 in purchases in 3 months. · capitalone.com, since Oct 4, 2026
- What credit do you need?
- Excellent · capitalone.com, since Sep 30, 2026