Why we like this card: If you don’t want to deal with rotating categories and high spending requirements, the Capital One VentureOne Rewards Credit Card offers an uncomplicated rewards structure with no annual fee.
Pros
- 0% intro APR on purchases for 15 months (after that, the variable APR will be 19.99%–29.99%)
- $0 annual fee
- 0% foreign transaction fee
Cons
- Underwhelming base rewards rate
- Few perks compared to comparable cards on the market
Capital One VentureOne Rewards: Overview
APR:
- Intro: 0% intro APR on purchases for 15 months (after that, the variable APR will be 19.99%–29.99%)
- Purchase: 0% intro APR on purchases for 15 months (after that, the variable APR will be 19.99%–29.99%), based on creditworthiness
- Balance transfer: 0% intro APR on balance transfers for 15 months (after that, the variable APR will be 19.99%–29.99%)
- Cash advance: 29.99%, plus a fee of $3 or 3% of the amount of each cash advance, whichever is greater
Annual fee: $0
Foreign transaction fee: 0%
Late payment: Up to $40
The Capital One VentureOne Rewards Credit Card—not to be confused with the Capital One Venture Rewards Credit Card, which is another card entirely—is designed for those who want a straightforward travel rewards card. VentureOne offers 1.25x miles per dollar on every other purchase, which you can redeem for travel expenses such as hotels and car rentals. The card also comes with a sign-up bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening. Other features include 0% introductory APR on purchases and balance transfers for 15 months, no foreign transaction fees, and various travel protections, including travel accident insurance.
If you want to earn travel rewards without committing to a card with a high annual fee, you might find the VentureOne card particularly appealing. The card’s simple rewards structure makes earning miles on all purchases easy, not just in specific categories. The lack of foreign transaction fees also makes it an attractive option for international travel. Additionally, the card’s introductory APR offer can be beneficial if you’re planning a large purchase in the near future—with 0% APR for 15 months, you can pay it off over time without incurring interest.
Overall, it’s a versatile card that offers a simple and cost-effective way to earn travel rewards.
VentureOne Rewards: Rewards
The Capital One VentureOne Rewards Credit Cardoffers a…
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