VentureOne Rewards
20,000 miles after you spend $500 in 3 months. No annual fee.
- Welcome offer
- Issuer's pagecapitalone.com
“Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening”
- Annual fee
- Issuer's pagecapitalone.com
“$0 Annual Fee”
- Purchase APR
- Issuer's pagecapitalone.com
“0% intro APR for 15 months on purchases and balance transfers; 18.49% - 28.49% variable APR after that; Balance transfer fee applies.”
- Foreign transaction fee
- Issuer's pagecapitalone.com
“No Foreign Transaction Fees”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $350 | $150 |
| Typical spender | $575 | $375 |
| Heavy spender | $1,025 | $825 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 100% of the 49 cards on our 0% intro APR list (see the list).
- Worth more to a typical spender than about 85% of the 650 cards we track.
- Lower top APR than about 40% of the 128 cards on our Sign-up bonuses list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
20,000 miles
After you spend $500 on purchases in your first 3 months.
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.
How you earn
- 5× milesHotels, vacation rentals and rental cars booked through Capital One Travel
- 1.25× milesEverything else
Rates and fees
| Annual fee | Issuer's pagecapitalone.com “$0 Annual Fee” |
|---|---|
| Purchase APR | Issuer's pagecapitalone.com “0% intro APR for 15 months on purchases and balance transfers; 18.49% - 28.49% variable APR after that; Balance transfer fee applies.” |
| Intro APR | Issuer's pagecapitalone.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 | Issuer's pagecapitalone.com “0% intro APR for 15 months on purchases and balance transfers; 18.49% - 28.49% variable APR after that; Balance transfer fee applies.” |
| Foreign transactions | Issuer's pagecapitalone.com “No Foreign Transaction Fees” |
Carrying a balance? See how long it takes to pay off
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.
Questions
- What is the annual fee?
- $0 capitalone.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. capitalone.com, since Sep 30, 2026
- What is the purchase APR?
- 18.49–28.49% APR capitalone.com, since Sep 29, 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
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).