Capital One VentureOne Rewards Credit Card

Earn a 20,000 Miles Bonus While Paying Low Interest For 15 Months

• Lengthy low intro APR period on both purchases and balance transfers
• Incredible cash back rewards and generous welcome offer
• No annual fee

Updated February 9, 2026

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on Capital One’s website

Rates and fees

Apply Now

on Capital One’s website

Rates and fees

The Capital One VentureOne Rewards Credit Card(Rates and fees) is a top pick by FinanceBuzz's credit card experts because of its simple rewards rate and long 0% intro APR for purchases and balance transfers for 15 months (Balance transfer fee applies, 18.49% - 28.49% (Variable) APR after intro period)— all with no annual fee.

Excellent for travel + intro purchase and balance transfer perks

Capital One VentureOne Rewards Credit Card

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4.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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on Capital One’s website

Rates and fees

Intro APR

Purchases:
0%, 15 months

Balance Transfers:
0%, 15 months;

Balance transfer fee applies

Regular APR

18.49% - 28.49% (Variable)

Annual Fee

$0

Rewards Rate

1.25X - 5X 1.25 miles per dollar on every purchase, every day and 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel

Miles

Why We Like It

• Earn a 20,000 miles bonus once you spend $500 on purchases within the first 3 months from account opening. That's worth an additional $200 towards travel!

• Long intro APR period to help fund your next purchase or tackle debt

• Earn unlimited travel rewards and get access to great prices on thousands of flights, hotels, and more through Capital One Travel - all with no annual fee.

Apply Now

on Capital One’s website

Recommended Credit FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent (670 - 850)

Card Details

Card Details

• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• $0 annual fee and no foreign transaction fees
• Earn unlimited 1.25X miles on every purchase, every day
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
• Top rated mobile app

Apply Now

on Capital One’s website

Rates and fees

Why We Love This Powerful Credit Card

The Capital One VentureOne Rewards Credit Card makes a great everyday card thanks to the ability to earn unlimited rewards on every purchase and an intro APR period that lasts over a year, all with no annual fee.

Benefits and perks:

• New cardholder bonus: Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.
• Long intro APR period: With this card, you'll get a long no-interest period — 0% intro APR on purchases and balance transfers for 15 months! (Balance transfer fee applies, 18.49% - 28.49% (Variable) APR after intro period.)
  
• Unlimited rewards in all categories: Earn 1.25 miles per dollar on every purchase, every day and 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.
• Plenty of redemption options: You can redeem your miles for statement credits, cash back, gift cards, or travel booked through Capital One Travel. Plus, you can transfer your miles to 15+ travel partners.
• No annual or foreign transaction fee: Keep more money in your pocket thanks to a $0 annual fee and no foreign transaction fee.

Recommended Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good

670-739

Excellent

740-850

>> Click here to apply for the Capital One VentureOne Rewards Credit Card.

Bottom Line: Who Is This Card Best For?

The Capital One VentureOne Rewards Credit Card is a great choice for anyone who:

• Has at least good credit: We recommend having a good or excellent credit score to increase your chances of approval for the Capital One VentureOne.
• Wants to get out of debt: You're not going to find many cards offering 0% intro APR on purchases and balance transfers for 15 months (balance transfer fee applies), especially with cards offering rewards. You have well over a year to pay down debt or finance large purchases without interest, which could translate to a boatload of savings on top of the rewards you could earn on purchases. After the intro period, the go-to APR is 18.49% - 28.49% (Variable).
  
• Is looking for simple but powerful rewards: There are no categories to track or activate, and no spending caps on reward rates — just spend and earn up to 5 miles per dollar.

>> Click here to apply now and start earning the 20,000 miles welcome bonus

0% Intro APR for 15 months

Capital One VentureOne Rewards Credit Card

Benefits Card Details

• $0 annual fee
• Simple and elevated rewards on every purchase
• Flexible redemption options
• Intro APR offers on purchases and balance transfers. Note that a balance transfer fee applies.
• No foreign transaction fees
• Apply Now

• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• $0 annual fee and no foreign transaction fees
• Earn unlimited 1.25X miles on every purchase, every day
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
• Top rated mobile app

4.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Capital One’s secure website

Rates and fees

Read Card Review

Intro Offer

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

Annual Fee

$0

+ -

Why we like it

• If you don’t travel often but still want to earn rewards you can use toward future trips, check out the Capital One VentureOne Rewards Credit Card. It has no annual fee and a generous welcome offer for new cardmembers.

• You’ll earn an unlimited 1.25 miles per dollar spent. There’s no need to worry about spending categories or spending caps; you’ll earn the same rewards rate on every purchase you make.

• The card also offers a 0% introductory APR for 15 months on purchases and balance transfers, then 18.49% - 28.49% (variable) APR, giving you over a year to pay off major charges and transfers without paying interest fees. A balance transfer fee applies.

• Apply Now

Other Cards You Might Like:

The Capital One VentureOne Rewards Credit Card is hard to beat with its incredible cash back rewards, generous welcome offer, and $0 annual fee. But, if you want to consider other options, here are some contenders:

Discover it^® Cash Back

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Capital One's secure website

Rates and fees

More Details +

If you want to maximize cash back and pay no interest into 2027 on purchases and balance transfers:

With the Discover it^® Cash Back(Rates and fees) card in your pocket, you can enjoy paying no interest on purchases or balance transfers into 2027 while earning some of the highest cashback rewards we've seen from cards with intro APR perks!

Enjoy a 0% intro APR for 15 months on purchases and balance transfers, then APR is 17.49% - 26.49% Variable. This is a great time to pay down credit card debt or help finance a large purchase without adding interest charges. Plus: Discover will match all the cash back you’ve earned at the end of your first year.

Click here to apply now for the Discover it^® Cash Back

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Rates and fees

Discover it^® Cash Back

Apply Now

on Capital One's secure website

Card Details

• INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
• Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
• Redeem cash back for any amount. No annual fee.
• Get a 0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
• Terms and conditions apply.

Why We Like It

The Discover it^® Cash Back is ideal for anyone who loves flexible rewards options.

Cardholders can redeem their cash back for any amount.

Earn 5% cash back on rotating bonus categories up to the quarterly maximum when you activate, along with 1% cash back on all purchases. Categories may include places like gas stations, grocery stores, restaurants, and more.

Bank of America^® Customized Cash Rewards credit card

4.5

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Bank of America's secure website

More Details +

If you want to pay no interest into 2027 on purchases and balance transfers and earn a generous welcome bonus:

The Bank of America^® Customized Cash Rewards credit card(Rates and fees) checks all the boxes for a top intro APR credit card. It has a long 0% APR intro period, a generous welcome offer, great cashback rewards, and no annual fee.

You can pay off high-interest debt faster with this card's 0% introductory APR for 15 billing cycles for any balance transfers made in the first 60 days, plus a 0% intro APR on purchases for 15 billing cycles. After the intro period, the APR is 17.49% - 27.49% Variable.

You can also earn cash back rewards for your everyday spending. A flat cash back structure can be great for simplicity, but bonus categories can really amp up your cash back earning potential based on your specific spending habits. Enjoy all this with no annual fee and a $200 welcome bonus.

Annual Fee: $0

Click here to apply now for the Bank of America^® Customized Cash Rewards credit card

4.5

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Bank of America^® Customized Cash Rewards credit card

Apply Now

on Bank of America's secure website

Card Details

• Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
• Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
• With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
• No annual fee and cash rewards don’t expire as long as your account remains open.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Why We Like It

The Bank of America^® Customized Cash Rewards credit card is a fantastic card for anyone who loves earning cash back on everyday purchases.

Earn 6% cash back for the first year in the category of your choice (then 3% cash back after the first year from account opening in your choice category) — categories include gas and EV charging stations, online shopping, dining, travel, drug store/pharmacy or home improvement/furnishing; 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter); and 1% cash back on all other purchases.

Cardholders also benefit from a long introductory APR on purchases and qualifying balance transfers.