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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, 19.24% - 29.24% (Variable) APR after intro period)— all with no annual fee.
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What you need to know:
- 0% intro APR for purchases and balance transfers until 2026 (Balance transfer fee applies, 19.24% - 29.24% (Variable) APR after intro period)
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening
- Earn 1.25 miles per dollar on every purchase, every day and 5 miles per dollar on hotels and rental cars booked through Capital One Travel
- $0 annual fee
The Capital One VentureOne Rewards stands out from other travel cards with its lengthy 15 months of 0% intro APR on purchases and balance transfers, then 19.24% - 29.24% (Variable). Balance transfer fee applies.
What we love about this powerful credit card
Where this card really shines is its 0% intro APR for purchases and balance transfers for 15 months, (balance transfer fee applies, 19.24% - 29.24% (Variable) APR after intro period), plus its straightforward earning potential.
With this long intro APR, you’re able to make a large purchase and not have to worry about accruing interest right away, giving you plenty of time to pay off your debt. If you’re eyeing a luxurious vacation, but don’t want to accrue interest by financing the cost, this card could also be a great fit.
You also don’t have to stress about loads of different spending categories because you’ll earn at least 1.25 miles per dollar on every purchase, every day, and 5 miles per dollar on hotels and rental cars booked through Capital One Travel.
More benefits and perks
- 0% intro APR for 15 months: With this card you’ll get a long no-interest period — 0% intro APR for purchases and balance transfers for 15 months! (Balance transfer fee applies, 19.24% - 29.24% (Variable) APR after intro period.)
- Plenty of redemption options: Enjoy the flexibility of redeeming your miles for transfers to travel partners, booking travel through Capital One Travel, covering past travel purchases, or receiving cash back.
- Transfer partners: Give yourself more choices on how to use your miles. You can transfer miles to over 15 travel partners, including Air France KLM, British Airways, and Choice Hotels.
- No foreign transaction fees: Avoid paying foreign transaction fees on international purchases, making your trips abroad more fun (and affordable).
- No annual fee: With a $0 annual fee, the Capital One VentureOne helps you hold onto your money.
How to secure up to $731 in the first year
The FinanceBuzz editors have created a valuation formula to help you compare rewards between cards. We estimate the value of this card to be up to $731 in the first year.1 <p class="">These values are based on the <a href="https://financebuzz.com/financebuzz-credit-card-valuation">FinanceBuzz Credit Card Rewards Valuation Model</a>, which takes a look at rewards earned via spending, the welcome offer, and the annual fee. We used a valuation of 1 cent/point unless otherwise stated above. These are estimated values - your actual earnings will depend on how much you spend and in what categories.<br></p>
Securing up to $731 in year one value is easy: Simply pay attention to how much you spend and in which categories you spend. You’ll earn 1.25 miles per dollar on every purchase, every day, and 5 miles per dollar on hotels and rental cars booked through Capital One Travel.
This is an estimated value — your actual earnings will depend on how much you spend in a typical year. You could increase your value with savvy use of the card’s transfer partners and higher spending categories.
Who is this card best for?
The Capital One VentureOne is a great choice for anyone who:
- Wants to pay down debt: With a long intro APR, you’re able to make large purchases without accruing interest right away, giving you plenty of time to pay off your debt.
- Has at least a good credit score: We recommend having a good or excellent credit score to increase your chances of approval for the Capital One VentureOne.
- Prefers a simple earning rate: With limited bonus categories, it’s easy to know what you’re earning on different purchases at any given time.
- Doesn't want to be tied to one airline or hotel chain: How you fly and where you stay is up to you since Venture miles aren’t tied to a specific airline or hotel.
- Likes to get out and have fun: Receive special access to a variety of music, sporting, and dining events through the Capital One Entertainment portal.
Bottom line
The Capital One VentureOne Rewards is a great choice if you want multiple intro APR offers and a simple way to earn travel rewards on everyday purchases — all with no annual fee.
- 0% intro APR for purchases and balance transfers for 15 months: With this card you’ll get a long no-interest period — 0% intro APR for 15 months. (Balance transfer fee applies, 19.24% - 29.24% (Variable) APR after intro period.)
- Early spend bonus: Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening.
- Simple earning: Earn 1.25 miles per dollar on every purchase, every day and 5 miles per dollar on hotels and rental cars booked through Capital One Travel.
- Lack of fees: The Capital One VentureOne has a $0 annual fee and no foreign transaction fees, helping you keep your money in your wallet.
>> Click here to apply now and start earning the 20,000 miles early spend bonus
Benefits
Card Details
- $0 annual fee
- Simple and elevated rewards on every purchase
- Flexible redemption options
- Intro APR offers on purchases and balance transfers
- No foreign transaction fees
- Apply Now
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- 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 and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- 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; 19.24% - 29.24% variable APR after that; balance transfer fee applies
Intro Offer
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening
Annual Fee
$0
Why we like it
Frequently Asked Questions
Have questions about no interest credit cards? We've answered the most common ones below to help you choose the right card for you.
If you can pay off your credit card before the promotional period ends, a 0% intro APR credit card can be worth it. Some of these cards might also be able to earn you bonus cash back on certain new purchases. However, a plan to pay off the credit card is important if you want to save money on interest and get rid of your debt faster.
Anyone who qualifies can take advantage of a 0% intro APR offer, so the list of the type of people who can benefit from one is long. However, here are two specific examples in which a 0% intro APR offer can make a significant difference:
- People with crippling credit card debt: If you’re struggling to get ahead on paying down your credit card debt, high interest rates could be part of the problem. If you can qualify for a balance transfer credit card, you can remove interest costs from the equation, at least for a time, while you focus on eliminating your debt.
- People with emergency expenses: If you’ve lost a job, experienced a short-term disability, or dealt with expensive car or home repairs, a 0% intro APR credit card can help you cover the cost of your emergency expenses and give you time to pay for them interest-free.
When your 0% intro APR promotional period ends, your account APR will change to its regular APR, which was set when your account was opened. This may be a variable APR that takes into account your creditworthiness, or it may be a fixed APR. If you pay off your balance in full every month, you’ll continue to be able to use the card interest-free. But if you carry a balance from month to month, you’ll pay interest on that balance.
APR, or annual percentage rate, is a number that expresses how much you’ll pay for borrowing money, including interest, fees, and other charges. An interest rate is how much interest you’re charged for borrowing money. The APR and interest rate for credit cards are basically the same thing, but these rates are typically different for loans.
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