Capital One Venture Rewards Credit Card
Issued by Capital One (Capital One, N.A.) · Visa network · Unsecured consumer card
At a glance
The Capital One Venture Rewards Credit Card is a travel consumer credit card issued by Capital One on the Visa network. Its current annual fee is $95, with a $0 (none) foreign-transaction fee. It is accepting new applications. Terms were last independently verified on 2026-08-17.
Current rates and fees
From the issuer’s official pages and agreement. Each value shows its source, confidence, and last-verified date.
Interest
No 0% intro APR is offered on this card.
Capital One — official card pageverified 2026-08-17
Capital One — official card pageverified 2026-08-17
Fees
Capital One — official card pageverified 2026-08-17
Capital One — official card pageverified 2026-08-17
Rewards
Capital One — official card pageverified 2026-08-17
Fully automatic — no categories to activate and no stated caps.
Capital One — official card pageverified 2026-08-17
Benefits and protections
Confirm before you apply
Rates, fees, offers, eligibility, and benefits change often. Confirm the final terms directly with the issuer’s official page or the CFPB card-agreement database before applying.
Modeled cost
True cost of this card
True-cost calculator
Illustrative math from this card’s APR. Nothing you enter is stored. This shows costs — it does not predict your rate or approval.
Cost of carrying a balance for a year
| Balance carried | Interest / month | Interest / year |
|---|---|---|
| $1,000 | $19.99 | $239.9 |
| $3,000 | $59.97 | $719.7 |
| $5,000 | $99.96 | $1,199.5 |
Paying only the minimum on $3,000
1200 months
About $71,611.64 in interest (2% minimum, $25 floor).
$5,000 balance transfer (3% fee, 15-mo intro, $300/mo)
$171.66 total cost
$150 upfront fee, plus post-intro interest at 23.99%.
This card’s $95 annual fee needs at least $95 of yearly value (credits + rewards you’d actually use) to break even.
Simplified illustrations. Real interest depends on your exact APR, balance, timing, and payments. The clearest way to avoid all of this is to pay the statement balance in full.
Our independent analysis
Editorial rating
3.73.7 out of 5
How this score was calculated
| Dimension | Weight | Score |
|---|---|---|
| Rewards value + transfer options | 30% | 4/5 |
| Credits offsetting the fee | 20% | 3/5 |
| Travel protections | 20% | 3.5/5 |
| Annual fee vs. value | 20% | 4/5 |
| Terms transparency | 10% | 4/5 |
Methodology 2026.07 · full methodology · Credit Defense Hub earns no commission or affiliate revenue from card issuers; editorial scores are independent of any advertising relationship.
The simplest mid-tier travel card: flat 2X on everything, $95 fee, no foreign-transaction fee, nothing to activate. It asks far less management than category travel cards, at the cost of a lower ceiling. Note the payment network is in transition following Capital One's Discover acquisition — confirm which network your card will carry if that matters to you.
Advantages
- Flat 2X on all spending with no categories
- No foreign-transaction fee
- Straightforward miles redemption
Watch for
- $95 annual fee with no 0% intro period
- Fewer premium protections than higher-tier travel cards
- Payment network in transition post-merger
Best for: Travelers who want simple, automatic earning without managing categories.
Credit Defense Hub Editorial Team · reviewed 2026-08-17 · Pending named subject-matter review Editorial analysis is independent and separate from the issuer and from consumer reviews.
Extractable answers
Quick answers
- Who issues the Capital One Venture Rewards Credit Card?
- It is issued by Capital One on the Visa network.
- What does the Capital One Venture Rewards Credit Card cost?
- The annual fee is $95, and the foreign-transaction fee is $0 (none). Verified 2026-08-17. The purchase APR is variable and depends on creditworthiness — confirm the current range with the issuer.
- Is the Capital One Venture Rewards Credit Card accepting new applications?
- Yes, as of our last verification. Availability can change — confirm on the issuer’s page.
- Does the Capital One Venture Rewards Credit Card help build credit?
- Like most major cards, on-time payments and low utilization generally help build history over time; check the issuer’s reporting practices.
- What should someone verify before applying?
- The current APR range, the annual and foreign-transaction fees, any welcome-offer terms, and whether the reward or benefit you want still applies — all directly on the issuer’s page or card agreement.
- What should you do if something goes wrong with this card?
- For a wrong charge, use the issuer’s billing-dispute process (FCBA). For inaccurate credit reporting, dispute with the bureaus (FCRA). If it is not resolved, you can complain to the CFPB and your state attorney general. See our card-problem guides.
Current-fact answers reflect terms verified 2026-08-17; confirm with the issuer before applying.
What consumers report
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If your issue is about credit reporting or a dispute
When to talk to a professional
A consumer review is not a legal finding. If a card issuer reported inaccurate information, denied a valid fraud claim, or you were sued over a balance, those are situations where documenting the facts and — for lawsuits or unresolved FCRA/FDCPA problems — talking to a consumer attorney or legal aid can matter. You can also report issues to the CFPB.
See the issuer’s official page →
Educational information — not advice
This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.
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