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If you want a card that is easy to use, earns at least double rewards on every purchase, and will offset your travel costs, check out the Capital One Venture Rewards Credit Card. It earns at least 2x miles on every single purchase. And if you want to earn a few more miles on travel, good news—earn 5x miles on hotels and rental cars booked through Capital One Travel.
With the Capital One Venture Rewards Credit Card, new cardholders can earn 75,000 miles after spending $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
But before you try for the Venture Card, you should know what credit score is needed.
Credit Score Needed for Capital One Venture Rewards Credit Card
Other beneficial perks include airport lounge access, a fee credit of up to $100 for Global Entry or TSA PreCheck, the ability to use your miles to pay for Amazon purchases, and the flexibility to transfer rewards to travel partners or redeem rewards for flights.
Let’s take a look at the Capital One Venture credit score criteria:
The Capital One Venture Rewards Credit Card is consistently one of the best travel credit cards. With that said, you’ll want to be sure you can get this card before applying.
Although Capital One recommends having a good to excellent credit score to get the Capital One Venture Rewards Credit Card, your credit might be less than perfect. You should never apply for a new credit card without knowing your credit score first.
Here are some of the best places to get a free credit score if you aren’t sure what yours is.
What Is a Good To Excellent Credit Score?
Capital One defines good to excellent credit as:
- Never declaring bankruptcy or defaulting on a loan
- Not more than 60 days late on a credit card, loan, or medical bill in the past year
- Had a loan or credit card for 3 years or more with a credit limit above $5,000
So, how hard is it to get the Capital One Venture?
If you meet these three conditions, your Capital One Venture approval odds are very high. Of course, there are no guarantees that you will be approved if you have an excellent credit score. Having good to excellent credit means your credit score is at least 700.
When your credit score is higher than 700, you can apply for the Capital One Venture Rewards Credit Card, one of the best credit cards for excellent credit scores.
What Others Are Saying About Capital One Venture Credit Score
Should you apply for the Capital One Venture Rewards Credit Card if you don’t have a 720 credit score? Below are a few experiences from applicants without a 720 credit score.
Easims states, “I applied for the Venture card with a 628 TU (TransUnion) score and a 705 EQ (Equifax) score. I was not accepted immediately but after a short phone call to Capital One customer service…I was accepted for the card and given a $15,000 credit limit!”
Nirrol Smith says, “When I applied my Transunion score on Credit Karma was showing 714 and Equifax 715 and I was instantly approved for a $12,000 limit.
An anonymous cardholder says, “Approved for a surprisingly high credit limit at 30k. I have a 730 FICO and 110k income.”
For one final reference, RJEngle said, “Applied and instant approval. I did do the preapproval on Capital One’s website before applying. Just a year and a half ago I was denied for this card. Happy to finally qualify FICO 8 scores: TransUnion: 706, Equifax: 775, Experian: 700.”
Credit Card Score Needed For the Capital One Venture
Based on the user testimonials, at least one of your credit scores needs to be at least 700. Applicants with a score of at least 750 appear to have the best chances of instant approval. When your credit score is between 700 and 750, your approval odds increase greatly if it’s at the higher end of the spectrum. Of course, there are no guarantees that you will be approved if you have an excellent credit score.
So you don’t waste a card application because your credit score is right around 700, you might see if you can get credit card pre-approval for the Capital One Venture Rewards Credit Card first. Capital One may have even taken the initiative to send you a mail offer stating you’re pre-approved.
If your card application isn’t instantly approved, you should call Capital One if you don’t receive a decision within 48 hours. Many credit card companies delay the applications of candidates with borderline credit. To help them decide sooner instead of later, you can call the company and tell them your projected monthly spending.
Capital One Venture Credit Limit
Your new credit limit will depend on your credit profile. Since the Capital One Venture is a Visa Signature card, your minimum credit limit will be $5,000.
Well-qualified applicants mentioned their credit limit was as high as $30,000. Other applicants with credit scores between 700 and 750 were assigned limits of at least $10,000. Getting the highest credit limit possible lowers your credit utilization ratio to help increase your score.
Capital One Venture Rewards Credit Card Benefits
If you qualify for the Capital One Venture Rewards Credit Card, you will enjoy the following benefits:
- At least 2x miles on every $1 spent, with no limits on how many miles you can earn
- 5x miles on hotels and rental cars booked through Capital One Travel
- 5x miles when booking through the Turo app or on Turo.com (through May 16, 2023)
- Redeem miles for travel statement credits and future award travel
- Receive up to $100 application fee credit for Global Entry or TSA PreCheck
The is a $95 annual fee. This card has no foreign transaction fee, making it one of the best credit cards for international travel.
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel, with the Capital One Venture Rewards Credit Card.
Side note—this travel credit card favorite is also frequently compared to another favorite metal travel card, the Chase Sapphire Preferred® Card. You can see how they compare in this Chase Sapphire Preferred vs Capital One Venture review.
Redeeming Capital One Venture Miles
The Capital One Venture Rewards Credit Card has no blackout dates.
Capital One Venture Rewards cardholders (as well as Capital One VentureOne Rewards Credit Card, Capital One Spark Miles for Business, and Capital One Spark Miles Select for Business cardholders) can transfer their miles to leading travel loyalty programs.
Your miles won’t expire as long as the account is open. There is no limit on how many miles you can earn.
You can use your miles to purchase all or part of a travel purchase. Plus, there aren’t any redemption minimums. If you make a $500 hotel purchase, you can use your miles balance for the entire purchase or for a portion.
The same can be said for small in-flight purchases for only a few dollars. Where other rewards cards have a minimum $20 redemption requirement, the Venture card is extremely flexible. This is why it is one of the best Capital One credit cards.
What To Do If You Don’t Qualify For The Capital One Venture
If your credit score is still in the 600s, you might consider applying for the Capital One VentureOne Rewards Credit Card instead. You only need average credit for the VentureOne (also one of the easiest credit cards to get approved for). It can be a better option if you’ve experienced these credit events:
- Defaulted on a loan in the past five years
- Owned a credit card or other credit for three years or less
The VentureOne earns 1.25x miles on every dollar spent and doesn’t have an annual fee. Though, you can 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.
Although you won’t be earning as many miles per dollar, you can still own a Venture product and build your credit history.
Once your score goes above the 700 range, you can consider upgrading to the Venture Card and begin earning 2x miles on every dollar spent.
So what credit score is needed for the Capital One Venture Card? You should only apply when your credit score is at least 700, but preferably 750 or higher. Once you qualify for the Capital One Venture Card, you’ll begin earning at least 2x miles on every purchase. If you must wait until your credit score grows, VentureOne is a great secondary option. Of course, there are no guarantees that you will be approved if you have an excellent credit score.
75,000 bonus miles: Capital One Venture Rewards Credit Card
- Best Credit Cards For Domestic Travel
- Capital One Venture vs Chase Sapphire Reserve
- Does It Help Your Credit Score By Getting a Credit Card?
- Capital One Venture vs Amex Platinum
- Can You Receive a Capital One Venture Bonus Twice?
- 1 Credit Score Needed for Capital One Venture Rewards Credit Card
- 2 What Is a Good To Excellent Credit Score?
- 3 What Others Are Saying About Capital One Venture Credit Score
- 4 Credit Card Score Needed For the Capital One Venture
- 5 Capital One Venture Credit Limit
- 6 Capital One Venture Rewards Credit Card Benefits
- 7 What To Do If You Don’t Qualify For The Capital One Venture
- 8 Summary
All the major travel blogs are absolutely chock-full of stories of rejection by Capital One, by commenters with scores in the HIGH 800s who have never missed a payment, who have long credit histories, and who ARE ALREADY CUSTOMERS of Capital One! Plus, Capital One pulls your credit from all three bureaus, not just one, so the sting is triply painful. Other blogs also report that “reconsideration” is not really a thing at Capital One. But hey, maybe your experience varies from the norm.