Is it hard to get a venture credit card?
The Capital One Venture Rewards Credit Card is hard to get because it requires good credit for approval, which means you need a credit score of 700+ to have good odds of being approved. This requirement may be difficult for the average American to meet.
Your approval odds for the Capital One Venture X Card are best if your credit score is 740 or higher. Keep in mind, that other factors go into your application as well, including your income and relationship with Capital One.
Capital One Venture X Rewards Credit Card
A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The Capital One Venture X Rewards Credit Card is hard to get because it requires excellent credit for approval and charges an annual fee of $395. You get a lot in return, though.
Yes, Capital One VentureOne does a hard pull on your credit upon applying. More specifically, it will pull your credit report from any of the major credit bureaus: TransUnion, Experian or Equifax. Keep in mind that you will need a credit score of 700+ to get this card.
- OpenSky® Plus Secured Visa® Credit Card: Best for No credit check and no bank account required.
- Chime Secured Credit Builder Visa® Credit Card: Best for No credit check + flexibility and guardrails.
- Mission Lane Visa® Credit Card: Best for Unsecured card for bad credit.
The minimum credit limit for the Capital One Venture Card is $5,000, since Venture is a Mastercard Elite card and Mastercard Elite cards give at least that much spending power. Some people say they've gotten limits as high as $10,000, but the exact limit you get will depend on things like your credit score and income.
To qualify for the Capital One Venture Rewards Credit Card, you'll likely need to have a good credit score of at least 670, although having a higher credit score would only improve your chances of approval.
The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on all purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card in 2024 gives about 1% back.
What is the most prestigious credit card? One of the world's most prestigious credit cards is the Centurion® Card from American Express*. Though there may be other cards with more elaborate benefits, those cards are kept well under wraps.
The minimum payment mindset
Here's how most people get trapped in credit card debt: You use your card for a purchase you can't afford or want to defer payment, and then you make only the minimum payment that month.
Is Capital One Venture worth it?
The Capital One Venture Rewards Credit Card is a solid choice for most travelers. But if you want heftier perks, it's worth considering the card's higher-end sibling, the $395-annual-fee Capital One Venture X Rewards Credit Card (see rates and fees).
The Capital One Venture Card is made of stainless steel and recycled materials and weighs around 16 grams, compared to 5 grams for a traditional credit card made of plastic. Functionally, the metal Capital One Venture Card doesn't work any differently than a plastic credit card, though it will be more durable.
The Capital One VentureOne Rewards credit card may be the right fit for you if you want a low-cost card to earn occasional miles. With no annual fee to pay (See Rates & Fees), you don't have to invest anything to start earning 1.25X miles on every dollar you spend, and you can get a sizable welcome bonus too.
First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.
The Bank of America® Customized Cash Rewards Secured Credit Card is the easiest Bank of America credit card to get because you can get approved with bad credit. This means the odds of approval are good even with a credit score below 640.
In general, your chances of being approved for a $5,000 limit credit card are best if you apply for a secured credit card that allows you to deposit $5,000. The deposit acts as your spending limit, which prevents you from spending more than you can afford to repay.
The bottom line. If you're looking to earn miles and want more ways to redeem rewards for travel, pick the Capital One VentureOne. Meanwhile, you should pick the Capital One Quicksilver if you're after a higher rewards rate on everything you buy.
Which Credit Bureau Does Capital One Use? Capital One appears to pull from any of the three major credit bureaus: Experian, Equifax and TransUnion. Though all evidence is limited to anecdotal data, Capital One does seem to rely on specific bureaus in some states, though this is not a guarantee.
Reports suggest that you'll need a score of at least 700 to get approved for the Capital One Venture card, though people with lower scores have been approved. According to data from LendingTree, the average score to get approved for the card is 738. The typical low score is 664.
What is the minimum credit limit for the Capital One VentureOne Rewards Credit Card? Capital One doesn't reveal the minimum credit limit for the Capital One VentureOne Rewards Credit Card. However, you can expect to be approved for a credit line below $5,000 if your credit profile is less than perfect.
Who qualifies for a Capital One Venture card?
You can also use Capital One's preapproval tool to see which of the Venture cards you qualify for; if your credit score is higher than 670, you might have several options to choose from.
The Capital One Venture credit card airline partners are: Aeromexico (Club Premier) Air Canada (Aeroplan) Air France KLM (Flying Blue)
- Best overall: Wells Fargo Active Cash® Card.
- Best cash back on everyday spending: Blue Cash Everyday® Card from American Express.
- Best for long intro APR: Wells Fargo Reflect® Card.
- Best for balance transfers with excellent credit: Citi® Diamond Preferred® Card.
Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®.
| Average FICO 8 Score by Generation | ||
|---|---|---|
| Generation | 2022 | 2023 |
| Generation Z (ages 18-26) | 679 - Good | 680 - Good |
| Millennials (27-42) | 687 - Good | 690 - Good |
| Generation X (43-58) | 707 - Good | 709 - Good |
