Capital One Venture Rewards Credit Card Credit Score Requirements (Dec. 2023)

In the article below, we’ll take a look at the Capital One Venture Rewards Credit Card score requirements for approval and a few other considerations. Being rejected is never any fun, but some types of rejection have more consequences than others. A rejected credit card application will leave a hard inquiry on your credit report that can cause a dip in your credit score for up to two years.

Given the potentially long-lasting impacts, it’s generally a good idea to apply for credit cards for which you have a good chance of being approved. This is especially true with rewards cards with high signup bonuses, like the Capital One Venture Rewards Credit Card, which requires good to excellent credit to qualify.

Average Score | Pre-Qualify Online | Alternatives | Reconsideration

Since all credit scoring models tend to have their own credit score ranges, the requirement of “good to excellent credit” can be quite vague. Instead, you need to know which scoring model will be used. For the Capital One Venture Rewards Credit Card, it seems that Capital One uses the FICO Score 4, rather than the newer and more popular FICO Score 8.

Given some context, we now know that most approved applicants for the Capital One Venture Rewards Credit Card will likely have scores above 670 (the bottom of the “Good” credit range for FICO). But that isn’t the whole story; looking at reviews, it seems the average score is a much higher 725, just short of the “Very Good” range, and the highest credit limits are reserved for applicants with scores in the “Excellent” range.

Capital One Venture Rewards Credit Card

EXPERT'S RATING

★★★★★

4.9

OVERALL RATING

4.8/5.0

• 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
• Earn unlimited 2X miles on every purchase, every day
• 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
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $100 credit for Global Entry or TSA PreCheck®
• Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network

• See application, terms and details.

See Rates & Fees

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	19.99% - 29.99% (Variable)	$95	Excellent, Good

And those high average scores make perfect sense for the Capital One Venture Rewards Credit Card, particularly in light of the fact that it is a Visa Signature® card, a tier higher on the Visa benefits ladder than the basic Visa Traditional card. Basically, most Visa Signature® products come with a minimum credit limit of $5,000, so you’ll need to qualify for at least that amount to be approved for the card.

If the Capital One Venture Rewards Credit Card‘s high average score is a bit too rich for your reports, you may find success with the issuer’s lower-tier travel card, the Capital One VentureOne Rewards Credit Card. While theCapital One VentureOne Rewards Credit Card is still marketed to the “good to excellent credit” crowd, reports indicate its average credit score is closer to the 670 mark than its sibling.

Capital One VentureOne Rewards Credit Card

EXPERT'S RATING

★★★★★

4.9

OVERALL RATING

4.9/5.0

• $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

• See application, terms and details.

See Rates & Fees

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
0% for 15 months	0% for 15 months	19.99% - 29.99% (Variable)	$0	Excellent, Good

The main difference between the two cards is a lower base earnings rate for rewards and a smaller signup bonus (though the spending requirement is also lower, which may be a boon for some). Additionally, credit limits tend to be lower.

Another thing to keep in mind when applying is that, while all credit card applications (or applications for any credit product, for that matter) result in a credit check to determine your credit risk, Capital One takes it a step further. Where most issuers check your credit report from one or two bureaus, Capital One apparently checks all three credit reports when you apply.

Although knowing your personal credit score can help you find which card you have the best chances of qualifying for, your credit score isn’t always the deciding factor. Other aspects of your credit risk, like your current utilization and credit history length, can also play big roles in whether your credit card application is approved.

If you’re at all unsure of your chances of being approved for the Capital One Venture Rewards Credit Card, you may want to consider checking for pre-qualification offers before you officially apply. Pre-qualification uses a soft credit inquiry that won’t hurt your credit score to match you with the best-fitting card.

Being pre-qualified for a specific card won’t guarantee your approval but it can indicate that the odds of approval are good. Similarly, not being pre-qualified doesn’t mean you’re certain to be rejected — but it’s a strong sign you should prepare for the possibility. If you fill out the pre-qualification form and don’t see a Capital One Venture Rewards Credit Card, for example, you may want to look at the Capital One VentureOne Rewards Credit Card card instead.

Another way you may be pre-qualified for a Capital One credit card is through a direct mailer from Capital One itself. As with other issuers, Capital One periodically sends unsolicited pre-qualification offers through the mail to select customers. To reply to the offer, you can simply enter the reservation number and access code from your offer into the online form.

In the event that both the Capital One Venture Rewards Credit Card and the Capital One VentureOne Rewards Credit Card are out of your credit score’s reach, you may be better off investigating alternatives with more flexible credit requirements. Cards specifically designed for those with fair credit are much more likely to approve a lower credit score than those targeting good-credit consumers.

While the credit limits will typically be lower — and the interest rates higher — with fair-credit cards than other options, you can still find some decent cards, even some that offer purchase rewards. Our top-rated list of cards for fair credit has both prime and subprime issuers, including several alternative Capital One options.

Capital One Platinum Credit Card

FAIR CREDIT RATING

★★★★★

4.9

OVERALL RATING

4.5/5.0

• No annual or hidden fees. See if you're approved in seconds
• Be automatically considered for a higher credit line in as little as 6 months
• Help build your credit through responsible use of a card like this
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Monitor your credit score with CreditWise from Capital One. It's free for everyone
• Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app

• See application, terms and details.

See Rates & Fees

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	30.74% (Variable)	$0	Average, Fair, Limited

Discover it® Student Cash Back

at Discover Card'ssecure website

FAIR CREDIT RATING

★★★★★

4.8

OVERALL RATING

4.5/5.0

Our Review »

• INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
• 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—automatically.
• No credit score required to apply.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• No annual fee and build your credit with responsible use.
• 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
• Terms and conditions apply.

• See application, terms and details.

See Rates & Fees

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
0% Intro APR for 6 months	10.99% Intro APR for 6 months	18.24% - 27.24% Variable APR	$0	Fair/New to Credit

Capital One QuicksilverOne Cash Rewards Credit Card

FAIR CREDIT RATING

★★★★★

4.8

OVERALL RATING

4.5/5.0

• Earn unlimited 1.5% cash back on every purchase, every day
• No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
• Be automatically considered for a higher credit line in as little as 6 months
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Help strengthen your credit for the future with responsible card use
• Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

• See application, terms and details.

See Rates & Fees

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	30.74% (Variable)	$39	Average, Fair, Limited

Aspire® Cash Back Reward Card

at Aspire Card'ssecure website

FAIR CREDIT RATING

★★★★★

4.7

OVERALL RATING

4.5/5.0

Our Review »

• Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
• Earn 1% Cash Back Rewards* on all other eligible purchases
• Up to $1,000 credit limit subject to credit approval
• Prequalify** without affecting your credit score
• No security deposit
• Free access to your VantageScore 4.0 score from TransUnion®†
  *See Program Terms for important information about the cash back rewards program.
  ** Prequalify means that you authorize us to make a soft inquiry (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
  † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	29.99% or 36% Fixed	As low as $85	Fair

Milestone® Mastercard®

at Milestone Mastercard®'ssecure website

FAIR CREDIT RATING

★★★★★

4.7

OVERALL RATING

4.1/5.0

Our Review »

• Greater access to credit than before - $700 credit limit
• Get a Mastercard accepted online, in store and in app
• Account history is reported to the three major credit bureaus in the U.S.
• $0 liability* for unauthorized use
• Access your account online or from your mobile device 24/7
• *Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	See terms	See terms	Fair/Good

+See More Cards for Fair Credit

Being turned down for a credit card can be a hard rejection to take, and the resulting hard inquiry is a reminder of that rejection that no amount of french fries can fix. And if you’re thinking that reconsideration might be the path to having that rejection reversed, well, think again; Capital One seems to be out of the recon game.

According to reports from card forums and cardholders, Capital One no longer reconsiders any applications unless there was a mistake on the application or an error occurred on Capital One’s part. Even previously successful reconsideration methods, such as emailing the Executive Office (EO), seem to fail to result in a reconsideration of any kind.

All in all, if you’re rejected for the Capital One Venture Rewards Credit Card, your best bet is likely to analyze your credit report for any possible red flags and work on cleaning up any questionable accounts. Once you’ve cleaned up your credit, check for pre-qualification offers to help prevent a second rejection.

Otherwise, you may be better off finding a card with more flexible credit requirements. The current credit card market is full of quality travel rewards cards, making it easy to find a good alternative.