Capital One Venture Rewards Credit Card Credit Score Requirements
Writer: Ashley Fricker
Ashley Fricker, Senior Editor
Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.
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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.
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.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
LIMITED-TIME OFFER: Enjoy $300 to use on hotel and vacation rental bookings through Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s more than $1,000 in travel value
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
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 $120 credit for Global Entry or TSA PreCheck®
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
Transfer your miles to your choice of 15+ travel loyalty programs
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.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
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.
You Can Check for Pre-Qualification Offers Online
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.
Fair-Credit Alternatives for Middling Scores
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.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
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
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
No rotating categories or limits to how much you can earn, and you can use your cash back for any amount–get gift cards, cover purchases or redeem for cash. Plus, rewards don’t expire for the life of the account
Be automatically considered for a higher credit line in as little as 6 months
Help strengthen your credit for the future with responsible card usage
Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Earn 8% cash back on Capital One Entertainment purchases with your SavorOne Card and enjoy exclusive access and cardholder perks
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Capital One SavorOne cardholders can pay with their rewards via PayPal Pay with Rewards and at Amazon.com
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.74% - 25.74% applies
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $50 cash back into $100. Or turn $100 cash back into $200
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
Capital One QuicksilverOne Cash Rewards Credit Card
4.5/5.0
About this rating
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
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
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Capital One No Longer Offers Credit Reconsideration
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.
