Edited by: Keri Stooksbury
& Kellie Jez
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One of the most popular mid-tier credit cards available is the Capital One Venture Rewards Credit Card.
Offering exceptional rewards, a streamlined bonus structure, and solid ancillary perks, this card is the go-to option for many frequent travelers.
Although Capital One is generally hit-or-miss when it comes to credit card approvals — even for those with excellent credit — we’re going to be taking a look at the requirements to get approved for the Capital One Venture card.
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
As a frequent traveler with excellent credit, you’re always on the lookout for a credit card that comes with all the bells and whistles. And the easier it is to understand, the better!
The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great sign-up bonus, high rewards rates, and flexible redemption options.
In general, your FICO credit score is made up of 5 elements:
There are other scoring models out there, including VantageScore, but FICO is still the gold standard for credit cards, mortgages, auto loans, personal loans, and more.
One of the most common misconceptions is that checking your credit score will hurt it. This couldn’t be further from the truth.
Being self-aware of your credit score can go a long way in preventing wasted credit card applications. For example, if you only have fair credit but don’t realize it, you could be wasting a credit pull if you apply for a credit card that requires an excellent credit score.
Although you can get a free credit report every year, another great way to monitor the contents of your credit report in real-time is to sign up for a complimentary Credit Karma account. Just be sure not to pay too much attention to the credit score number, as Credit Karma uses VantageScore, which isn’t an industry-standard scoring model.
Right now, the Capital One Venture card is recommended for those who have good to excellent credit. Remember, the credit score is just 1 of the factors that are considered when evaluating an applicant.
Excellent credit (also known as Tier 1 credit) is generally defined as a FICO credit score of 740 or higher. This label can be somewhat misleading because we’ve personally seen those with sub-700 credit scores get approved and those with 800+ credit scores get declined.
In general, Capital One cares a lot more about the number of new accounts on your credit report than the actual credit score number.
For example, we generally recommend those applying for the Capital One Venture card have 6 or fewer new credit cards in the last 24 months.
Capital One earns a significant amount of profits from interest charges, so it might be advantageous for you to report that you carry a balance when filling out the application.
Capital One seems to favor applicants with higher income, though it’s not a deal-breaker if you don’t have a 6-figure income.
Also, Capital One values an existing relationship with Capital One heavily — for example, if you already have the Capital One Quicksilver Cash Rewards Credit Card, you might be positioned for better approval odds.
Here are some rules of thumb that we found useful when applying for the Capital One Venture card:
We’re not in the business of offering credit advice, but Capital One actually offers credit card products to customers on all rungs of the credit ladder, so to speak.
For example, if you have limited credit history, Capital One has solutions to help you build credit. If you’re looking to rebuild your credit, Capital One has solutions there, too.
The Capital One Venture card is generally reserved for those who have demonstrated a long history of excellent credit practices.
Here are some great rules of thumb to follow:
Hot Tip: We’ve also put together a separate article on how to improve your credit score!
The Capital One Venture card is one of the leading credit cards in the mid-tier travel rewards market.
Those who hold the card enjoy 2 complimentary visits to Capital One Lounges and Plaza Premium Lounges every year, the ability to earn up to 5x miles on purchases, and a Global Entry or TSA PreCheck application fee credit.
If you’re looking to add this card to your portfolio, be sure that you’re at least meeting the guidelines to get approved; since Capital One pulls all 3 credit bureaus, you run the risk of dinging all 3 of your credit reports if you don’t apply at the right time and end up getting declined.
Overall, we think you should have fewer than 6 new cards opened in the last 2 years, a minimum of 2 years’ worth of excellent credit history with a payment history to reflect this, and a clean credit report for at least a week leading up to your Capital One Venture card application.
Let us know about your success or challenges with your Capital One Venture card application!
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
The information regarding the Capital One Quicksilver Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Platinum Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One VentureOne Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The minimum credit limit for the Capital One Venture card is $5,000, since it’s a Visa Signature card.
Typically, the approved credit limit is $10,000 to $25,000.
We’ve seen credit limits as high as $100,000 on the Capital One Venture card, though.
To get approved for the Capital One Venture card, you’d ideally want to have an excellent FICO credit score of at least 740.
Better yet, Capital One likes to see a perfect payment history, high income, as few new open accounts as possible in the last 2 years, an existing Capital One card relationship, and even a tendency to carry a balance from month to month.
Capital One pulls all 3 bureaus — Equifax, Experian, and TransUnion.
No. In general, Capital One’s prequalification process for credit cards is a soft pull.
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