The Capital One Venture Rewards Credit Card is a strong choice for journey fans to earn Capital One miles for a modest $95 annual charge.
Nevertheless, if you wish to be permitted for this card, you may need to make certain you are eligible first. That is very true if you have already got different Capital One cards in your pockets.
Capital One not too long ago tightened restrictions for approval throughout its Enterprise household of playing cards, making it much more essential to overview your standing earlier than you apply. Here is every little thing you could know.
Are you eligible to use for the Capital One Enterprise?
There are a number of elements to contemplate in case you’re hoping to be permitted for the Venture and obtain its bonus, together with the brand new adjustments to eligibility throughout the Enterprise lineup.
Capital One utility guidelines
It’s a must to wait six months between your Capital One card functions. So, in case you’ve been permitted for any Capital One card throughout the final six months, you may want to attend if you wish to be permitted for the Enterprise.
What if I obtained a Enterprise card welcome bonus up to now?
When you’ve beforehand obtained the Enterprise’s welcome bonus, you need to wait 48 months to be permitted for the cardboard and obtain the bonus once more.
What if I have already got the Enterprise X or VentureOne playing cards?
That is the place the latest change kicks in. Capital One’s current Enterprise lineup household rule applies the 48-month rule while you transfer “down” throughout the Enterprise suite, by way of annual charges.
So, in case you’ve earned the bonus on the Capital One Venture X Rewards Credit Card ($395 annual charge) within the final 48 months, you are not eligible for the Enterprise card or its bonus. Nevertheless, in case you’ve earned the bonus on the no-annual-fee Capital One VentureOne Rewards Credit Card, you’re nonetheless eligible to be permitted for the Enterprise and its bonus — since you are going “up the ladder” as regards to annual charges.
Here is what the cardboard’s phrases must say about this:
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“You aren’t eligible for this product in case you have obtained a brand new cardmember bonus for the Capital One Enterprise card or the Capital One Enterprise X card up to now 48 months.”
What credit score rating do I must qualify for the Enterprise?
TPG recommends a minimal rating of 670 for approval for the Enterprise Rewards, though people with decrease scores have additionally been permitted.
Capital One particularly mentions that you must have wonderful credit score to qualify. Nonetheless, we have seen a number of studies of individuals getting permitted regardless of having a credit score rating under 670. So, it might be value making use of even in case you’re under that mark.
In case you have exceptionally low credit score or no credit score, it is best to attend and apply for a credit-building card as an alternative.
Associated: Credit card showdown: Capital One Venture vs. Capital One Venture X
Capital One Enterprise Rewards particulars
When you’re keen on making use of for the Venture, listed below are the fundamentals to know in regards to the card.
Present welcome bonus
New candidates can earn 75,000 bonus miles after spending $4,000 on purchases throughout the first three months from account opening.
TPG’s November 2025 valuations deem the whole worth of this bonus at $1,388. That is the standard welcome offer we sometimes see on this card.
There are two main methods to redeem these miles. One choice is to redeem them at a flat charge towards any travel-related expenses in your assertion. This consists of future bookings by way of the Capital One Journey portal, parking charges, rental vehicles and ride-hailing providers, amongst a number of different sorts of journey. This redemption technique affords a flat charge of 1 cent per mile.
A extra advantageous different might contain transferring your miles to Capital One’s 15-plus transfer partners. Most companions provide a simple switch ratio of 1:1. By transferring your miles to a extremely profitable companion, equivalent to Air Canada Aeroplan or Air France-KLM Flying Blue, you’ll be able to simply get important worth out of your miles.
Annual charge
The Enterprise has an annual charge of $95, which feels cheap given this card’s perks.
Incomes
The Enterprise Rewards presents an incomes charge that is easy but rewarding. You may earn:
This card is a superb choice for individuals who do not need to observe a number of bonus classes and as an alternative want incomes a flat reward charge on most purchases.
Different advantages
Past the welcome bonus, listed below are the continued advantages of the Enterprise Rewards:
Associated: 7 types of purchases you should make with your Capital One Venture Rewards card
Backside line
The Venture is a unbelievable card for frequent vacationers at a modest annual charge. Sadly, Capital One has rolled out extra utility restrictions relating to those that have already got Enterprise playing cards and need to apply for the Enterprise and obtain the bonus.
Nevertheless, if you have not obtained a bonus on the Enterprise or Enterprise X in 48 months, wait six months between Capital One card functions and have a TPG-recommended credit score of no less than 670, this strong rewards card will seemingly be yours.
To study extra, learn our full review of the Venture.
Study extra: Capital One Venture Rewards Credit Card
For Capital One merchandise listed on this web page, a number of the advantages could also be supplied by Visa® or Mastercard® and should differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.