Capital One Venture Reviews

This card is the worst. I was told from others it was the best travel card. However found out that those who told me it was a great card had a card on the Visa network. Unfortunately they changed networks and this card uses the discover network and is not accepted most places on Europe.

When we signed up we loved our venture X card but with the new changes we were very dissapointed. One of the biggest reasons we chose Venture X was for the lounge access, then you took it away. I can totally understand not allowing multiple visitors into lounges under one card due to overcrowding, but we feel that additional cardholders or at least one additional cardholder should be allowed lounge access along with the primary cardholder. Or even allow the cardholder to have at least one guest. Again we were really disappointed when we heard of this change, and are considering switch back to our AMEX or even looking at Chase Sapphire.

The rewards benefit is terrible. They refuse rewards because the merchant did not "code" the transaction correctly - no recourse on that. They have agreements with Vrbo, but didn't allow us a redemption for a $4,396.51 payment to Vrbo. There used to be other ways to redeem, but I don't see them anymore. Customer Service isn't bad, it's non-existent. If you're looking for travel rewards, keep looking.

HORRIBLE experience with Capital One Travel. Booked a house through Capital One (Evolve). Main bedroom infested with bed bugs. Pictures to prove (live bugs and 15+ bites). Capital One was USELESS. Offered me $200 when I used $60,000+ points. We had to launder everything, throw away luggage, wake our children up in the middle of the night. Just an awful experience. Told us they spoke to the homeowner who denied anything. Such a lie because the homeowner called and spoke with us personally. I spent hours upon hours on the phone between my Capital One Venture card and Capital One Travel. Ended up cancelling the Venture card because the customer service was horrid. Never would I book with them again.

If I could give this company zero stars I would. Totally inflexible in their ability to solve my problem. I have a Magicjack phone because I travel. It does not accept sms texts or short codes. I recently had fraudulent activity on the card, reported it and they closed that account and issued me a new account number. But in order to get the physical card they want mt to call and receive a code which I have continuously explained that I cannot receive those. I tried changing the phone number but guess what…they want to send you a code by phone to do chages.

Capital One Venture has been an extremely disappointing experience. I was denied a refund for charges from a merchant who never provided the services I paid for, even after submitting full documentation proving the airline cancelled the flight. Capital One refused to stand behind their customer, ignored the facts, and closed the dispute without any reasonable explanation. A travel card that advertises protection and support should actually protect its customers. Instead, I was left paying for services I never received. I would not recommend the Venture card to anyone who expects fair treatment or reliable dispute resolution. I will be canceling my credit card with Capital One Venture.

Zero stars! I booked flights through Capital One. I made sure to pay extra for seat selection since I'm traveling with my kids. The Capital One site allowed me to choose my seats, then I received an email stating that the seat selection was not approved and I needed to go on the Delta site to select my seats. I went to the Delta site and only paid seats were available. I then called Capital One and explained the situation only to be told I needed to call Delta that they couldn't do anything. I then called Delta and they said the ticket Capital One sold me did not include seat selection even though the listing said it did, even on my Capital One receipt it says free and shows the seats I selected. Delta then instructed me to call Capital One back.

The first card that I had was getting hit with fraudulent charges, so they sent me a new card, and then the new card was getting hit by the same company before I even had it out of my mailbox! I had not even had the card in my hand yet to activate it. What is that say about Capital One's security? Well, it tells me enough that they can keep their third card for sure. I'll be settling up the account and closing that as soon as possible.

I am sad to say that I definitely would NOT recommend this card!!!! I was told it was a VISA card on the website! Come to find out that they are now all discover cards!! My son is traveling to Italy and I did my research to ensure the best experience for him! It was too late to get another travel card without any fees for transactions! DISCOVER is not available in the college town and most of ITALY!!!! If you are traveling internationally DO NOT GET THIS CARD!! They refused to change it to a visa and I am beyond disappointed! HORRIBLE CARD!

What’s especially concerning is the nature of the verification process itself. After allowing an initial purchase, subsequent activity is flagged as “fraud,” and customers are then asked to upload highly sensitive personal documents through an emailed link. Even if this process is legitimate, it raises serious questions about how securely this information is handled and why such intrusive verification is required after the account has already been approved and used. I’ve also seen multiple reports of customers experiencing the same pattern, which makes this feel less like an isolated issue and more like a systemic problem. I have two other Capital One cards tied to the same online account??? How stupid is this!!!!

Capital One Travel is the WORST! They left us stranded without a hotel reservation for four nights. We had prepaid for the stay, but they never booked it. The hotel, the Hilton, had no rooms available, nor did any other hotel. But Capital One Travel did us the huge “favor” of refunding our reservation with no charges. Never again! Ruined our vacation.

I recently did a balance transfer to my card for almost $18,000 and got charged over $500 for it. Then the next month the automatic payment hit and you collected the full payment included the almost $18,000 balance transferred (which doesn’t make any sense!!!). When I realized it, I called to fix it and I was told that within 10 business days I was going to get my money back. 2 weeks went by and nothing happened… I called again and I was told that they didn’t see that they requested my money, I was even told that this happens so offer that they had a regular procedure for it, because it happens to many people, then the very chatty and happy lady that helped me told me that this time for sure!!! Within 10 business days again, I was going to get my money back.

Be warned: This will affect your credit. Applied for the Capital One venture one Balance transfer card. 1/28/26. It was advertised 21 months 0% financing, 3% transfer fee, 0% annual fee. With Credit score between 670 to 850. My score is 739. I have transferred before and normally can do the transfers as soon as I’m approved which I was online, right away, for $7000. It wouldn’t allow me to. I called Capital One. You have to wait for your card.

This card specifically for traveling and you get more rewards booking through Their website BUT if you compare their prices with any other website they are more expensive and they don’t price match Packages which is the main thing people use to book a vacation trip. The HIDE, Venture X don’t price match packages (hotel and flights together). Way cheaper on Expedia or Booking.

I applied for the Venture One Rewards Card during a promotion: 0% interest and "Earn 20,000 bonus miles once you spend $500 on purchases within 3 months from account opening". It is a serious bait and switch committed by Capital One. When I called customer service, many, many times, I was told that there was no bonus attached to my application. That isn't even logical because why would anyone apply for the card without the current bonus? I already have two other Capital One cards that had more than enough room for my purchases, so applying for the Venture Card minus bonuses makes no sense.

I booked my flights and rental car through Capital One. My flight was cancelled so I called to adjust my rental car. Not only would they not adjust it or cancel, they said if I don't pick it up within 2 hours of the reservation, the car goes back into the fleet and I don't have a car. How does that make any sense at all?

I have been a customer for 15 years and due to an error between my bank and Capital One, the mobile payment was returned. I was charged a $29 late fee and when I called, they said that they couldn't do anything. I paid the full statement amount and the fee over the phone. 2 days later, I received an interest charge of $60.72!! I called again and told them my statement was paid in full why was I being charged an interest charge? They said the max they could do is to give me a $50 waiver for one time only. I told them to look at my history throughout these 15 years as a customer to see if I had ever missed a payment, and the max they said was: I am sorry you feel this way. Welp! Because of $39.72 you have lost a loyalty customer as I have canceled my card.

With near 800 credit score, I got the Capital One Venture card approved right away. Week 4 after trying to pay off a cell phone device so that I can unlock and utilize for upcoming international travel. ~$800 charge attempt with AT&T, somehow triggered “fraud” alarm and the card got “restricted” - can’t be used until further notice. I jumped through the hoops that Capital One placed, got the restriction lifted and informed them my upcoming trip overseas and don’t freak out. Sure enough, on the 3rd purchase attempt on my 2nd day of international travel, they throw the “fraud”, placed the restriction on the card again. This time is ridiculous, not only they need me to bend backwards to provide 3 consecutive income statements plus I have to be able to answer their phone calls for the next 10 days to determine of they can lift the restriction or not! While I am on the bloody international travel!

So disappointed in this card. They absolutely do not value their customers. I have had to file a dispute 2 times in the 15+ years I have had it and both times they have denied them. They’re awful and I absolutely would NOT recommend them to anyone.

In the past, they have been great to work with for over 10 years until now. Here is what happened. I purchased a computer at Best Buy. My credit card was declined. That's ok, they are looking out for both of us. I got a question sent, did you use this card, I responded yes. They said I could use my card now. That was ok. I tried song my card, failed again, pretty embarrassing.

If you are in the military? This card IS NOT for you. I got it for the rewards and Global entry waived fee. However since being approved on October 31st the account is restricted. Not to mention I've sent my military verification TWICE, and haven't been able to receive my interest reduction benefits either. 10 days in, no one has been able to solve my "identity verification issue" after long-distance calls for hours (I'm deployed overseas) RUN AWAY! It's just an inquiry on your credit, and an annual fee charge for a card YOU WON'T BE ABLE TO USE!

VENTURE CAPITAL ONE Credit card is an absolute scam. We had a charge that we did not Sign for, we did not authorize, and never received service for the charge. It was fraudulent and capital one venture card refused to credit our account. We sent them paperwork. Notarized copies that we didn't authorize. I never signed for it and never received any service before the charge and they still, even though it was a fraudulent charge, refuse to credit our account. I will never, ever use this card again. And I would highly recommend you not to use them. They did this on two separate charges to us. Even the police were notified that it was fraudulent. And even with that the company still refused to credit our fraud charge for over $2500 and $1750 better not our charges.

I have been a CapitalOne customer for decades. Last year, I called to change my last name. While they had me on the phone, they offered me a promotion for a Venture card, with enough bonus miles to take an international trip if I spent several thousand in the first few months. I completed the required spend and then received a notice that my miles received per dollar were going to be reduced from 2 to 1. Then, when I still hadn't received my bonus miles after many months, I called them to learn that they had delivered false promises and that only new customers were eligible for that offer, despite the customer service rep being fully aware that I was already a customer and selling me on this card.

So far, I have spent almost every day since 9/6/25 trying to resolve a problem via website, app and phone. The problem has yet to be resolved. My old phone number was deleted, and I tried to change it to the new number. The problem is that the verification code is sent to the old number. If there is an option, and you choose verification via e-mail, which make sense, it still doesn't work because it has to be followed up with, yet another verification code sent to the cancelled phone number. It's like dealing with the Keystone cops. It's not the fault of the customer service people, who are trying to help, nor is it the language barrier. It's a management problem, and it starts at the top.

If I could give zero stars, I would. I filed a fraud claim and was told I must have forgotten the charge was made on my account. In addition to being insulting, it was terrible trying to justify my fraud claim. I was told because it was a chip embedded card that I must have made the charge. Capital One refuses to help me with this. So I am canceling my cards and moving on to a bank or credit union that has more customer service in business practices. I was practically accused of doing this and trying to pass this off and get a reversal of the charge. I normally spend almost $10000 a month on this card. And for a lousy sixty five dollars, they're losing my business.

All the marketing Capital One puts into travel insurance oh the best card out there! I was hospitalized on my vacation and nothing is covered. Not even any flights, resort costs nothing!! I can’t wait to cancel the so called best travel card out there! Do not trust what any customer service agent tells you about the insurance either. Lesson learned always buy a third party insurance coverage will full max benefits and ask questions before believing a credit card company.

I wish I could give zero stars. We signed up for the Venture card with the understanding that it would provide value through volume purchase, combined with the benefit of the airport lounges. Every time we purchased airline tickets I would check against other published rates. In 100% of the cases Capital One’s prices were significantly higher, which nullified the promoted benefit of using the card for travel purposes. And then they decide to eliminate access to the lounges that would previously been provided to cardholders - starting in the near future, only the “primary cardholder” will have access to the lounge. Anybody else will now have to pay a significant fee (i.e. my wife).

Do not get this credit card if you want to use it for the travel portal. I made good faith travel reservations weeks in advance, paid for and confirmed. Capital One Travel Portal cancelled my reservation two days prior to arrival and then relisted the room for more money. This is horrible customer service.

Avoid Capital One Venture Card – Nightmare Experience. I signed up for the Capital One Venture credit card because of the attractive travel mileage rewards. After just a week of responsible use, my account was suddenly restricted. I called customer service and was transferred to the fraud department—but no one could clearly explain why my account was flagged.

I booked a car with Booking.com and was charged 380 for a rental I made and never got conformation for. I ended up having to pay for the rental directly to SIXT (place I made reservation). When I disputed charge from booking.com for taking my money and giving me nothing for it, I filed a dispute. I sent over details of both charges and all documents I was asked to provide. Booking.com sent a copy of reservation with wrong email that they claimed the reservation to and that apparently is enough for them to side with merchant. I would never use Capital One again!!

I have had the Venture card for a few years and was happy with it until I was charged at the football stadium in Seattle while I was across the country in Boston. I hadn't even visited Seattle in years and was told by many customer service reps and managers that because my card had a chip, they could "prove" it was used in Seattle. The charge was only $10 but it was clearly fraud and the principle that I was upset with. I had no choice but to pay it and am now getting around to closing my card and sticking with companies who believe their customers.

I am extremely unhappy with how the Venture X card works. The benefits are good but the selling point that there is "no preset credit line" is very misleading. I used a Capital One Spark card for my small business for years and had a $40,000 credit limit. I switched to the Venture X and started having purchases turned down when I reached $10,000. I have had the card for a year and a half and just had a $2,000 purchase rejected today with my account at $12,000. No late payments. No problems on my side. "Spend more and make more payments" is all they will say. It is NOT working and no one at Capital One will give me a straight answer.

I have applied for a Venture One Card about a month ago and account still not activated. They sent me the card but then immediately put it on restriction and started asking me for more information. I have given them my license info so far four times and address info (in form of lease and bank account). They are very rude on the phone when I call for status and also they keep telling me that my regular cell phone number (nothing special just a normal cell phone with T-Mobile Metro service) is not available for them to send texts (I use it for work and personal and receive texts all of the time). I am not sure if I will continue as this is the most horrible experience and now I am unsure if they will even allow any purchases (nowadays many purchases are declined due to "fraud prevention"). I will update if things changes.

I applied for the Capital One Venture X Business card expecting premium service and protection, but my experience has been incredibly disappointing. I filed a dispute for an unauthorized charge from a vendor I hadn’t used in over a year. The merchant responded with a confusing and contradictory document filled with inaccuracies, some of which clearly proved the account had been canceled months earlier. I submitted clear evidence refuting their claims, yet Capital One dismissed my documentation without explanation.

I got this card (Capital one venture) so that I could gain and use points for my surgeries, vacations and work. Even though every other card in the world can give you a temporary digital card to use through Apple pay, but capital one, they let you have a different digital card for each site except for your apple wallet. But they deny you access to their travel portal until you get AND ACTIVATE your physical card, which is 2 weeks, if you’re lucky. Can you believe that? They can print out these cheap pieces of plastic with pre-planned numbers in 30 seconds, stamp and mail it within an hour total and then send it. 2 weeks??? In 2025? minimum?? And why can I not use the digital card on apple pay? Why can I not even ACCESS the travel platform before I receive and ACTIVATE my card??

I have been very happy with my Capital One Venture card until I tried to use my points. Capital One Venture has a "middle man", company that processes their points. We were unable to get points owed to us refunded. Capital one, Budget Rent a car, and Capital One's point processor kept passing us off to each other to correct the situation. After much time, effort, numerous phone calls and correspondence, we were unable to get refunded $526.68 in points that we had not used. I am looking for a better card where this will not happen. Meanwhile, I would suggest, use your Capital One Venture card to purchase your car rentals or travel expenses and then get your points to pay for expenses after the fact instead of using points up front. This was a very frustrating, disappointing and an unexpected experience to have with a company that we have enjoyed for many years.

If I could give this card zero stars I would. Here are some of the main reasons:

Hello, I had venture x card for few years. I extremely disappointed and mad after close account. I closed account on December 13, 2024. I had credit balance of $1000+ when I close. Today is April 25 and credit balance never received. I called Customer service (Horrible CS) so many times but no resolution. I called again today and spend 66+ minutes with rep Irish and supervisor Wendy. They said check back in February, but no one cash it. We never received check from Venture x. They are lying. We asked Wendy to deposit check into my bank account, but she refused. I asked her to send it by UPS, and she refused. I asked her to add 28% (They charge same percentage if you don't pay in full) interest to my money. She refused. I send email to CEO Richard bank at least 3 times but he never responds. Wendy told me I will receive my refund check in 15 business days. They told me same thing before, but I never received anything. It is more than 4+ months, and I am still waiting.

I am extremely unsatisfied with my Capital One Venture Card. I worked great for months. We spent and paid off about 50,000 over the past 6 months doing a house remodel. All of a sudden I get a notification that my account was restricted because they had concerns. I had just made 2 payments. They want me to verify that I am allowed to use the bank account that I used for payments. I did complain but decided to comply with their process so it didn't disrupt the way my finances work. They emailed a link and I immediately sent the bank record they requested.

Under a dispute with a merchant, you'll have to roll a dice when talking to customer service as some of them sound monotone and don't want to be there while if you're luckily there are those who sound helpful but can't do as much as far as helping.