Capital One Venture Reviews

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.

My worst booking experience. If you book a stay using them make sure to double check your confirmation when you check in your hotel. I was charged twice for my last stay. Capital One booking charge me and the hotel I stayed at. It’s been 6 days and it’s still has not been resolved. I just made them to issue a dispute with the hotel. Pray I get a refund.

The Capital One Venture X card experience we had as a first time card owner has been horrible. Because we weren't using the card after first signing up, we called to cancel and found it was too late for the $395 refund. So we continued with the card since we had already paid the large upfront fee. We discovered the agent on the phone mistakenly cancelled our card. We called to protest and were told it would take 2 weeks to "investigate".

They say on their website that if you are over 21 years old then you can count someone else's income as your own if they regularly pay your expenses, however they won't accept such income once they ask for verification. Plain dishonest.

To Be honest this is the worst card a person could ever get. Went on vacation to accumulate miles. I informed them my plans and still they froze my card in three separate occasions for suspicious activities and let me just say it was embarrassing. I not only had to verify my home address, my last four of my social, I had to take photos of my license front and back and take a selfie, a selfie - WOW. People had to leave the line. I get home to start paying off what I had spent to see I had a balance due of almost $3 dollars. When I call, they say it's a past interest charge, whaaaat - I paid off my $ 149.10 balance that's what I owed and they didn't care, they kept repeating the same thing over and over. I do not RECOMMEND this card to no one. They don't even deserve one star but I had to put it in order to leave the review.

Trying to turn mileage credit into a gift card, as offered on the app. 22 attempts, plus more than an hour on the phone with customer service. They couldn’t get it to work, either. Totally disgusted.

I got a Capitol One Venture card. After making one purchase of airline tickets, the whole reason I got the card, their algorithm flagged and restricted my account. The verification process was a constant hassle and I couldn’t access my rewards points. Trash company.

Capital One has really bad customer service. My venture card was restricted twice, and I had to send in my SSN card to reactivate my card. The second time, I sent it in through Fax. I had to call 3 time to find out they had lost it. I have never experienced this from any of my other credit card companies. I had enough and canceled the card. In the past, I like Capital one card and service, but now I will never get another Capital one card.