topic Re: How to get approved for Capital One Venture? in Credit Card Applications

How to get approved for Capital One Venture?

villemiami — Mon, 22 Dec 2025 05:36:00 GMT

10 months ago, I used the pre-approval tool of Capital One in order to get the Capital One Venture card, I was only pre-approved for the VentureOne. Since then, I tried 3 times I think the pre-approval tool of Capital One and I was never pre-approved for the Venture.

What's the secret to get approved for the Capital One Venture?

Re: How to get approved for Capital One Venture?

GZG — Mon, 22 Dec 2025 05:39:02 GMT

@villemiami wrote:
10 months ago, I used the pre-approval tool of Capital One in order to get the Capital One Venture card, I was only pre-approved for the VentureOne. Since then, I tried 3 times I think the pre-approval tool of Capital One and I was never pre-approved for the Venture.
What's the secret to get approved for the Capital One Venture?

if you're somebody who likes blondes, it doesn't matter how pretty the brown-haired girl is, the brown haired girl just isn't going to be your type

same with cap1

you can try reporting higher statement balances on your report, you can garden to be 0/24, you can ask for some CLIs, your limits are okay, they could be higher

but if Cap1 doesn't like you, you aren't getitng a venture/venture X, it's nothing personal, you're just not who they want to give a SUB to

Re: How to get approved for Capital One Venture?

villemiami — Mon, 22 Dec 2025 05:47:09 GMT

Why are higher statement balances on my report better to be approved? I thought that a high statement balance was making my credit score drop.

Re: How to get approved for Capital One Venture?

AndySoCal — Mon, 22 Dec 2025 15:15:34 GMT

@villemiami Goto Capital One website click on credit cards,click on credit card's overview, click on all filters,click on credit levels, click on learn more about credit levels. This will display Capital One's criteria. Do you meet the criteria for excellent credit which is what you need for Venture or Venture X. I add the number of inquiries should none in the six months or more preferably longer than that.

Capital one likes usage on the card what percentage of the credit limit it takes is open to debate. Does high usage guarantee CLI not in all cases. Capital One own customer service cannot tell you that either. It the balance reported does not make any difference your a Capital One customer they can see the balance history etc.

Re: How to get approved for Capital One Venture?

villemiami — Tue, 23 Dec 2025 19:41:46 GMT

This is a high quality response! Thank you.

I have a Capital One VentureOne card, the last time I used it for a payment was 8 months ago. Once I get the excellent credit level, should I also use my VentureOne a bit before applying for the Venture?

By the way, I noticed a small mistake in their credit level guidelines. It is possible to have been declined for a credit card in the last 3 months, and thus belong to the level "rebuilding credit" while at the same time satisfying all the requirements to belong to the category "excellent credit".

Re: How to get approved for Capital One Venture?

villemiami — Tue, 23 Dec 2025 20:06:12 GMT

I think I know why I was declined. The excellent credit guideline says Credit card for 3 years with more than 5000 dollars in CL. Only my Costco credit card is older than 3 years. It was below 5000 dollars and I increased the CL to 7,400 dollars 2 months ago.

Does it mean that I could apply in a few months and be approved for the Venture? Or does it mean that I should wait 3 years from the time I increased my Costco CL to 7,400 dollars ?

I never understood why my mother got approved for the Venture and not me. Now, I think I know why. She had a Discover It on 2019. Her CL rose from $4,500 to $5,500 on her Discover It in November 2020. She got approved for a Venture on August 2023, so 2 years and 9 months after her CL increase over $5000. So if it's the date of the CL increase, she should have been denied. But she was approved, so they must take into account the opening date of the credit card, which is 2019.
That would mean that I should be approved for the Venture when I will apply in August.

Re: How to get approved for Capital One Venture?

Patient957 — Tue, 23 Dec 2025 21:41:59 GMT

@villemiami wrote:
What's the secret to get approved for the Capital One Venture?

Not so much a secret, but when I gardened and hit 0/12, cap one opened the door to whatever I wanted. Now that I'm 3/12, I get offered only junk on their preapproval tool. FWIW.

Re: How to get approved for Capital One Venture?

villemiami — Tue, 23 Dec 2025 22:02:42 GMT

Ok, when I will apply in August, I will have gardened 0-17.

Re: How to get approved for Capital One Venture?

villemiami — Tue, 23 Dec 2025 22:12:56 GMT

I have a new question.

When I understood that in August, I should be able to finally get approved for a Venture, I closed my VentureOne, because my mother will refer me to the Venture, and I need to have no Capital One card so she can get her referral bonus.

So I opened the VentureOne on February 2025 and closed it today, so it has been 10 months only.

I always heard people saying: "Close your card 1 year after the annual fee post". I closed this card after 10 months instead of 1 year. Did I make a big mistake?

Or is closing before 1 year is only bad for credit cards with annual fee, because banks see you as someone who cares only about the SUB? The VentureOne has no annual fee.

Re: How to get approved for Capital One Venture?

AndySoCal — Wed, 24 Dec 2025 01:39:14 GMT

@villemiami if you have a favorite airline or hotel check to make sure you can convert your Capital one miles / points back to your airline / hotel rewards program the conversion rate is not the same for each airline or hotel see link below. I ma not sure if this list is complete or not.

https://www.capitalone.com/learn-grow/money-management/venture-miles-transfer-partnerships/

Re: How to get approved for Capital One Venture?

Zoostation1 — Wed, 24 Dec 2025 04:00:35 GMT

@villemiami To your prior comment about limits over $5k, excellent credit, 3yrs history etc, those aren't hardline rules. I was approved for Venture X with less history, only 1 card at $5k and a then not quite 6yr old CH7 bankruptcy on file. I was however giving capital one a majority of my spend on 2 other cards with them at the time.

Regarding closing an account after 10 months, if you got a SUB on your VentureOne that could definitely have a negative impact on being approved for Venture. The std VentureOne sub is 20k miles, though I have seen some DPs of a 40k "miles boost" sub (mainly on credit karma).

Re: How to get approved for Capital One Venture?

villemiami — Wed, 24 Dec 2025 04:22:28 GMT

for the VentureOne, I was referred by my mother who has the Venture, and I got no SUB, I called Capital One and I was upset to hear that there was no SUB on my kind of VentureOne, I don't know why. So at least, this should be positive for me when applying for the Venture later.

By the way, I have another question, not linked to Capital One. Does someone knows that almost every time, when I reply to a comment, I get this message:

"Correct the highlighted errors and try again.

Your post has been changed because invalid HTML was found in the message body. The invalid HTML has been removed. Please review the message and submit the message when you are satisfied.".

So what I do is to copy and paste my message in Notepad, then copy and paste from notepad to myfico web page.

I don't put any special character in my comments. Even one time, I edited a comment, just to add "is" and I got this message.

Re: How to get approved for Capital One Venture?

FicoMike0 — Wed, 24 Dec 2025 05:25:17 GMT

What's the big attraction for venture?

Re: How to get approved for Capital One Venture?

villemiami — Wed, 24 Dec 2025 05:33:09 GMT

In the case of my mother, it was the SUB first, then the cashback percent of the Capital One offers beat many cashback web sites, then, among her 6 credit cards, the Venture is the one that offers the best cashback in most purchase categories, 1 capital one mile is evaluated at 1.73 cents, and any purchase gives 2 miles, so it's equivalent to credit card with 3.46% cashback, and last but not least, she got 2 times a retention offer of having to pay no annual fee. She couldn't use the 2 free visits to Capital One lounge the first year. But now, Venture doesn't give this benefit anymore.

Re: How to get approved for Capital One Venture?

Patient957 — Wed, 24 Dec 2025 16:17:49 GMT

@FicoMike0 wrote:
What's the big attraction for venture?

For a lot of people, it's the 75K SUB.

But now that Cap One has put in "family language" on the SUB for the Venture family, one is faced with a choice: Venture or Venture X. The obvious answer is going to almost always be Venture X, unless one can't use the $300 travel credit each year.

Re: How to get approved for Capital One Venture?

villemiami — Wed, 24 Dec 2025 17:18:47 GMT

No, it's better to get the Venture first.

As of today, this is the policy:

Venture X: Customers are not eligible for the Venture X bonus if they have earned the Venture X bonus within the last 48 months
Venture: Customers are not eligible for the Venture bonus if they have earned the Venture X bonus or the Venture bonus within the last 48 months
VentureOne: Customers are not eligible for the VentureOne bonus if they have earned the Venture X, Venture, or VentureOne bonus within the last 48 months

Basically, you can get bonuses in upward mobility fashion but not downward (VentureOne $0 fee –> Venture $95 fee –> Venture X $395 annual fee).
I will get the Venture, it's OK if I'm not chasing the VentureOne SUB, my case is complicated on this one, I didn't get a SUB when I was referred, and I closed it yesterday, and the SUB is small.