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Earning welcome bonuses on many of Capital One’s popular cards has become more difficult, as Capital One has implemented 48-month limits across its portfolio of Venture cards.
This includes the Capital One VentureOne Rewards Credit Card ($0 annual fee), the Capital One Venture Rewards Credit Card ($95 annual fee) and the Capital One Venture
The new rule essentially limits cardholders from moving “down” within the Venture family (in terms of annual fees) if they open a new Venture-family card and have earned a reward in the last 48 months.
Capital One still allows those with products with lower annual fees to be approved for a Venture-family card that charges higher annual fees, so “upward” movement within the lineup is allowed.
Here are the full details.
Capital One’s new venture family base
Because this new Venture Family rule restricts “downward” movement in terms of current annual fees Venture
This is because Venture A Capital One representative confirmed to TPG that those who were rejected from VentureOne or Venture may be eligible for a “modified version of VentureOne” without a welcome bonus.
Let’s break it down by card to understand how the rule relates to each product.
- If you are applying for VentureOne: You are not eligible for the card or bonus if you have earned a VentureOne, Venture, or Venture
- If you are applying for the project: You are not eligible for the card or bonus if you have earned a Venture or Venture X bonus within the past 48 months. If you have only opened or earned a VentureOne reward, you are eligible for the Venture Card and the reward.
- If you are applying for Venture: You are not eligible for the card or bonus if you have opened or earned a Venture X bonus within the past 48 months. If you have only opened or earned a Venture or VentureOne reward, you are eligible for the Venture
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Capital One has restricted cardholders to a 48-month waiting period between earning welcome rewards on the same in-person card since 2023, so this new rule essentially extends the restrictions to all Venture-branded cards.
Other Capital One application restrictions require you to wait six months between approvals for new Capital One cards, including personal and business cards.
RELATED: 6 Things You Should Do When You Get Capital One Venture
Welcome bonuses in Capital One Venture lineup
If you qualify for a new Capital One card in its Venture family, you may want to apply to secure one of these welcome offers:
- Venture One: Get $100 to use toward Capital One Travel in your first year of holding the card (no spending required), plus earn 20,000 miles after spending $500 on purchases in the first three months of account opening.
- Take risks: Earn 75,000 miles after spending $4,000 on purchases within the first three months of account opening.
- The tenth project: Earn 75,000 miles after spending $4,000 on purchases within the first three months of account opening.
TPG’s October 2025 ratings consider Capital One Miles to be worth 1.85 cents apiece, and there are several ways you can maximize your rewards to make them even more valuable.
Related: The best credit card welcome bonuses this month
Bottom line
It’s now harder to get approved and receive a reward on cards within Capital One’s Venture family if you already have a Venture product and received it in the last 48 months.
This is a particularly negative change for Venture
You can still “move up” the venture family ladder, starting with VentureOne before moving on to Venture or Venture X (or moving from Venture to Venture X). However, it is important to consider all application restrictions when applying for a new card.
RELATED: 8 Reasons Your Credit Card Application Will Be Denied
