It has become more challenging to earn welcome bonuses on multiple popular Capital One cards,<\/a> as Capital One has implemented a 48-month restriction across its Venture family of cards.<\/p>\n This includes the Capital One VentureOne Rewards Credit Card<\/a> ($0 annual fee), the Capital One Venture Rewards Credit Card<\/a> ($95 annual fee) and the Capital One Venture X Rewards Credit Card<\/a> ($395 annual fee).<\/p>\n The new rule essentially limits cardholders from moving “down” within the Venture suite (in terms of annual fees) if they’ve opened a new Venture-family card and earned a bonus in the last 48 months.<\/p>\n Capital One still permits those with the lower-annual-fee products to be approved for a Venture-family card that charges a higher annual fee, so “upward” movement within the lineup is allowed.<\/p>\n Here are the full details.<\/p>\n Because this new Venture family rule restricts “downward” movement in terms of annual fees, current Venture X<\/a> cardholders who have applied for the card and received the bonus in the last 48 months are the most affected.<\/p>\n That’s because Venture X cardholders who have opened the $395-annual-fee product or received the bonus in the last 48 months will not be allowed to open a VentureOne<\/a> or Venture<\/a> card. A Capital One representative confirmed to TPG that those who are denied the VentureOne or the Venture may be eligible for a “terms-modified version of VentureOne” without a welcome bonus.<\/p>\n Let’s break it down by card to understand how the rule relates to each product.<\/p>\n Reward your inbox with the TPG Daily newsletter<\/p>\n Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\nCapital One’s new Venture family rule<\/h2>\n
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