i have this card and its pretty decent, 1:1 credit with trave. 300 hotel credit every year + $100 in points - covers the annual fee. They do a price match for hotels which i have to say i always need to use. Book, call say its cheaper here they will go look and make the adjustment. If i was booking every week a hotel this would be a pain and i would avoid this card. Book once every few months i dont mind the 5 mins call to get the adjustment - 10% back in points on hotels

Quote from glenstep : i have this card and its pretty decent, 1:1 credit with trave. 300 hotel credit every year + $100 in points - covers the annual fee.

You are describing the Venture X. That is not the card this thread is about.

Quote from glenstep : i They do a price match for hotels which i have to say i always need to use. Book, call say its cheaper here they will go look and make the adjustment. If i was booking every week a hotel this would be a pain and i would avoid this card. Book once every few months i dont mind the 5 mins call to get the adjustment - 10% back in points on hotels

Possibly worth noting that when booking through 3rd party portals you typically don't get your elite status with a chain recognized in various ways- the degree to which this matters or not will be YMMV based on the hotel, your status, and what (if any) benefits do pass.

Quote from njramsfan : Got denied a 2nd time for this card lol. 810+ score. 1-2% utilization rate. Guess I'll just stop trying to get this card. Lol

Sameeeee like WTH I've never been denied a card, but I was denied for this and the X.

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Quote from njguy545 : Why get a credit card with annual fees when there are plenty without the fee

Well, the idea with these cards (Venture, Venture X, Sapphire Preferred, Sapphire Reserve) is the bonus. To some people it is worth the hard credit inquiry to score $750* in points. I put the * there because if redeemed for cash it is that value, but most people will transfer those points to travel partners (airlines, hotels) at which point the value can increase by 10% sometimes 100%. 1 point on Delta and United is worth like $0.012. 1 point on American is worth like $0.013. If you use those points to book business class it generally results in $0.02/point or more.

While the fee sucks on paper, there is some value that generally negates the fee. In most cases it is the $100 global entry cost. I highly recommend anyone who flies on the regular get GE. It comes with TSA pre-check which makes check-in security very quick, and if you fly international you basically make your return US customs wait almost nothing. Now if you already have GE, well...you might want to reconsider getting the card, unless you have a family member who could use it.

I will say that for those looking to use the miles as cash back, it is a TAD bit annoying having to wait to make travel purchases to redeem it. You click the purchase and it'll tell you that you can use miles to cover the purchase. If it isn't a travel purchase it won't let you redeem.

2 years ago this card did not assess the first year fee - the $95 got assessed in the second year. Capital One changed that starting in 2022.

Can you purchase Visa/MasterCard gift cards or money orders and have them count towards the $4000 and would it be a cash advance? I'm to pay my rent or load up on cards. I don't really have much to spend 4k on in less than 3 months.

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Can these miles be used for non-travel if so at what redemption ratio and for what?

"Advertiser disclosure" will this SD ad never go away?

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Quote from glenstep : i have this card and its pretty decent, 1:1 credit with trave. 300 hotel credit every year + $100 in points - covers the annual fee. They do a price match for hotels which i have to say i always need to use. Book, call say its cheaper here they will go look and make the adjustment. If i was booking every week a hotel this would be a pain and i would avoid this card. Book once every few months i dont mind the 5 mins call to get the adjustment - 10% back in points on hotels

The card you're speaking of is the Venture X.

Got this card with the promo about 6 months ago for my trip to Japan in Jan. Got denied for the Venture X a few months ago and can't upgrade my current Venture card. Recently asked for a credit line increase but was denied. End up seeing if I would get approved thru their preapproval process but end up approving me for another Venture and the promo lol so I end up getting another. Will downgrade to Quicksilver once it's almost time to renew.

Quote from ncsujen : Bigger bonuses. Then once it's time to renew, you downgrade to a no annual fee card.

Do they do another credit pull for downgrading? Is it considered the same card or you're basically closing this card and getting another card?

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Is there a way to waive first year $95 fee?
thanks.

Quote from VTTreeklla : They don't exist but also that's not what this is as you pay $98 for trial year. There are better comparable offers with that annual fee. Pretty good deal for anyone consider VentureX for sure. Save 350 AF, same bonus value. I've heard the Capital one booking system has slim options but wonder if anyone with more experience can weigh in on that?

I have booked flight through cap1 travel. It's slick and gives comparison if you dates are flexible.

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Can we do a balance transfer and be eligible for this? Thanks

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Quote from xssfun : Can we do a balance transfer and be eligible for this? Thanks

Since this requires 4k in spend, and balance transfers are not spend, no you can't.