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Joined Feb 2010
is PRO
> bubble2 18,992 Posts
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Binar
09-16-2023 at 07:07 AM.
09-16-2023 at 07:07 AM.
Quote from DogAndPony :
That's a good deal for me. The last couple of times we've flown internationally we've had longer layovers so opted for lounge access with my AMEX Platinum, but since we are a family of four I had to pay for one entry since my wife is not an AU. I'll grab this card since we travel quite a bit.
Cancel that garbage card

https://www.cnbc.com/select/amex-...s-changes/

https://thepointsguy.com/news/del...s-changes/
2
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Joined Sep 2008
L10: Grand Master
> bubble2 7,489 Posts
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DogAndPony
09-16-2023 at 07:09 AM.
09-16-2023 at 07:09 AM.
I rarely fly Delta. I'm out of DFW so usually fly AA or SWA. I probably will cancel at renewal though. A lot of the benefits (uber credit, saks credit, high end hotel credit, etc.) I only use because they are offered and otherwise wouldn't use Uber or buy from Saks or stay at one of these higher end hotels. Probably canceling the Plat and going long term with Reserve once I'm eligible for the sign up bonus (opened Preferred earlier this year).
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Joined Feb 2010
is PRO
> bubble2 18,992 Posts
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Binar
09-16-2023 at 07:13 AM.
09-16-2023 at 07:13 AM.
Quote from DogAndPony :
I rarely fly Delta. I'm out of DFW so usually fly AA or SWA. I probably will cancel at renewal though. A lot of the benefits (uber credit, saks credit, high end hotel credit, etc.) I only use because they are offered and otherwise wouldn't use Uber or buy from Saks or stay at one of these higher end hotels. Probably canceling the Plat and going long term with Reserve once I'm eligible for the sign up bonus (opened Preferred earlier this year).
Reserve is aight ..been having it for 10 years. $300 travel bonus helps with the card annual fee . Extra point conversion is appealing as well. I mostly use it for lounges and Capital one offers more access as I said. I might finally downgrade my reserve to some no fee tier and use VentureX for travel only
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Joined Sep 2008
L10: Grand Master
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DogAndPony
09-16-2023 at 07:15 AM.
09-16-2023 at 07:15 AM.
Instantly approved. There is a Capital One lounge in the DFW airport so I'll look forward to checking that out the next time I fly. I actually fly out tomorrow, but guessing I won't be able to use it since I won't have my card by then.

Centurioun lounge has gone to crap. So overcrowded now. And oftentimes long waits to get in. Forget about trying to go to the one in Vegas. There is always a long line...and it's not even a nice lounge!
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Joined Feb 2010
is PRO
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09-16-2023 at 07:18 AM.
09-16-2023 at 07:18 AM.
Quote from DogAndPony :
Instantly approved. There is a Capital One lounge in the DFW airport so I'll look forward to checking that out the next time I fly. I actually fly out tomorrow, but guessing I won't be able to use it since I won't have my card by then.

Centurioun lounge has gone to crap. So overcrowded now. And oftentimes long waits to get in. Forget about trying to go to the one in Vegas. There is always a long line...and it's not even a nice lounge!
grats..if capital one is known for something is how slow they are to send the new card out
Best lounges are outside the US..
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Joined Mar 2006
L2: Beginner
> bubble2 287 Posts
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TooLat3
09-16-2023 at 07:45 AM.
09-16-2023 at 07:45 AM.
What's the expiration date?
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Joined Apr 2020
L6: Expert
> bubble2 1,359 Posts
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indelible
09-16-2023 at 07:58 AM.
09-16-2023 at 07:58 AM.
Quote from vegsmashed :
Is it worth the 395 annual fee? Even the APR is pretty awful.

"
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases and Transfers 21.99%, 25.99% or 28.99%, based on your creditworthiness.
This APR will vary with the market based on the Prime Rate."

Nobody opens a card for a "good" apr other than 0%
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Joined Feb 2007
Gold Bar Hunter
> bubble2 259 Posts
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kobe4sho
09-16-2023 at 08:32 AM.
09-16-2023 at 08:32 AM.
Quote from vegsmashed :
Is it worth the 395 annual fee? Even the APR is pretty awful.

"
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases and Transfers 21.99%, 25.99% or 28.99%, based on your creditworthiness.
This APR will vary with the market based on the Prime Rate."
Why you even look at the APR, if you have no mean of paying off the balance every month, you should not get this premium card.
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Joined Feb 2005
L3: Novice
> bubble2 158 Posts
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sarfraz
09-16-2023 at 09:25 AM.
09-16-2023 at 09:25 AM.
Quote from finnerson :
Taking into account that you receive a $300 travel credit and 10,000 points annually, you come out even with just those two.

How does 300 credit card work? Is it same as Chase reserve card credit which immediately posts credit for travel expenses like toll, hotel, and airline bookings with any merchant like priceline.....?
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Joined Nov 2005
Get You Foo On!
> bubble2 666 Posts
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bugsy714
09-16-2023 at 09:33 AM.
09-16-2023 at 09:33 AM.
What is the value of these points?
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Joined Nov 2010
L5: Journeyman
> bubble2 783 Posts
260 Reputation
Spurts06_june
09-16-2023 at 09:44 AM.
09-16-2023 at 09:44 AM.
Quote from Slimeyface :
Wow, how many lines of credit do you have that it doesn't hurt to close an account?

15 cards and counting. I am a churner. 820> credit score.
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Joined Nov 2010
L5: Journeyman
> bubble2 783 Posts
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Spurts06_june
09-16-2023 at 09:45 AM.
09-16-2023 at 09:45 AM.
Quote from WiseClover328 :
Do they not allow downgrades?

They did to the Venture One but I already booked out some upcoming hotel trips to use the miles I accrued.
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Joined Nov 2012
L5: Journeyman
> bubble2 563 Posts
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SnaH3577
09-16-2023 at 09:50 AM.
09-16-2023 at 09:50 AM.
Quote from Pravianti :
Careful with this.
The $300 travel credit may sound impressive, but you have to use it by booking with their third party travel agency.

Anyone who has traveled a lot knows that this is just asking for trouble!
If there are any flight irregularities, you're generally screwed, because the airline basically tells you to GFY and deal with the travel agency where you bought the ticket, and the travel agency reps in who-knows-where are often just not empowered to actually help you rebook.

And for third party hotel bookings, they're a bit less risky, but you also generally forfeit any hotel points and status benefits.

So in the end, friends generally don't let friends book travel with agencies, making this card not that great of a deal unfortunately.
This is not true to my personal experience. When booking through credit card portal, the credit card agent always makes it right for me, Chase or Capital One. Vs other 3rd party like price line. When the prices are the same between direct vs credit card portal, I always book credit card portal because the earning multiple is always higher. When there is an issue with the booking, the portal agent also have all the information needed. You can still call the credit card for assistance if you book direct. but you have to provide all the booking information, more hassle IMO.
1
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Joined Mar 2016
L4: Apprentice
> bubble2 323 Posts
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DavidL8545
09-16-2023 at 09:53 AM.
09-16-2023 at 09:53 AM.
Quote from lester78 :
Here's the Venture X preapproval tool: https://www.capitalone.com/credit...venture-x/ [capitalone.com]
thats for the 75K sign up.
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Joined Mar 2013
L7: Teacher
> bubble2 2,049 Posts
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LamePeopleBlame
09-16-2023 at 10:01 AM.
09-16-2023 at 10:01 AM.
Between this and Amex Plat which one to choose? I don't travel more than 2-3 times a year and not interested in Walmart+
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