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Joined Apr 2008
L5: Journeyman
> bubble2 893 Posts
116 Reputation
shyboy
09-16-2023 at 09:00 PM.
09-16-2023 at 09:00 PM.
Quote from GreenMustang5605 :
Just FYI, I just opened this card under the 90k bonus last night and still have yet to receive my $300 travel credit. I was hoping to use it immediately after opening the card, but looks like I may have to wait a bit.
not sure how you checking this.
You need to book a trip or hotel using the card portal and should see the credit next day.
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Joined Sep 2023
New User
> bubble2 2 Posts
14 Reputation
mtbdood
09-16-2023 at 09:49 PM.
09-16-2023 at 09:49 PM.
Quote from shyboy :
not sure how you checking this.
You need to book a trip or hotel using the card portal and should see the credit next day.
They changed it recently to something you need to apply manually during checkout. The credit is supposedly shown under the "my travel credit" line. They reference the change in footnote #3 on the terms page.

https://amp.cnn.com/cnn/cnn-under...dit-change
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Joined Mar 2008
L5: Journeyman
> bubble2 704 Posts
67 Reputation
willguy
09-16-2023 at 10:37 PM.
09-16-2023 at 10:37 PM.
Quote from Binar :
it's free to add authorized users ...while reserve is charging a fee
Each authorized users gets 3 more (1+2) free lounge access ...while with reserve you get only initial 2 and that's it.
This card has access to more lounges than reserve
Extra lounge access makes this card worth it in my book YMMV
So each authorized user gets 3 lounge access by themselves? What's the 1+2? Does it also includes Priority Pass? So if the authorized user is travelling with the main card holder, they'll still get the free access with the card holder?
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Last edited by willguy September 16, 2023 at 11:19 PM.
Joined Sep 2010
L7: Teacher
> bubble2 2,899 Posts
553 Reputation
tayninh
09-16-2023 at 11:59 PM.
09-16-2023 at 11:59 PM.
Anyone knows which credit bureaus they're looking at when checking for pre-approval?
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Joined Nov 2018
L4: Apprentice
> bubble2 357 Posts
38 Reputation
dealonlooker
09-17-2023 at 12:16 AM.
09-17-2023 at 12:16 AM.
Is Lounge access good for this card ?
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Joined Nov 2018
L4: Apprentice
> bubble2 357 Posts
38 Reputation
dealonlooker
09-17-2023 at 12:16 AM.
09-17-2023 at 12:16 AM.
Quote from tayninh :
Anyone knows which credit bureaus they're looking at when checking for pre-approval?
they check all
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Joined Dec 2022
New User
> bubble2 1 Posts
10 Reputation
StrongBorder1420
09-17-2023 at 12:23 AM.
09-17-2023 at 12:23 AM.
Quote from jim32190 :
If you have to question the APR of a credit card, you shouldn't be using one. It is irrelevant if you pay in full every month as you should. The value of this travel card for someone who would use it for its benefits is subjective.

I travel between the only two cities where they have the Capital One lounges which I get free access to with this card. That's the biggest reason I went with this card.
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Joined May 2010
L4: Apprentice
> bubble2 315 Posts
424 Reputation
Original Poster
eric62451
09-17-2023 at 12:24 AM.
09-17-2023 at 12:24 AM.
Quote from willguy :
So each authorized user gets 3 lounge access by themselves? What's the 1+2? Does it also includes Priority Pass? So if the authorized user is travelling with the main card holder, they'll still get the free access with the card holder?
they get the priority pass and access to the other lounges too, 1+2 means themselves + 2 guest
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Joined Dec 2007
Lets go DOGE
> bubble2 2,296 Posts
405 Reputation
TransTeam
09-17-2023 at 12:25 AM.
09-17-2023 at 12:25 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."
def worth for the 1st year.
100 TSA/Sentri credit
300 in travel credits
10x on hotel/air/car rental
you can def come out ahead

2nd year on
10k miles on anniversary
you need to use those travel credits to break even


down side.
their lounges are few and far
travel partners are iffy

good,
additonal 1 year warranty on purchases
cell phone insurrance
trip/rental car insurance/delay coverage
customer service is awesome.

Meh
luxury hotels/events/restuarents are hit and miss
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Joined Sep 2010
L7: Teacher
> bubble2 2,899 Posts
553 Reputation
tayninh
09-17-2023 at 02:58 AM.
09-17-2023 at 02:58 AM.
Got pre-aprroved but once applied, it's not instant approved. Application is being reviewed.
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Joined May 2009
Under Investigation
> bubble2 6,188 Posts
837 Reputation
SkyKing02
09-17-2023 at 07:15 AM.
09-17-2023 at 07:15 AM.
Quote from TransTeam :
def worth for the 1st year.
100 TSA/Sentri credit
300 in travel credits
10x on hotel/air/car rental
you can def come out ahead

2nd year on
10k miles on anniversary
you need to use those travel credits to break even


down side.
their lounges are few and far
travel partners are iffy

good,
additonal 1 year warranty on purchases
cell phone insurrance
trip/rental car insurance/delay coverage
customer service is awesome.

Meh
luxury hotels/events/restuarents are hit and miss

5x not 10x for air
Reply
Joined Feb 2010
is PRO
> bubble2 18,992 Posts
4,618 Reputation
Binar
09-17-2023 at 07:39 AM.
09-17-2023 at 07:39 AM.
Quote from TransTeam :
def worth for the 1st year.
100 TSA/Sentri credit
300 in travel credits
10x on hotel/air/car rental
you can def come out ahead

2nd year on
10k miles on anniversary
you need to use those travel credits to break even


down side.
their lounges are few and far
travel partners are iffy

good,
additonal 1 year warranty on purchases
cell phone insurrance
trip/rental car insurance/delay coverage
customer service is awesome.

Meh
luxury hotels/events/restuarents are hit and miss
They give you access to ALL lounges Reserves gives you plus few more..
Reply
Joined May 2010
L6: Expert
> bubble2 1,893 Posts
1,131 Reputation
nikki6kix
09-17-2023 at 07:51 AM.
09-17-2023 at 07:51 AM.
Is Cap1 still 3 hits to your credit? Its been a few years since ive had a c1 card?
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Joined Nov 2014
L4: Apprentice
> bubble2 450 Posts
61 Reputation
SamW5482
09-17-2023 at 09:06 AM.
09-17-2023 at 09:06 AM.
Quote from tayninh :
Got pre-aprroved but once applied, it's not instant approved. Application is being reviewed.

Call them and verify your identity
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Joined Oct 2012
SD for profit
> bubble2 3,485 Posts
760 Reputation
SturgeonGeneral
09-17-2023 at 09:35 AM.
09-17-2023 at 09:35 AM.
Quote from balut :
You can use the C One app, you will get a virtual card, specially that the lounge in Dallas is Capital One's own lounge. On Priority one lounges you won't be able to use Virtual numbers to sign up , you need the real card.
Not sure if you're referring to Priority Pass lounges, but just want to make clear that you can use virtual card to get in, it's in the Chase app.
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