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Live again: Capital One Venture X: 90,000 Point SignUp Bonus
Live Again through different link:
Capital One Venture X is offering 90,000 miles after $4,000 in spend within the first three months
Here is the new link:
https://applynow.capita
$395 Annual fee, not waived for first year
https://applynow.capita
Capital One Venture X is offering 90,000 miles after $4,000 in spend within the first three months
Here is the new link:
https://applynow.capita
$395 Annual fee, not waived for first year
https://applynow.capita
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it may look like a $500 max benefit card but it is not worth 3 credit pulls. the actual value is only like $200
$395 card cost
You get:
$100 credit towards Global Entry (or TSA Precheck)
$300 travel coupon to use on Capital One Travel
UNLIMITED lounge access to Capital One lounges
90,000 points which, if redeemed against travel purchases, is worth $900. If transferred to a travel partner it is worth more.
On your card anniversary, you get the $300 coupon again, and 10,000 points (worth $100 at a minimum)
So it is a free card at that point. Yes, it necessitates spending $300 on travel at some point. So if you do NO travel whatsoever, then fine, the value isn't there. Just a single work trip will get you a flight for $300. A simple vacation in the US will get you a flight for $300. Have at it.
$395 card cost
You get:
$100 credit towards Global Entry (or TSA Precheck)
$300 travel coupon to use on Capital One Travel
UNLIMITED lounge access to Capital One lounges
90,000 points which, if redeemed against travel purchases, is worth $900. If transferred to a travel partner it is worth more.
On your card anniversary, you get the $300 coupon again, and 10,000 points (worth $100 at a minimum)
So it is a free card at that point. Yes, it necessitates spending $300 on travel at some point. So if you do NO travel whatsoever, then fine, the value isn't there. Just a single work trip will get you a flight for $300. A simple vacation in the US will get you a flight for $300. Have at it.
1. Between 10K additional points a year and $300 travel credit, there is no fee for the card.
2. But this card effectively gives you 2% on everything. 2% is not shabby - same as citi double cash. Between this and citi double cash, citi is preferable. However, I want to have high spendable limit at 2% - this card serves that purpose.
3. This card is somewhat useful to generate 5% on airfare book and 10% hotel book from the card site. I generally don't use the hotel booking but it is useful when I venture our of my preferred chain hotels.
4. Best benefit that my wife loves - free Hertz "President's circle". At effective 0$ fee, that itself is a really nice benefit.
I just attempted this. The rep was kind and tried to look into it a little, but just sort of insisted even if they elevated my request to a manager that they wouldn't change anything. Just sort of spoke like "that's how it is." Very frustrating for me since I missed the previous 90k offer by about 24 hours and this one by about 72 hours on the other end. I can see why Capitol One doesn't get a lot of credit for customer service, most companies would recognize that a customer who feels cheated out of a deal like this is going to be pretty willing to verbalize that frustration—as I am now!
1. Between 10K additional points a year and $300 travel credit, there is no fee for the card.
2. But this card effectively gives you 2% on everything. 2% is not shabby - same as citi double cash. Between this and citi double cash, citi is preferable. However, I want to have high spendable limit at 2% - this card serves that purpose.
3. This card is somewhat useful to generate 5% on airfare book and 10% hotel book from the card site. I generally don't use the hotel booking but it is useful when I venture our of my preferred chain hotels.
4. Best benefit that my wife loves - free Hertz "President's circle". At effective 0$ fee, that itself is a really nice benefit.
Now as far as this card vs the CITI card, both have their merits on the 2% front. This VX card is better on the cash back because you just get the 2%. Citi is 1% on the purchase, 1% when you pay. On top of that it's based on WHAT you pay, meaning you shouldn't redeem points for statement credit or you lose out on the amount of 1%-when-you-pay cash back you get. Citi has true merchant cash back offers, unlike Capital One. They aren't amazing but every so often a great one comes (e.g. JetBlue). Citi is a world elite MasterCard whereas the VX card is Visa. I have yet to actually find a benefit of world elite, but I'm sure some people out there value it.
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If it makes you feel better, I was in the same shoes with Chase's CSP card and I ended up dropping that card after a year because still feel like I was cheated.
Note - on the citi - you can get a credit to your bank - one time setup. Once you do that, there is no losing out on the statement credit.
All said and done - I would take the citi 2% over capitol 2% any day.
Note - on the citi - you can get a credit to your bank - one time setup. Once you do that, there is no losing out on the statement credit.
All said and done - I would take the citi 2% over capitol 2% any day.
What I am referring to is redeeming CITI points for statement credit. For the longest time I would redeem my points for statement credit and be happy. Then I read some blog post about it. Basically, by redeeming your points for statement credit, you reduce your 1%-cash-back-when-you-pay amount. Yes, it is literally splitting hairs, but i'll take the split hair with a simple button click to send the points to my bank account versus losing cash back - the bank transfer shows up after a couple days, whereas the statement credit won't be felt until the following statement on your bank account, so there is that added benefit too.
Example:
$1000 spent generates $10 in rewards. Upon paying the $1000 you generate the remaining $10 for a total of $20, or 2%. If you redeem the $10 against the $1000 and only end up paying $990, then you generate $9.90 in rewards for a total of $19.90, and you lose out on 0.1%, and your cash back is actually 1.99%. $0.10 ain't much in the thick of things. Over 12 months of $1000/mo spending, that is $1.20. At $2,000/mo, its $2.40. You get the idea. It is not much, but who loves the banks so much that you would let them scam you out of a few bucks here and there? I don't. I would like my money.
Venture is the travel card that gives you 2% cash back in miles. Any reasonable redemption through the travel partners will give you at least $0.02 per mile, which is 2X of Citi rate. I would even argue that Chase cards with 1% cash back in UR points are better than double cash for those who are traveling.
What I am referring to is redeeming CITI points for statement credit. For the longest time I would redeem my points for statement credit and be happy. Then I read some blog post about it. Basically, by redeeming your points for statement credit, you reduce your 1%-cash-back-when-you-pay amount. Yes, it is literally splitting hairs, but i'll take the split hair with a simple button click to send the points to my bank account versus losing cash back - the bank transfer shows up after a couple days, whereas the statement credit won't be felt until the following statement on your bank account, so there is that added benefit too.
Example:
$1000 spent generates $10 in rewards. Upon paying the $1000 you generate the remaining $10 for a total of $20, or 2%. If you redeem the $10 against the $1000 and only end up paying $990, then you generate $9.90 in rewards for a total of $19.90, and you lose out on 0.1%, and your cash back is actually 1.99%. $0.10 ain't much in the thick of things. Over 12 months of $1000/mo spending, that is $1.20. At $2,000/mo, its $2.40. You get the idea. It is not much, but who loves the banks so much that you would let them scam you out of a few bucks here and there? I don't. I would like my money.
Capital one is really speaking not much better - they are close enough to be dumped in the ghetto. If you think that they will do you favors, you are mistaken. There are a lot of people who lost of serious "interest" money when Capital one kept the interest rates on some of their accounts to be really low while introducing new higher yielding product. So basically, if you were loyal and you thought you picked an interest bearing account, you were taken advantage of.
I tolerate both these garbage banks for the 2% - nothing else.
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1. Between 10K additional points a year and $300 travel credit, there is no fee for the card.
2. But this card effectively gives you 2% on everything. 2% is not shabby - same as citi double cash. Between this and citi double cash, citi is preferable. However, I want to have high spendable limit at 2% - this card serves that purpose.
3. This card is somewhat useful to generate 5% on airfare book and 10% hotel book from the card site. I generally don't use the hotel booking but it is useful when I venture our of my preferred chain hotels.
4. Best benefit that my wife loves - free Hertz "President's circle". At effective 0$ fee, that itself is a really nice benefit.