Why You SHOULDN’T Get The Capital One Venture Card

Filed Under: Advice, Capital One
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Perhaps the single most impressively marketed travel rewards credit card is the Capital One Venture Card.

We’ve all seen the ads, which have some big name stars in them. Like Alec Baldwin:

Which brings me to a question that reader Stav9678 asked in the “Ask Lucky” forum:

I read all of your recommendations about the credit cards for travel and the everyday credit cards. I read about the CapitalOne Venture card that you get 2 miles for every dollar you spend on purchases not just on certain categories, rewards never expire, you can redeem your miles for travel, shopping, etc. but what really stands out to me is that you can redeem them for cash and purchase whatever you want. You get a welcome bonus after spending $3,000 on purchases in the first 3 months, no foreign transaction fees, etc. I would like to get your thoughts on this card please.

It’s a great question, because Stav9678 isn’t the only one who thinks this card sounds compelling. On one hand it amazes me how many people have the card, though I guess it’s not surprising given how brilliantly they market it. Not only does Capital One have big stars in the commercials, but more importantly they market two things which consumers respond really well to:

  • No blackout dates
  • Double miles

Who wouldn’t want double miles and no blackout dates?!?

Well, if it means earning double miles and no blackout dates through the Capital One Venture Card, previously you could have counted me out. Because as usual, when something sounds too good to be true, it usually is.

But this has all changed with the introduction of Capital One’s new mileage transfer benefit:

Basics of the Capital One Venture Card

I won’t get into the minutiae of the card, though let’s talk about the basics:

  • Welcome bonus: 50,000 miles after spending $3,000 within three months (recently increased from 40,000)
  • Annual fee: $0 intro for first year; $95 after that
  • Rewards structure: double miles on all purchases

A 50,000 mile welcome bonus, $95 annual fee (waived the first year), and double miles on all purchases sounds great in theory.

The catch historically is that each mile could be redeemed at most for one cent towards the cost of a travel purchase:

  • To get the one cent per mile value, you can only redeem for travel purchases, and you have to do so in minimum increments of 2,500 miles
  • If you redeem miles for anything other than travel, you’ll get a lower redemption value than one cent per mile

But now you can transfer to those miles to over a dozen airline partners, and there are some great ways to get outsized value for your miles!

How could you turn down 2x miles?!?

This is the thing I get asked about most often regarding the Capital One Venture Card — “this card offers double miles while others offer only one mile per dollar… how can I turn down double miles?!?”

First of all, not all miles are created equal. 55,000 American miles is enough for a one-way Cathay Pacific business class ticket between the US and Asia. 55,000 Capital One miles is enough for up to $550 in travel if used through the Purchase Eraser option, or you could transfer them to airline partners at up to a 1:1.5x ratio.

Even among “traditional” miles, their values vary considerably.

So saying you earn 2x miles per dollar spent is sort of useless without context. They could also make each mile worth 0.1 cents each, and then claim the card offers 20x miles per dollar spent.

Rather than viewing the Capital One Venture Card as a card which accrues double miles, I’d suggest thinking about it slightly differently. If you’re using Purchase Eraser, it’s essentially a 2% cash back card, with the catch that you can only redeem the cash back towards travel at that rate. If you’re planning on transferring to partners, you’re basically getting 1.5x airline miles per dollar spent. And that’s actually a great return for everyday, un-bonused spend! But it’s important to note the distinction.

If it’s cash back you’re after…

If it’s cash back you’re after, you’re much better off with something like the Citi® Double Cash Card. It has no annual fee and offers 1% cash back on every purchase, and then an additional 1% cash back when you pay for those purchases. That’s a return of 2%, all things considered.

Except unlike the Capital One Venture Card, the rewards earned on the Citi® Double Cash Card can be spent on anything, and not just travel. And that’s for a no annual fee card!

Now the thing worth noting is that the Citi® Double Cash Card doesn’t have a sign-up bonus, while the Capital One Venture Card offers a nice bonus upon completing minimum spend.

Bottom line

Don’t get me wrong, the Capital One Venture Card isn’t horrible. It’s a solid enough card, and with a certain type of spend profile and the new mileage transfer option, it is actually a very well-rounded card for many people. That being said:

  • If it’s truly cash back you’re after, you’re better off with something like the Citi® Double Cash Card, which offers a flat 2% cash back with no annual fee — no need to redeem specifically for travel, pay an annual fee, etc.
  • If you want to use miles in the “traditional” sense, keep in mind that you’re earning up to 1.5x airline miles on all spend with the Venture — for some categories it may make sense to look at a card that earns 3x, 4x, or even 5x instead

But kudos to the folks at Capital One for their marketing!

Does anyone have a different take than I do on the Capital One Venture Card?

Regarding Comments: The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.
  1. It’s about to be much better than Arrival+, but it doesn’t pay a hefty signup commission, so I’m sure bloggers will overlook it.

  2. Hang on, let me see if I understand the premise of this post…….A sign up bonus worth $400 off any travel expense (uber, boutique hotels, trains, discount airfare carriers, etc.) isn’t worth getting because it’s a HP from all 3 bureaus? But the Citi Double Cash is worth getting with NO sign-up bonus because it’s only a pull from 1 bureau? How much do you value your HPs at again, Lucky? This post is pure trash.

  3. @ rick b — And that’s why I didn’t mention the Barclaycard Arrival Plus, because I think with the changes it doesn’t have the edge anymore. I’d be much more inclined to go with the Citi Double Cash Card at this point.

  4. @ ODB — To clarify, I’m not saying the card isn’t worth getting. Some will find it worthwhile to pick up the card for the sign-up bonus. But I’m saying beyond the sign-up bonus there’s no reason to put spend on the card. If you wanted a long term cash back card, the Citi Double Cash Card is simply more rewarding. So you can get them both, they’re not mutually exclusive. I just don’t see the benefit of the Capital One Venture Card once you’ve earned the sign-up bonus.

  5. Excellent analysis Lucky. This is the first really high-quality post I’ve read since the press saga. I’m glad to see you’re back in business and am really looking forward to your posts going back to normal. Can you please take down the Welcome to One Mile at a Time post at the top? It’s been there for over 2 weeks now.
    On Capital One, I always tell people it’s not a mile but rather a wanna-be mile equivalent to one cent with no way of getting outsize rewards, as we all seek to do in this hobby.

  6. Except for the 3 hard pulls, it is basically the same as Barclay’s Arrival. $400 sign up bonus, don’t use the card after that.

  7. @Lucky – This post should be titled “Why you should NOT SPEND on the Capital One Venture”, then. This post has no value other than to promote and link (4 times) the Double Cash. Come on, man.

  8. For slightly experienced FF travelers, this post is a no brainier and I get why some people are upset with it. Though with the recently traffic to this site, this post makes sense. I will go out with friends who are trying to get into the travel game and explain how things work, when inevitably one will say, “But I have 200,000 BoA points (or insert Capital One points, Barlcay’s points, etc).” It’s hard for people at first to get the concept that all miles are not the same. That those miles are worth less than FF miles.

    It gets even more challenging after that explaining that airline miles are not equal between the different programs also, and that really gets them confused.

  9. @Lucky – While I generally agree with you analysis here, you did push the Arrival Plus card pretty hard back in the day, and that card is pretty similar to this (“double miles” towards travel, burn in $25 increments, no foreign transaction fee). Yes it doesn’t have the 10% back, but the annual fee is lower.

  10. I really don’t understand why the love for the old Barclays arrival plus and hate for capital one venture card. It’s basically the same product minus the 10% that you used to get with the arrival plus.

  11. I think one major point you didn’t mention Ben is that this is a pretty solid 2% cash back card for one reason: the ability to ‘erase’ or redeem points for travel purchases can be used over and over on the same purchase.

    So if you have a $100 flight purchase, you can redeem the points for that purchase to get the statement credit. A week later say you want another statement credit but didn’t make anymore travel purchases, you could just go back and redeem the points for that same travel purchase you redeemed for a week earlier.

    So it’s not as restrictive of a card as you make it out to be. All one needs is one travel purchase to redeem the points for over and over, essentially making this a 2% back card.

  12. @ Chase — And I’m not suggesting redeeming points is restrictive, but rather that a straight 2% cash back on a no annual fee card seems better than having to play games to get cash back on a card with an annual fee. Agree with everything you say.

  13. This post is garbage. This card comes with effectively $460 sign up bonus. Which is similar to Barclays Arrival+.

    You should have kept it simple: this card requires 3 hard pulls – buyer beware. No need to write a long article with questionable reasons to trash the card.

  14. @ Alex — Two reasons: the Citi Double Cash Card is new, while the Barclaycard Arrival Plus is 10% more rewarding, which does make a difference, especially with a side-by-side comparison.

    Yes, there’s the Fidelity AmEx, but AmEx doesn’t have quite the acceptance of Visa/MasterCard, and that requires opening a Fidelity account. Ultimately these are all somewhat marginal discussions, though here we have a pretty clear side-by-side comparison between two cards.

  15. @ Max — The sign-up bonus is $400 and requires three hard pulls. Calling it $460 is a stretch, as surely there’s an opportunity cost to those $3,000 spent. If that’s worth it to you, I totally get it. But putting spend on the card beyond that seems silly when there are better options.

  16. some people r so biased against bloggers that make money… it is very simple ANY card that converts so called miles back into anything else is not worth while to get… only miles that convert 1:1 to actual airline miles are worth something….

    because undoubtedly when they do that, they do it to mask the fact that is it crap… so…that is what you end up getting..

    so whenever I see travel cards or cards that get points.. I ask to see the actual redemption pages…..

  17. @ODB Why do you bother reading or commenting if you’re going to be negative? No one is forcing you to come to this blog or read his posts. You’re not paying to read his blog and you dont have to use the links here to sign up for cards. You can already tell from the title of the post that the content is going to be credit card related and not a trip report so you can skip it if you wish.

    If you think he’s wasting your time with these posts, aren’t you wasting more of your own time by paying more attention to it?

    @Lucky You’ve got some great info in here and it’ll help a great deal of people. Thanks!

  18. Interesting how the Fidelity 2% back card isn’t discussed in this post. Probably doesn’t pay a commission either. It’s actually greater than 2% back if you use it for certain airfare.

  19. @David W – I forgot the comment section was only here for people to suck Lucky’s balls when he posts things that are misleading and directly in HIS benefit. This post is misleading and detrimental to the loads of newbies that have recently started reading his blog due to his media blitz.

    If you disagree with people having opinions wouldn’t you be better served to stop browsing the internet and move to North Korea?

  20. If the post was about how you shouldn’t SPEND on the Venture, that’s one thing. The post’s title and premise is that the card isn’t worth getting and you should instead get the card that benefits Lucky with a commission. Notice the Fidelity card wasn’t mentioned and the $400 sign-up bonus was discounted as not worth the hard pull.

  21. “We’ve all seen the ads, which have some big name stars in them. Like Alec Baldwin:”

    IMO, this, by itself, is a major reason to not get the card. 😀

  22. Another factor is quality of customer service. Historically, Chase and Citi have had far better customer service than Cap One (with their infamous “a supervisor will call you back in an hour” call that never comes). (Not sure whether Cap One has improved their customer service recently.)

  23. Hi Lucky,

    Thanks for this post. As one of the folks who bought it (I’m new to the Hobby) which is your suggestion for people like me ? I wanna get rid of this card and get the Chase Sapphire Preferred Card but I’m afraid it may damage my credit. Should I wait one year (and possibly try to spend my miles) or is not a big deal closing it soon?

  24. I had this card a while back when they offered to double any points you earned on a competitor’s card as your signup bonus, up to $1000. That was a nice deal and helped me assemble a long weekend at Atlantis in the Bahamas. When the annual fee came around I called in to downgrade and they insisted that the only way I could avoid paying the annual fee was to cancel the account. The rep actually told me that the fee was necessary for the card member year that I had just completed, lol! I said thank you very much , and cancelled the account and have no more interest in doing business with Capital One.

    The one nice thing about this card was that anything could be considered a travel expense if you were travelling when it occurred. Even meals and such, so it was much easier to redeem the points when compared to the Barclaycard which has specific “travel” categories.

  25. I’m glad this was posted as this is an important reminder to all the new people that all miles/points/etc. are not created equal.

  26. It’s pretty sad that all the airlines are changing their programs to basically emulate what this card provides.

  27. sorry, Ben, but this reads as a trash the non affiliate card push all miles related cards post with flawed logic to lead to affiliate links. i’m not against bloggers making money- just do it less lamely than this post.

    the ONLY reason i don’t have this card is the 3 hard pulls. everything else you said is nonsense. you have to diversify spend- that would be the purpose of this card. when you’re qualifying for status, you need to BUY tickets. this card is better than the arrival now for that.

    as for the citi double cash- i have it. however, someone has to spend $20,000 on that card to equal the venture card the first year. for legitimate spend, that’s a TON of spend. and, of course, if you had put that $20,000 on the venture, you’d STILL be $400 ahead of the citi 2x cash. your argument only holds water to the point where the citi card surpasses the venture. $400/$59 per year fee= nearly SEVEN YEARS.

    stick with hello kitty and justifying 1st class based upon the champagne menu. math is not your strong suit.

  28. Sorry Lucky, after all these years I finally disagree. These points are best redeemed for travel, but do you know how C1 defines travel.” anytime your not in your home town”so when your out of town everything is travel. A 6 pack at 7/11 or dinner at Wendy’s or even a t shirt.

  29. Capital One’s claim of “2X miles on every purchase” is a distortion. Since when, in the English language, does the word “mile” equal the meaning of “cent”? It doesn’t, and never has. Why not advertise “2X airplanes” and then explain, in the fine print that “airplanes” have a value of one cent each?

    Capital One is offering 2 cents (towards travel expenses only) for every dollar you spend. But, by calling them miles, Capital One injects confusion and, therefore, purposely preys on the uninformed. Where is the FCC or the FTC or some other governmental entity doing on this blatant misrepresentation? Not much, it would seem.

  30. Whew, you opened one up with this one. May I point out that your comment “and you have to do so in minimum increments of 2,500 miles” is incorrect. I just used 4300 points for a car rental. For travel at least you can offset the exact expenditure whatever the amount.

    Secondly you state that the value is 1cent per point. While technically that is true you get 2 points for each dollar of spend so in my mind, for a given amount of spend on the card, you actually get 2cents worth of benefit from each $100 of spend or 2cents worth.

  31. From another Tom.

    One point that’s sort of missed above is that most people in the “game” who have the Double Cash, according to my understanding, get it through a conversion from some other Citi card — which is how I got mine. So no hard pulls. And no fees either.

  32. @Tom (or anyone else)

    Does converting a card like that make it a “new card”? My first card was Citi Forward (never use it now). Obviously I want to keep the history of it, so would that history stay if I converted it to Double Cash?

    Thanks my man.

  33. This is why I read Flyertalk for credit card analyses and advice. This post doesn’t even mention the Amex Fidelity card, which as an above commenter mentions can be more valuable than even 2% CB. I understand it doesn’t pay a commission, but I think your new readers would welcome a less biased evaluation of options.

    You’ve written many articles in support of the Arrival card and that was virtually identical to this card before being gutted so it’s not fair for you to trash a card to promote your paid links.

  34. The other part they don’t tell you that I learned the hard way is that if you book a miles reward ticket and you can’t go, unlike airlines who will refund your miles back to your account, Capital One said “tough cookies” and I lost them altogether. Horrible I’m switching cards ASAP.

  35. Citi doublecash and Fidelity Amex have foreign transaction fees, so once the dust settles and Arrival+ changes propagate to everyone, the Capital One cards will be best ones left standing for 2x across the board.

    Presumably, the audience of this blog also should be paying almost nothing for airfare and living the Lucky dream so 3x on airfare on some of the other cards will add up to very little.

  36. I mentioned this in a previous post but Lucky didn’t respond so I guess I’ll say it again:

    1. Capital One will win out if you incur $59.01 in foreign transaction fees every year (or $2,950.50 in foreign transaction spend) with spend on the Citi Double Cash.

    2. The $400 sign-up bonus will cover a generous 6.78 years worth of annual fees even if there is no foreign spend. Those of us in the hobby know that about after two years the hard pulls start to fall off so the hard pulls are a pretty weak argument IMO.

    I personally have the Citi Double Cash and use it the way Lucky describes. However, I think it’s very disingenuous to say Capital One doesn’t have a role in the hobby.

  37. if i had extra $3000 disposable income to spend, i would be applying for AMEX every day preferred, not this loser card.

  38. I’m bookmarking this for the future. As someone playing the game for a year now, I know all this, but the examples are perfect for explaining to newbies why Cashback can’t compare to miles.
    For all the whiney babies complaining, two thoughts:
    1. Until recent gutting, arrival was way better than cap.1 (I have both, btw). and,
    2. If you aren’t after aspirational trips in F, why on earth do you read this blog?! That’s what sets Lucky’s blog apart from the others.

  39. I just got the Capital Venture One, and believe me here there is a little bit of confusion. Capital One is offering two different cards:
    Capital Venture and Capital Venture one.
    The Capital Venture offer what you said, and after a year you pay the annual fee $59.
    The Capital Venture One offer you: Earn unlimited 1.25 miles per dollar on every purchase. Plus, earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months*. 0% intro APR until July 2016 and $0 annual fee. The card offer you also Special Discount, Travel upgrade, Extended warranty, Fraud coverage, no foreign transaction fee and the Credit Tracker.
    I know that the Capital One’s miles are different but you can also redeem for cash back and for gift card, also you have special on the hotel. The Amex Premier rewards, after the first year is $195 fee and the Amex every day preferred is $95. Also,I travel a lot in Italy, Amex is not accepted everywhere. The city thank you premier card fee is free for the first year then $95, the citi Sapphire preferred card fee is $59 after the first year. You can use the miles only with some Airlines so the bad thing is for someone who wants more flexible travel booking options so someone who isn’t a big spender. So it is not so easy to choose. I’m happy with this card for now.

  40. I have had the Cap 1 Venture card for 2 years and very happy with redemption for travel expenses at 2X I still believe it is a great card and used the sign up bonus but will look at the Citi card. It is troubling this blog will dismiss a card without thourough comparison. We like the comments to find the best deal as we a new and my wife and I are examining all options between us as we sign up separately.

  41. I agree wit JR. As I’ve gotten more into the Game/Hobby my Capital One Card is on my cut list, but the no travel fees and the simple 2% cash back structure (that is essentially what it is since more than 2% of my spend is on stuff they consider travel) really isn’t bad. It’s just as disingeuous to suggest that my Cathay Pacific flight is actually worth 16K to me…It isn’t, If you travel abroad and want no hassle Cap1 delivers on its brand promise $400 in real value (not some way distorted by the value of an F ticket) really isn’t bad.

  42. @Abby. Math or spelling for that matter aren’t your strong points either. Leave it to someone who knows.

  43. Don’t u people have more to do in your lives like spending time with family or friends than to argue on this blog. Not everything is for everybody. Get lives folks!

  44. @rj… for someone telling people to get a life, ahem, you singled out my spelling and math and there are no errors of either in my post. before you go shining Ben’s ____ consult a dictionary/arithmetic primer.

    as to ‘not everything is for everybody’… reading comprehension… not your strong suit. BEN’s premise is that this card is for nobody. the comments take him to task because he’s not only wrong, it’s such an obvious clickbait/sales job that it offends the readers’ intellect. talking to your readers like they’re all fresh off the rolling stone turnip truck is offensive to those of us who are veterans in this game. Ben wrote this post as if his audience were 5 year olds.

    lighten up, Francis.

  45. I think the premise of the article is spot on but title and advice is misleading and wrong imo. 3 hps, who gives a crap? You get $460 in tax free cash money baby. The travel spend caveat is barely a caveat considering even people who rarely travel do so once or twice a year.

    The article should have read sign up for this card, get the bonus, put your normal spend elsewhere. And I do believe there is a huge bias against this card bc there’s no referral fee. But I don’t really see a problem with that. I wouldn’t promote this card either if they didn’t pay me anything Haha.

    I will say out of 50 cards or so over past years, this cap one venture is the only one I’ve ever been denied for Haha.

  46. Adam D. – when you book a ticket with Cap One points, Cap One’s travel agent actually purchases a non-refundable REVENUE ticket for you. So they can’t simply cancel the ticket and get their money back. What you can do is contact the airline directly prior to travel and make changes/reuse the ticket value by paying the change fee ($200 for domestic fares on the majors). (Did Cap One advise you of this? If not, shame on them – another example of their sub-par customer service.)

    (The upside is that with Cap One tickets you earn redeemable and status miles.)

  47. Completely agree when looking at it as a pure mileage card. I’ve made the same realization in time. Where I do see some convenience (not sure if it’s value yet) is in using the points to simply “erase” the purchases of boutique hotels, or something like a Disney resort, or even a cruise if you can accumulate enough. I also charge some business travel to it so I get a lot of “free” points that offsets some of the point to purchase problems I have with it. I have other cards that give more value in traditional ways so it’s just a convenient nice-to-have.

  48. I agree with the people who say this article is pure clickbait crap. I have zero complaints with my Cap1 Venture Rewards and would be more than happy to recommend it. First positive for me is that Capital One has given a higher credit limit than all other credit cards I have right now (4 Chase, 2 Amex, 2 BofA, 1 U.S. Bank, and 3 Citi). The two times that I have had to deal with customer service, the people were friendly and I could understand what they were saying (unlike Amex). Three hard pulls ? Big deal.

    Finally, for those of us who like to MS, Capital One is the company that is LEAST likely to close your account for “perk abuse.”

  49. I’d love to get a response from you on the PF Digest post below, Lucky. I’ve always considered you to be fairly honorable about the way you handle your affiliate links, but your post above really struck a chord with me. PFDigest sums up my (and presumably a lot of your readers’) concerns below… would love to hear your response, even if it’s just a quick mea culpa. Everyone makes mistakes and it seems that your affiliate relationships clouded your judgement in this instance.


  50. Folks should also check out the Capital One Spark business card. Straight 2x cashback (not “miles”) and $500 signup bonus. And no foreign transaction fee.

    How will “Lucky” talk smack about this one with a straight face?

  51. One thing to note is that with the Citi Double Cash your purchases must post to your statement to receive the other 1%….

    For people who pay down their balances before statements to control utilization, or those who cycle credit limits >1 in a month…This makes it a big loser.

  52. @Bob – FALSE! You can pay as soon as charge posts and it’ll get extra 1% once statement closes. Please don’t post if you haven’t confirmed it yourself.

  53. First thank you very much for responding to my post Lucky. I read through the Beginners Guide To Miles & Points and I remember you saying you would sign up for many cards just to get the Sign up Bonuses and you did mention as well that applying for credit cards your credit score takes a 2 points hit but it drops of after 2yr. I said what I just said cause you make it sounds like 2 points over 2 years is not a big deal but I do see 3 pulls I would assume that’s 2 points each of your credit score.

    I wasn’t looking at the Value of a point until someone did in my post and it makes sense. I looked at the Venture card meanly for the sign up bonus and whatever other perks that comes with it. It also says Travel Upgrades & Savings and it says on Hotels, Spas, etc but it do no say airline so I’m guessing only hotels and so forth.

    I will take a look at each card you listed and again thank you so much for responding.

  54. Well you asked our take on this card. Definitely worth the $400 even with 3hp. As for all the links for Citi, not necessary. Brings you down a notch for sure.

  55. Maybe everyone knows this or nobody cares, but capitalone is only allowing at least some types of consolidation of points until sep 15–at least for my old no hassles card (which is 2/$ and no annual fee, so better than venture one?) and my ‘regular’ venture card–which I got for the signup bonus. I consolidates yesterday–website doesn’t work (they freely admit on phone) and so u need to call. New to this blog and really enjoying it.

  56. @Lucky
    I was in the process of applying for the CapitalOne Venture card until I saw your post. I’m a bit confused, though, on how to tell which credit cards offer “traditional” miles and which don’t. Can you or someone else help me understand please? Thank you.

  57. I just want to add that the FX rate is a lot higher for Venture card than Chase.

    In May, when I landed an airport outside US, I tried use my Chase credit card for neck pillow. Then, my boyfriend also wanted neck pillow so I got him same pillow using Venture card. I didn’t realize until later that how unfavorable FX rate for venture card and I stop using it.

  58. I did not need minimum of 2500 points to redeem my various Uber purchases, and unlike Barclay Arrival+ World Elite (.5:1 for cash/gift card redemption), I can redeem the Venture points for gift cards on a 1:1 ratio–which is a backward 1:1 cash (if you purchase items with gift cards, then return the purchase for cash credit)–plus I got my 40K bonus points (46,000 after fulfilling the purchase requirement).

    Barclay’s new RewardsBoost is terrible–it never logs my “Twitter” or “mobile app” logons, and what a bore to log in and post tweets/retweets–just terrible. Plus, Barclay’s new rewards redemption scheme has me considering downgrading to their no-annual fee version. I may downgrade to the CapitalOne Venture One version that is also no-fee after the year is up, and I keep Citi Thankyou Premier and Chase Sapphire around for their opportunity of 1:1 mile redemption to various airline partners.

    I get what you are saying in your article, and thanks for listing the cards that can transfer their points to their airline partners, but keep in mind, your reader might be more consumer-savvy–or not, I have been told that I tend to be naively optimistic. In other words, Venture’s bonus + their ability for 1:1 gift card redemption and ability to redeem 1:1 travel credit without a minimum to me would make it better than Citi double cash if one wanted a strictly “cashback” card.

  59. I have this card and over all I am very pleased with it. I do agree with some of what is said here, the value for your points is minimal. HOWEVER, IF you spend alot per month on this card and can get the miles, they will work for you. For example, I just booked 4 nights in Vegas and used some of my points to pay for the hotel. I got a super deal on the flight myself without using my points, BUT I earned points when I purchased my flight. I am planning a trip to Hawaii in 2017 and according to my calculations, I should have enough points to pay for either the flight or my hotel stay. Either of which is fine with me. I am getting these travel perks for simply spending money and using this card to pay for my purchases. Purchases that I make regardless. I am not after cash back, for now I want the travel perks. As for the 40k bonus miles, well that paid for a hotel stay for one of my vacations… a $500 value. It’s really on in how you look at it. The bottom line here for me is that for the cost of the annual fee, I get numerous hotel stays and some flights at no cost to me per year.

  60. I’m a little confused here as well. I’m new to the travel rewards hobby and I conducted (what I thought was) plenty of research before applying for the Capital One Venture card. Now, I’m second guessing myself and looking back into the competing card–the chase sapphire preferred. But isn’t the Chase the same as the Capital One Venture in terms of points? One point (“mile”) equals 1 cent for both cards. If you book through the Chase Rewards site, it can be worth 1.25 cents, but they’re both translated to cents instead of traditional miles. The only way to get traditional miles through Chase is by transferring them to their 3 or 4 different partner airlines (i.e British, united, southwest, etc.), correct? If you don’t want to be tied down to one airline (or 3/4), is there a better option to gain traditional points?

  61. First time freezing my experian, I have 9 cards open, 7 this year, applied for venture, spark cash, and spark miles on 2 computers, 1 computer incognito and normal. First app was venture, it processed for a while and I was denied. 2nd was spark cash, instant approval. 3rd was spark miles, instant denial. same info on both apps for business. I have a venture -one currently open so maybe theres credence to cap1 only allowing 2 cards or maybe they dont approve 2 business cards. Just unfroze my experian, it was free to freeze and unfreeze, I live in IL so am suprised there wasnt a $10 fee. After the cap1 decisions I applied for bofa travel rewards card a few minutes after unfreezing experian…pending outcome, next day approval through email, no phone interview.

    I then received 2 emails as to why I was denied for both applications. First letter explained, too many new accounts on transunion, not enough balance on equifax.

    Second letter explained denial due to a new processed account with capital one.

  62. Wow–great explanation of how Capital One’s “miles” are no such thing…Think much of the public is unaware of this….

  63. I have to say, I was quite disappointed when reading this post. Not because you’re wrong, but because I absolutely love my Venture card and what you said has made me question that and consider investigating for a new card, so kudos for, to me, a thought-provoking post. I also think, possible so I feel better, it is worth mentioning Capital One’s great customer service. That’s wprth something. Anyhow, thank you for a very eye-opening post.

  64. On the Citi Double Cash card, do you earn the additional 1% at redemption just on the amount redeemed? Or on the total balance you carried on the card to earn that initial redemption amount? I’m guessing it is the former, as that is how my other cashback cards have worked, and if so your math is wrong. If you earn an additional 1% on the amount you redeemed then you earn an additional 1% on 1%= .01*1.01= 1.01% total cashback.

  65. He has missed the analysis here. Perhaps on purpose, perhaps not (see link at bottom).

    You get 2% “cash back” on the Capital One Venture card as long as you redeem your points through the Travel expense “purchase eraser.” Ok so it’s a statement credit, not cash back, but at the end of the month, what’s the difference? I am always running out of point because there are so many “travel-related” expenses on my statements, and since points never expire, you can always use them on that one big annual vacation (if you don’t travel regularly).

    Here’s the problem with Citi Double Cash, it has foreign transaction fees! Stay in the US, and I would use it, but if you travel overseas like me, they both give 2% “cash back” and I don’t have to juggle two cards to avoid foreign transaction fees. Unless you just don’t travel much, then you’re better with Citi Double Cash. Even gas would probably add up though since it’s a travel expense. Love me some Capital One Venture, just sayin’.

  66. I don’t understand the hate for the Venture yet love for the Arrival by the same author..makes no sense. They are virtually identical cards, and neither of them (IMO) makes any sense long term unless you are going to have huge foreign transaction fees in which case maybe the Venture is worth having. But in the end, I don’t see why anyone wants restricted 2% cash back over unrestricted 2% (like with a Double Cash).

  67. Kevin, the reason why bloggers don’t like Capital One is because they don’t receive any commissions for clicking on their links. Look into the travel/ credit card blogosphere and see if you can find any of the bloggers promoting the Venture Card. I dare you.

    I’m with you – I like my Capital One card, I haven’t had any problems with their customer service line, their app and web interface is easy to use, and the $0 foreign transaction fee is a bonus.

  68. I disagree. The Venture is an excellent card. You get 2 points to use on any travel option you can imagine, and you’re not stuck with any particular airline or hotel chain, and you’re not stuck with ‘luxury’ options.

    Plus it gives higher credit limits than other cards, it usually offers me a choice of fee-free or interest-free balance transfers, it’s an esthetically beautiful card, it gives you a 1-point cash redemption option, and it’s a pleasant no hassle bank which treats you well if you pay your bills and doesn’t try to tell you how much to use the card or not use it.

  69. This article is not accurate, at least for the present I just received a $191 credit, which is 19100 miles. No 2500 mile minimum. 2 miles for every dollar, no blackouts because you simply buy your travel through any vendor, then turn around and credit miles to your statement later. It cost me 70,000 miles and almost $200 thru American Aviator card to get two flights to Mexico. And the flights and number of legs was terrible. I’ve tried 4 miles cards, I have received everything promised with this one. It’s a winner. And a HP to all 3 credit bureaus may be an issue for some, but should you really be getting more plastic if your credit cannot handle that?

  70. I think you’re a little crazy if you expect a credit card company to offer massive benefits for travel anyway. Venture is still considered the *best* travel card out there, meaning everyone else is even *worse*. You’re not going to get a better deal, save a couple competitor cards here and there.

    The nice thing about Capital One’s rewards redemption is consistency. I know that no matter what, my miles will always equal the same thing in every airline. I’m moving from a Delta rewards card that only gives a mile per dollar. Miles redemption isn’t consistent (e.g., a $300 flight could be anywhere from 12,000 to 45,000 with no warning or explanation). Plus with a Venture card, I can still have a Delta membership, redeem miles with the card, and still rack up miles through Delta by my purchase.

    I think you may be asking far too much of a credit card company, and forgetting about the even less glamorous alternatives.

  71. I’m pretty sure we received a 60,000 mile sign up bonus for our Capital One Venture card and since we commute between the Mideast & NY, we always look for the cheapest way to fly. Every time we go we have enough miles for 2-3 free tickets. The only thing we hate is the annual fee. Has anyone successfully gotten the fee cancelled? Thanks.

  72. Hi!
    I have been happy with my CapitoneOne card. The main benefit – other than the “miles” – has been the using it internationally with no “foreign transaction fees.”
    Also I have found that the company is relatively easy to deal with (they detected one case of fraud and dealt with it very quickly).
    I usually use the “miles” to redeem hotel purchases or MTR (subway) tickets, or short flights. I have enough miles saved up for a relatively big ticket.

    It may be interesting to look into those other “no foreign transaction fees” cards that you listed.

    For now I’ll stay with CapitalOne just to keep things simple. When I’m in the US I may look at my options again.

  73. There is a major flaw to the logic presented here. I opted for the venture card strictly for travel. Your example of a 1st class flight from jfk to hkg for $28K is seriously flawed. The real benefit for how this card works is that it is a real benefit to those who knows how to find cheaper airfare vs those who just books whatever. Your jfk to hkg fare is a whatever fare. This past jan I flew to singapore on business class via JAL for $2400 round trip. Had I opted for 1st class it would have been $5500. Going back to my trip that cost $2400 thats 240,000 points or $120K of credit card charges. Had I used traditional points to singapore using airline miles that generally ranges from 150k to 180k in points. If my credit card did not offer double points and only single points like most cards I would be charging an extra 30-60K to match the cap one. Additionally, the nice thing about the venture card is that I don’t have to have all the points. If I really wanted to fly and only have 75% of the points that I need, I have the option of paying cash for the remainder. Not all airlines will give you that option

  74. Nowhere in your post does it mentioned you can redeem Cap Miles for 1:1 gift cards. Now that isn’t as simple or clean as a cash back card, but I can buy a $50 Amazon gift card (which I use all the time) for 5,000 miles.

    Using the trip eraser has another bonus as well. You earned miles for that purchase, unlike redeeming airlines specific miles for free travel.

    So if I book a flight for $1,000, I earn 2,000 miles on that purchase. Then I use 20,000 miles to erase the purchase, which means the trip cost me $80 and netted me 2,000 miles.

  75. I like it because of the gift cards that you get…which ends up being the best “bang for your buck” in regards to redeeming the points. I can get giftcards for almost any restaurant, Amazon, among many others. I can get a $25 card for 2,500 points ($2,000 spent). I pay my rent, utilities, and church tithing on this card which comes out to that every month…so I basically get a “free” $25 card every month.

    Is there a card out there that would do something better than that for me?

  76. What this article doesn’t understand is that most people with this card are trying to establish credit. Not people who can pick and chose what cards are best.

    If I can build credit and also get airline points, fuck yeah. I don’t apply for more than one credit card because it tanks my credit score. This one atleast gives me some plus side. Also, I started with a basic capital one card and they upgraded me without charging a yearly fee. I made sure.

    Capital ones market is not the same market as Amex. Slimy or not I know I can handle it but they also gave me a 23%interest rate.

    They are the new fredie mac

  77. How does the Venture card stack up against American Airlines now that American has revamped their miles structure?

  78. What I like about the Barclay card is the fact that even when you cash in on the points for a ticket you’ve purchased, you still have the airline miles that accumulate with your airline frequent flyer account. It’s double dipping to the max. Example: Fight to Colombia, SA costs about $400, so I use 40,000 points from my Barclay card to pay for that ticket. I also get the 15,000 RT miles on AAdvantage. Essentially, a $400 credit is actually worth $550. It can add up really quickly if you spend over $25,000/yr and travel a lot.

  79. I just looked at the Chase. While it’s a little better than Capital One, it’s not a Mile for Mile exchange either. You can get a $650 trip for 50,000 miles…

  80. I wish I had read this before I upgraded to the Venture card ( no sign up bonus and only 1.25 miles/dollar). After earning 25,000 “miles” I assumed I had enough for a domestic flight only to find I had just enough for a two night hotel stay. I will be putting the card away and switching to the Chase Sapphire card instead.To call what this card gives as miles is incredibly misleading.

  81. Lucky compares this to a card that would seem only marginally better with rewards not taking into account the bonus miles. Then we picks the example of AA miles on a first class ticket on Cathay Pacific where there is roughly a 2% difference in miles on the 2 cards. Lucky would appear to be cherry picking and ignoring a rationale analysis. Luck will only get one so far why did they have someone that doesn’t rational thought or get math to do this simple analysis. I get it math is hard but most 17 year olds with a SAT over 700 would be more than capable of spending a half hour and coming up with a more representative and helpful comparison. Hopefully Lucky isn’t get paid for his irrational and flawed analysis. Oh well given all those kids that score 500 on math SAT something to shoot for.

  82. Correction 2 % difference in dollars spent not miles as they aren’t equivalent in his Cherry picked Cathay Pacific example

  83. I’ve tried to follow all the comments, but must confess that a lot of the intricacies are over my head and don’t seem to yield a very big return for all the work involved.
    I guess I’m just real plain vanilla, but I do like to make the best deal I can.
    What card might be recommended if I don’t care about hard pulls; I’m OK with paying annual fees. I’m only going to use miles to buy airline tickets. I’ll probably keep the card forever. I’ll probably charge $12k a month and pay it off every month.

  84. For non-travel focused everyday spend peeps like myself, the signup was worth getting this card. and 2 percent back that can easily be exchanged for Walmart (or any of the other many GC options) gift cards provides a great ‘Floor’ to everyday spend. I think this post is not very objective and I see the venture an easy to redeem 2 percent. Worth keeping and using through the first year at least, until the annual fee kicks in and maybe even a year or two after that given the 400 buck sign-up bonus advantage over the Citi double cash back card. Until year 6 or 7, your sign on bonus still covers those annual fees.

  85. Hi,

    I really liked this article and assume that I understood. I will have questions though if you don’t mind to answer.
    What if you will go to another country and don’t want to pay a foreign fee for your transactions, will you still want to use the double cash back card? Let’s say you have one of the Chase sapphire cards (or similar) and they won’t charge you for foreign transactions, I don’t know you, but I am looking many different websites and airlines before I bought the ticket so I can find the cheapest one and sometimes I am finding 3x cheaper. Do you think how many miles I will use from LA to Frankfurt? Because I can find ticket for 750$. If I will try to get a ticket from the mentioned credit cards coopareted airlines it will cost me at least 2000$. How many points do I have to use for a round trip From LA to Frankfurt? If it will be 200,000 miles/point for 2000$ worth ticket, it doesn’t make sense. If it will be even 100,000 miles/point for 2000$ ticket, I can consider to get one the 2x miles card.

    I hope I could ask. Sorry for bad English.

    Thank you.

  86. I was upgraded to this card after receiving an offer from Capital One stating that I was applicable for it along with sign-up bonus points for hitting required dollar amount within the first 3 months of activating the new card. However, after hitting the required dollar amount my sign up points were not added. It was explained to me that because I had been a Capital One card holder previously that the offer was not applicable with upgrade status. This is not what I was told upon sign-up. Of course no points were transferred from my preexisting account and the whole reason I upgraded was because I was told I was applicable for sign-up bonus. I neglected to use cards with a higher points return so that I could meet my sign-up bonus minimum and receive my bonus points. Very disappointed with Capital One Venture card.

  87. I need recommendations for a travel rewards card. After seeing the recent Capital One Venture Card commercials, I signed up for one and just got it in the mail today. After seeing this post, I think I may have chose the wrong card. Here’s a rundown of what I need it for.. I am 28 years old and flipping my first home. I expect to put around 20K on the card per year. Flip a house.. pay it off. Flip another house, pay it off. Depending on how this new venture goes, I could possibly spend more. I will be carrying a balance on the card for about 6 months at a time or so until I can make enough cash to start paying it off every month. So for the next year to year and a half I will carry a balance on the card. I want a card with no black out dates. I do not fly often so a card that only gives you points buying form airlines will not work for me. I’m going to be spending a lot of money flipping homes, the only thing I want to achieve from a travel rewards card is airline miles and I want to rack them up as quickly as possible. Any advice or suggestions on cards would be so helpful. Thanks!

  88. I think you are spot on with your analysis of the Capital One Venture card. I do have one, along with all the major airlines cards and a US Bank flexperks card and I find it comes in handy when the itinerary I want is not available using frequent flyer points (or it’s only available using a standard award vs. a saver award – 50,000 frequent flyer points or more if you use Delta). So I can actually buy the flight using my capital one points (assuming it’s not outrageously priced) with no cash outlay. Granted it is not the perfect card but when used in conjunction with some of the other cards out there, it offers a nice 2x points per dollar spent (so spending $25,000 get you 50,000 points or a $500 ticket which covers many domestic round trip flights) and another option to avoid actually buying an airline ticket.

  89. Hello! I agree- the Cap One points are hard to build upon. I think it’s best to pick your most useful airline and get the card they offer, during one of their high-mile promotions.

    My question is -forgive me if you’ve answered this already: If I have Capital One Venture miles, can I use them TOWARD purchasing a ticket on American Airlines, while also using my AA frequent flyer miles?

  90. ^I should add that the price of the flight is MUCH better on the American Airlines website than it is on the Cap One rewards site.

  91. Hey Ben, for someone going into college who is wants to rack pointy quickly, is the AMEX everyday preferred the best option? Also if i wanted to rack Ultimate rewards rather than membership reward points, what is the Chase equivalent of the Amex everyday card? Would it be CSP? or something else? thanks!

  92. Horrible advice you’re giving people. You are clearly just promoting the other cards.

    You had to compare purchasing first class tickets for your example to show that airline cards are better, but most people don’t care to fly first class. Most people also don’t want to be restricted to an airline.

    Getting 2% back on every purchase and having the freedom to pay for ANY travel purchase from ANY airline or website from the last 90 days is easy. So easy. You don’t need to sign into any special website to use points. Just use the card as you would and login to your bill within 90 days to choose which purchases to “erase” by applying your points.

    For anyone spending a lot of money on their cc, the capital one Venture’s 2% back on every purchase is THE best along with Barclays.

    If you’re a dorky credit card dweeb like this guy, trying to get deals on first class tickets, then fine, get something else. But for the normal person who spends a lot of money and doesn’t want to study up on where to use points to get the most out of them, you simply cannot beat the venture.

    How can you feel okay about yourself lying to people like this? Really disappointing what people do for money. People are seriously looking for advice and you’re not helping.

  93. I’m confused. Each person may prefer a cards benefits and we can debate all day but where was the lie?

  94. Joe, please keep your comments civil. Lucky is not out to scam anyone; he’s giving advice from his perspective, which may differ from yours. (I have a third perspective – I can do better than 2% with miles and points cards, such as Chase Sapphire Reserve and Freedom Unlimited; I use my points mostly for coach airline tickets and good quality, but not aspirational, hotel stays. I redeem for business class selectively, when it makes sense – for example if business Saver is available on a route, but coach Saver is not.)

    Getting back to the facts: If I had to choose between Capital One Venture and Citi Double Cash, I’d pick Citi because:

    -The benefits (2% cash back) are very similar.
    -Citi’s customer service is far superior to Capital One’s.

    Am I missing anything?

  95. So if you only need a lot of international economy flights, do you think this is an ok card? I do travel international flights and I do not care first class flights. How often I can fly for free is all what matters to me.

  96. I just flew from New York to Hong Hong for $1,900, what is this $28,000. What a poor reason and example. Stupid, get any credit card you want, they all end up doing the same thing, if you buy it on credit you still have to pay cash for it. 1% or 10% cash back, rewards, or any other offer, it is all the same, no use sqwaubing over loose pennies, kooks

  97. This article has incorrect information in it. You do not need to redeem in a minimum of 2,500 mile “chunks” with purchase eraser you can redeem down to the cent and you get the true value of those points (no discount). Shit article

  98. This post is old, but the merit remains.

    At the end of the day, it is all about what you want the card to do, and there is a place for the Venture card. Some want cash back. Some want miles. Getting a fixed-rate dividend for travel redemption is fine for a lot of folks, and that’s what the Venture card is about. What is very nice about the Venture card is just how cut and dry it is, which means it is also easy to redeem. No disparaging that.

    But that’s what it is – a fixed-rate dividend. They are not “miles”.

    There is no additional synergy with an actual mileage program. This aspect alone is where the Venture card never interested me. If I book a flight with an airline card, I may earn, say, 3x miles on that purchase, in addition to the actual miles I then fly on said flight. Throw in some bonus accrual for status, additional spend on everyday expenditures, and it adds up at a rate better than “2x”.

    I’m at a rookie level when it comes to the miles game. I don’t travel extensively for business, and when I travel for leisure I am almost always booking cheaper Y fares. That said, the past couple of years I’ve been able to redeem my miles for about $40,000 in J and F award tickets – primarily trans-pacific to Asia and Australia. These are flights I would never book out of pocket. A $10,000 F ticket is rather abstract to most including myself, but I booked one a week out with miles just last month. That’s what I want my miles to do. Since the Venture card is fixed redemption at about one cent per “mile”, that same ticket would take $100k of spend and, for me, that is simply not attainable nor is it “worth” it.

  99. Glad to see you didn’t recommend the United Airlines card. Try using THOSE miles. Typical response – no reward seats available on this flight.

  100. I got a Capital One Venture card several years ago when they had a sign-up promotion in which they matched miles you had with another card up to 100,000. I had over 100,000 on my American Airlines AAdvantage card, so I applied for the Capital One Venture card and they gave me 110,000 points to start. I’ve had the American Airlines AAdvantage card for nearly 25 years. Got some good deals on flights using AA miles years ago, but it seems like the good deals have been much harder to find and the miles much harder to use in recent years. So I’ve mostly been using my Capital One Venture card since I got it. Earn double miles on every purchase and very easy to redeem (I just purchase whatever I want and “erase” the charges later). Also like the zero foreign transaction fees (used to get foreign transaction fees with the AA AAdvantage card, but they may have done away with them recently). Recently got the Chase Sapphire Reserve card with the promotional sign-up offer of 100,000 bonus points. Advantage: earn 3x points on travel and dining. Disadvantage: only 1x point on all other purchases. For best redemption value, you have to use their travel rewards portal to purchase. Haven’t tried it yet, so don’t know if the deals there are better or worse than you can get booking directly. Also, they say you can exchange Sapphire points for points/miles in other programs. Haven’t tried that yet either. Will probably use the Chase Sapphire Reserve card for travel and dining since it earns 3x points. Will use Capital One Venture card on nearly everything else since it earns 2x points. I don’t use the American Airlines AAdvantage card much anymore since it earns only 1 mile per $1 and the miles are harder to use.

  101. hello, (to whom ever)
    I’m reading this information and a little lost and it looks like you know exactly what you are talking about. I am planning my honeymoon and plan to put the travel expense on a card so that I can start earning “miles”. Now I think I think of miles like this ” a plane ticket to mexico cost Xamount I want to just put points towards that I have earned and have a free flight.
    Now. I am not interested in cash back but purely traveling and having my plane ticket and paid for. I want to travel a lot in the next couple years and I am hoping to get a card that can help me out.

    I was about to apply for the capital one venture card ( because of the advertising) and the sign up bonus being I am putting my honeymoon purchase on it… When I came across your information.

    Now what I am looking for is just a travel card that supplies me with points for traveling but I’m learning the value of the points Is what matters and honestly I don’t have enough knowledge and I’m not good with numbers and getting very confused. I was wondering if you could recommend one to me that makes sense for what I want. You seem to be knowledgeable on the subject matter.

    I want not foreign fees
    low annual fee.
    bonus points with first purchase
    Flying with ANY airlines ( I don’t want to be limited)

  102. If I were to use a travel card, such as this one, for a trip to get the points/start up bonus (but it has no 0% intro apr), will I still be able to redeem the points if I transfer the balance from that purchase to another credit card that has 0% apr?

  103. @travelbug
    Which card did you end up going with? I am trying to do something similar, it’d also be for a honeymoon trip. Any luck on finding something good?

  104. Just trying to figure out which card is right for me. I am a casual traveler at best. We do a yearly vacation either to Europe or to a sunny beach with clear waters. So I am in between cards at the moment. I am not sure if a strict airline card would be good, a co-branded like Starwood, or the venture card would be best. Cards I have been reading over have included chase sapphire preferred card, capital one venture rewards card, but I am open to other cards . I do the usual spending (ie: groceries, daily activities, entertainment, dining…) I’m mainly looking for something that I could gain miles/points from and when we do have a “vacation” I can use the accrued miles/points to help pay the flight or the hotel, or both if possible. Any help/advice would be greatly appreciated!

  105. Re: “traditional miles” — what are you talking about? I can’t find any travel card that doesn’t boil ‘miles’ OR ‘points’ down to cents.

    You don’t get a x-thousand-mile or x-thousand-point sign-on from any company and be able to fly x-thousand miles for free… not from what I’m reading anyway.

    Your AmEx gold sign-on might get you 25K points which is $250 toward a flight… if I’m reading that correctly. The CapOne gives you 40K; $400 … I don’t see anyone who has defined “miles” or “points” apart from ‘cents’.

  106. So If I want to buy a 600.00 ticket with my Capital One Venture points….I will first need to spend 300k. They figure the amount of points used by multiplying the cost of the ticket by ONE THOUSAND. So again….a 600.00 ticket won’t be possible until you have used the card for 350k. Far above other cards out there.

  107. The Venture 40K bonus miles sound interesting. Here’s the deal: For a RT DFW/FRA trip biz class
    I have 130K Chase points plus 30K UA points. Placed together I still need 40K points. Can I round out the missing points with the Venture bonus? And just how does that work?
    Robert Kolstad.

  108. I’ve spent hours researching a ‘rewards’ card and finally came upon this article. Let me say a big THANKS! to Lucky for posting this. this is exactly the kind of analysis i was looking for. I’ve seen so may sites just regurgitating media and putting card benefits side by side and not really getting into what they are ‘worth,’ but this finally but some meaning to it all. I found this VERY useful. Thanks again!

  109. I have the venture card and value my credit score, but are you recommending I cancel my card to avoid an annual fee?

  110. I have used this card for travel and if you have to make changes….FORGET IT. You can but better If you have miles left just book your changed itinerary. You lose your miles. Sucks, gonna pay off
    this card and close out my account. Use my Southwest card and my Citibank AA card.

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