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Cap1 PC offered to me via chat what do you think

Established Contributor

Cap1 PC offered to me via chat what do you think

I currently have a card with them that earns 1% cash back on all purchases 2% on gas and groceries.  I have to cards that earn 2% on everything so I felt that this was a little redundant and asked about a PC option on my account.  The analyst said " There offers on your account to Venture One card where you will earn 1.25 miles per dollar on all net purchases with no Annual Membership Fee within approximately 7-10 business days."

 

Do you all think that is worth the PC?

 

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate$25,000

Message 1 of 15
14 REPLIES
Valued Contributor

Re: Cap1 PC offered to me via chat what do you think


zyzzus wrote:

I currently have a card with them that earns 1% cash back on all purchases 2% on gas and groceries.  I have to cards that earn 2% on everything so I felt that this was a little redundant and asked about a PC option on my account.  The analyst said " There offers on your account to Venture One card where you will earn 1.25 miles per dollar on all net purchases with no Annual Membership Fee within approximately 7-10 business days."

 

Do you all think that is worth the PC?

 


Given you have Priceline and Fidelity, the only time it would make sense to use the Venture One is internationally, as it has no Forex.  Then you would earn an extra .25% on purchases than your current card, with the possible exception of gas and groceries (if that is also 2% outside the US).  So, if you do that a lot, worth the PC, otherwise don't see a gain.

 

Edit: But equally your current card has no value at all over Fidelity/Priceline (except Forex), so I guess it is worth the PC even if you don't currently travel, because one day that might change.

Message 2 of 15
Established Contributor

Re: Cap1 PC offered to me via chat what do you think


bs6054 wrote:

zyzzus wrote:

I currently have a card with them that earns 1% cash back on all purchases 2% on gas and groceries.  I have to cards that earn 2% on everything so I felt that this was a little redundant and asked about a PC option on my account.  The analyst said " There offers on your account to Venture One card where you will earn 1.25 miles per dollar on all net purchases with no Annual Membership Fee within approximately 7-10 business days."

 

Do you all think that is worth the PC?

 


Given you have Priceline and Fidelity, the only time it would make sense to use the Venture One is internationally, as it has no Forex.  Then you would earn an extra .25% on purchases than your current card, with the possible exception of gas and groceries (if that is also 2% outside the US).  So, if you do that a lot, worth the PC, otherwise don't see a gain.

 

Edit: But equally your current card has no value at all over Fidelity/Priceline (except Forex), so I guess it is worth the PC even if you don't currently travel, because one day that might change.


I am feeling the same way as this last statement.  I don't travel now but it would be nice to have a travel card for sure.

 

edit: I just noticed that this was a Visa SIGNATURE card with my limit only being 3,000 I assume I would get a CLI to boot.  I am trying to get this accomplished now with another agent.

 

 

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate$25,000

Message 3 of 15
Super Contributor

Re: Cap1 PC offered to me via chat what do you think

Good luck

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 15
Established Contributor

Re: Cap1 PC offered to me via chat what do you think


myjourney wrote:

Good luck


I've made it to a second agent that would really be able to accomplish the request.  She is reviewing the chat history between the first agent and I.

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate$25,000

Message 5 of 15
Established Contributor

Re: Cap1 PC offered to me via chat what do you think

Second analyst said that only the rewardds on my card would change mirroring the VentureOne card however it would remain a mastercard and the CL would remain the same.  I took the offer I find this more valuable to have a travel card available to me.

 

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate$25,000

Message 6 of 15
Moderator Emerita

Re: Cap1 PC offered to me via chat what do you think

Message 7 of 15
Established Contributor

Re: Cap1 PC offered to me via chat what do you think


09Lexie wrote:
Congrats.

Well now they also offered the card with 1% cash back and the 50% bonus on top of that at the end of the year.... I am thinking ill just take the venture though.

 

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate$25,000

Message 8 of 15
Regular Contributor

Re: Cap1 PC offered to me via chat what do you think

You could be really ambitious and see if they will offer you the normal, 2% Venture.
EX: 758 (10/12), TU: ???, EQ: ???

BankAmericard Travel Rewards // Citi Forward // Amex Blue Cash Preferred // Gap Visa
Message 9 of 15
Established Contributor

Re: Cap1 PC offered to me via chat what do you think


sengpatt wrote:
You could be really ambitious and see if they will offer you the normal, 2% Venture.

2% Venture was not an option.  I didn't take the plunge to either offer.

 

Can I get some feedback between the Cashback 1% with 50% bonus versus the VentureOne (1.25 miles)?  I amthinking that the cashback is .25 better?  Thanks guys.

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate$25,000

Message 10 of 15