topic Re: Capital One Venture Approved in Credit Card Approvals

Capital One Venture Approved

UncleB — Mon, 19 Jan 2026 03:33:35 GMT

I have a trip planned for early April so like a good myFICOer I figured I might as well use the opportunity to work on a sign-up bonus. I had a pre-approval a while back with Capital One so I figured I'd give it a shot again, and luckily they still like me. Turns out they like me even more than I expected them to...

This is Capital One card #4 for me... I have a grandfathered no-AF Savor card (4% on restaurants/entertainment), a Quicksilver WEMC and a Quicksilver Visa. Notably, the QS WEMC started off as a Venture back in 2017.

I'm not gonna lie... I got this for the bonus. I suck at churning, though, so before the next AF is due I'll probably change it over to a Venture One and just use it for the occasional BT promo.

Now to the part everybody is going to be asking about... I'm 0/24 (actually in a few month I would have been 0/36), and all three of my FICO 8 scores are 850 (I only have access to one FICO 9 - EX via Wells Fargo - and it's 850 as well). I know between the new HP(s) and the new account being added I'm going to lose some points, but that's OK... the $750 bonus is worth it.

The grandfathered Savor is 'bucketed' - it was previously an old HSBC/Orchard Bank card. The QS Visa is also bucketed, albeit likely to a lesser degree (assuming that's a thing). The QS WEMC is not bucketed - this one was approved after my profile was 'clean'. Historically there's been a lot of chatter about limits on the number of Capital One account depending on bucketed, etc. but I'm not sure that's still a thing.

Side note: Right after the approval I was given the chance to add the card to my existing login. Another card I didn't recognize also showed up so I left that box checked, and that was a mistake - that one was an old closed account from 20+ years ago. From poking around Reddit it looks like there's no easy way to get rid of the old account now, so I'm stuck looking at it on the dashboard, LOL. Not the end of the world, but annoying... hopefully this tidbit will help somebody in a similar situation.

Re: Capital One Venture Approved

reluctantgarden — Mon, 19 Jan 2026 01:40:42 GMT

Congrats on the CL, although it's not like your scores don't deserve it lol. Re old accounts showing, I've had similar situations with Discover and Chase and had to call in to fix as not to be annoyed going forward.

Re: Capital One Venture Approved

Varsity_Lu — Mon, 19 Jan 2026 01:41:49 GMT

Congrats! You should be able to hide the old account by going to your profile --> account & feature settings --> account display settings. There should be a slider to hide old accounts.

Re: Capital One Venture Approved

CreditCuriosity — Mon, 19 Jan 2026 03:21:39 GMT

Congrats on a fabulous approval my friend and enjoy the bonus as well. Wow close to 36 months on new account which is also quite the accomplishment vs how we use to be .

Re: Capital One Venture Approved

UncleB — Mon, 19 Jan 2026 03:26:10 GMT

@CreditCuriosity wrote:
Congrats on a fabulous approval my friend and enjoy the bonus as well. Wow close to 36 months on new account which is also quite the accomplishment vs how we use to be .

Thanks so much my friend!

I know, right?? I've been sitting on my hands for so long I was tempted to go for the Kroger MC as well but for now I'm exercising restraint, haha!

Re: Capital One Venture Approved

UncleB — Mon, 19 Jan 2026 07:19:13 GMT

@UncleB wrote:
...I was tempted to go for the Kroger MC as well but for now I'm exercising restraint, haha!

Well, for science I gave the Kroger MC pre-approval a whirl, and it came back with no offer (I suspect it's due to existing exposure with U.S. Bank). After a little reflection, I'm strangely relieved, LOL.

While I definitely wouldn't mind having it, the amount of additional cash back it would bring me each year doesn't hold a candle to a sign-up bonus. I'm sorta glad it's no longer calling my name, haha.

Re: Capital One Venture Approved

firefox100 — Mon, 19 Jan 2026 11:53:07 GMT

Congratulations way to go and start the new year.

Re: Capital One Venture Approved

Priory_Man — Mon, 19 Jan 2026 12:53:56 GMT

Congrats on the approval and a stellar Cl

Re: Capital One Venture Approved

CreditCuriosity — Mon, 19 Jan 2026 13:19:57 GMT

@UncleB wrote:
@UncleB wrote:
...I was tempted to go for the Kroger MC as well but for now I'm exercising restraint, haha!
Well, for science I gave the Kroger MC pre-approval a whirl, and it came back with no offer (I suspect it's due to existing exposure with U.S. Bank). After a little reflection, I'm strangely relieved, LOL.

While I definitely wouldn't mind having it, the amount of additional cash back it would bring me each year doesn't hold a candle to a sign-up bonus. I'm sorta glad it's no longer calling my name, haha.

Think you would be approved but in lieu of a nice sub the ROI vs a one time bonus would likely be several years to start to come out ahead. Just how my brain works but live a custom cashes and believe my initial one didn't come with one with that said. On opposite spectrum stops from callilng and cancelling useless cards after getting subs as well.. I have a few of those this year with subs AF's about to hit AA business cards, etc need to keep delta businessfor 2 years before cancelling etc.

Re: Capital One Venture Approved

cashorcharge — Mon, 19 Jan 2026 15:51:33 GMT

VERY strong SL from Cap1 @UncleB

Congratulations!! 🍾🎉

Re: Capital One Venture Approved

GZG — Mon, 19 Jan 2026 17:35:36 GMT

very nice approval, congrats

metal venture card go clank clank

Re: Capital One Venture Approved

ElvisCaprice — Mon, 19 Jan 2026 20:20:22 GMT

Congratulation on the Venture. I think it was the smart choice for casual travelers like ourselves, as a churn, over the Venture X. Let alone you get the same SUB, vs a big difference in AF. You came close to going on a spree, I did exactly the same thing getting a BofA PR first but on the preapp for a Kroger CC, it was a go, next thing I knew I was off and running. Closed it out with a Chase Amazon. Of course, I was no 0/24 at the time. That will never happen. I would consider that lost revenue/SUB's.

Re: Capital One Venture Approved

SusanJA — Mon, 19 Jan 2026 22:52:02 GMT

Nice! That's one of my favorites Enjoy your trip!!

Re: Capital One Venture Approved

JoeRockhead — Tue, 20 Jan 2026 13:47:52 GMT

Well played, outstanding SL and SUB. Congratulations on the approval!

Re: Capital One Venture Approved

coreyb80 — Tue, 20 Jan 2026 17:16:45 GMT

Congrats on the strong approval!

Re: Capital One Venture Approved

Janneman — Tue, 20 Jan 2026 21:28:56 GMT

@UncleB

Congratulations...Nice Job and good timing....By the way, how many total open revolving accounts did you have before the approval of this card? Tnx

Re: Capital One Venture Approved

Janneman — Tue, 20 Jan 2026 22:15:24 GMT

@Janneman wrote:
@UncleB

Congratulations...Nice Job and good timing....By the way, how many total open revolving accounts did you have before the approval of this card? Tnx

I think you have 30 or more cards, right? I believe this card has $95 AF, right? If so, could you downgrade or PC it to non-AF after a year or so without loosing any assigned CL?

Re: Capital One Venture Approved

UncleB — Wed, 21 Jan 2026 07:07:49 GMT

@Janneman wrote:
@Janneman wrote:
@UncleB

Congratulations...Nice Job and good timing....By the way, how many total open revolving accounts did you have before the approval of this card? Tnx
I think you have 30 or more cards, right? I believe this card has $95 AF, right? If so, could you downgrade or PC it to non-AF after a year or so without loosing any assigned CL?

With this new addition I now have a total of 35 cards.

I can't see myself keeping this one long-term, at least as a Venture. It will definitely be PCed to a Venture One or Savor, probably a Venture One since I already have a grandfathered 4% Savor WEMC.

I probably won't change it to a QS since I already have a couple that go mostly unused, and it will be easier to manage if it's distinctive from those. Just last month I was in a hurry and made a small payment to my Freedom Visa that was intended for my Freedom Flex, so I'm acutely aware of the challenges of having multiple accounts of the same type (I caught the error the next day; no harm done except to my pride, haha.)

This is actually my second Venture card. The first was my (now) Quicksilver WEMC that was opened as a Venture back in January of 2017. Something notable this time around is that while I got a generous credit line I got the middle APR. It really doesn't matter (I will never carry a balance on this card) but I'd be lying if I said that didn't surprise me a bit; I'm assuming it's a 'ding' for having so many accounts. For reference, the rate on on the 2017 card is now 21.49%, three points lower than the new one. ¯\_(ツ)_/¯

Side note: The bonus changed yesterday on the Venture... it's now 75k miles and a $250 travel credit. I already know there's no reconning a bonus with Capital One after the fact - you get what you applied for - but that's OK. It's just an ironic reminder how often the deals change, LOL.

Re: Capital One Venture Approved

Copenix — Wed, 21 Jan 2026 08:55:03 GMT

Congrats on your approval and strong SL.

Re: Capital One Venture Approved

TrapLine — Wed, 21 Jan 2026 16:51:51 GMT

@UncleB

Hmm ... you know it really could be a "like" based on the friends you keep