Venture or VenturOne? Or something else? Help.

[Anonymous]

Hi all. I'm not sure if this is the right place for this question, feel free to move if it isn't. 

I'm planning on doing some international travel in late Dec and early Jan to Europe. I'm looking to get a good travel card and this one kept popping up among the best travel cards when I was poking around various credit card sites. I'm nervous to come out of the garden, it's been a whole year, but I feel like this card, depending one which one I get or different one all together, would be worth it as we do travel and fly a lot throughout the year, regardless of planned vacations.

DPs are as follows just under 720 for all 3 cbs, uti 12%, no baddies, always paid as agreed, 75k income, 5 inq for TU & EX, 2 for EQ in last 24 m, 0/12m & 0/6m for all 3, AAoA 3y 11m & newest 1y 1m.

Which one should I apply for? Both make sense to me, but I'm not sure if the annual fee would be worth it? Would I even be good for applying for either of these cards? Are there other cards to consider? (Excluding Chase of course.)

Thanks in advance.

[coldfusion]

What cards do you currently hold, when did you open them, and what are your current credit limits?

[Anonymous]

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@coldfusion wrote:

What cards do you currently hold, when did you open them, and what are your current credit limits?

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Kohls 3y 11m, 1500

USAA 3y 9m, 6200

JCP 1y 6m, 6500

CC 1y 5m, 13000

Firestone 1y 5m, 3200

Military Star 1y 3, 5600

AMEX CM 1y 2m 5000

[Anonymous]

Personally... I'd just go for the CSP / CSR and be done with it.  V/V1 aren't all that special and it's a PITA to deal w/ Cap1 overall.  

The caveat is going to be how you are with Chase past/present.  If you burned them or have a BK it might be a tough sell to get an approval.

I don't see any reason why it might not be an approval based on the limited info you provided so far. 

Now if you're looking for something a little bit of a lower tier there's a ton of options to go with depending on what your primary spend will be outside of the trip.

[Anonymous]

Neither is a good travel card and you can do better with PPMC from Sync.  2% straight, no FTF.  

I got the Venture from a PC from QS and will downgrade it down to QS later because it isn't anything special.  I was feeling ambitious and asked for SUB and first year AF waived and the rep agreed to first year AF waived.  No Sub because I already got one for the QS.  

[coldfusion]

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@Anonymous wrote:

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@coldfusion wrote:

What cards do you currently hold, when did you open them, and what are your current credit limits?

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Kohls 3y 11m, 1500

USAA 3y 9m, 6200

JCP 1y 6m, 6500

CC 1y 5m, 13000

Firestone 1y 5m, 3200

Military Star 1y 3, 5600

AMEX CM 1y 2m 5000

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If you haven't burned Chase in the past you'd have at least a decent shot at a CSP.

Otherwise, look into an Uber Visa and/or a 2% cashback no-AF, no-FTF Visa/Mastercard.

The only real benefit to the Venture/Venture One would be the Venture SUB and if you were able to leverage the hotels.com promotion.

Beyond that, they're really not special.

[Aim_High]

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@Anonymous wrote:

I'm planning on doing some international travel in late Dec and early Jan to Europe. I'm looking to get a good travel card and this one kept popping up among the best travel cards when I was poking around various credit card sites. ... we do travel and fly a lot throughout the year, regardless of planned vacations.

Which one should I apply for? Both make sense to me, but I'm not sure if the annual fee would be worth it? 

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As others posted, neither of these cards is a good value proposition long-term, travel or not.  They are both closer to cash back cards than true travel cards and even for cash back cards there are better options. Venture One is basically a 1.25% return card which is less than basic Capital One Quicksilver 1.5% cash back card. And Venture is like a 2% card with an AF.  Yes they both have SUBs and Venture waives AF for year one. If you get one for those reasons and only short term, it might make some sense. The hotels.com promotion is good also but only temporary for a few more months. After year one, you’d have to spend more than $19K to make more on your Venture after the AF than you would with your existing 1.5% AMEX Cash Magnet. Or you could get a card that pays 2% with no AF like Citi DC or PAyPal MC. 

If if you do travel often, a big league travel card, though expensive with AF, might make sense depending on your spend. AMEX Platinum, Chase CSR, CITI Prestige, or USB Alitude Reserve.  You get much better rewards if your spend is a good match, AF offsets to help pay for itself, and much better travel benefits. You sound like your profile justifies running numbers to evaluate those. 

At at the lower end of the market, I would highly recommend several other cards over Venture, namely the $95 AF Chase Sapphire Preferred, no AF Wells Fargo Propel. ($300 SUB), no AF Uber Visa, or Navy Federal CU Flagship (3% travel, 2% everything else, $49 AF but reimburses global entry and has $500 SUB).  

[Anonymous]

The Discover travel card is 3% for the first year, 1.5% after that with no annual fee and $75 Amazon credit SUB if you apply via Amazon or a $50 statement credit SUB if you use a referral code (plenty of places online you can grab a referral code).

Its a lot easier card for get than any Chase card.

[Aim_High]

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@Anonymous wrote:

The Discover travel card is 3% for the first year, 1.5% after that with no annual fee and $75 Amazon credit SUB if you apply via Amazon or a $50 statement credit SUB if you use a referral code (plenty of places online you can grab a referral code).

Its a lot easier card for get than any Chase card.

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I started to mention that one too but wanted to focus more on long term card options. Depending on spend, though, the Discover IT MILES card will get you a higher first year SUB than you can earn on Venture. It’s a great card and SUB!  You just don’t get it for a year, if that is important. But it doesn’t make sense for the long run. 

[Shooting-For-800]

VentureOne is pointless

Navy Flagship

Barclay Uber

Venture

QuickSilver