Capital One Venture

[Matt9543]

Does anybody have this card and they seem to like it? From what I've seen it's a good 2x on everything card, and I was looking into it deeper and I found that it states if you use Capital One Travel for hotels or rental cars, you actually end up getting 5x back instead of the 2x back. Does anybody have any experience with using that? I haven't seen that advertised anywhere, and it definitely isn't advertised in plain sight on their website. I tried looking at their travel site, but you have to have an eligible travel card in order to view their travel site.

[TekkenQQ7]

[TekkenQQ7]

https://www.capitalone.com/credit-cards/venture

[Anonymous]

I used to use my Capital One VentureOne strictly for Hotels.com 10x miles per dollar and free night every 10th night for non-chain hotels. When the promo expired in Jan 30th, they added this 5x miles per dollar spent through Cap One Travel portal. I looked at it a few times and the prices were always higher than Hotels.com so I never use it. 

You are probably better off using your NFCU Flagship and getting 3x with any travel portal you like for hotels and car rental.

[Ficoproblems247]

Agreed. The Venture is just meh. The only reason I PCd another one of my cards to the Ven1 was for that 10x hotels.com deal and then it went right out the window. 2x is just not impressive. If you work at it you can get higher resemption value with transferring the points to partners when they have good values on them, but a 2X $95 AF card is not too exciting IMO. 

[Anonymous]

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@Ficoproblems247 wrote:

Agreed. The Venture is just meh. The only reason I PCd another one of my cards to the Ven1 was for that 10x hotels.com deal and then it went right out the window. 2x is just not impressive. If you work at it you can get higher resemption value with transferring the points to partners when they have good values on them, but a 2X $95 AF card is not too exciting IMO. 

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Basically this.   There is no point paying an annual fee, let alone $95, for a 2x card where to get 2x you have to redeem for travel (officially) when free 2% cards are available  (and 3% currently as well!)

Venture is good for the first year with the SUB (and sometimes no AF)

IF you can use the transfer partners, then it can have some value.

The hotels.com 10x was also good, but you got the same on the free Venture1

Somehow it got popular, as a travel card, whereas for most, after the first year, it was a waste of $59-$95 compared to cards like Citi DC, Paypal MC etc

[Anonymous]

It may be 2x on everything, but those points are solidly "meh". Redemption through purchase eraser is one cent per point and they generally transfer to partners at less favorable rates than Chase and Amex (not sure about Citi).

I have heard that the Capital One Travel portal can be a bit inflated relative to other online travel brokers, but no direct personal experience.

The two good things about the Venture are the generous SUB and the Global Entry/PreCheck credit. Since you already get that credit with the NFCU Flagship at a lower AF and with higher cash back earning rate, I'd only consider the Venture for the SUB.

[NRB525]

Venture is a decent card, but the go-to comparison is vs QuickSilver. Both cards have similar acceptance and things like no-FTF. 
QS is 1.5% while Venture is 2%. So you have to spend upwards of $20,000 on the Venture at 2% each year to equal the 1.5% you'd get from QS on the same spend.  

[kdm31091]

In the first year with a signup bonus sure, but beyond that I don't see a point in paying an annual fee for a restricted 2% return. 

[coldfusion]

This is to a large extent a card to get for purposes of collecting the SUB and then closing after holding it for a year.   

It was never a particularly great card but seemed to target later stage rebuilders vs. those with clean/thick profiles with 800+ FICO scores (who were often denied) and they often granted pretty generous SLs.   Seems that they overall haven't been so generous with SLs as of late but they still target late stage rebuilders.