@ToxikPH wrote:
I'm having trouble understanding the difference between the DC and Venture card as the Venture has a $95 AF but is basically just a 2% back card? What's the benefits of it over the DC? I know about the 10x on hotels.com but that's only through January, the card seems pointless besides that bonus.
Excluding hotels.com (which is also available on Venture One with no AF), there are only two reasons for Venture:
1) First year SUB. It can certainly be worth getting it for the first year if you are into collecting SUBs
2) Transfer partners. If you can use the airline partners, then arguably it can be worth more than 2%
But after the first year, for most, there is little point. As you say, it has an AF, and also to get 2%, you need to redeem for travel (well, there is a way round that but that could go away). So paying a fee for a restricted 2% card, unless 2) applies, does seem misguided!
That said, I wouldn't use DC as the comparison though, use say the Paypal MC. That has more Cap One type features: no FTF, no min redemption and no silly 1+1 stuff. (Unlike Cap One cards, you have to wait to statement close to get the rewards)
