cancel
Showing results for 
Search instead for 
Did you mean: 

Options to downgrade Venture X to Venture card ? Just curious...

tag
Live4Fishing
Valued Member

Options to downgrade Venture X to Venture card ? Just curious...

I recently just got approved for Venture X with 30K CL.  I'm happy with that (also have the Savor One).  But I'm wondering if anyone in this forum has ever successfully downgraded or "product changed" to a just the Venture card from the Venture X.  I may decide to downgrade later on this year if don't want to pay the AF of $395 before it renews.  I think the Savor One and either the Venture or Venture X make a killer combo... just not sure if I will be traveling in the future to justify the AF of the Venture X.   I know cap1 is very weird with their approvals and lack of product change options.

AOD Visa Signature - 10K
PenFed Power Cash Rewards - 25K
Chase Sapphire Preferred - 18K
Capital One Savor One - 10K
Simmons Bank Visa Platinum - 7K
PenFed >PenFed Promise Visa - 5K
Chase Ultimate Rewards (AU) - 19K
Chase Ink Business Cash - 4K
Capital One Venture X - 30K
Message 1 of 12
11 REPLIES 11
NoMoreE46
Community Leader
Senior Contributor

Re: Options to downgrade Venture X to Venture card ? Just curious...

You should Call them for your options.

 

Message 2 of 12
Live4Fishing
Valued Member

Re: Options to downgrade Venture X to Venture card ? Just curious...

I did call them... and they could only tell me I couldn't do that right now as there weren't "any promotions" for that right now.  I'm assuming that's because my Venture X account was just opened a couple weeks ago.

AOD Visa Signature - 10K
PenFed Power Cash Rewards - 25K
Chase Sapphire Preferred - 18K
Capital One Savor One - 10K
Simmons Bank Visa Platinum - 7K
PenFed >PenFed Promise Visa - 5K
Chase Ultimate Rewards (AU) - 19K
Chase Ink Business Cash - 4K
Capital One Venture X - 30K
Message 3 of 12
WasteMgmt
Regular Contributor

Re: Options to downgrade Venture X to Venture card ? Just curious...

I was able to check options with the PC link that was somewhere in the forum before to see if I had anything. I had the no AF VentureOne and the $95 AF  Venture rewards cards. But I travel at least once a year so I'll just keep the VentureX. Hope this helps. 


CapitalOne Venture X, CapitalOne Quicksilver, Chase Sapphire Preferred, Chase Freedom OG, Chase Freedom OG, Amex BCE, Wells Fargo Autograph
Last application 5/2023
Message 4 of 12
Live4Fishing
Valued Member

Re: Options to downgrade Venture X to Venture card ? Just curious...


@WasteMgmt wrote:

I was able to check options with the PC link that was somewhere in the forum before to see if I had anything. I had the no AF VentureOne and the $95 AF  Venture rewards cards. But I travel at least once a year so I'll just keep the VentureX. Hope this helps. 


Thanks for the info.  So it looks like it may actually be possible.

Still curious if anyone out there has ever successfully downgraded to a Cap1 Venture from a Venture X

AOD Visa Signature - 10K
PenFed Power Cash Rewards - 25K
Chase Sapphire Preferred - 18K
Capital One Savor One - 10K
Simmons Bank Visa Platinum - 7K
PenFed >PenFed Promise Visa - 5K
Chase Ultimate Rewards (AU) - 19K
Chase Ink Business Cash - 4K
Capital One Venture X - 30K
Message 5 of 12
GZG
Valued Contributor

Re: Options to downgrade Venture X to Venture card ? Just curious...


@Live4Fishing wrote:

@WasteMgmt wrote:

I was able to check options with the PC link that was somewhere in the forum before to see if I had anything. I had the no AF VentureOne and the $95 AF  Venture rewards cards. But I travel at least once a year so I'll just keep the VentureX. Hope this helps. 


If you can find that link and post it in this thread... that would be awesome.  Didn't know Cap1 had a PC link people can use.


on desktop add "/productupgrade" to the end of the link when you're clicked into the Venture X account, that will show any PC options or show you this
image.png

You probably won't be able to see any options since the account is recently opened, try after 6 months and see if they offer you a PC down to V1 or Venture

You don't think you'll be able to take advantage of the travel credit? the anniversary bonus should make this an effective $-5 AF card 


Starting FICO 8:
Current FICO 8:


0/6, 3/12, 10/24
Message 6 of 12
Live4Fishing
Valued Member

Re: Options to downgrade Venture X to Venture card ? Just curious...


@GZG wrote:

@Live4Fishing wrote:

@WasteMgmt wrote:

I was able to check options with the PC link that was somewhere in the forum before to see if I had anything. I had the no AF VentureOne and the $95 AF  Venture rewards cards. But I travel at least once a year so I'll just keep the VentureX. Hope this helps. 


If you can find that link and post it in this thread... that would be awesome.  Didn't know Cap1 had a PC link people can use.


on desktop add "/productupgrade" to the end of the link when you're clicked into the Venture X account, that will show any PC options or show you this
image.png

You probably won't be able to see any options since the account is recently opened, try after 6 months and see if they offer you a PC down to V1 or Venture

You don't think you'll be able to take advantage of the travel credit? the anniversary bonus should make this an effective $-5 AF card 



Turns out the link does work.  But l did get the "Upgrade not available".  LIke you said it's too early to get approved for a PC or downgrade.  But I may just end up keeping the card if I travel enough to justify the annual fee of $395.  I just seem to have a natural aversion to AF's that are this much money.  I much prefer to pair up cards in echosystems with lower fees... but I try to be open-minded.

AOD Visa Signature - 10K
PenFed Power Cash Rewards - 25K
Chase Sapphire Preferred - 18K
Capital One Savor One - 10K
Simmons Bank Visa Platinum - 7K
PenFed >PenFed Promise Visa - 5K
Chase Ultimate Rewards (AU) - 19K
Chase Ink Business Cash - 4K
Capital One Venture X - 30K
Message 7 of 12
OmarGB9
Community Leader
Super Contributor

Re: Options to downgrade Venture X to Venture card ? Just curious...

Cap One doesn't do downgrades. At best, you can PC into something else *if* it's offered to you. You'd probably have to wait at least a year to even be eligible for a PC.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 8 of 12
Live4Fishing
Valued Member

Re: Options to downgrade Venture X to Venture card ? Just curious...

Okay...  so after doing more research I may have some other options with Cap1.  IF... and that's just an "if" at this point,  I ever want to cancel the Venture X and get the Venture card instead...   I can just apply separeately for the Venture card (before I even cancel the Venture X).   There is a myth out there you can only have two of the Cap1 personal cards at one time.  That is a false DP.  There are many people with 3 or more Cap 1 personal cards (as in non-business cards).  I confirmed this by calling their customer service who even told me there is not a limit of two personal cards with Cap1.  Even if I do cancel the Venture X next year... I still want the Venture card so I can still pair it with my Savor One.   So we'll see how it goes.   

AOD Visa Signature - 10K
PenFed Power Cash Rewards - 25K
Chase Sapphire Preferred - 18K
Capital One Savor One - 10K
Simmons Bank Visa Platinum - 7K
PenFed >PenFed Promise Visa - 5K
Chase Ultimate Rewards (AU) - 19K
Chase Ink Business Cash - 4K
Capital One Venture X - 30K
Message 9 of 12
OmarGB9
Community Leader
Super Contributor

Re: Options to downgrade Venture X to Venture card ? Just curious...


@Live4Fishing wrote:

Okay...  so after doing more research I may have some other options with Cap1.  IF... and that's just an "if" at this point,  I ever want to cancel the Venture X and get the Venture card instead...   I can just apply separeately for the Venture card (before I even cancel the Venture X).   There is a myth out there you can only have two of the Cap1 personal cards at one time.  That is a false DP.  There are many people with 3 or more Cap 1 personal cards (as in non-business cards).  I confirmed this by calling their customer service who even told me there is not a limit of two personal cards with Cap1.  Even if I do cancel the Venture X next year... I still want the Venture card so I can still pair it with my Savor One.   So we'll see how it goes.   


I don't know that I'd call it a myth

There are DPs around the forums indicating members were denied for having too many Cap One cards (excluding cobranded and business cards). There are some who get away with 3, but they seem to be more the exception than the rule. Either that or they had 3 before Cap One changed their rules (they used to have a 5 card limit). Also, I'd take anything a CSR says with a grain of salt. They aren't always the most knowledgeable about these kinds of things...


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 10 of 12
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.