VentureOne VS Venture?

[mattayy]

Hello,

What is the difference between the VentureOne card and the Venture card? Same with the QS1 and the QS? Is one easier to get than the other? Just curious!

[jsucool76]

ventureone is a useless card. quicksilver earns better rewards.

venture earns 2 points per dollar - 59$
ventureone earns 1.25 points per dollar - no af
quicksilver earns 1.5% cash back no af
quicksilver one earns 1.5% cash back with a 39$ annual fee

the ventureone isn't any easier to qualify for per second, just a gimmick card for "travel" when in reality the quicksilver gets you better rewards which can also be used for travel.

quicksilver one is easier to qualify for.

no one should have a ventureone

[deltatee]

I think the underwriting for venture and V1 are the same, while it is my understanding that the underwriting for QS is more difficult than for the QS1.  Other than the annual fee, the real difference appears to be the sign up bonus.  When I got my V1, it had a  better bonus than QS and also had a 1 year 0% APR.  The spend requirement for V1 was easier for me to achieve than for the Venture.  Also, based on my spending the V1 earns more for me than the Venture because of the annual fee.  However, after my introductory APR expires, I plan to PC to QS because excluding these introductory offers, QS is a slightly better card. 

[kdm31091]

As we have discussed in other recent thread where is basically no reason for anyone to have a Venture One. 1.25% only redeemable towards travel vs Quicksilver's 1.5% redeemable towards anything.

The Venture itself is good - 2% redeemable on travel - if you're going to spend enough to justify the $59 AF after year one. It takes a decent amount of spend for it to outperform a Quicksilver..

[Anonymous]

kinda off topic to Arrival question.....If you convert Arrival+ to Arrival, do you keep the miles and redeem it with 10% back towards travel cost????? You know, like Venture to VentureOne PC, without the 10%.

[jsucool76]

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@Anonymous wrote:

kinda off topic to Arrival question.....If you convert Arrival+ to Arrival, do you keep the miles and redeem it with 10% back towards travel cost????? You know, like Venture to VentureOne PC, without the 10%.

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You should, yes. Definitely something to ask a CSR. 

[Anonymous]

Thank you for the quick reply

[mattayy]

It seems weird the UW for both of them would be the same... 

[Anonymous]

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@mattayy wrote:

It seems weird the UW for both of them would be the same... 

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I actually doubt it is.

The regular Venture has a $5000 minimum, whereas I believe the VentureOne has a $3000 minimum. That suggests to me that there might be a subset of people to whom Capital One might feel comfortable extending $3000 in credit, but not quite $5000.

And I can see a very, very, very small advantage to a VentureOne when compared to a Quicksilver in a very, very, very small number of cases. The lowest APR extended on the VentureOne is 11.9%, whereas the lowest APR on the QS is 12.9%. I suppose if one were carrying such an enormous balance that a 1% savings in interest made a big enough difference to overcome the difference in rewards and one would qualify for the lowest APR for either card, it might be worth looking into the VentureOne instead. But this case seems so contrived that it seems silly to mention.

[Seatown1two]

I have the ventureone.  Went for it vs the venture because my spending doesn't justify the AF and I wanted the introductory APR which wasn't available on the venture.  I suppose it would have been a smarter move to get the venture and PC before the AF hits just to reap the benefit of the larger bonus.