Capital One VentureOne Rewards Credit score Card Assessment (2021.2 Replace: 25k Supply)

2021.2 Replace: The brand new supply is 25k. HT: DoC.

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Advantages

1. 25k supply: earn 25,000 miles after spending $500 in first 3 months. The worth of the miles is $250.
2. Earn 1.25x miles on all purchases.
3. Earn 10x miles on 1000’s of accommodations, by way of January 2020; study extra at accommodations.com/enterprise .
4. The way to redeem the miles:
   1. [New] You may switch them to accomplice airline miles, the ratio for many of them is 2:1.5, together with: AV, AC, CX, and so on.
   2. You may redeem the miles for assertion credit score to cowl journey bills at a set ratio 1 cent/mile.
   3. It’s also possible to redeem the miles for some reward playing cards at a set ratio 1 cent/mile.
   4. It’s also possible to redeem for money, however the ratio could be very low, solely 0.5 cents/mile.
5. No international transaction charge.
6. No annual charge.

Disadvantages

1. Capital One will pull all three main credit score bureaus (Experian, TransUnion, Equifax) for one bank card software!

Really helpful Software Time

1. We advocate you apply for this card after you’ve a credit score historical past of no less than two years and you might be very comfy with the bank card recreation.
2. [1/6 rule] You may solely apply for 1 Capital One bank card for each 6 months, together with each private and enterprise bank cards. You’re going to get computerized denial in case you violate this rule, however there might be no arduous pull.

Abstract

The sign-up bonus is respectable for a no annual charge card. Additionally it is good that this card has no International Transaction Price (FTF) AND no annual charge. Nonetheless, the same card BoA Journey Rewards Credit score Card is healthier in most elements. There’s additionally a card PayPal Cashback Mastercard, which earns 2% cashback on the whole lot with no annual charge and no FTF (although it doesn’t have any sign-up bonus). You also needs to watch out that Capital One will pull all three main credit score bureaus (Experian, TransUnion, Equifax) for one bank card software (see Traits of Main Banks for extra particulars).

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