Capital One Venture X - The #1 Credit Card of 2024?

[@marcusjlynn]

The 2X catch all aspect of the luxury card is way underrated. This is an amazing card regardless of how many people try to pick it apart.

[@JoeNoSay]

Can you explain ther 2x

[@marcusjlynn]

@@JoeNoSay it’s simple, all non-category spending gets 2 miles per dollar spend. So you either get 10X, 5X or 2X on all purchases.

[@Empty1x]

@@marcusjlynnplus being paired with the Savor One or Savor it makes it even more worth it

[@casualjay909]

​@Empty1x just got my savor one, if you dont mind me asking, how is it a perfect pair in your honest opinion

[@marcusjlynn]

@@casualjay909 they cover most of the spend categories with decent rewards. VX is your travel, plus catch all card. S1 is your food and entertainment card. The only significant spend category missing is gas, if that applies to you.

[@Hemingway97]

For those wanting to apply but unsure if they’ll get approved: I have 752 credit score, only Chase Cards, and applied off the hip after watching this video- and I got instantly approved. My card came in yesterday. Other people have different stories but this is my experience.

[@MikeMaye]

I was lucky to snag this card last month with the 90k bonus offer. The 2x on everything else makes it a good addition as a catch all card. So far its definitely a card I'll keep in my wallet and I can see myself having for a while...Great vid Daniel💥

[@SOXGATORS]

I hope you have a Merry Christmas 🎁🎄!!!

[@Daniel_Braun]

This is awesome, thank you so much for the Super Thanks and for a great year of comments here on my videos! Merry Christmas to you as well!

[@Wongo150]

This was my fourth credit card out of five and it’s hands down my favorite.

[@timk2083]

Please do a video on your 2-player strategy! I've been trying to convince my girlfriend to move on from her beginner credit card she got since college, and since I've personally only got three cards we're basically a blank slate for an optimal strategy

[@gphilpot1]

Luckily I called Capital One about using virtual CCs from my Savor card and the rep explained the Venture X card to me. I applied and was approved. She said, we will give you as many cards as you need 🤣. Bet they will. Luckily I already had the Savor Card with the $95 fee, yes I spend that much and still win. However I may move to the no fee version since after watching your other videos teaching me the Duo Card method. THANK YOU.

[@yurig2530]

Since Cap1 replaced $300 credit with $300 portal discount, I will be downgrading this card to Venture One or Venture. I do have Savor One too.

[@sjg6158]

Happy Holidays Dan. Thanks for the detailed review of the Venture X. Good work!

[@akanda_omo]

P2 was not getting pre-approved for any C1 card for the longest time. Three months after I added her as an authorized user on my Venture X card, she was approved for her own personal Venture X card. I would also suggest indicating that you often carry a balance when applying for any C1 card.

[@stuartelder2791]

Great video Daniel. Thanks. My wife was recently approved and I am an authorized user. After watching your video I realize there are more benefits then I thought such as a lot of transfer partners to yield better points value. Also the price match option on the Capital One Portal.

[@Curlylemur]

That price match sealed the deal for me applying for this card. I was on the borderljne but now im commit3d

[@SpencerJohnsonOfficial]

The Venture X is a card that I don't see myself canceling with how easy it is to get positive value from with even just one trip a year through their portal, but at the same time, I don't think it's as premium as people make it out to be. It's a great middle ground between cards like the Chase Sapphire Preferred and a true premium card like the Amex Platinum which puts it in a category of its own, and that's good and bad in some ways. Definitely still a powerful card as it sits right now though! Great video as always brotha 👊🏼 Side note: The Hertz Presidents Circle status has been one of the most underrated benefits of this card for my personal use. It's been amazing!

[@larsfreeburg1535]

I think the Amex plat lost a lot of its exclusivity and Amex customer service lacks what it once was. Though I agree with your overall statement, it’s hard to call the amex play a “true premium” card

[@thesunbeamin4304]

@@larsfreeburg1535Why do you think the plat lost the exclusivity aspect? I feel it’s the best imo in that category.

[@Enmanuel_V6]

@@thesunbeamin4304can you please explain to me how the Amex plat is a great card? Because I’m just not convinced

[@Isaiah094]

Really sucks I missed the 90k or I would’ve signed up with your ref. Just saw your new 2024 credit strategy video and came back here

[@alanhernandez3238]

We can keep picking this card apart but no card is perfect. It comes down to personal preference to be honest. This card is still one i will be applying for and combing it with my Amex gold card.

[@fuge511]

Don’t sleep on quantas as a shared transfer partner!!!

[@PhoMarket]

Thanks! I decided to get the card for the travel benefits after watching your video. Like you said, I was concern that I might get denied. So I gave the sign up the spouse trick you mentioned and Viola, instant approval even with a 750 score.

[@Michael-k4w7l]

I just looked it up. They brought back dining, spa, retail, gaming, and etc credits for priority pass users with venture x

[@scottshapiro2795]

If you don't mind travel portals, and don't care about hotel status, the Venture X is a great card. My wife and I travel about once or twice a year domestically (internationally every couple years), plus buying travel for her family. None of us care about status or a particular hotel chain, so the portal works great for us. If status matters to you, or you only stay at a certain hotel chain or fly a certain airline, or you don't like portals, the VX might not be the card for you.

[@1hundred1]

Just don't get why it's so hard to get this card. My credit is excellent (750+) miss no payments, hold barely any balances across my cards, have no capital one cards. It's just frustrating.

[@kungfoochicken08]

@@Shawn.creditCapital One is very odd in their underwriting. I was approved and I had 31 other cards open at the time with a combined available credit of 4x my annual income. There doesn’t seem to be a reasoning behind some of their denials.

[@andysok06]

with capital one, you have to have a relationship with them. if not, doesn't matter. if no relationship, i would say 780 score and high income.

[@kungfoochicken08]

@@andysok06 Capital One uses a proprietary algorithm to approve people. There’s some data points that show they have a tendency of declining you if they think you aren’t going to be profitable (ie, you’re not going to be accruing interest and late charges). I applied for the Venture X for my mom and she was declined. She has an Experian score of 784, no debt at all, 3 credit cards in her entire life, and an income in the mid-six-figures. It’s a bit of a crapshoot. At least they’ve been kind enough to create a pre-approval tool so people aren’t getting hard pulls anymore.

[@Hemingway97]

I have 752 credit score, only Chase Cards, and applied off the hip and got instantly approved. My cards came in yesterday for my wife and I. Not sure why the experience varies so much.

[@TheZombaslaya]

One thing I will say about the Capital One portal is they really are limited in rental car options. I'm currently in Montreal on vacation and wanted to try out the Hertz status that comes with my card. Unless I wanted to book from the airport I had to use another company, like Budget and Alamo, as there were no Hertz locations offered besides the airport. I even found a Hertz location in downtown Montreal with cars available for my dates, but it was missing from the travel portal. The same goes for Enterprise and National. Ended up booking an Alamo car instead.

[@AdamBA380]

Heads up Hertz presidential status doesn’t rely on use of the Capital One travel portal. You just have to register for it through Capital One and you can book directly with Hertz. Once you have Presidential status you can then status match with a couple other rental companies.

[@TheZombaslaya]

@@AdamBA380 That's true, but you don't get the 10x points if you book outside the portal.

[@AdamBA380]

@@TheZombaslaya ah I thought since you said you wanted to try out the Hertz status that it was your priority

[@loth6088]

In situations like this, it helps to call Capital One. Capital One travel agents will book a car for you and they can often find something on their end that you couldn’t find within the portal.. it’s a little weird and perhaps annoying to have to do that extra step. But it’s worth it if you’re very particular about what agency you like to rent cars from or what cars you get 🤷‍♂️ I’m sure there’ll be times when even Capital One agents can’t find what you’re looking for, but it never hurts to try.

[@druiz012]

C1 was really smart giving 2x on everything. Since this is my catch all card I will probably never get rid of this card. Also that I visit their awesome lounges 2-4 times a year doesn't hurt either.

[@kevinGvue]

I am really considering upgrading to this card from the venture card. The 2x on all purchases in itself is worth it. Tons of awesome travel perks.

[@JojoBeens]

If you spend more than $400 per year on travel (flights, shuttle, etc) it is more than worth it. And all the other perks are cherries on top that you may want to use at some point. Capital One price match is simple and makes the $300 credit very easy.

[@jamesgriffin7410]

does capital one price match travel sites? I struggle to justify using a portal for $30 in travel points when a travel site has it for $50 cheaper. Yet, if they price match everything then this is great. However, it seems like there might be some fine print on the price match that i am not aware of. Any ideas on what the catch is?

[@KChellis]

I want to know this too!

[@lily942]

Me too!

[@darthrevan1776]

I was denied 4 times before finally getting it over 1 year

[@themariogreiner]

How to make sure that a) the prices in the portal to redeem points aren’t higher than cheap sources such as Google flights? b) earning the miles/ points is better than cash back on everyday transactions and then again in a flight purchase transaction?

[@ryanccc777]

Great video. As they say mileage may vary. I travel 99% of the time with my family and value transferring 120k Chase points more for a Hyatt resort for a week then for a nicer round trip flight, that being said 100% of my Chase points go to Hyatt (I have gotten well over 4cpp on redemptions) and the VX is my PP airport lounge card that mostly sits in the sock drawer aside from the once a year use of the $300 credit because I book direct with hotels and airlines and not through portals. The VX transfer partners are not great from a hotel perspective and with their airline partners I would have to search for award flights and that does not allow for flexibility when traveling with family

[@annwaltzer]

Do you have the Hyatt credit card as well or do you just use your Chase Sapphire card to transfer to Hyatt?

[@ryanccc777]

@@annwaltzer I have the CSP (with CFU and CFF) and I have the Hyatt card too, I’m still within my first six month promotional period of the Hyatt card so the 2x now is better than the 1.5x catch all on the CFU. After the 6 months the Hyatt card will be only used for Hyatt stays / free night as the multipliers are not beneficial and less than the CFU etc.

[@coziii.1829]

Need to do a video on how to use the portal I never find what I need . And go outside the portal

[@CallMeLani]

I still have my eye on this card but am still only 65% sold on it. This breakdown was great. We'll see!

[@Creditcardnerd]

Got pre approved! But ima wait till later this year!

[@MattWelterOfficial]

Similar to you, I'm actually hoping to add the Venture X to my 2 Player Setup as well. Actually having my wife Lucia apply for the Card this weekend in hopes of getting approved due to flying out of DC twice next month (be able to utilize the new lounge) & also because I I love how simple & straightforward the Venture X is, if you are able to maximize the Travel Credit. Great video as always Daniel!

[@hector-1810]

Make sure to get the 90k offer. I just got it myself

[@robotnik1937]

Great video coverage of this card. It’s on my radar potentially in the future. Where did you buy that Henley from?

[@coreykleinman7902]

pretty sure its from CUTS. I own several shirts from them

[@Daniel_Braun]

It’s is Cuts! Sorry, I missed this comment - but they’re great shirts so I recommend 👍

[@rjspantikow]

I have 20 credit cards open (most recent opened 6 months ago, and a credit score of 800), they pre-approved me for this card.

[@JakeVanderPloeg]

Can’t wait to get this card in the next 6 months or so! Thanks for the info Daniel! Have you been to any of the 3 CO lounges yet??

[@coreykleinman7902]

He stated in the video he went to the one in Dallas

[@GraysonVoisinet]

I was looking for details on that 300 dollars credit. How to use them, I felt like they got rules and cannot use for flight fees

[@Bangpaulxu]

Question. Does your anniversary date start from the day you get approved for the card or the day you activate your card? Thanks

[@lilianamontoya2287]

Anyone knows if I have the card and I add my husband and son as author users they can get the global entry? I already have it.

[@1280ss]

Any chance you can make a video about the Capital One Spark 2X miles and maybe how it compares to the Venture X? Thanks!

[@janels114]

How do you do the duosetup. I have the savor one card too and just got approved for venture x today. Waiting for my card to get mailed in 😊

[@Sakurasan2023]

Great video 📹 👍

[@7hector]

I’ve been having the same problem getting this card. I have an over 800 credit score and can’t get it because of too many revolving accounts. 😢

[@kungfoochicken08]

I was approved in March with 31 other cards open at the time. Their underwriting is very odd.

[@cubswin1203]

Can you do a video comparing Venture X to Sapphire Reserve?

[@kungfoochicken08]

There’s a few of those videos out already. Capital One is the better card based on its fee structure. A big variable is how you value points and whether you’re loyal to any particular airlines or hotel brands. For example, if you prefer Hyatt hotels, then CSR is a substantially better card.

[@cubswin1203]

@@kungfoochicken08 thank you! I do prefer Hyatt’s ecosystem (hotels/resorts, rewards programs, etc) for sure.

[@kungfoochicken08]

@@cubswin1203 If you like Hyatt, definitely stay with Chase. Chase UR points to Hyatt is one of the best deals in the entire credit card game.

[@ahsanchoudhury4856]

so from what ive looked at recently most of the airlines have a 1:1 conversion ratio, if not lower. I havent seen any higher than 1:1 as per capital ones website. Is it different after applying for the card and actually having the points to transfer? I was most interesting in the 2-3 cents per mile you mentioned

[@rdck99]

Also wanting more info here

[@MissLauraSquared]

Hi Daniel, question for you. I recall you saying that your fiancée had the Venture X as the primary cardholder and you’re an authorized user. Which one of you is the primary cardholder for your Savor One card? My husband is the primary on our Venture X card and I am the primary on the Savor One and we are not able to transfer our cash back rewards from the Savor One to the Venture X. Do you know why this may be? Does the primary cardholder have to be the same on both cards?

[@timanderson7015]

With lounges dealing with overcrowding, I think they should both charge for extra cardholders, as well as not let them bring in guests. That should be a perk for the primary card holder.

[@fixit9888]

Hi, how does it work with cruise trips in terms of points? Thanks

[@njramsfan30]

Your reasons were same reasons why I was denied for venture x. It's been over a year. Thinking of trying again so I can pair with my savor one. But looks like you been denied over a year later again???

[@nordicgod32]

But, if you book a hotel through the. Spiral One Portal you will NOT earn hotel points (at least at Marriott’s or Hilton’s). Something to keep in mind.

[@rioclemens]

I thought they got rid of the lounges? Didn’t an email go out?

[@coxii8757]

just got it, we’ll see how it goes

[@omarvaldez2019]

One day I’ll join the club

[@habib080]

how do you get 2-3cpm? Where are you transferring those points too?

[@alanh287]

ive been thinking of getting this venture x card but all of my traveling is domestic (coast to coast). Do you think this card is worth it for me

[@kungfoochicken08]

It essentially comes down to whether you’re going to spend at least $400 in travel to offset the annual fee. The card is great for everyone based only on the 2x miles per dollar spent. You just need to make sure you can organically use the travel credits to offset your annual fee.

[@adam03scott]

Are you using the Venture as your regular catch all card instead of the Chase Freedom Unlimited?

[@TenaciousT1198]

so if im traveling from the states to europe a few times a year, this would be the best card?

[@chrissan6015]

can I use my savor one and transfer points to my wifes venture x of im an authorized user?

[@jerrywilliams408]

I started paying rent with this card and the 2x is a nice way to rack up the miles. I am aware of the Bilt card, but not certain I want to add it to the mix.

[@asishankam6552]

how u paying rent?

[@Jiggy609]

The bilt card is has $0 annual fee, has way better partners than C1, and is free to pay rent

[@KChellis]

I've heard Bilt is one of the few ways to earn AA points!

[@PandaKing550]

Is it worth trying to apply and use it even if I'm not sure I could reach that bonus? I'm basically waiting to get a travel card when I travel or I guess wedding expenses when I someday get married

[@shellyu1442]

I thought the 10x with booking on the travel portal isn’t a thing anymore since it’s not a statement charge but a $300 credit now.

[@matthewjennings7645]

Honestly it makes me wonder why Sapphire products don't have 1.5x flat amount like Freedom Unlimited, or Platinum/ B Platinum like BBP. Would be nice to actually use my premium card and give it a reason to be in my wallet not just booking travel

[@J0HN_3_16]

Capital One has horrible customer service. There are a few no annual fee cards that offer the same 2X. At least three no annual fee cards offer more than 2X.

[@johnl9135]

The only reason prevent me from getting this card is because I hardly travel. And the annual fee is not helping with my the decision. Honestly I don't like annual fee cards.

[@suryasashanknistala4441]

Does Venture X provide third party liability for auto rental?

[@mubinmomin9117]

lets say i book a package through expedia. will capital one still price match it?

[@yumyaml4934]

Does portal has frontier or spirit airline ? Chase portal does not

[@KChellis]

I don't think it does have the no frills airlines

[@ksbma]

Is the venture X considered a charge card?

[@Silvio67]

can i cancel credit card i don't use? will that affect my credit score?

[@ckwf98]

doesn't adding the annual $300 travel credit into the evaluation assume we will be booking the travel through the Cap 1 system? so for Year 1 if someone only wanted to book directly, it would be a $435 value? and Year 2 and beyond the AF would be $295? But the $300 annual travel credit could be combined after paying the AF for Year 2 to book a trip through the Cap 1 portal.

[@Daniel_Braun]

The $300 can’t be combined from year to year. But basically the $300 travel credit in the evaluation assumes that you will use it if you travel even 1-2 times per year. The good thing with Capital One travel is that they price match like I talked about - so from a pricing perspective it makes sense to use that travel credit first instead of booking direct

[@sgupta2010111]

anyone has 90K welcome bonus link?

[@RapidFireRetro]

When you applied twice, did the pre-approval tool show you would be approved? Pre-approval shows I'm good but I am still worried I will get denied.

[@DickGirthenlong]

If the Capital One portal says you're already approved for the card, you can trust it. I was approved for 4 cards with them and grabbed the regular Venture card. Chase does the same thing, I was pre-approved for both the Sapphire Preferred and the Reserve so I took the Reserve.

[@RapidFireRetro]

@@DickGirthenlong I've seen a few instances of pre-approvals for Venture X still resulting in a rejection when you finish the application. Especially with high-score bonus churning users. I appreciate the reassurance though!

[@DickGirthenlong]

@@RapidFireRetro no problem. Good luck!

[@Kwanini]

Torn between Venture X and Chase Freedom unlimited due to the unlimited matched cash back. No other chase cards btw

[@ryanccc777]

If you don’t have the CSP or CSR to transfer out Chase points for greater leverage then I would recommend the VX. I have the CFU, CFF, CSP and VX, I transfer all Chase points to Hyatt and the VX is effectively my lounge and benefits card

[@chrisdempsey3860]

Do additional users get TSA $100 credit?

[@ScotttyT1]

My favorite card for sure!

[@rileymuren2806]

The card is so hard to get I got decline with an above 6 figure job and a 760 credit score.

[@kungfoochicken08]

I got approved back in March with a 703 credit score, 40k income, and 31 other cards. Capital One underwriting seems to be crapshoot.

[@itruuth]

What if you find a better price on another portal like Chase? Do they price match that or just from the airline’s site?

[@Stephan905]

I'm not sure about chase (since that requires a login) but they match with Expedia and such. Also, I typically find that they have the cheapest price

[@BrianYYH]

I have excellent credit. Applied twice in a year and declined

[@dacvidz]

Would it be a waste to redeem miles for hotels instead of airfare if you frequently travel by car?

[@KChellis]

Not a waste at all! We just booked a resort for our vacation that was $760 for 2 nights and we used points for this luxury hotel! We're satisfied with our points redemption!

[@dacvidz]

@@KChellis were you able to get more than a 1 cent point value?

[@E_Crypto]

5x, 10x, or 100x points on spending doesn't matter. The only thing that matters is the redemption ratio and if it works for you.

[@valmillares]

If you get added as an authorized user on this card, when does it count towards your 5/24 status? Is it when the card was opened by the primary card holder or when you got added as an authorized user?

[@kungfoochicken08]

AU don’t count towards your 5/24 limit.

[@joeyz3566]

Question. Since there’s no interest for the first 15 months, if I didn’t pay the full balance on my first statement, would my credit score take a hit? I have full plans on paying the statement in full, but I am curious about this

[@93aMike]

It depends on what your utilization is. If you rack up $6,000 on a $10,000 credit limit then yes your credit score will tank. Up to 30% utilization, ideally less than 10% will have the least affect on your credit score.

[@joeyz3566]

@@93aMike Thank you

[@majiklantrn]

How accurate is the pre-approved Venture X process/site? I went through it and was pre-approved. Back in June, I was denied through the actual application process. The same reason Daniel received.

[@ChathamGames]

How many cards do you have active? I too am pre-approved but I'm really worried about getting denied.

[@mattskord9178]

You have the power to be the go-to channel for how to visit certain countries on points, how hotel and flight cards work, and underrated cards yet we keep seeing the same videos every month. Please consider branching out more but I understand you know your business and brand better. Just feel your target audience has already heard these tips and tricks before and for me I consider turning notifs off or unsubbing.

[@itskat55]

Its decent. New Lounges 👏🏽

[@alaorilla9716]

Cap1 won't give me any more cards because I have too many accounts. I have 20k credit lines with two other card companies but they won't give me more than $750. They don't like me 😞

[@wilfredpapaya4739]

Hope i get approved for this card this year.

[@nawendusingh2858]

TSA precheck is just for US citizens, and Global Entry is a tedious process. but the card is still worth it

[@aseelkhulaqi4911]

Arp is 30% 😅

[@hotkrnboe]

Is 90k bonus miles with referral link still available? If so, can anyone can share it?

[@Marshdom3]

No that offer has expired back in December

[@aaronhutchinson885]

Can anyone confirm if you can convert the points to pay the annual fee, other purchases?

[@tatianabritton6258]

Technically no but there’s a work around. You can’t go into the portal and use your points to pay for the annual fee BUT you can use your points to erase $395 worth of travel purchases made after the $300 travel credit has been exhausted.

[@aaronhutchinson885]

@@tatianabritton6258 thank you.

[@JoeNoSay]

Do you have to pay the initial $395 fee immediately?

[@Daniel_Braun]

Yeah within the first month or so

[@cerebrumexcrement]

the portal isnt that bad from my experience so far.

[@aahmd29]

This card is the best hands down.

[@kirklandguy015]

You forgot to mention that $300 travel credit won't give u the 5x miles when booked thru portal

[@SuperPinguino14]

They’re Inquiry Sensitive. Having Too Many Hard Inquires Denies You.

[@pysky4u]

What do you define as “too many”?

[@SuperPinguino14]

@@pysky4u 4 And Above.

[@SuperPinguino14]

@@pysky4uI Have Currently 5 And Got Denied, Even After One Year. I’m Waiting Until August To Apply For Venture X. I Will Have 1 Hard Inquiry On August.

[@SuperPinguino14]

@@pysky4uHello I I Know This Is Late But I Had 7 Hard Inquires At The Time And I Never Got Pre Apporved And I Just Got Approved For The Venture X On Sunday At 4 Hard Inquires.

[@L-Man-Gaming]

Everyone loves to talk about the card, but no one has tried to take a crack out how they will justify the annual fee increase when it inevitably happens. I think Ive seen someone say that the fee will be 495 which sounds right, and the travel coupon/credit will be broken down to two 200 credits where you use one in the first half of the year and the other in the second half. Anyways, thats where the conversation needs to head surrounding this card.

[@kungfoochicken08]

A fee and credit structure like you described is similar to what the CSR and other premium travel cards have and people seem to find value in them. Capital One is taking a loss on these cards to capture market share. Just be ready to re-evaluate the card when they decide to bring the fee up to market rate.

[@Kewl-vibes-only]

What is he gesturing to? I get distracted by that. Lol

[@djbrucewayne7777]

Im sorry but i have to disagree you are overlooking the value of this card Chase Sapphire Reserve . I do not like being locked into a portal for redemption 👌

[@cerebrumexcrement]

the portal is only for the 10x & 5x points. u can purchase a plane ticket directly from the airline with the venture x and pay it off with points.

[@kungfoochicken08]

@@cerebrumexcrementThe portal will price match anyone else too, so it’s not like they’re gouging you.

[@TenaciousT1198]

@@kungfoochicken08 so they price match hotels and flights?

[@kungfoochicken08]

@@TenaciousT1198 They will. You book it, then call up and tell them where it’s cheaper and they’ll give you a travel credit for the difference. You still get the 10x on the full amount too, so it actually works out better than a price match.

[@kungfoochicken08]

@@TenaciousT1198 They do. You have to make the purchase in the portal, then call them and they’ll give you a travel credit for the difference.

[@ItsMeCJ]

I’m here…so I’m first!

[@coreyw5981]

IF they ever accept me, im trying to decide on venture vs venture x. Anyone have any experience? Its same welcome bonus and same multipliers

[@chijason6630]

If you are doing any traveling, the Venture X is a no-brainer. The Venture X has a $395 annual fee, but the $300 travel credit via portal + 10k miles anniversary bonus gives it a positive yearly value - at 2 cents/mile, Capital One is giving you $95/year to keep the card (so long as you use the portal credit). The Venture comes with neither the travel credit or anniversary bonus, so the effective annual fee is the same as the listed fee - $95. Add in the lounge access, Hertz status, 10x on hotels and rental cars (Venture is 5x), and travel protections (not on the Venture), and the Venture X is a clear winner. Also, there are still referral links floating out there for a 90k bonus on the Venture X - I got the card in September 2023, when there was a publicly available link for a 90k welcome bonus.

[@coreyw5981]

@@chijason6630 thank you for that well laid out reply. Yea i guess Venture has nothing to offset the $95 at all. It just sucks im experiencing the same issues as Daniel getting it. I only now got offered the Venture One through pre-approval. Haha getting closer to one day being allowed the X!

[@bryantartus]

I don't understand why anyone would pay an annual fee to use a credit card, when credit card/Banks goal is to get you into debt.

[@Jiggy609]

You pay a fee but they give you value back in the form of miles and free hotel stays.

[@bryantartus]

@@Jiggy609 I get that but their ultimate goal is to put people into debt. everything is an incentive to get people to use the card and end up in debt. cant find the logic to pay an annual fee.

[@muheeblobanwala1187]

Do additional card holders get global entry credit?

[@JV_ApexPerpetual]

No they don’t, unfortunately.

[@Kaitokaz]

It’s crazy how he got declined for the card, and I’m only here because they’re trying to offer 90k points.