Referral for Capital One 的最牛卡 Venture X

[yazoo888]

2024 referrals for Venture X available NOW...
https://i.capitalone.com/JwfiyNmpL
===============

https://i.capitalone.com/JFk96ywWT

===Update 10/8/2023 ==== 90K pt after $4000 spending ====

被认为是目前最牛卡： Capital One Venture X
TYPICAL 75K pt, NOW 90K pt after $4000, LOW spending requiremetns

$395 年费 （副卡$0 年费） - $300 travel credit - 每年得 10K pt （$100 or more) - $Global Entry - $Priority Pass - more <= $0 有效年费！, 长期持有卡，基本等于没有年费 （$300 travel credit + 10K pt = $400 > $395 年费）

Venture X 是 Visa Infinite； 和 Chase Sapphire Reserve （$550 年费, 副卡$75), Amex Platinum ($695 fee， 副卡$195) 同级，但是年费少的多！！

副卡： $0年费， up to 4x Authorized users (AU). 每个AU 和主卡一样有Unlimited Lounge Access (Capital One Lounge & Priority Pass, 本人和2 Guests 免费）

[yazoo888]

up.

被认为是目前最牛卡： Capital One Venture X
75K pt after $4000, LOW spending requiremetns

$395 年费 （副卡$0 年费） - $300 travel credit - 每年得 10K pt （$100 or more) - $Global Entry - $Priority Pass - more <= $0 有效年费！, 长期持有卡，基本等于没有年费 （$300 travel credit + 10K pt = $400 > $395 年费）

Venture X 是 Visa Infinite； 和 Chase Sapphire Reserve （$550 年费, 副卡$75), Amex Platinum ($695 fee， 副卡$195) 同级，但是年费少的多！！

副卡： $0年费， up to 4x Authorized users (AU). 每个AU 和主卡一样有Unlimited Lounge Access (Capital One Lounge & Priority Pass, 本人和2 Guests 免费）

[SunnyA]

https://i.capitalone.com/JwfiyNmpL

被认为是目前最牛卡： Capital One Venture X
75K pt after $4000, LOW spending requiremetns

$395 年费 （副卡$0 年费） - $300 travel credit - 每年得 10K pt （$100 or more) - $Global Entry - $Priority Pass - more <= $0 有效年费！, 长期持有卡，基本等于没有年费 （$300 travel credit + 10K pt = $400 > $395 年费）

Venture X 是 Visa Infinite； 和 Chase Sapphire Reserve （$550 年费, 副卡$75), Amex Platinum ($695 fee， 副卡$195) 同级，但是年费少的多！！

副卡： $0年费， up to 4x Authorized users (AU). 每个AU 和主卡一样有Unlimited Lounge Access (Capital One Lounge & Priority Pass, 本人和2 Guests 免费）

牛在哪里？

[yazoo888]

福利详细介绍了啊，这个档次的卡，有效年费 $-5.

牛在哪里？

[SunnyA]

福利详细介绍了啊，这个档次的卡，有效年费 $-5.

还是不如Amex 和sapphire.

[yoyo6713]

you get three pulls on your credit reports. each pull is worth at least $800... this is the last card one should get.

[GAGAMA]

$300 travel credit 貌似只能用在他家自己的订票系统？

[yazoo888]

This is credit pull from three agencies, NOT three times, most cards will do that unless if you freeze some of three Credit Bureaus.

you get three pulls on your credit reports. each pull is worth at least $800... this is the last card one should get.

[yazoo888]

仁者見仁吧。 很多人沒辦法保留CSR or AMEX Plat 因爲不想付年費啊。
這個卡的負年費肯定對很多人是不錯的-- 帶來PP 和別的優惠。 除了 -$5 (负年费）, 最大一点 -- 免费加Up to 4 Authorized User （老婆孩子，老爹老妈，中国美国只要出行，都可以用到PP), 而且，每个AU和主卡的PP 和Capital One Lounge 福利同等，每个PP都可以带客人进去。

BTW, CSR 我已经拥有5+ years (应该很快会要关掉了）, Platinum 个人和Business 我都有。 这个Venture X is the one I will keep.

还是不如Amex 和sapphire.

[yoyo6713]

This is credit pull from three agencies, NOT three times, most cards will do that unless if you freeze some of three Credit Bureaus.

pull each agency once is counted as 3 to me. Let me give you an example, Barclays only pulls TU, Chase mostly pulls EXP and etc.
same 3 pulls you could have gotten at least 3 cards.

most cards pull 3 agencies is news to me. Cap1 won't approve you if you freeze some of big 3. I for one won't touch cap 1 with a 10 foot pole

[yazoo888]

I personally have high scrores and do not care about pull or not pull 。

If someone has to care that much about this, he/she either has played too much credit games or credit is not sufficiently good to not to care about credit scores.

But this will not change the facts of Venture X's good perks, even compared to CSR or Plat. If one ONLY wants to keep a good high-end card, with all the good perks with min maintenance cost, not wanting to play credit cards that much, Venture X is definitely one of the best.

pull each agency once is counted as 3 to me. Let me give you an example, Barclays only pulls TU, Chase mostly pulls EXP and etc.
same 3 pulls you could have gotten at least 3 cards.

most cards pull 3 agencies is news to me. Cap1 won't approve you if you freeze some of big 3. I for one won't touch cap 1 with a 10 foot pole

[yazoo888]

是的，他家机票/hotel 随便买一张就拿回了。 大多数人一家人一年总有需要吧， $300 就是 肯定要用的 cash back -- 对我来说。

$300 travel credit 貌似只能用在他家自己的订票系统？

[yoyo6713]

I personally have high scrores and do not care about pull or not pull 。

If someone has to care that much about this, he/she either has played too much credit games or credit is not sufficiently good to not to care about credit scores.

But this will not change the facts of Venture X's good perks, even compared to CSR or Plat. If one ONLY wants to keep a good high-end card, with all the good perks with min maintenance cost, not wanting to play credit cards that much, Venture X is definitely one of the best.

that wasn't my point, was it? off the bat you are leaving at least $800 * 2 on the table by going with capital one vs the alternatives.

[mmking]

这么复杂然后就赚$5？

[yazoo888]

Looks like you know little about this card or other similar ones -- people pay much higher AF for credit card's benefits. While the other ones require members to pay much higher AF, this one is giving you much more benefits and still give you $5 to keep the card EVERY Year(if application is approved).

For people do not travel or use the benefits, all the high AF cards are not worthy to keep or apply for， PERIOD.

这么复杂然后就赚$5？

[yazoo888]

I understand you value credit pulls very much， or $800 each pull.

But it is quite some work to many people to get that $800 /pull or not wanting to do that. To get each of the $800 you mentioned, you have to spend additional $5-10K typically, pay much higher front-end AF fee (eg. Chase CSR $550, Platinum $695).

No need to argue -- I personally think, for majority of people who do not like high Annual Fee, do not want to manufacture-spending (I bet $1 on this -- general public does not know this term without Googling, LOL) to make the "$800 per pull" (you know this very well for sure), having a $0 AF-Equivalent high-end card, each and every year, to have all the good benefits (for example, 4 free Authorized Users with SAME Priority Pass membership benefits) is a much simpler option (to keep for many years) and very valuable. With Venture X, you do not have to worry the annual fee from the 2nd year of membership, and every year after. For the other high-end cards (CSR, Platinum or alikes), you will have to worry about the annual fee right after the 1st year --

that wasn't my point, was it? off the bat you are leaving at least $800 * 2 on the table by going with capital one vs the alternatives.

[yazoo888]

NEW Link for 90K pt after $4000 spending, updated 10/9/2023

https://i.capitalone.com/JFk96ywWT

被认为是目前最牛卡： Capital One Venture X
75K pt after $4000, LOW spending requiremetns

$395 年费 （副卡$0 年费） - $300 travel credit - 每年得 10K pt （$100 or more) - $Global Entry - $Priority Pass - more <= $0 有效年费！, 长期持有卡，基本等于没有年费 （$300 travel credit + 10K pt = $400 > $395 年费）

Venture X 是 Visa Infinite； 和 Chase Sapphire Reserve （$550 年费, 副卡$75), Amex Platinum ($695 fee， 副卡$195) 同级，但是年费少的多！！

副卡： $0年费， up to 4x Authorized users (AU). 每个AU 和主卡一样有Unlimited Lounge Access (Capital One Lounge & Priority Pass, 本人和2 Guests 免费）

[yazoo888]

３ referrals left.

被认为是目前最牛卡： Capital One Venture X
75K pt after $4000, LOW spending requiremetns

$395 年费 （副卡$0 年费） - $300 travel credit - 每年得 10K pt （$100 or more) - $Global Entry - $Priority Pass - more <= $0 有效年费！, 长期持有卡，基本等于没有年费 （$300 travel credit + 10K pt = $400 > $395 年费）

Venture X 是 Visa Infinite； 和 Chase Sapphire Reserve （$550 年费, 副卡$75), Amex Platinum ($695 fee， 副卡$195) 同级，但是年费少的多！！

副卡： $0年费， up to 4x Authorized users (AU). 每个AU 和主卡一样有Unlimited Lounge Access (Capital One Lounge & Priority Pass, 本人和2 Guests 免费）

[yazoo888]

2 left

３ referrals left.

[yazoo888]

Update -- NEW Link -- 90K pt with $4000. spending.

https://i.capitalone.com/JFk96ywWT