![]() Capital One focuses on simplicity but has a card for every type of consumer, from those who have no credit or poor credit to those who have excellent credit. More details on software and accessibility are available at ’s no doubt that Capital One and American Express have become key leaders when we look at credit card issuers. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. Further information is available in our FICO Data Privacy Policy. ![]() When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Many factors affect your FICO Scores and the interest rates you may receive. Equifax Credit Report is a trademark of Equifax, Inc. Learn moreįICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Your lender or insurer may use a different FICO ® Score than the versions you receive from myFICO, or another type of credit score altogether. All rights reserved.Īll FICO ® Score products made available on include a FICO ® Score 8, and may include additional FICO ® Score versions. I’m not anti Capital One by any stretch-but make sure the card makes sense for you and is the best option for your needs.Ĭopyright ©2001- Fair Isaac Corporation. Heck-there are 2% no AF options that don’t pull all 3 CRA. But there are lots of 1.5% no AF options out there that don’t pull all 3 CRA. If your prequal is for the QS with no AF, that is your best option of the cards listed. I would try to product change your existing platinum card to QS (it won’t have an AF). 625% in effective rewards? If it does, then go for it.ĭo you travel a lot? Are you choosing these cards because they have good value for you? Or because Capital One said you’re prequalified? And if the latter, have you explored other options to see if you may be qualified for cards with considerably better reward options? Does it make sense for you to spend a lot on a card that might be earning. To get CLI with Capital One, you need to spend a lot and pay a lot. That promo is over at the end of this month though - but that’s really the only value I’m getting out of the card.ĭon’t fret over Venture One vs Venture-You need to spend more than $12.6K per year on the card to earn more on the Venture than the V1 (ongoing-not considering SUB or no AF first year). 625% cash back.Īs a VERY short term deal-I have a Venture One that I’ve been using to get 10x miles at. ![]() If you don’t have a lot of travel expenses and/or won’t be transferring to airline partners-with venture one, you’re earning. Or they can be transferred to airline partners. Or they can be redeemed at 1/2 value for statement credit. Venture miles can be redeemed at cash value for travel purchases. That is less than 1.5%, but consider how much over $2600 you’re going to spend to see the effective difference. ![]() Venture 1 will earn 1.25 “miles” per dollar spent (no break even spend needed). Rewards will be a straight 1.5% cash back that can be redeemed in any amount at cash value. You need to spend $2600/year to break even on the QS1. So my comments are assuming you’ve been offered the QS1 with annual fee. I’m guessing not the full quicksilver or your prequal would probably be for Venture vs venture one (with SL of at least $5k). Is your prequal for the Quicksilver or quicksilver One ? ![]()
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |