Latest reviews

Reddit · r/CreditCards · 13 hours ago

A free upgrade from a green card to Platinum brought only so-so benefits, and the annual fee bill made it not worth keeping.

Reddit · r/CreditCards · 2 days ago

Opened the card and was blocked pending income verification; despite sending documents, the issuer closed it and still charged the annual fee. Escalating by phone did nothing, and a CFPB complaint eventually produced a courtesy credit of the fee.

Reddit · r/CreditCards · 2 days ago

Held the card and tried to justify the high fee with its credits, but found that paying for things they would not otherwise buy did not work for them. They plan to move away from it next month.

Reddit · r/CreditCards · 3 days ago

Pairs the Venture X with a Savor and says the annual travel credit and yearly miles more than cover the fee even with one trip a year. They also value the lounge access during layovers.

Reddit · r/CreditCards · 3 days ago

Had a trip cancellation claim covered by their Amex Platinum travel insurance despite split one-way flights on different airlines. They say it was paid without extra questions, though they note it is more restrictive than Chase.

Reddit · r/CreditCards · 3 days ago

Keeps the Sapphire Reserve even while not traveling internationally, for the 1:1 Hyatt transfers and a yearly Edit and dining credit they can use locally.

Reddit · r/CreditCards · 4 days ago

Holds both the Sapphire Preferred and the Navy Federal Flagship Premier and considers the Sapphire Preferred the better daily driver because of its extra 3% categories.

Reddit · r/CreditCards · 5 days ago

Has used the Venture X as an everyday card and recently redeemed its points for two business-class round trips to Japan, which they take as proof the card is worth it.

Reddit · r/CreditCards · 5 days ago

Holds the Venture X and just opened the Bilt Palladium. They like its stronger transfer partners and the higher portal redemption value compared with Capital One, and note no perk changes have been announced yet.

Reddit · r/CreditCards · 5 days ago

Pays property tax and IRS tax with the Venture X despite the card fee, since travel redemptions after a year and a half of heavy travel easily return well over 1 cent per point.

Reddit · r/CreditCards · 5 days ago

Holds both the Amex Gold and Venture X and says the Gold works well for them because it matches where they already spend on food.

Reddit · r/CreditCards · 5 days ago

Applied for the Strata Premier through a Rakuten offer and took the cash back as Bilt points, which they felt was a better deal than waiting for the bank's own bonus.

Reddit · r/CreditCards · 5 days ago

Uses the Bilt Palladium for lounge access since it is easy to earn back the annual fee through credits and it includes guest access.

Reddit · r/CreditCards · 5 days ago

New Platinum cardholder who cannot add the card to Uber to activate the monthly Uber Cash credit, despite Amex confirming no blocks and trying both Uber and Uber Eats.

Reddit · r/CapitalOne · 5 days ago

They were approved for the Venture X as only their third credit card with a modest score, and believe Capital One favors people who keep most of their accounts with it.

Reddit · r/CapitalOne · 5 days ago

They hold three Capital One cards but keep getting denied for the Venture X despite other premium cards elsewhere, which they think is because they are seen as not profitable.

Reddit · r/CreditCards · 6 days ago

They were approved for the Boundless the same day they applied, but the welcome bonus had not yet appeared on the app's bonus tracker, so they asked others whether it would show up.

Reddit · r/CreditCards · 6 days ago

They applied for the Boundless during the flash offer and were denied for the first time ever despite being well under 5/24 and a Chase Private Client, and Chase tried to steer them to a business card.

Reddit · r/CreditCards · 6 days ago

They use and pay off their Sapphire Reserve every month and are a Chase Private Client, but after an unexpected Boundless denial they are considering taking their business elsewhere when it renews.

Reddit · r/CapitalOne · 6 days ago

They received a Capital One invitation to apply for the Venture, applied and were denied, leaving them annoyed at the hard credit pull for nothing.

Reddit · r/CreditCards · 7 days ago

Applied for the card in August for the points-based welcome offer, found the points more flexible than free night awards, and is going for the second part of the offer too.

Reddit · r/CreditCards · 7 days ago

Signed up for the card days before the four free night offer appeared and asked Chase to switch offers; the rep declined, though they are not too bothered by the spend requirement of their existing offer.

Reddit · r/CreditCards · 7 days ago

They took a chance applying for the Marriott Bonvoy Boundless while sitting exactly at the 5/24 limit and were rejected, matching another commenter's experience in the thread.

Reddit · r/CreditCards · 7 days ago

They applied for the Boundless right around their Chase card anniversary and were instantly approved, even while sitting right at the 5/24 line.

Reddit · r/CreditCards · 7 days ago

They had just dropped below 5/24 the month before and were instantly approved for the Boundless during the flash offer, with no extra review.

Reddit · r/CreditCards · 8 days ago

Recently opened the card on the points-based welcome offer and wishes they had waited for the newer offer with four free night awards instead.

Reddit · r/CreditCards · 8 days ago

They were approved for the Boundless right after dropping to 4/24, having waited for a better welcome offer and prefering points over free nights. They were happy with the record-high points offer.

Reddit · r/CreditCards · 8 days ago

They applied for the Boundless for the elevated offer and were denied, losing a hard inquiry. They have strong credit and a Chase checking account, and believe Chase strictly enforces its 5/24 rule.

Reddit · r/CreditCards · 8 days ago

They opened the Boundless a month before the flash points offer appeared and feel the larger points bonus is much better than the free night certificates they took.

Reddit · r/personalfinance · 8 days ago

They use the Chase Sapphire Preferred to book hotels and flights for free worth far more than the annual fee, and argue carrying a fee card makes sense for disciplined users.

Reddit · r/CapitalOne_ · 10 days ago

VentureOne came with the highest starting credit line they had seen at Capital One, so they moved that line over to their SavorOne using the manage credit lines feature in the app.

Reddit · r/CapitalOne_ · 11 days ago

Opening a new VentureOne brought a credit line almost double the one they were refused as an increase on a SavorOne after a year and a half.

Reddit · r/personalfinance · 11 days ago

They use a VentureOne as their own starter card, paying it off in full every month, mainly to earn some miles on regular spending instead of nothing.

Reddit · r/CreditCards · 11 days ago

Keeps the card because the yearly free-night award more than offsets its low annual fee.

Reddit · r/CreditCards · 11 days ago

Keeps the Hyatt card for its annual free night, which can be worth much more than the fee.

Reddit · r/CreditCards · 11 days ago

Barely spends on it beyond work travel, but the travel credit and anniversary points cover the annual fee.

Reddit · r/CreditCards · 11 days ago

Keeps the card for free checked bags, discounted award flights and early boarding, with credits offsetting the annual fee.

Reddit · r/CreditCards · 11 days ago

Keeps the Marriott Boundless alongside an IHG card because the annual free night more than covers the fee.

Reddit · r/CapitalOne · 12 days ago

They found their Venture X starting limit generous but later credit limit increases unpredictable, one coming unprompted after they used it to book a vacation and paid it down.

Reddit · r/CreditCards · 13 days ago

They opened their United Explorer card in early September and hit the spend requirement within days, but the authorized user bonus miles still had not posted weeks later.

Reddit · r/CapitalOne · 13 days ago

They applied for the Venture and received the card, but it never appeared in their online banking, and customer service repeatedly asked for identity documents across several calls without resolving it.

Reddit · r/CreditCards · 13 days ago

They have held the Venture X since late 2023 but do not travel much themselves, and with lounge access now limited to the primary holder they question whether the card still pays for itself.

Reddit · r/CreditCards · 13 days ago

They hold the Venture X alongside a Sapphire Reserve and praise its price protection and price matching on flights, which return the difference as a travel credit, plus perks like the Global Entry credit.

Reddit · r/amex · 14 days ago

Many places in Prague did not accept the Gold.

Reddit · r/amex · 14 days ago

The Gold's hotel credits and baggage coverage make it pay them to travel.

Reddit · r/CreditCards · 14 days ago

Left after Bilt 1.0 and no longer trusts the company.

Reddit · r/CreditCards · 14 days ago

Won't do business with Bilt again after the end of 1.0.

Reddit · r/amex · 14 days ago

Bought two cars on the Platinum after letting Amex know.

Reddit · r/CapitalOne · 15 days ago

They had this card closed along with their other Capital One cards after one bounced autopay following surgery, even though they fixed and remade the payment right away.

Reddit · r/churning · 15 days ago

Says the Point Accelerator is not worth it and prefers Bilt Cash for rent points and hotels.

Reddit · r/amex · 15 days ago

Bought a replacement car on the Platinum and floated it until the insurance check came.

Reddit · r/amex · 15 days ago

A big vehicle purchase on the Platinum was easy and earned points.

Reddit · r/amex · 15 days ago

Bought a car abroad on the Sapphire Reserve and came out ahead.

Reddit · r/amex · 15 days ago

Put part of two car purchases on the Platinum with no fees.

Reddit · r/CreditCards · 16 days ago

They applied for the Rapid Rewards Plus after the sign-up offer increased, since they fly Southwest to school across the country. They were approved instantly with a higher limit than on their other cards.

Reddit · r/CapitalOne · 16 days ago

They were approved for the Venture after pre-approval, but after sending their ID the application was marked fraudulent with no explanation and no way to fix it, so they went elsewhere.

Reddit · r/CapitalOne · 16 days ago

They could not add their Venture X to a new phone or watch despite having the card in hand and being fully authenticated, and after many support calls were told to wait 30 days.

Reddit · r/amex · 16 days ago

Met the welcome bonus spend in about four months by using it as a debit card.

Reddit · r/CreditCards · 16 days ago

Uses the Venture X at Costco instead of the Costco card: the earnings are about the same, but the miles can be redeemed without waiting for a yearly coupon.

Reddit · r/CreditCards · 16 days ago

Finds the Sapphire Reserve close to perfect for them, but wishes hotel and dining credits were easier to use and that it earned 3x on gas and groceries.

Reddit · r/CreditCards · 17 days ago

They added an authorized user to their United Explorer card about two months in and waited roughly ten days for the bonus miles to post, with nothing showing as pending first. It did arrive in full.

Reddit · r/CapitalOne · 17 days ago

They were approved for the VentureOne with a modest starting limit and shared this while congratulating the original poster on getting the regular Venture.

Reddit · r/churning · 17 days ago

Redeemed Bilt Cash for hotels monthly; losing that devalues the card.

Reddit · r/churning · 17 days ago

Stacked hotel credit plus Bilt Cash was great for a two-night stay; the new cap is a loss.

Reddit · r/churning · 17 days ago

Plans to cancel Palladium cards over the latest Bilt changes.

Reddit · r/churning · 17 days ago

Says new rules kill the mortgage-via-Plastiq approach that relied on 4% Bilt Cash.

Reddit · r/churning · 17 days ago

Bilt Cash is more limited now that hotel redemptions drop to twice a year.

Reddit · r/CreditCards · 17 days ago

Best Bilt Cash uses were two hotel stays, so sticks with the old option.

Reddit · r/CreditCards · 17 days ago

Calls the 2027 changes a definite nerf to how they earned mortgage points.

Reddit · r/CreditCards · 17 days ago

Plans to drop the Platinum before its annual fee: the credits feel like a coupon book they can't justify, and they prefer the Gold since they don't travel often.

Reddit · r/CreditCards · 18 days ago

They chose the Venture early in their card journey and have had no problems, booking a few flights with their miles. With more experience, they wish they had gotten the Chase Sapphire instead.

Reddit · r/amex · 18 days ago

Uses the Resy, Dunkin, Uber and Dash credits.

Reddit · r/personalfinance · 19 days ago

A rental-car mirror damage claim was refunded without issue.

Reddit · r/amex · 19 days ago

Excellent travel card; pays off travel with points.

Reddit · r/amex · 19 days ago

Uses the Platinum for FHR bookings and the credits.

Reddit · r/amex · 19 days ago

Uses the Gold only for dining at 4x.

Reddit · r/amex · 19 days ago

Gave up the Gold after tiring of the coupon and credits game.

Reddit · r/amex · 19 days ago

Finds the Gold barely worth it after the annual fee.

Reddit · r/ChaseSapphire · 19 days ago

Moved from CSP to the Palladium and earns a lot of points.

Reddit · r/ChaseSapphire · 19 days ago

Found the rewards system extremely confusing.

Reddit · r/CreditCards · 21 days ago

Received no retention offer early this year and downgraded to a Custom Cash instead.

Reddit · r/churning · 21 days ago

Ten FHR nights in Asia cost very little out of pocket.

Reddit · r/churning · 21 days ago

Still slightly ahead in year two but expects a negative year three.

Reddit · r/churning · 21 days ago

Found a good THC hotel in Copenhagen with breakfast and a credit.

Reddit · r/CreditCards · 22 days ago

Downgrading and sock-drawering after the Hyatt devaluation.

Reddit · r/CreditCards · 22 days ago

Won't cancel over the FHR change but says it is no longer a no-brainer.

Reddit · r/CreditCards · 22 days ago

Enjoyed trying FHR hotels for one night when the credit made them competitive.

Reddit · r/CreditCards · 22 days ago

Got the card in August and used only one hotel credit before the change.

Reddit · r/churning · 22 days ago

The $300 hotel credit was a game changer for them.

Reddit · r/churning · 22 days ago

FHR got them into hotels they'd never have tried.

Reddit · r/churning · 22 days ago

Edit price matching has gotten them excellent deals.

Reddit · r/churning · 22 days ago

Keeps it for lounges, but the benefit cuts test that.

Reddit · r/churning · 22 days ago

Checking in with the Platinum skipped a lounge waitlist.

Reddit · r/churning · 22 days ago

Lounge waits kept them out for two years.

Reddit · r/churning · 22 days ago

Keeps the Venture X for the DFW lounge and the travel credit.

Reddit · r/churning · 22 days ago

Benefits were cut weeks after they signed up.

Reddit · r/churning · 22 days ago

With FHR cut and fewer Resy options, little value is left.

Reddit · r/churning · 22 days ago

Always uses the full Resy credit in NYC.

Reddit · r/churning · 22 days ago

Downgrading after the fee posted.

Reddit · r/churning · 22 days ago

The FHR credits changed how they book hotels.

Reddit · r/churning · 22 days ago

Finds the credits inflated and will probably drop the card.

Reddit · r/churning · 22 days ago

Uses the hotel credit for two-night stays in Asia.

Reddit · r/CreditCards · 23 days ago

Called Amex this month about retention offers on their own Gold Card and found none available. They suggest still making the call before closing, but keeping expectations low.

Reddit · r/CapitalOne · 23 days ago

They accepted the regular Venture for its first-year welcome offer after not being pre-approved for the X, and feel the offer makes it behave like a Venture X for the first year at the lower annual fee.

Reddit · r/CapitalOne · 23 days ago

They picked the regular Venture over the Venture X for the same first-year welcome offer, were approved with a decent limit, and plan to reassess the card and its hotel credit once the first year is over.

Reddit · r/CapitalOne · 23 days ago

They were approved for the Venture the week before posting and call it a wonderful card, joining the original poster in celebrating their own successful application.

Reddit · r/CapitalOne · 23 days ago

They have held their Venture for some time and say Capital One has raised their credit line a great deal along the way, offering encouragement to a new cardholder who just got approved.

Reddit · r/ChaseSapphire · 23 days ago

Finds the split StubHub and dining credits hard to use and the card too expensive for the value.

Reddit · r/delta · 27 days ago

Spent the required amount for the 80,000-mile welcome offer but the miles never posted, and Amex said the account did not qualify based on credit access and number of cards held, so they plan to cancel.

Reddit · r/CapitalOne · 27 days ago

They hold Capital One checking and savings plus several cards, and were approved right away for a Venture X and a Savor with zero issues, though they call the issuer inconsistent.

Reddit · r/amex · 27 days ago

Cancelled the Platinum over credit game playing and full lounges.

Reddit · r/CapitalOne · 28 days ago

They hold the Venture X but say they wish they had chosen the Savor instead, suggesting the travel card does not suit their everyday spending as well as a category cash back card would.

Reddit · r/CreditCards · 29 days ago

They got the Explorer earlier this year and have received several promotional offers for bonus miles, which at times made it their catch-all card in place of Freedom Unlimited.

Reddit · r/CreditCards · 29 days ago

They hold the United Explorer and call it a sleeper card, saying that simply carrying it without using it gives a large advantage on United travel.

Reddit · r/CreditCards · 29 days ago

They hold the United Explorer along with a Sapphire card and live near a United hub; the free checked bags for themselves and their spouse more than cover the annual fee, so they consider it worth it.

Reddit · r/amex · 29 days ago

Likes the Palladium, has maxed the accelerators, and has had no fraud problems.

Reddit · r/CreditCards · 29 days ago

Finds the Venture X portal tech cumbersome.

Reddit · r/amex · 29 days ago

Finds FHR's guaranteed 4pm checkout huge for their stays.

Reddit · r/CreditCards · 30 days ago

Uses the Apple TV and DoorDash credits, which cover dinner for two.

Reddit · r/amex · 30 days ago

Used one-night FHR stays before cruises; the two-night rule ends that.