Latest reviews

Reddit · r/CreditCards · yesterday

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 · 3 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 · 3 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 · 4 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 · 4 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 · 4 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 · 5 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 · 6 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 · 6 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 · 6 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 · 6 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 · 6 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 · 6 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 · 6 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 · 6 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 · 6 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 · 7 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 · 7 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 · 7 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 · 7 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 · 8 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 · 8 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 · 8 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 · 8 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 · 8 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 · 9 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 · 9 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 · 9 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 · 9 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 · 9 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_ · 11 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_ · 12 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 · 12 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 · 12 days ago

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

Reddit · r/CreditCards · 12 days ago

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

Reddit · r/CreditCards · 12 days ago

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

Reddit · r/CreditCards · 12 days ago

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

Reddit · r/CreditCards · 12 days ago

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

Reddit · r/CapitalOne · 13 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 · 14 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 · 14 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 · 14 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 · 14 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 · 15 days ago

Many places in Prague did not accept the Gold.

Reddit · r/amex · 15 days ago

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

Reddit · r/CreditCards · 15 days ago

Left after Bilt 1.0 and no longer trusts the company.

Reddit · r/CreditCards · 15 days ago

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

Reddit · r/amex · 15 days ago

Bought two cars on the Platinum after letting Amex know.

Reddit · r/CapitalOne · 16 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 · 16 days ago

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

Reddit · r/amex · 16 days ago

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

Reddit · r/amex · 16 days ago

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

Reddit · r/amex · 16 days ago

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

Reddit · r/amex · 16 days ago

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

Reddit · r/CreditCards · 17 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 · 17 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 · 17 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 · 17 days ago

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

Reddit · r/CreditCards · 17 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 · 17 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 · 18 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 · 18 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 · 18 days ago

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

Reddit · r/churning · 18 days ago

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

Reddit · r/churning · 18 days ago

Plans to cancel Palladium cards over the latest Bilt changes.

Reddit · r/churning · 18 days ago

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

Reddit · r/churning · 18 days ago

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

Reddit · r/CreditCards · 18 days ago

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

Reddit · r/CreditCards · 18 days ago

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

Reddit · r/CreditCards · 18 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 · 19 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 · 19 days ago

Uses the Resy, Dunkin, Uber and Dash credits.

Reddit · r/personalfinance · 20 days ago

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

Reddit · r/amex · 20 days ago

Excellent travel card; pays off travel with points.

Reddit · r/amex · 20 days ago

Uses the Platinum for FHR bookings and the credits.

Reddit · r/amex · 20 days ago

Uses the Gold only for dining at 4x.

Reddit · r/amex · 20 days ago

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

Reddit · r/amex · 20 days ago

Finds the Gold barely worth it after the annual fee.

Reddit · r/ChaseSapphire · 20 days ago

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

Reddit · r/ChaseSapphire · 20 days ago

Found the rewards system extremely confusing.

Reddit · r/CreditCards · 22 days ago

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

Reddit · r/churning · 22 days ago

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

Reddit · r/churning · 22 days ago

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

Reddit · r/churning · 22 days ago

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

Reddit · r/CreditCards · 23 days ago

Downgrading and sock-drawering after the Hyatt devaluation.

Reddit · r/CreditCards · 23 days ago

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

Reddit · r/CreditCards · 23 days ago

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

Reddit · r/CreditCards · 23 days ago

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

Reddit · r/churning · 23 days ago

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

Reddit · r/churning · 23 days ago

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

Reddit · r/churning · 23 days ago

Edit price matching has gotten them excellent deals.

Reddit · r/churning · 23 days ago

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

Reddit · r/churning · 23 days ago

Checking in with the Platinum skipped a lounge waitlist.

Reddit · r/churning · 23 days ago

Lounge waits kept them out for two years.

Reddit · r/churning · 23 days ago

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

Reddit · r/churning · 23 days ago

Benefits were cut weeks after they signed up.

Reddit · r/churning · 23 days ago

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

Reddit · r/churning · 23 days ago

Always uses the full Resy credit in NYC.

Reddit · r/churning · 23 days ago

Downgrading after the fee posted.

Reddit · r/churning · 23 days ago

The FHR credits changed how they book hotels.

Reddit · r/churning · 23 days ago

Finds the credits inflated and will probably drop the card.

Reddit · r/churning · 23 days ago

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

Reddit · r/CreditCards · 24 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 · 24 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 · 24 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 · 24 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 · 24 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 · 24 days ago

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

Reddit · r/delta · 28 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 · 28 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 · 28 days ago

Cancelled the Platinum over credit game playing and full lounges.

Reddit · r/CapitalOne · 29 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 · 30 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 · 30 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 · 30 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 · 30 days ago

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

Reddit · r/CreditCards · 30 days ago

Finds the Venture X portal tech cumbersome.

Reddit · r/amex · 30 days ago

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

Reddit · r/CreditCards · 31 days ago

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

Reddit · r/amex · 31 days ago

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

Reddit · r/amex · 31 days ago

Used one-night FHR stays on side trips; may drop the card after the change.

Reddit · r/amex · 31 days ago

Uses many one-night FHR stays a year but will cancel over the change.

Reddit · r/amex · 31 days ago

Books one FHR night alongside direct nights at InterContinental.

Reddit · r/amex · 31 days ago

FHR bookings still got their InterContinental status and points.

Reddit · r/amex · 31 days ago

Mainly uses the Platinum for FHR and finds little use for the points.

Reddit · r/amex · 31 days ago

Never finds the hotel credit worth it versus booking direct.

Reddit · r/amex · 31 days ago

Amex Travel has always been pricier than other sites for them.

Reddit · r/amex · 31 days ago

Got the card for FHR and used it for two stays in Hawaii.

Reddit · r/amex · 32 days ago

A long-time Amex holder who keeps the Platinum mainly for FHR.

Reddit · r/amex · 32 days ago

FHR is a main reason their household keeps three Platinums.

Reddit · r/amex · 32 days ago

Has gotten no value from the airline credit in years.

Reddit · r/amex · 32 days ago

The FHR change is pushing them to cancel their Schwab Platinum.

Reddit · r/amex · 32 days ago

One-night FHR stays came in clutch for their annual overnight events.

Reddit · r/amex · 32 days ago

Uses FHR at the Rosewood Georgia when passing through Vancouver.

Reddit · r/CapitalOne · 33 days ago

They were approved for the Venture but the card arrived restricted, requiring repeated ID and proof-of-residence documents and a three-way call with their bank before they could use it.

Reddit · r/CapitalOne · 33 days ago

They were approved for the Venture with a low credit limit and hit account restrictions before the card even arrived; they plan to take the bonus and then stop using it.

Reddit · r/CapitalOne · 35 days ago

They have had the VentureOne for about three years while rebuilding their credit; Capital One once restricted the card and later restored their privileges, but a limit increase request was denied.

Reddit · r/CreditCards · 36 days ago

Niche use of the card: 5x on hotel bookings with points transferred 1:2 to Choice or Wyndham, which is surprisingly good value, especially for Wyndham.

Reddit · r/CreditCards · 37 days ago

All spend now goes on the Palladium.

Reddit · r/CreditCards · 37 days ago

About 2.9x effective earn this year on the Palladium.

Reddit · r/CreditCards · 37 days ago

Moved all spend to the Palladium for the 3.33x.

Reddit · r/CreditCards · 37 days ago

Waited a year for approval, then the Palladium took most of their spend.

Reddit · r/CreditCards · 37 days ago

Redeemed hotel credits plus Bilt Cash and replaced their Venture X.

Reddit · r/CreditCards · 38 days ago

They applied after an email promising up to a higher bonus but were offered only 50K miles plus a statement credit. They withdrew and retried with the same result, and were disappointed despite excellent credit.

Reddit · r/CreditCards · 39 days ago

Holds the Strata Premier mainly as a points hub, pooling points from their Custom Cash cards into it for 1:1 American Airlines transfers while using other cards for travel and lounge access.

Reddit · r/amex · 40 days ago

Three months into the Delta Gold, two trips with checked bags covered the annual fee, the Delta Stays credit posted in days at fair portal prices, and an Amex Offer added a bonus.

Reddit · r/amex · 40 days ago

Never uses the Delta Gold for spending but keeps it for free checked bags, which let a large family check every bag on trips and cover the card within a couple of flights.

Reddit · r/amex · 40 days ago

Signed up for the Delta Gold a month earlier for the welcome bonus and finds the free checked bag nice, but is undecided about keeping or downgrading when the annual fee comes due.

Reddit · r/amex · 40 days ago

Has kept the Delta Gold for a few years for the points discount, Delta Stays credit, an occasional checked bag and the rideshare credit; never spends on it but breaks even with one trip.

Reddit · r/amex · 40 days ago

Used the Delta Gold for the first time on a points redemption flight and saw the card discount take a meaningful number of points off the booking.

Reddit · r/Chase · 40 days ago

Entering a MileagePlus number unlocked discounted award fares in the portal about a week before the physical card arrived in the mail.

Reddit · r/CreditCards · 40 days ago

Uses Hyatt transfers, The Edit, StubHub and the dining credit but is unsure about keeping the card.

Reddit · r/CreditCards · 40 days ago

A Sapphire Reserve holder since 2016 who cancelled because of the fee increase and the coupon-book changes.

Reddit · r/CreditCards · 40 days ago

Closed the Sapphire Reserve because they do not use most of the new benefits.

Reddit · r/CreditCards · 40 days ago

Finds the refreshed Sapphire Reserve easier than ever to get value from, even though it is less travel-focused.

Reddit · r/ChaseSapphire · 41 days ago

The larger DoorDash credit was forced onto a grocery order they wanted to save.

Reddit · r/ChaseSapphire · 41 days ago

Heavy DoorDash users find the credits cover the authorized-user fee.

Reddit · r/CreditCards · 41 days ago

A Sapphire Reserve holder since launch who downgraded when the new fee hit, after no retention offer.

Reddit · r/CreditCards · 41 days ago

Has used Amex partner lounges at small airports with no waitlist, which they value above Centurion lounges.

Reddit · r/CreditCards · 41 days ago

Downgraded after years when their military fee waiver ended and the refresh cut portal value.

Reddit · r/CreditCards · 41 days ago

A Sapphire Reserve holder since launch who still gets over $1,000 a year from credits and lounges, despite no retention offer.

Reddit · r/CreditCards · 41 days ago

Uses the Sapphire Reserve return protection when sellers will not take items back.

Reddit · r/CreditCards · 41 days ago

Goes to concerts regularly and stacks the Sapphire Reserve StubHub credit with Paze and cashback.

Reddit · r/amex · 42 days ago

Used the Delta Gold to get back into Amex after a bankruptcy, then added several more Amex cards within a year before closing the Delta Gold when they stopped flying Delta.

Reddit · r/amex · 42 days ago

They use the Venture X as a backup card and are slowly moving it toward being their main card, loving the 2x points earned on every purchase.

Reddit · r/amex · 43 days ago

Rebuilding credit after bankruptcy, they were approved for the Delta SkyMiles Gold with a small bonus and limit, and are thrilled to hold an Amex again.

Reddit · r/amex · 43 days ago

They have used the Venture X together with an Amex Gold for years and are happy with the combination, while their Sapphire Preferred has become a card that stays in the drawer.

Reddit · r/amex · 43 days ago

They use the Venture X as a backup where Amex is refused, taking advantage of all its credits and the flat 2x earning, and like that Visa is accepted nearly everywhere.

Reddit · r/ChaseSapphire · 43 days ago

Finds the new DoorDash credit a positive change overall.

Reddit · r/ChaseSapphire · 43 days ago

Used the DoorDash restaurant credit at Chipotle monthly and welcomes the bigger credit.

Reddit · r/CreditCards · 44 days ago

They saw an advertised welcome bonus of up to 80K on the Delta Gold card but were shown only 50K on their application, possibly as a first Amex card. They found it uncompetitive with other travel cards.

Reddit · r/amex · 44 days ago

They opened the Capital One Venture a month earlier as a backup for places that do not take Amex, but they dislike nearly everything about it, including the app and customer service, and wish they had chosen Chase.

Reddit · r/amex · 44 days ago

They track their Amex Platinum benefits in a spreadsheet and use Clear, Uber, entertainment and Walmart+ credits, plus points for travel, and say they clearly more than cover the annual fee.

Reddit · r/CreditCards · 44 days ago

They downgraded their Venture to a VentureOne and Capital One refunded the prorated annual fee, a smooth product change experience with no hassle over the fee.

Reddit · r/CreditCards · 44 days ago

They product-changed their Venture down to a Quicksilver before the third annual fee posted, near the two-year mark, and received a prorated refund of the fee.

Reddit · r/CreditCards · 44 days ago

They downgraded their Venture X to a VentureOne after a year, but Capital One kept the posted annual fee and a manager refused to remove it until they closed the account, after which the fee was cancelled.

Reddit · r/CreditCards · 44 days ago

They product-changed their VentureOne to a Savor a week before the first anniversary, noting Capital One requires the change before the annual fee posts.

Reddit · r/CreditCards · 44 days ago

Bilt customer service seemed on par with other issuers.

Reddit · r/ChaseSapphire · 44 days ago

The new DoorDash credit only applies to the subtotal and the grocery credits vanished.

Reddit · r/ChaseSapphire · 44 days ago

No grocery pickup and marked-up prices make the DoorDash credit worth little.

Reddit · r/ChaseSapphire · 44 days ago

Can't choose which DoorDash credit applies first.

Reddit · r/ChaseSapphire · 44 days ago

Uses the DoorDash credits on small 7-Eleven pickups all summer.

Reddit · r/ChaseSapphire · 44 days ago

Uses the DoorDash grocery credits monthly on coffee beans from a DashMart near work.

Reddit · r/ChaseSapphire · 45 days ago

Got five free nights in Bangkok with the Sapphire Reserve IHG credit.

Reddit · r/ChaseSapphire · 45 days ago

Has got great value from the hotel credits in Asia and Sydney.

Reddit · r/ChaseSapphire · 46 days ago

They were hit by the annual fee with no retention offer and have used the dining, rideshare, ticket and travel credits. They are weighing a downgrade and how to time it around an upcoming hotel stay.

Reddit · r/CreditCards · 46 days ago

They had their Sapphire Reserve trip delay cover pay out during mass American Airlines cancellations from crew shortages, though some meal expenses for non-immediate family were rejected.

Reddit · r/CreditCards · 46 days ago

They were approved for the Venture on the limited-time offer and received the hotel stays credit about two weeks after approval, with an email from Capital One confirming it.

Reddit · r/CreditCards · 47 days ago

They own the VentureOne but keep it in a drawer, using it only when Capital One shopping offers give good miles, and plan to add the Venture X and later turn the VentureOne into a Savor.

Reddit · r/CreditCards · 47 days ago

Went straight for the Venture X and finds the annual fee a wash with the travel credit and anniversary miles.

Reddit · r/amex · 47 days ago

A large purchase on their brand-new Amex Platinum was declined; Amex said new accounts have a lower spending limit until there's more activity.

Reddit · r/CapitalOne · 48 days ago

They just received their Venture credit card and are looking forward to the sign-up bonus, asking how best to use it and which card to upgrade to next.

Reddit · r/CapitalOne · 49 days ago

They were approved for the Venture X and would choose it over the Savor if they had to pick only one of the two Capital One cards, favoring its travel benefits.

Reddit · r/CreditCards · 49 days ago

They and their spouse have used the Venture (not the X) for personal purchases for years and appreciate the cash back, though they are weighing it against an Alaska card for airline perks.

Reddit · r/CapitalOne · 50 days ago

They had a returned payment from another bank, called to explain and paid another way, and a rep said all would be fine. Two weeks later Capital One closed their Venture X anyway.

Reddit · r/ChaseSapphire · 50 days ago

They keep the Sapphire Reserve and an Amex Platinum mainly for the perks like lounges and trip protection, and are fine with the annual fee as long as they roughly break even on it.

Reddit · r/CreditCards · 51 days ago

They were approved for the hard-to-get Venture X despite holding many cards, after pausing new applications for about six months ahead of a mortgage.

Reddit · r/CreditCards · 52 days ago

They applied for the Venture card for the elevated bonus and were rejected despite an excellent credit profile and a long-held Quicksilver. They suspect Capital One avoids applicants with many open cards.

Reddit · r/CreditCards · 52 days ago

They gave up on a Chase application after a denial caused by an authorized-user account, and then got a Venture X from Capital One with no issue at all.

Reddit · r/ChaseSapphire · 53 days ago

A claim was mishandled so badly it took enormous time to resolve.

Reddit · r/CreditCards · 53 days ago

Credits were annoying to manage and the extra points did not beat the annual fee.

Reddit · r/CapitalOne · 57 days ago

They applied for the VentureOne because of an advertised bonus and 0% APR period, but neither appeared once the account was created, and support simply said they did not qualify for the offer.

Reddit · r/CreditCards · 57 days ago

They signed up for the Venture and confirmed that the hotel credit showed up once the physical card shipped, with no need to wait for the spending requirement to be met.

Reddit · r/CreditCards · 58 days ago

They hold a modest balance of Venture miles and found they could barely book anything on the Capital One travel site, so they asked how best to redeem them for a domestic flight.

Reddit · r/CreditCards · 58 days ago

They hold the Venture X and considered returning to the Sapphire after the lounge perk changes, but ended up choosing a different premium card for its lounge access and elite status instead.

Reddit · r/CapitalOne · 59 days ago

They saw many fraudulent PayPal miles redemptions on their Venture Rewards card even after reporting fraud, and found phone support unable to explain it, opening new cases and sending a new card without overnight shipping.

Reddit · r/CreditCards · 60 days ago

Annual fee just posted and they plan to downgrade to a Double Cash, since they do not value Citi's transfer partners as much as other issuers' and want fewer cards.

Reddit · r/CreditCards · 60 days ago

They use their Venture X for travel purchases through the Capital One portal for mile multipliers, plus the annual credit and the Visa Infinite travel insurance.

Reddit · r/CreditCards · 60 days ago

Uses Uber Eats, Grubhub and Resy credits that cover the annual fee.

Reddit · r/CreditCards · 60 days ago

Both home airports have a Capital One lounge and the $300 credit is super easy to use.

Reddit · r/CreditCards · 61 days ago

Not worth the headache of going in circles with support for a few points.

Reddit · r/CreditCards · 62 days ago

They used their last 5/24 slot on the United Explorer card for an elevated sign-up offer and now feel it is weak compared with other airline cards at the same price, considering an upgrade to the Quest later.

Reddit · r/CreditCards · 64 days ago

They got the Boundless for the five free night offer and used all five nights at a Residence Inn in Maui, paying only a small extra amount for the whole family trip, which they called their best vacation.

Reddit · r/CapitalOne · 64 days ago

They had their Venture X closed after one payment was made from the wrong bank account, despite more than 20 years with the bank. They reapplied the same day and were approved for a lesser card instead.

Reddit · r/ChaseSapphire · 64 days ago

Stacked the new Sapphire Reserve DoorDash credit with a promotion to get $40 of groceries for $15.

Reddit · r/CreditCards · 66 days ago

They opened the Venture a week before a richer limited-time bonus appeared and called Capital One asking for a match, but the request was refused and they called the timing terrible.

Reddit · r/ChaseSapphire · 67 days ago

They used their Chase Sapphire Preferred in China through WeChat and Alipay and earned only the base rate on everything, with a service fee on larger Alipay transactions charged separately by the app.

Reddit · r/CapitalOne · 67 days ago

They have not been offered the plain Venture for nearly a year despite excellent credit, only the Venture X, and say an earlier hard pull for the plain Venture ended in a denial.

Reddit · r/CapitalOne · 67 days ago

They held the no-fee VentureOne for five years and then upgraded to the Venture recently, noting they had never looked at the special offers page until just before upgrading.

Reddit · r/CapitalOne · 67 days ago

They are a reseller who held Venture, VentureOne and Venture X for around five years, and all three were closed overnight with no way to get them reinstated. They simply accepted the loss and moved on.

Reddit · r/CapitalOne · 67 days ago

They product-changed their Venture One to the Venture and were denied a limit increase right afterwards, though Capital One unexpectedly raised their limit a few months later while they were requesting increases elsewhere.

Reddit · r/CreditCards · 67 days ago

They have used the Amex Gold as their main grocery and dining card for several years and value its transfer partners, which have paid for a good amount of travel.

Reddit · r/CreditCards · 67 days ago

Averaging over 4 points per dollar excluding the sign-up bonus.

Reddit · r/ChaseSapphire · 67 days ago

Chase immediately credited a disputed hotel damage charge after one quick call.

Reddit · r/CapitalOne_ · 68 days ago

Earned miles through merchant offers with the same transfer partners and rates before upgrading to a Venture X.

Reddit · r/CapitalOne · 68 days ago

They had three of their Venture cards closed suddenly and permanently, after a returned payment months earlier that they cured at once. Reps and supervisors gave no clear reason and said the closure could not be undone.

Reddit · r/CapitalOne · 68 days ago

They held a Venture X since 2022 until Capital One abruptly closed it, citing activity inconsistent with normal patterns. They got no explicit reason, no annual fee refund and no compensation for lost points, and are winding down their Capital One relationship.

Reddit · r/CapitalOne · 69 days ago

They use their Venture for everyday spending and pay it in full each cycle, and say Capital One has consistently given them generous credit limit increases whenever they ask, even every couple of months.

Reddit · r/CapitalOne · 69 days ago

They hold a Venture and found that an online product change to a no-fee Savor was not available, with Capital One phone support confirming no other options; they suspect their account is stuck in an old credit bucket.

Reddit · r/CreditCards · 69 days ago

Finds it complicated but manageable; used for Alaska transfers.

Reddit · r/personalfinance · 70 days ago

They carry a Cap1 Venture despite its annual fee because it includes travel and rental insurance and other perks, and it adds to a strong monthly rewards haul alongside two no-fee cards.

Reddit · r/ChaseSapphire · 70 days ago

Got great value redeeming points through Chase's travel portal at the 1.5x bonus, and finds the transfer partners too restrictive for how they travel.

Reddit · r/CapitalOne · 71 days ago

They were approved for the Venture X after earlier moving up from the VentureOne and Venture, crediting a much improved credit score, and received a far higher limit than on their older cards.

Reddit · r/CapitalOne · 71 days ago

They were approved for the VentureOne despite a low score and several existing Capital One cards with small limits, and describe themselves as someone not to take advice from.

Reddit · r/CreditCards · 72 days ago

Paying only the mortgage earns about 1,100 points in several months.

Reddit · r/ChaseSapphire · 73 days ago

Found the old $5 Sapphire Reserve DoorDash restaurant credit practically worthless.

Reddit · r/ChaseSapphire · 73 days ago

Uses the DoorDash grocery credits monthly and welcomes the larger restaurant credit.

Reddit · r/CreditCards · 73 days ago

Cancelled the Amex Gold because its dining-credit partners weren't good, and switched to a no-fee 3x dining card.

Reddit · r/CreditCards · 73 days ago

Goes back and forth on keeping the Amex Gold since they rarely use Dunkin', but finds the Resy credit easy to use in Los Angeles.

Reddit · r/CreditCards · 74 days ago

They keep the Southwest Rapid Rewards Plus alongside their other Chase cards but call it the stupid card. They stopped flying Southwest after the paid seating change and use their Sapphire for travel instead.

Reddit · r/ChaseSapphire · 74 days ago

Uses DoorDash very often, so the bigger Sapphire Reserve credit is free money for them.

Reddit · r/ChaseSapphire · 74 days ago

Used the Sapphire Reserve DoorDash credit at Wawa with no minimum on a trip to Philadelphia.

Reddit · r/ChaseSapphire · 74 days ago

The Sapphire Reserve DoorDash credit disappeared from their app, and DoorDash said to order in a browser.

Reddit · r/CreditCards · 75 days ago

They took the United Explorer checkout offer for a Japan flight, received the statement credit right away and the bonus miles shortly after, though they were unsure about using the miles to pay back purchases.

Reddit · r/CapitalOne · 75 days ago

They have held the Venture since around 2022 and added the Savor later; they got an email about a new annual hotel stays credit with no minimum spend, but could not use it before it expired.

Reddit · r/CreditCards · 76 days ago

Likes the Platinum's benefits but used the Sapphire Preferred for a big trip for better protections.

Reddit · r/CreditCards · 77 days ago

Loves the Platinum mainly for FHR.

Reddit · r/CreditCards · 77 days ago

FHR/THC has become the benefit they use most.

Reddit · r/CreditCards · 77 days ago

Finds FHR impossible to use because the hotels are very expensive.

Reddit · r/CreditCards · 77 days ago

Finds the refreshed hotel credit easy to use on road trips.

Reddit · r/CreditCards · 77 days ago

Resy, subscription and Uber credits put them ahead before travel benefits.

Reddit · r/CreditCards · 77 days ago

Uses most credits organically and says the Platinum is almost perfect for them.

Reddit · r/CreditCards · 77 days ago

Lounge visits saved a family about $500 in meals.

Reddit · r/CreditCards · 77 days ago

Keeps the Schwab Platinum for flights, hotels, lounges and credits.

Reddit · r/CreditCards · 77 days ago

Held it four years and won't renew.

Reddit · r/amex · 77 days ago

Stopped using the Platinum even for lounges because of the waits.

Reddit · r/CapitalOne · 79 days ago

They earned the Venture sign-up bonus within a couple of months by moving all their normal spending onto it, and they pair it with a Savor card and say they love the setup.

Reddit · r/amex · 82 days ago

The lounges were always packed despite the high annual fee.

Reddit · r/CapitalOne · 83 days ago

They shopped through the Capital One offers portal to stockpile Venture miles for future flights, were confused when only cash back percentages appeared, and later found it working normally again.

Reddit · r/CreditCards · 83 days ago

They signed up for the Venture for the sign-up bonus, still have unused points a year later, and want to avoid paying the annual fee again, so they are looking at product changing to a no-fee card.

Reddit · r/CapitalOne · 83 days ago

They are a Venture cardholder whose annual fee had just renewed, yet the new hotel credit had not appeared; a phone agent did not know about it and said only the Venture X carries a travel credit.

Reddit · r/ChaseSapphire · 83 days ago

Stacked Paze, a statement credit and a shopping offer on a ticket bought with the Preferred.

Reddit · r/ChaseSapphire · 83 days ago

Held the Amex Platinum for years and found its points poor value.

Reddit · r/ChaseSapphire · 84 days ago

Stacked the Sapphire Reserve StubHub credit with portal cashback and bonus points on college football tickets.

Reddit · r/ChaseSapphire · 84 days ago

Used the Sapphire Reserve StubHub credit on two England game tickets and gave the second to a friend.

Reddit · r/ChaseSapphire · 84 days ago

Stacked the Sapphire Reserve StubHub credit with other offers and came out ahead on family Thunder tickets.

Reddit · r/CreditCards · 86 days ago

They took the five free night Boundless offer with a low spend requirement and flight credit, value the certificates modestly because they expire and are capped, but see the low spend as a clear win.

Reddit · r/CreditCards · 86 days ago

Their partner opened the Boundless last summer during the five free night offer, and they had a plan for using the certificates, which would not have been possible with only points.

Reddit · r/amex · 88 days ago

They see the Venture X as an easy net-value card, valuing its hotel portal earn and annual credit that offsets the fee, plus lounge access at an airport they frequent.

Reddit · r/CapitalOne · 89 days ago

They keep the no-annual-fee Venture One mainly for access to Capital One travel partners, which they consider the one good reason to hold it.

Reddit · r/CapitalOne · 90 days ago

They opened the Venture a little over a month ago and were unhappy with the low starting limit given their young, thin credit file, though they hit the sign-up miles bonus quickly and declined a small limit increase offer.

Reddit · r/CreditCards · 91 days ago

Received an Amex error credit on their Delta Gold without calling, after having been charged the annual fee on the very first statement despite a waived first year.

Reddit · r/CreditCards · 93 days ago

They love their Venture X and pair it with a Savor, noting it took over a year to get approved and that its value really shows once you travel several times a year booking hotels and flights.

Reddit · r/CapitalOne · 93 days ago

They were restricted soon after getting the Venture X and waited weeks to learn more documents were needed, with points locked meanwhile. They call it an excellent card from a horrible company.

Reddit · r/CreditCards · 93 days ago

They keep the Venture X mainly for airport lounges and use the travel credit on hotels, which cost more through the Capital One portal, though the company quickly price matches if they call with a cheaper rate.

Reddit · r/CreditCards · 95 days ago

Eventually received an unprompted statement credit labelled as an Amex error for the wrongly charged Delta Gold annual fee, with a little extra added to cover interest.

Reddit · r/amex · 96 days ago

They find the Amex Gold a good earner for groceries and dining, but feel the annual fee and the amount of credit coupon clipping needed to make it worthwhile are a drawback.

Reddit · r/CreditCards · 97 days ago

Dropped their Chase Sapphire Reserve after the card changes because the coupon-style credits are hard to track and use, though they enjoyed the lounges and its earlier versatility.

Reddit · r/CapitalOne · 97 days ago

They were approved for the Venture for the sign-up bonus, but the account was restricted within an hour of setting up payments. Support was unhelpful, and the annual fee was still charged while it stayed restricted.

Reddit · r/CreditCards · 99 days ago

They stacked the Amex Brilliant and Chase Boundless and collected both sign-up bonuses by timing the spend, and plan to product change the Boundless to the Ritz-Carlton card.

Reddit · r/CreditCards · 100 days ago

They use the Chase Sapphire Preferred as their daily driver because it is easy to use and earns strong rewards in their biggest categories like dining and online grocery, with points usable as cash back.

Reddit · r/CapitalOne · 100 days ago

They were approved for the Venture X after the pre-approval and say it worked for them, encouraging others in the same position to apply. They give no further details on the card.

Reddit · r/CapitalOne · 102 days ago

They were approved for the Venture and their approval email showed the advertised elevated mile bonus, matching the offer they applied for, though they note the card carries an annual fee.

Reddit · r/CapitalOne · 102 days ago

They applied for the VentureOne expecting a 0% intro offer, were approved but found no 0% on the account, confirmed by phone it was not offered, and cancelled the card soon after receiving it.

Reddit · r/CapitalOne · 102 days ago

They hold the Venture alongside a Citi Strata Premier and feel the Venture lacks the trip and lost-bag protections the Citi card offers, wishing a hotel credit would make it a keeper.

Reddit · r/CapitalOne · 102 days ago

They just got the Citi Strata Premier and found booking a hotel with its credit through Citi Travel easy and cheaper than other sites, rating the card highly overall.

Reddit · r/amex · 103 days ago

Planned to cancel the Delta Gold after year one but kept it for the discount on point bookings and free checked bags, even flying Delta only a few times a year from a hub airport.

Reddit · r/unitedairlines · 107 days ago

Approved while holding Premier Gold status, though existing flight reservations in the United app didn't automatically update to reflect the higher cardholder mileage multiplier.

Reddit · r/CreditCards · 107 days ago

Chose Bilt as a catch-all and has had a satisfying experience, including support.

Reddit · r/CreditCards · 107 days ago

Never uses the booking portal despite the 10x earn.

Reddit · r/CreditCards · 107 days ago

Appreciates the 4x on hotels and airlines booked direct.

Reddit · r/CreditCards · 108 days ago

Uses Bilt most of the cards they hold, mainly for Hyatt and Alaska points.

Reddit · r/CreditCards · 109 days ago

As an Autograph Journey holder, they say the weakest part of the card is its thin travel protections, which they see as a notable gap for an annual-fee travel card.

Reddit · r/CreditCards · 110 days ago

They had considered cancelling but now see their Autograph Journey as strong for direct hotel bookings, pairing the high hotel rate with basic hotel loyalty memberships instead of brand cards, with no portal needed.

Reddit · r/CreditCards · 110 days ago

They hold the Autograph Journey with hotel cards, earn its high rate at Marriott and redeem points at Wyndham and Choice, but find it hard to justify versus the no-fee Autograph, lacking primary rental coverage and other perks.

Reddit · r/CreditCards · 110 days ago

They think the Autograph Journey is a good card but recently cancelled it because they are more focused on cash back rewards, and said they may now apply for the Active Cash instead while waiting for a newer card.

Reddit · r/CreditCards · 110 days ago

They use the Sapphire Preferred only for dining, gas and travel to earn points, using a Navy Federal card far more often for cash back, and recommend holding both.

Reddit · r/ChaseSapphire · 110 days ago

A Four Seasons Edit stay matched direct price and added upgrade, breakfast and dinner.

Reddit · r/CreditCards · 114 days ago

They downgraded their Venture Rewards card through the website and received a prorated refund of the annual fee for half the year, even though the terms said no refunds would be given.

Reddit · r/unitedairlines · 115 days ago

Got it for the sign-up bonus and used the points on a couple of flights, the free checked bag perk and a lounge pass in SFO, then product changed to the Gateway card when the annual fee posted; felt they did pretty well with it.

Reddit · r/unitedairlines · 115 days ago

Monthly rideshare credit works nicely by buying Uber gift cards through the MileagePlus X app to stack miles.

Reddit · r/ChaseSapphire · 115 days ago

Booked a complex business class itinerary with points boost at about 2 cents a point without hunting award space.

Reddit · r/CreditCards · 117 days ago

They keep their Chase Sapphire Preferred mainly because of its primary rental car collision damage waiver, which they value when renting cars.

Reddit · r/CapitalOne · 117 days ago

They applied for the VentureOne and were approved instantly, but the physical card was slow to arrive and they were worried about having it before a vacation. Shipping delays were their main frustration.

Reddit · r/CapitalOne · 120 days ago

They got the Venture last year for the sign-up bonus and simplicity and built up a large miles balance, and are now planning to use it for a family trip, weighing portal booking versus transfer partners.

Reddit · r/CapitalOne · 121 days ago

They use the Venture and found the app asking to re-verify the account on every payment tedious, though customer service reps eventually walked them through it politely and efficiently.

Reddit · r/CreditCards · 122 days ago

Tried threatening a CFPB complaint to get a wrongly charged Delta Gold annual fee reversed and says the experience left them outraged at Amex support.

Reddit · r/CapitalOne · 122 days ago

They hold the VentureOne for good credit, which earns a flat 1.25 miles per dollar with no annual fee and no special perks, plus extra miles on partner shopping and travel offers.

Reddit · r/ChaseSapphire · 122 days ago

Their Sapphire Reserve Paze credits still had not posted weeks later, while other banks paid within days.

Reddit · r/CreditCards · 123 days ago

They have had the VentureOne for about a year and a half, originally for travel, but find its low miles rate unrewarding. They are considering switching products or closing it.

Reddit · r/CreditCards · 124 days ago

QR code and web activation failed when the card arrived; phone activation worked but the account still did not show in the app, and a later call could not verify identity because of a swapped date of birth entered at application, so a license upload was needed.

Reddit · r/ChaseSapphire · 124 days ago

Their Sapphire Reserve Sephora Paze purchases got nothing, but a Domino's purchase earned the bonus and credit.

Reddit · r/CapitalOne · 125 days ago

They have held the Venture for a few years and like that it connects directly with the airlines they prefer, such as booking a JAL flight, which they find easier than hopping through partner airlines.

Reddit · r/CreditCards · 128 days ago

They use the Strata Premier mainly for gas and overflow restaurant or grocery spend alongside two Custom Cash cards, and weigh how a proposed downgrade from 3x to 2x would affect their earnings.

Reddit · r/CreditCards · 128 days ago

Used the card for nearly all everyday spending and enjoyed the travel points, but with modest spend found them barely worth more than the annual fee and feels Southwest has declined. Plans to replace it with a no-fee card.

Reddit · r/CapitalOne · 128 days ago

They found their Venture card was switched by the issuer's system to a Platinum card that still earns Venture rewards, and they were told they would need to re-apply with no clear explanation.

Reddit · r/ChaseSapphire · 128 days ago

Only the first of their Sapphire Reserve Paze purchases was coded for the bonus.

Reddit · r/ChaseSapphire · 129 days ago

Only one of ten Paze purchases got the bonus on their Sapphire Reserve, and support told them to wait eight weeks.

Reddit · r/ChaseSapphire · 129 days ago

Only one of seven Paze purchases on their Sapphire Reserve earned the bonus.

Reddit · r/ChaseSapphire · 129 days ago

Most of their Paze purchases on the Sapphire Reserve missed the bonus, and an escalated message went unanswered.

Reddit · r/ChaseSapphire · 129 days ago

Got no Paze credits on the Sapphire Reserve but all of them on the Freedom Unlimited.

Reddit · r/ChaseSapphire · 129 days ago

All ten Paze purchases on their Sapphire Reserve coded correctly and earned the credits.

Reddit · r/ChaseSapphire · 129 days ago

Nine of ten Paze purchases on their Sapphire Preferred did not code correctly, though support was helpful.

Reddit · r/ChaseSapphire · 129 days ago

Received all ten Paze credits on both their Sapphire Preferred and Freedom Flex, though the Preferred was slower.

Reddit · r/ChaseSapphire · 129 days ago

Got only one Paze credit on their Sapphire Preferred and had to send receipts for investigation.

Reddit · r/ChaseSapphire · 131 days ago

Booking the Andaz in Bali through the Edit came out cheaper than a cheaper hotel and earned an upgrade.

Reddit · r/CapitalOne · 132 days ago

They were approved for the Venture despite a rough credit history, used it heavily for contractor spending and earned the welcome bonus within the first month while paying it down every month.

Reddit · r/ChaseSapphire · 134 days ago

Loves stacking Edit credits with points boost and uses the dining credit on restaurant gift cards and the DoorDash credits.

Reddit · r/ChaseSapphire · 134 days ago

Has held the Sapphire Reserve for eight years, takes several trips a year with points, and loves the Sapphire lounges.

Reddit · r/CreditCards · 135 days ago

They found the Venture X lounge access does not cover guests so it fails families, the lounges are busy with waitlists, and the travel credit is hard to use because the portal lacks many flights and hotels.

Reddit · r/ChaseSapphire · 135 days ago

Has not found a good use for the Edit; NYC options looked ridiculously priced.

Reddit · r/ChaseSapphire · 135 days ago

Has stayed at several Edit hotels at moderate prices and uses Points Boost to cut the cost further.

Reddit · r/ChaseSapphire · 135 days ago

Loves the card; dining, StubHub, Priority Pass and Global Entry used, and the concierge reversed odd charges.

Reddit · r/CreditCards · 136 days ago

Delta Gold holder who used the card heavily to hit the welcome bonus and chase a credit line increase; unimpressed with the weak multipliers but says the perks just cover the annual fee.

Reddit · r/ChaseSapphire · 136 days ago

Got the Sapphire Reserve recently and finds it worse in every aspect than their Platinum cards.

Reddit · r/ChaseSapphire · 136 days ago

Couple is crazy in love with their Amex Platinum cards.

Reddit · r/ChaseSapphire · 136 days ago

Found the JFK Sapphire lounge overrun with families every visit.

Reddit · r/ChaseSapphire · 137 days ago

They earned the large sign-up bonus on their Sapphire Reserve after moving over from a Quicksilver and are exploring how to get the most from the points. They are new to travel redemptions.

Reddit · r/ChaseSapphire · 137 days ago

Got the dining credit at an unlisted neighborhood restaurant.

Reddit · r/ChaseSapphire · 137 days ago

Uses the travel, dining, StubHub, IHG, Edit and Apple credits and is making out like a bandit.

Reddit · r/ChaseSapphire · 137 days ago

Used the travel, StubHub and restaurant credits within weeks and came out ahead of the fee easily.

Reddit · r/ChaseSapphire · 137 days ago

Finds the refreshed card incredibly easy to maximize, even at home.

Reddit · r/ChaseSapphire · 138 days ago

Used the dining, Global Entry, StubHub and travel credits plus the LGA Sapphire lounge within weeks and calls the card an amazing decision.

Reddit · r/ChaseSapphire · 138 days ago

Moved regular flights a day earlier to use the LGA Sapphire lounge without a wait, several times a year.

Reddit · r/ChaseSapphire · 138 days ago

Loves the Sapphire Reserve and hates their Amex Platinum.

Reddit · r/ChaseSapphire · 138 days ago

Lives in the suburbs, travels little, and still finds it a great card.

Reddit · r/ChaseSapphire · 138 days ago

Travels a few times a year and finds the card good, though the StubHub credit does not suit them.

Reddit · r/ChaseSapphire · 138 days ago

Tracked a lot of value in six months and says the card fits their lifestyle.

Reddit · r/ChaseSapphire · 138 days ago

Uses the StubHub credit on last-minute deals for plays and soccer games.

Reddit · r/ChaseSapphire · 138 days ago

Cannot think of a card that fits their lifestyle better and easily got about 4k of value.

Reddit · r/ChaseSapphire · 138 days ago

Got the card recently in the Midwest and already got more than the annual fee in value.

Reddit · r/ChaseSapphire · 138 days ago

Even at conservative valuations of lounges and credits the card pays off.

Reddit · r/ChaseSapphire · 138 days ago

Long-time holder finds the first year easy but the coupon-book tracking a chore compared with the Preferred.

Reddit · r/ChaseSapphire · 138 days ago

No longer counts the lounges toward break-even but used the BOS and PHL Sapphire lounges about five times.

Reddit · r/ChaseSapphire · 138 days ago

Long-time cardholder called and was told no retention offer was available.

Reddit · r/CreditCards · 139 days ago

They hold the Autograph Journey among many cards and use it to charge their Tesla, but feel there may be better options for EV charging rewards and are trying to simplify their setup.

Reddit · r/CreditCards · 139 days ago

They keep their Chase Sapphire Reserve because they travel internationally several times a year, calling it the best option for their travel habits within a larger card setup.

Reddit · r/CreditCards · 139 days ago

They love the Venture X as their go-to card for flight bookings, valuing the Priority Pass access, Hertz status, primary rental car insurance and phone protection, and highly recommend it.

Reddit · r/CreditCards · 141 days ago

They keep the Venture X for personal travel, say it pays for itself and appreciate lounge access at their New York airports, while using another card for family Priority Pass memberships.

Reddit · r/CreditCards · 142 days ago

They applied for the Boundless at the start of the year, were approved, and have since received the five free night sign-up bonus.

Reddit · r/CreditCards · 142 days ago

They were approved for the Capital One Venture after a failed Chase application and received the sign-up bonus points in their account.

Reddit · r/CreditCards · 142 days ago

They love their Venture X, the only fee-paying card they have never considered cancelling, citing flat 2x earning, decent transfer partners and good lounge access.

Reddit · r/CreditCards · 142 days ago

They used the Venture X with a Savor for several years and found it good for solo travelers and car rentals, but the lounge cutbacks hurt their family so they are phasing it out.

Reddit · r/CreditCards · 142 days ago

They love their Venture X but report Capital One repeatedly refuses to approve a second card, having applied for the Savor every year or so over five years without success.

Reddit · r/CreditCards · 142 days ago

They love their Venture X, using the airport lounge on every trip from New York and finding the Priority Pass access useful, though they have shifted toward Citi cards as a main card.

Reddit · r/CreditCards · 142 days ago

They got the Venture X mainly for unlimited Priority Pass access, finding the lounges weak in the US but good internationally, and like it alongside a Chase Sapphire Preferred.

Reddit · r/CreditCards · 142 days ago

They like the Venture X mainly for access to Capital One lounges at a fraction of the cost of rival premium cards, and say they would not have taken it without the lounges.

Reddit · r/CreditCards · 142 days ago

They value the Venture X portal price match most, saying it matched even obscure hotel sites, but note the match is portal-only and they would never book a flight through a portal.

Reddit · r/CreditCards · 143 days ago

They took the five-free-night sign-up bonus and spent all five nights in Shanghai, calling it their best vacation ever, though they used the last night just a day before the certificates expired.

Reddit · r/amex · 143 days ago

Puts all spending on the Amex Gold since most of it is restaurants and groceries, and likes not having to think about which card to use.

Reddit · r/CreditCards · 144 days ago

They opened a Bonvoy card for the five-free-night bonus and used all five nights at a SpringHill Suites near Disneyland, finding booking easy once the bonus posted. An earlier round of the card's certificates covered a Residence Inn.

Reddit · r/CreditCards · 144 days ago

They used the five sign-up free night awards from the Boundless on a stay at the St. Regis in Bangkok and describe it as a very nice luxury stay, saying the nights are easy for most travelers to use.

Reddit · r/CreditCards · 146 days ago

They hold the Autograph Journey mainly for its 5x earning on hotels, and see the annual-fee card as already offering strong hotel rewards, though they doubt a pricier premium version could add much.

Reddit · r/ChaseSapphire · 146 days ago

The new Apple One discount plus their other credits means they will keep the Sapphire Reserve after planning to cancel.

Reddit · r/ChaseSapphire · 147 days ago

Got it at 20 and used the sign-up bonus for a trip to Japan, but now gets little value as redemptions are nerfed and it is weak for Japan travel, so they are considering a downgrade after getting a Reserve.

Reddit · r/CapitalOne · 147 days ago

They downgraded their Venture X to the VentureOne to keep the account open, but they barely use it. They do not think the VentureOne is worth taking as an upgrade.

Reddit · r/CreditCards · 148 days ago

Was wrongly charged the annual fee on a new Delta Gold and only got the credit after saying they would close the account; handled through chat with no proof required.

Reddit · r/CreditCards · 148 days ago

Payments take days to free up the credit line for new spending.

Reddit · r/CapitalOne · 150 days ago

They applied for the Venture about a year ago and now regret not choosing the Venture X from the start, wondering when Capital One might offer them an upgrade.

Reddit · r/CapitalOne · 150 days ago

They kept their Venture for six months, checked Venture X pre-approval, applied for the new card to earn its sign-up bonus, and then downgraded the Venture to a Savor.

Reddit · r/CreditCards · 150 days ago

Palladium restricted on the first transaction with weeks of useless support from Cardless.

Reddit · r/CreditCards · 150 days ago

Great earner but infuriating to work with when human help is needed.

Reddit · r/CreditCards · 150 days ago

Annual fee is covered by hotel credits plus Bilt Cash for a travel-heavy household.

Reddit · r/CreditCards · 150 days ago

Misses spending on the Palladium while working on another SUB; app and support are clunky.

Reddit · r/ChaseSapphire · 150 days ago

The Sapphire Reserve Apple benefit was applied as a discount on their Apple One family plan at renewal.

Reddit · r/ChaseSapphire · 153 days ago

Likes that some credits push them to do more enjoyable things.

Reddit · r/ChaseSapphire · 153 days ago

Waited 30 minutes for the Centurion Lounge at SFO.

Reddit · r/ChaseSapphire · 153 days ago

Walked straight into the Maple Leaf lounge with the CSR.

Reddit · r/ChaseSapphire · 153 days ago

Appreciates Hyatt transfers, IHG credit and Edit credits.

Reddit · r/ChaseSapphire · 153 days ago

Puts enough 4x spend on the Sapphire Reserve and gets good transfer and points boost value to justify the fee.

Reddit · r/ChaseSapphire · 154 days ago

Used the restaurant credit at a two-star Michelin restaurant.

Reddit · r/ChaseSapphire · 154 days ago

Finds the CSR credits easier to use than the Platinum's.

Reddit · r/ChaseSapphire · 154 days ago

Finds the Platinum credits slightly easier to use than the CSR's.

Reddit · r/ChaseSapphire · 154 days ago

Dislikes the Platinum's coupon-book benefits.

Reddit · r/ChaseSapphire · 154 days ago

Switched to the Palladium and finds Bilt Cash a game changer.

Reddit · r/ChaseSapphire · 154 days ago

Opened the Palladium for a better earn rate on typical spend.

Reddit · r/ChaseSapphire · 154 days ago

Downgraded CSR to Freedom with no clawback of credits.

Reddit · r/ChaseSapphire · 154 days ago

Credits fit their lifestyle so the fee is covered without going out of the way.

Reddit · r/CreditCards · 157 days ago

Still finds the Sapphire Preferred worthwhile for its emergency evacuation insurance and 3x on gas, but wishes it earned on all groceries instead of only online.

Reddit · r/ChaseSapphire · 157 days ago

Held the Sapphire Reserve for over eight years, then downgraded it this year because the new Amex Platinum suits them better.

Reddit · r/CreditCards · 157 days ago

Dislikes being pushed into Chase's portal to get value from the Sapphire Preferred; finds it a hassle and losing value fast.

Reddit · r/CreditCards · 159 days ago

Got the same runaround over a wrongly charged Delta Gold annual fee; once they said they would close the card, Amex quickly completed its review and promised a refund.

Reddit · r/CreditCards · 159 days ago

Primary card for five or six years with zero complaints; fraud alerts proactively caught fraudulent charges and replaced the card, though the $100 portal hotel credit is hard to use.

Reddit · r/ChaseSapphire · 159 days ago

Was offered only a points discount on the fee, but is keeping the Sapphire Reserve because its travel benefits are useful.

Reddit · r/amex · 160 days ago

They opened the no-fee Hilton Honors Amex in 2023 to churn it, never canceled it out of laziness, and still puts a bit of spend on it, with later Amex approvals going smoothly.

Reddit · r/amex · 160 days ago

They were approved for the personal Delta Gold Amex with an elevated sign-up bonus even after holding the Delta Platinum before, with all credit bureaus frozen, and shared it as a data point on bonus eligibility.

Reddit · r/amex · 160 days ago

They have held the Delta Gold Amex twice and received the sign-up bonus both times, so they see the lifetime language as selective rather than a strict barrier to repeat bonuses.

Reddit · r/CapitalOne · 161 days ago

They treat the Savor and Venture X combination as their main workhorse, putting Venture X miles toward flights and car rentals through the travel eraser, while their Quicksilver sits mostly unused.

Reddit · r/CreditCards · 162 days ago

They took the World of Hyatt card on a sign-up offer with extra free nights and expect to end up with seven category 1-4 nights plus points after the spend, calling the value solid for the annual fee.

Reddit · r/CreditCards · 162 days ago

They kept their World of Hyatt card open after the recent program changes because the annual free night certificate more than covered the card's annual fee.

Reddit · r/CreditCards · 162 days ago

Reaches for it more often than a Wells Fargo Autograph because they would rather earn Citi ThankYou points, and suggests choosing the bank whose transfer partners fit your travel best.

Reddit · r/CreditCards · 162 days ago

They have had the Venture for about eight years and found upgrading to the Venture X online quick and simple, taking only a couple of minutes, with the added anniversary bonus making it better value.

Reddit · r/CreditCards · 162 days ago

Finds good point redemptions on United economy flights by being flexible about travel dates, and says the card works well for them alongside a United card.

Reddit · r/CreditCards · 163 days ago

They hold the World of Hyatt card and use it only for Hyatt stays, mainly to chase elite status. They feel it offers little beyond what Chase transfers or other cards already give, and prefer Hilton cards for the free night.

Reddit · r/ChaseSapphire · 163 days ago

They could not add their Sapphire Reserve to the Paze wallet to use the StubHub promotion, though other Chase cards appeared. They called Chase support, which was still working on the issue.

Reddit · r/CreditCards · 163 days ago

Holder of the Delta Amex Gold got the refresh email with the new rideshare credit and a second free bag, and says the changes might make them keep the card long term.

Reddit · r/CreditCards · 163 days ago

Has held the Delta Gold for four or five years and has moved on from being a Delta loyalist; the new rideshare credit could decide whether they keep the card or not.

Reddit · r/CreditCards · 163 days ago

Delta Gold holder who was about to downgrade the card, but the new monthly rideshare credit makes them reconsider and see it as a good deal for keeping the card.

Reddit · r/CreditCards · 163 days ago

Uses the Delta Gold for everyday spending, treating the yearly spend bonus voucher as an extra return on top of the 1x base and 2x on groceries and restaurants.

Reddit · r/CreditCards · 163 days ago

Keeps the Delta Gold mainly for the Delta Stays credit and free checked bags on ski trips, plus a better boarding zone; says it easily pays for itself with a few flights a year.

Reddit · r/CreditCards · 163 days ago

Uses the Delta Gold only for checked bags, the stays credit and the pints discount, booking flights on a Platinum card instead and finding other cards better for general spend.

Reddit · r/CreditCards · 163 days ago

Had the Delta Gold for just over a year and struggled to justify the annual fee, but the new rideshare credit convinced them to keep the card as is.

Reddit · r/CreditCards · 163 days ago

They have held the Venture for a couple of years and feel its rewards on purchases outside the Capital One travel portal are weak, so the annual fee is not worth it and they plan to cancel.

Reddit · r/CreditCards · 164 days ago

Gets about 2.5 cpp via Hyatt, roughly 7.5% back on Palladium spend.

Reddit · r/CreditCards · 164 days ago

Closed the card as it became too complex.

Reddit · r/ChaseSapphire · 165 days ago

Unexpectedly got the dining credit at the one listed restaurant in their small city.

Reddit · r/CreditCards · 167 days ago

They were approved for the Venture X while rebuilding credit after several charge-offs and settlements, and plan to make it their daily card to earn the most miles.

Reddit · r/ChaseSapphire · 167 days ago

Chase applied both the IHG credit and the travel credit to a Seattle Crowne Plaza stay, so it cost them only a few dollars.

Reddit · r/CreditCards · 168 days ago

They receive the annual free night certificate on the card but often struggle to find a property that fits under the point cap, and did not know about topping up with points.

Reddit · r/CreditCards · 169 days ago

They used the five sign-up free night certificates at nice hotels in Peru, but had to top up with a decent number of their own Marriott points on top of the certificates.

Reddit · r/CreditCards · 169 days ago

They opened the card for the five-night bonus without checking point prices; Rome had no hotel within the cap, but a Florence hotel fit with a top-up and saved them a good chunk of cash.

Reddit · r/CreditCards · 169 days ago

They got the card in 2023/2024 and used the sign-up certificates for five nights at a Tokyo Autograph Collection hotel, saving a lot, though many nicer hotels now price above the top-up limit.

Reddit · r/CreditCards · 169 days ago

They call the Boundless an awesome hotel card on par with the IHG and Hyatt cards, worth getting for the sign-up bonus and keeping for the annual free night or an upgrade to the Ritz-Carlton card.

Reddit · r/CreditCards · 169 days ago

They signed up with the five free night offer and found the sign-up and certificates excellent for resort stays, but consider the card poor for everyday earning because Marriott points are worth little.

Reddit · r/CreditCards · 169 days ago

Waited over a month on a wrongly charged Delta Gold annual fee; the agent first denied the offer terms, then admitted it was a known issue and promised a waiver once resolved.

Reddit · r/ChaseSapphire · 169 days ago

Has visited the LGA, BOS and JFK Sapphire lounges and rates Philadelphia's the best.

Reddit · r/ChaseSapphire · 170 days ago

Likes the CSR since normal spend easily covers the annual fee.

Reddit · r/ChaseSapphire · 170 days ago

Gets a lot of value from the PHL Chase lounge, which offsets the credits they do not use.

Reddit · r/CreditCards · 172 days ago

They held the Chase Southwest Plus card mainly for the Companion Pass benefit, which they no longer find useful as a solo traveler, so they are now shopping for a travel card suited to international trips.

Reddit · r/CreditCards · 173 days ago

Hit with the annual fee after only two months with the Delta Gold; the chat rep first claimed the no-fee intro was never offered, and they were glad to have saved the terms as proof.

Reddit · r/CreditCards · 174 days ago

Their Delta Gold annual fee dispute dragged on for weeks, and each follow-up call just got told to wait another week or two.

Reddit · r/CreditCards · 175 days ago

Charged an annual fee that should have been waived on a Delta Gold; support called it a known system issue and told them to wait a few weeks.

Reddit · r/CapitalOne · 175 days ago

They found their Venture X and Quicksilver suddenly restricted after a returned payment, losing a large miles balance. Support cited unusual activity and said reinstatement was unlikely.

Reddit · r/CapitalOne · 176 days ago

They began with a Platinum about ten years ago and upgraded to VentureOne for the travel rewards, but they now carry a balance on it and are paying it down weekly.

Reddit · r/CreditCards · 177 days ago

They were pre-approved for every Capital One card and accepted the Venture X offer, getting approved on their application, and plan to add the Savor about six months later.

Reddit · r/CreditCards · 179 days ago

Approved for the Delta Gold for the welcome bonus but with a very low starting limit; once the card shipped, they could move credit line from their Blue Cash Everyday online without calling.

Reddit · r/ChaseSapphire · 179 days ago

New holder already used the travel, dining and Whoop credits and the lounge twice.

Reddit · r/ChaseSapphire · 180 days ago

Got 14x points on a United booking paid through Paze with their Sapphire Reserve.

Reddit · r/ChaseSapphire · 181 days ago

Decade-long holder is leaving over the higher fee and reduced benefits.

Reddit · r/ChaseSapphire · 183 days ago

Moved from the Amex Platinum and likes the direction, but finds the Peloton, Lyft and DoorDash credits awkward.

Reddit · r/ChaseSapphire · 183 days ago

Chose the Sapphire Reserve over the Platinum and has used every benefit this year.

Reddit · r/ChaseSapphire · 183 days ago

Would keep the card for the travel insurance peace of mind alone.

Reddit · r/ChaseSapphire · 183 days ago

Lyft rides cost more with the card, so the credit sometimes costs money.

Reddit · r/ChaseSapphire · 183 days ago

Travels a few times a year but uses most benefits in a medium-sized city.

Reddit · r/ChaseSapphire · 183 days ago

The Lyft credit has been very useful in their city.

Reddit · r/ChaseSapphire · 183 days ago

Without a car in the city, the Lyft credits are free money.

Reddit · r/ChaseSapphire · 183 days ago

Uses the Peloton credit, making the Sapphire Reserve a better fit than the Amex Platinum.

Reddit · r/ChaseSapphire · 183 days ago

Uses both and prefers the Amex Platinum for easier benefits.

Reddit · r/ChaseSapphire · 183 days ago

Holds both cards and always comes out ahead.

Reddit · r/ChaseSapphire · 183 days ago

Already used travel, Peloton and DoorDash, so those credits alone nearly cover the fee.

Reddit · r/ChaseSapphire · 183 days ago

Has used the travel, hotel, Edit, Southwest, StubHub and Chase Shops credits this year.

Reddit · r/ChaseSapphire · 183 days ago

The card more than pays for itself, and they value having a Visa.

Reddit · r/ChaseSapphire · 183 days ago

Covered the annual fee with one hotel booking using credits.

Reddit · r/ChaseSapphire · 183 days ago

Keeps the Amex Platinum for its customer service and protections.

Reddit · r/ChaseSapphire · 183 days ago

Saved a lot by mid-year with travel, StubHub, Edit, IHG and dining credits.

Reddit · r/ChaseSapphire · 183 days ago

Gets value from the travel credit, points and StubHub but ignores the small credits.

Reddit · r/ChaseSapphire · 183 days ago

Only holding the card for the bonus and dislikes it.

Reddit · r/ChaseSapphire · 184 days ago

They call the United Explorer great for United flights, since they usually buy basic economy and the free carry-on benefit adds up over time.

Reddit · r/ChaseSapphire · 184 days ago

They got the United Explorer mainly for the sign-up bonus, fly United rarely, and treat it as a sock drawer card rather than something they use regularly.