Latest reviews

Reddit · r/CreditCards · 9 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.