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Merry Christmas from Cap One!!


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If you have the QS with no AF, it is better than the Venture One for sure. Remember that the Venture cards are really cash back cards, and obviously 1.5% is better than 1.25%.

If you want 2% without the AF, the Fidelity Amex, Citi Double Cash and NASA cash back cards are better long term. Obviously the signup bonuses on the Venture cards make it worthwhile for some.

IMO if you already have a no AF QS card (or 1.5% cash back added to another card), you have Cap1's best offering.

 

Ok. Now it's clear.

I've got the no-annual-fee card with 1.5% cashback on all purchases. It's not the QS, but if it walks like a duck and talks like a duck ... .

Yep, no reason at all for you to PC IMO. You certainly wouldn't want to PC to the AF Venture card either. If you do, there's no signup bonus.

Year, 2% on travel doesn't excite me since I have Citi Double Cash. Also, I'm pretty much allergic to annual fees with very, very limited exceptions.

 

Speaking of Citi Double Cash, I'm beginning not to like it. The rewards are a lot of hassle. Seems you get the 1% on the statement where the purchase hits. The second 1% youngest on the statement following the statement showing your payment. So the first 1% shows up on, say, November's statement, but the other 1% doesn't show up until January's. Then you have a $25 minimum to cash out.

Too many hoops.

 

On the other hand, Cap One is only 1.5%, but as soon as your purchase posts it is in your cashback account and you can cash out without any minimum. No hassle.

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If you have the QS with no AF, it is better than the Venture One for sure. Remember that the Venture cards are really cash back cards, and obviously 1.5% is better than 1.25%.

If you want 2% without the AF, the Fidelity Amex, Citi Double Cash and NASA cash back cards are better long term. Obviously the signup bonuses on the Venture cards make it worthwhile for some.

IMO if you already have a no AF QS card (or 1.5% cash back added to another card), you have Cap1's best offering.

Ok. Now it's clear.

I've got the no-annual-fee card with 1.5% cashback on all purchases. It's not the QS, but if it walks like a duck and talks like a duck ... .

Yep, no reason at all for you to PC IMO. You certainly wouldn't want to PC to the AF Venture card either. If you do, there's no signup bonus.

Year, 2% on travel doesn't excite me since I have Citi Double Cash. Also, I'm pretty much allergic to annual fees with very, very limited exceptions.

 

Speaking of Citi Double Cash, I'm beginning not to like it. The rewards are a lot of hassle. Seems you get the 1% on the statement where the purchase hits. The second 1% youngest on the statement following the statement showing your payment. So the first 1% shows up on, say, November's statement, but the other 1% doesn't show up until January's. Then you have a $25 minimum to cash out.

Too many hoops.

 

On the other hand, Cap One is only 1.5%, but as soon as your purchase posts it is in your cashback account and you can cash out without any minimum. No hassle.

 

 

Don't you have NFCU? The cash back always posted to my account before the transactions even did, and of course no minimum for redemption.

 

I have the Fidelity Amex as my 2% cash back card and have no long term use for travel cash back cards. They are more limiting with redemptions, and the top cards like the Venture and Arrival+ have an AF. My Arrival+ won't be the AF version next year.

Edited by mendelssohn
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If you have the QS with no AF, it is better than the Venture One for sure. Remember that the Venture cards are really cash back cards, and obviously 1.5% is better than 1.25%.

If you want 2% without the AF, the Fidelity Amex, Citi Double Cash and NASA cash back cards are better long term. Obviously the signup bonuses on the Venture cards make it worthwhile for some.

IMO if you already have a no AF QS card (or 1.5% cash back added to another card), you have Cap1's best offering.

 

Ok. Now it's clear.

I've got the no-annual-fee card with 1.5% cashback on all purchases. It's not the QS, but if it walks like a duck and talks like a duck ... .

Yep, no reason at all for you to PC IMO. You certainly wouldn't want to PC to the AF Venture card either. If you do, there's no signup bonus.

Year, 2% on travel doesn't excite me since I have Citi Double Cash. Also, I'm pretty much allergic to annual fees with very, very limited exceptions.

Speaking of Citi Double Cash, I'm beginning not to like it. The rewards are a lot of hassle. Seems you get the 1% on the statement where the purchase hits. The second 1% youngest on the statement following the statement showing your payment. So the first 1% shows up on, say, November's statement, but the other 1% doesn't show up until January's. Then you have a $25 minimum to cash out.

Too many hoops.

On the other hand, Cap One is only 1.5%, but as soon as your purchase posts it is in your cashback account and you can cash out without any minimum. No hassle.

Don't you have NFCU? The cash back always posted to my account before the transactions even did, and of course no minimum for redemption.

 

I have the Fidelity Amex as my 2% cash back card and have no long term use for travel cash back cards. They are more limiting with redemptions, and the top cards like the Venture and Arrival+ have an AF. My Arrival+ won't be the AF version next year.

I've got Navy cashRewards at 1.5%, but never paid attention to the rewards. Sounds like it is also no hassle, right?

 

The X% in certain categories depending on lunar cycle are getting to be a pain in the flowers. It just seems like too much hassle to keep track of which to use when. I like the Chase AARP for 3% on restaurants and gas. Everything else I'll just use a 1.5% card.

 

The only AF cards I have are AmEx Delta which I will keep. Then there's the CSP. I ended up with about $1800 in various Chase bonuses this year so I suppose it would be tacky of me to get rid of the CSP just over the $95 fee.

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If you have the QS with no AF, it is better than the Venture One for sure. Remember that the Venture cards are really cash back cards, and obviously 1.5% is better than 1.25%.

If you want 2% without the AF, the Fidelity Amex, Citi Double Cash and NASA cash back cards are better long term. Obviously the signup bonuses on the Venture cards make it worthwhile for some.

IMO if you already have a no AF QS card (or 1.5% cash back added to another card), you have Cap1's best offering.

 

Ok. Now it's clear.

I've got the no-annual-fee card with 1.5% cashback on all purchases. It's not the QS, but if it walks like a duck and talks like a duck ... .

Yep, no reason at all for you to PC IMO. You certainly wouldn't want to PC to the AF Venture card either. If you do, there's no signup bonus.

Year, 2% on travel doesn't excite me since I have Citi Double Cash. Also, I'm pretty much allergic to annual fees with very, very limited exceptions.

Speaking of Citi Double Cash, I'm beginning not to like it. The rewards are a lot of hassle. Seems you get the 1% on the statement where the purchase hits. The second 1% youngest on the statement following the statement showing your payment. So the first 1% shows up on, say, November's statement, but the other 1% doesn't show up until January's. Then you have a $25 minimum to cash out.

Too many hoops.

On the other hand, Cap One is only 1.5%, but as soon as your purchase posts it is in your cashback account and you can cash out without any minimum. No hassle.

Don't you have NFCU? The cash back always posted to my account before the transactions even did, and of course no minimum for redemption.

 

I have the Fidelity Amex as my 2% cash back card and have no long term use for travel cash back cards. They are more limiting with redemptions, and the top cards like the Venture and Arrival+ have an AF. My Arrival+ won't be the AF version next year.

I've got Navy cashRewards at 1.5%, but never paid attention to the rewards. Sounds like it is also no hassle, right?

 

The X% in certain categories depending on lunar cycle are getting to be a pain in the flowers. It just seems like too much hassle to keep track of which to use when. I like the Chase AARP for 3% on restaurants and gas. Everything else I'll just use a 1.5% card.

 

The only AF cards I have are AmEx Delta which I will keep. Then there's the CSP. I ended up with about $1800 in various Chase bonuses this year so I suppose it would be tacky of me to get rid of the CSP just over the $95 fee.

Yes, no hassles with NFCU. I've since PCed mine to the Flagship though.

 

I'm more into travel rewards than cash back, but IMO everyone should add a 2% cash back card to their portfolio when possible.

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