Hi all, as someone newer to caring about credit cards, I'm seeking opinions from people who have been here longer than me as I weigh my options for my next card. I figure the easiest way to get blunt and honest feedback is to just give background info on myself:

25 yo, 50k usd salary, 800 credit score, fortunate enough to live with parents ($0 rent), car is fully paid off, very minimal bills to pay outside of 16k student loan debt. I have a 401k, roth IRA and CMA with fidelity that I contribute to monthly, and my biggest expenses are food and grocery. Up until last month, I used my debit card for most everything in my life (family teaching and upbringing to be afraid of cc debt), and I've been an authorized user of a credit card of my mother's since highschool, which is currently dormant but helping my utilization by having a 24k CLI.

The first real and only card I have used is the amex gold that I got a month ago, and it's worked well for my situation in life. With all of this information, I now weigh multiple options as my next card/what I want to work towards long term. I wouldn't say I'm here to "play the game" and minmax every single point ever, but I make sure to use the gold perks and offers, and what my real goal is for the future is to have a consistent bank to stay with long term (?) and use a few but meaningful credit cards that I'll keep past the sign up bonuses. Since my girlfriend and I take a few trips throughout the year, I plan to fly 3-4 times domestically and book hotels/airbnbs for those trips.

Options I'm considering: Savor/Venture X, AMEX Gold/Venture X, AMEX Gold/AMEX Plat,Citi Strata Premier/Citi Double Cash back (and maybe even the custom cash).

MAIN CONCERNS: While I'm leaning towards the venture x for it's simplicity and fair AF, this is where I'd like a bit of guidance. I'm pre-approved for both the venture x and the amex plat, and the plat would allow me to stay in the amex ecoysystem, but let's be honest, I'm not the highroller that the plat is looking for, nor do I care about the status of having it. Will I make sure I get my entire money's worth for the $895? Yes. Will I start doing a few things that maybe I wouldn't if I didn't have the card? also yes. That being said, the actual AF is not a concern to me, and i would most definitely find use for it especially in year 1, but again.. I only fly domestically, and around 4 times a year. The main benefit would be the continuation of earning points for AMEX, and not having to worry about the ideal way to discard the gold card completely since you can't swap to a $0 AF card. Ideally, I do not want to have a bunch of cards with multiple banks.

Why I still am highly leaning towards the Venture X:

1. I have to put in absolutely zero effort to get the entire AF offset by just living my normal life
2. 2x catch all for things my gold (or savor eventually) don't qualify for
3. Almost $500 cheaper than the Plat
4. My airport is an AA hub and is building a capital one lounge (CLT), whilst delta is easier to use with amex
5. slight imposter syndrome for holding an amex platinum card at my current stage in life, heh.

With all of this in mind, let me know what you think of my options, and maybe there are some cards I've completely missed, to which you can also let me know of that as well. Happy to answer further questions if need be. Thanks for reading!

I just got pre-approved for the Venture X but hesitating to pull the trigger

Data points -

Exp fico- 750

Equifax fico- 685

Transunion fico- 759

Three days ago I got approved for my first credit card, BCE Amex card but it will take some time to report. Now only have 1 inquiry on my report.

Got two Installment accounts/student loans paying on time for 5 years

Average age of your accounts showing 12 years

Age of oldest account - 18 years

Has anybody got approved with similar data points?

So, this is a minor complaint, but how it was handled by Capital One was extremely frustrating.

My lesson learned: Use the annual travel credits immediately.

I was trying to be too smart with it and using it only on flights (I wanted to get the 10x from hotels). Most of the time, booking flights direct was better than working with the travel portal, so throughout the year I was trying to max out my best savings.

I had about $38 left to use up in the travel portal. I was going to book my flight last week, but I knew prices would go down, so I was waiting it out a bit. I saw that the credit would expire at 11:59pm on May 21st, took a screenshot, and set my calendar reminders.

I checked prices regularly this week. Night of May 20th around 10pm, I knew I’d have to pull the trigger either way, so I started going through the motions. Get to checkout and…

$0 in travel credits.

I double checked my screenshot—May 21st at 11:59pm. So why was it gone on May 20th at 9pm? I can accept ET timezone…but whatever. Why is a whole day early regardless?

I looked it up and saw some others apparently had a similar problem and called and got the credit temporarily restored. I figured I’d give it a go. I had all the screenshots, so surely it shouldn’t be too hard to explain.

Well.

It didn’t matter that I could show what date my account was opened, the screenshots showing when it would expire, etc etc. On their end, it expired May 20th, so they wouldn’t do anything despite confirming when my anniversary was, but that didn’t lead to anything either. They were talking in circles, and then ended the conversation very abruptly. “Okay, bye,” and then hung up. I didn’t even confirm I was done with the call.

It’s only $38, but I’m just mad on principle. If it was my mistake and I messed up the dates, I’d kick myself a little and move on. But I know I was given a different date and time. Very annoying that they wouldn’t even do anything, not even look at the evidence I had. Seriously considering cancelling my card, because this proves how little they care about their cardholders.

If I do keep it, lesson learned. No pushing the limit because the limit could change without notice, apparently. That part’s on me. 🤦

I recently acquired my Venture X and saw someone here say they applied their $300 travel credit towards to AF. Can someone walk me through how to do this? I can’t quite figure it up and my first bill is due in a few days. TIA!

https://preview.redd.it/ssiwf7ouza2h1.png?width=999&format=png&auto=webp&s=61b3b22fa57b210a9423a760263ddb649c792031

After my post yesterday, you guys were right I got approved with a 690 credit score (fair) + the 75k bonus. Low CL but i heard I can request a CL increase after 5-7 days after account opening. I will feel comfortable with a 17-20 total credit limit with this card. How much should I request to get to 17-20k CL?

How can I search for hotel rates that are actually free cancellation? Every time I look for this they show "Free cancellation" but it's only for 24 hours, totally useless.

I have around 220,000 points to use, and am looking to redeem them on international flights! My wishlist of travel locations is 10 miles long, but Japan and Greece are pretty high up. I’m wondering if anyone has any recommendations for how to maximize my miles? Where to transfer points to to get the best seats for the best value? I’m a little lost in the sea of information and specialized flight searching site ads on the internet and social media. For additional context, I’m on the upper east coast in the US and would LOVE to fly premium economy or business class. I’d so appreciate any advice anyone has to offer!

Very bad experience with Capital One travel.

Lately airlines have been changing flight times after they are booked, typically you get an email and you can cancel/ change your flight.

However, these changes are NEVER reflected in Capital One travel portal (has happened 4 times to me in last 5 months). This causes issues because United says I need to make the change through Capital One portal and Capital One says the airline-imposed flight change does not exist.... They do not know of any such changes and will not be doing anything to update their system or help me.

Was just on the phone with Capital One Travel for 3 hours with a shrug of the shoulders as the final resolution given. Very frustrating. If you have any suggestions on how to get this fixed all ears!

Per there website " Capital One Travel will notify you about flight cancellations or airline-imposed schedule changes by email. The email may provide you with alternative flights that you can choose to accept. If you have more than one option, you will need to choose your preferred flight. If you do not respond with your selected preference, a schedule change may be accepted on your behalf. In this case, you will receive an email letting you know if a change was accepted." Flight disruptions and delays | Capital One Help Center

Hey there everyone,

I recently got my VentureX about a month ago with the intent of stockpiling points to use towards honeymoon travel which will be well over one year from now. Ever since getting the card, I've been charging every expense possible on the card, however I recently was reading that it might be beneficial to couple the Savor card with the VentureX and was hoping to get some further explanation. I do dine out pretty frequently and do quite a bit of grocery shopping. Happy to answer any questions and am just looking for some insider info. Thanks!

Hey all 👋

I combined my four offer-autopilot bookmarklets (Chase, Amex, Capital One, Walgreens) into a single browser extension (Not App/Web Store based Extension. It's simple file package) with a searchable hub on top. Same autopilot dashboards you're used to, but now everything is auto-saved and searchable across cards.

🔒 Privacy by design (just like Apple 😉)

Unlike most offer extensions on the Web Store, this one:

• Makes zero network calls — there's no server.
• Stores everything locally in your browser (chrome.storage.local). Nobody else, including me, can see it.
• Never reads your customer ID, cookies, session, or account number — it just looks at on-screen text and clicks visible buttons.
• Is fully open source, unminified. Read every file before installing.
• Requests permission only for the 4 supported sites. No https://*/* wildcard. No background script.
• All previous script posts:
  • amex
  • chase
  • venturex / capitalone

⚡ What it does

• Auto-detects Chase / Amex / Capital One / Walgreens and runs the matching autopilot.
• Mirrors every offer it touches into a local hub — searchable by merchant or value, across every card.
• Multi-card aware: separate Platinum / Blue Cash offers automatically (won't overwrite).
• Harvests your already-added offers too, not just new ones.
• Shows expiry on every offer + sort by Expiring soonest.
• Smarter search: roadrunner, Road Runner, Road-Runner, RoadRunner all match.
• One-tap CSV export. Survives browser restarts.

https://preview.redd.it/cbqr6ald912h1.png?width=882&format=png&auto=webp&s=e4b4e53f5e1c0f67fabf75463280c4d016b7779e

📦 Download

• Direct ZIP: https://github.com/pateljay134/Universal-Offer-Hub/raw/main/Universal-Offer-Hub.zip
• Full source + docs: https://github.com/pateljay134/Universal-Offer-Hub

⚙️ Install — Chrome / Edge / Brave

1. Download the ZIP from the link above, extract it somewhere you won't accidentally delete (e.g. ~/Documents/Universal-Offer-Hub).
2. Open chrome://extensions (or edge://extensions / brave://extensions).
3. Toggle Developer mode on (top-right).
4. Click Load unpacked → select the extracted folder.
5. Pin the icon to your toolbar.

To update later: replace the folder contents with a newer release, then click the reload icon on the extension's card.

🍎 Install — Safari (macOS)

Safari needs the extension wrapped in a tiny Xcode-built app. One-time setup:

1. Install Xcode from the Mac App Store (free).
2. In Terminal, run:xcrun safari-web-extension-converter ~/Documents/Universal-Offer-Hub
3. Xcode opens with a generated project — press ⌘R to build and run.
4. In Safari → Settings → Extensions, enable Universal Offer Hub.
5. If it's hidden: Safari → Settings → Advanced → "Show Develop menu", then Develop → Allow Unsigned Extensions (Safari resets this on full quit).

🧭 How to use

Open Chase / Amex / Capital One / Walgreens → click the extension icon → hit the coloured Run button. The autopilot dashboard appears on the page just like the bookmarklets did. Open the popup any time to search the hub.

💬 Feedback / bugs / new site requests

• Open an issue on the repo (preferred — easier to track).
• Or DM u/pateljay134 on Reddit.

Want a site I don't support yet? Open an issue with the offers-page HTML (DevTools → right-click <html> → Copy outerHTML) and I'll add it. Have your own working script? PRs welcome.

All free, no subscriptions, no paywalls. If it saves you money, treat a friend or family member with a coffee ☕

Happy saving 💸🚀

I'm used to seeing an estimate for a wait time for the lounge and what spot I'm in.

At DEN right now and the app doesn't provide this information anymore.

What gives? We're just supposed to guess how long the wait line is? Makes it difficult to know when I should pull the trigger on waiting or if I should get food elsewhere if the wait is that bad.

I am now in a place in my life that I can justify the higher annual fee to get the X. My understanding is there's no SUB if you do a product change, so I want to just get the Venture X and then cancel out the Venture to get those bonus points. I've already got a Savor so im not sure there's anything worth a PC to and im not worried about the hit on my credit from closing an account. Is there anything I need to be aware of before doing this? Do I need to move points from one card to the other or are they in the same bucket?

Plan on canceling my Hertz booking i made through the C1 app and change it to a Sixt booking which turns out to be much cheaper. I loyalty matched my sixt account by providing proof of my presidential circle status on Hertz.

Since i’m booking for a large group i’m vouching for a 7 seater. Cheapest option seems to be a chrysler pacifica through the C1 app. I will end up linking my sixt member number to the booking.Realistically, how effective would the platinum program be in giving me a higher class car considering this is already a large sized SUV booking? Do i get a choice from a group of cars just like Hertz Presidential? Just wondering before i make the booking.

Back in February, I applied for the Capital One Venture card and was approved with a $7k credit limit. I've already hit the sign-up bonus (SUB) for 75,000 miles after spending $4,000.

Out of curiosity, I just ran the Capital One pre-approval tool and saw that I am currently pre-approved for the Venture X.

I am trying to stack up as many miles as possible (currently at 86k) for my honeymoon next year, so I have two main questions for the group:

1. The Sign-Up Bonus: If I apply and get approved for the Venture X, am I still eligible to receive the online promo bonus of 75,000 miles after spending $4,000? Or does holding the regular Venture disqualify me from a second SUB so soon?
2. The Two-Card Strategy: If I am approved, what is the best move with both cards? Do people usually keep both, or do you cancel/downgrade the regular Venture and ask Capital One to transfer the CL over to the Venture X?

Would appreciate any advice or experiences with managing both of these cards! Thanks in advance. What would you guys do in this situation, for context I already have the savor card with a 15k CL

I’m honestly confused why I can’t get approved for the Venture X.
I applied back in 2025 and got declined. Recently I tried the pre-approval tool again and still didn’t get an offer.
What’s confusing is that I have excellent credit, a high income (over $250k), and already have premium cards with Chase and American Express. My credit profile is pretty strong overall, so I’m trying to understand what Capital One is looking for.
Does Capital One just have really specific approval criteria for Venture X? Has anyone else with strong credit/income been denied or not pre-approved?