Chase Freedom Unlimited vs Chase Sapphire Reserve

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Chase Freedom Unlimited vs Chase Sapphire Reserve

Contents

We are providing this compare for you since Alice from California asked it via contacting us. These cards are actually in different categories. Chase Unlimited is a good card for general usage. However Chase Sapphire Reserve is a card for travel purposes. So we compared these two cards in two different categories. For general and travel. Besides there is 15 months introductory APR of Chase Freedom. So we also made before intro and after intro compares in Chase Freedom Unlimited vs Chase Sapphire Reserve comparison. We created an example budget for consumers here. If you want us to calculate for you, we can do it freely. You will also understand how introductory APR is effecting bills with this compare.

Chase Freedom Unlimited vs Chase Sapphire Reserve Comparison

You can find comparison of Chase Freedom and Chase Sapphire compares for introductory period. The table below is comparison of both cards. You can check both cards rates, fees, rewards and bonuses.

Chase Freedom Unlimited vs Chase Sapphire Reserve

In the first glance Chase Sapphire looks shiny with good bonuses and opportunities. Especially amount of the bonus is very attractive.

Expenses

This is our example expenses to calculate both cards. With this calculation we are going to much better results than statistics and rates comparison.

We will pay our all credit card debts monthly in all example calculations. If you even pay yoır debts with time, this won’t change winner side but only amount of the money that you will pay.

Monthly Payments and Rewards

Chase Sapphire Reserve is looking like an expensive card. However there are good bonus and additional rewards in the first year. Let’s compare fees and rates of the card with values above.

General Results

It looks like Chase Freedom Unlimited has beaten Sapphire Reserve with the help of introductory APR. However this compare was just for general usage. If you want a travel card, you will need to check results below.

Chase Freedom Unlimited Wins

Travel Results

Chase Sapphire Reserve Wins

Despite of introductory period of the Chase Freedom Unlimited, Chase Sapphire could manage to win this compare. It is because there are high redeem values of Sapphire for travel.

Chase Unlimited vs Chase Sapphire Comparison 15 Months Later

Now these compares are for after introductory APR period. There are not any bonuses now and introductory APR. Let’s see what will happen 15 months later.

General Results After Intro APR

Chase Sapphire Reserve’s annual fee is very high and this is the main reason that the card lost this comparison. However if you are saving your rewards points the amount of your loss will be lower. Chase Freedom Unlimited won this compare with almost $43 difference monthly. It means $516 in a year.

Chase Freedom Unlimited Wins

Travel Results After Intro APR

Chase Freedom Unlimited Wins

In this compare there is 50% better results for Chase Sapphire Reserve. However Chase Freedom Unlimited still get better result than Chase Sapphire Reserve. As we have told you above, the annual fee of the card is too much and this affected the results of this compare seriously once more.

Thoughts on Chase Freedom Unlimited vs Chase Sapphire Reserve Comparison

As we have told at the first paragraph both cards are for different categories. However if a credit card in a general category can beat another one in away matches, it means that card is far better. Chase Freedom Unlimited even get better results than Chase Sapphire Reserve in Travel category despite of it is a cash back card for general purchase purposes.

However if you will use Chase Sapphire Reserve Reserve in short-term (For 15-18 months). This card can provide better options for you since there is 50000 of sign-up bonus which you can increase it via redeem it for travel (75000). We believe that Chase Sapphire Reserve will lost the effect of bonus after 24 months later maximum.

Final Decision

For a long term travel and general purposes winner is Chase Freedom Unlimited Wins.

For short term travel purposes winner is Chase Sapphire Reserve.

Other Comparisons

Ducks Unlimited vs Chase Freedom: Gas Purchase Comparison

Originally posted 2019-01-04 18:36:24.

Capital One QuicksilverOne

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Contents

Review

Capital One QuicksilverOne is a cash back card for consumers who has fair credit score. We are going to mention features of the card and review all facts below. If you have any questions about our review, please feel free to comment this page.

Capital One QuicksilverOne Interest Rates

Interest rates are high for the card. Current interest rate of the card is 26.99%. This is one of downsides of Capital One QuicksilverOne. However this card can be more beneficial than other Capital One credit cards for fair credit score. You can see rewards and fees section below to get more information on this.

Capital One QuicksilverOne Rewards and Bonuses

There are no bonuses for Capital One QuicksilverOne as expected. Generally card companies don’t provide those credit card bonuses to consumers with fair credit score. However 1.5% cash back rate is very good. You can earn those cash backs for every purchases. This is unlimited. You will earn as much as you purchase.

Fees

We can’t complain about $39 annual fee. This is good for the card. There is no foreign transaction fee… This can be good for you if you purchase from abroad with foreign currency. There is not also balance transfer fee which is very good feature.

Cash advance fee is good and bad. It is good because maximum fee is 3% and it is not that much. It is bad because minimum fee is $10 and it is high.

Result

We believe this card is more beneficial than other Capital One credit cards for average credit score. Capital One QuicksilverOne is providing good cash back opportunity for fair credit score. However interest rates are high. You should consider about interest rates before you apply the card.

You can see fees and rates of Capital One QuicksilverOne below.

Capital One QuicksilverOne Rates & Fees

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
26.99%	1.5% Cash Back for every purchases.	$39	Not Available	$10 or 3%	26.99%	Not Available	26.99%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card	Editor Score	Overall Score	Total Cards
General	174	200	100
Rewards	135	189	64
Cash Back	80	123	26
No Foreign Transaction	148	178	40
Balance Transfer	125	226	50

Similar Credit Cards

User reviews are decisive at rankings of the card. If you like/dislike this card, please write a review below.

Originally posted 2019-01-04 01:24:19.

Capital One Platinum Card

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Contents

Review

Capital One Platinum Card is a simple card for those who have average credit score. The card fees and all features are almost same with credit builder Capital One Secured Card. We are going to review all features of the card below. If you have any questions regarding this review, please leave a comment this page.

Capital One Platinum Card Interest Rates

26.99% interest rate is too much for this card. We believe that it is high because the card doesn’t ask for annual fee. However there are much profitable options than this card on other companies at the moment. There are also other good benefits of the card. We are going to mention about those in fees.

Fees

There is no annual fee for the card and this is a good feature. You are not going to make extra payments for the card every year. This will help you save a little bit. However it is not still very attractive because of high interests.

If you are purchasing abroad with other currencies, you are not going to pay extra fees with Capital One Platinum Card. Because there is no foreign transaction fee.

Balance transfer fee doesn’t exist for this card. This is also very beneficial for consumers. If you want to have this card for balance transfer, you are not going to pay fees. However you should also consider about 26.99% interest rate.

Minimum cash advance fee is high but maximum cash advance fee is very good for Capital One Platinum Card. Minimum fee is $10 and maximum fee is 3%.

Capital One Platinum Card Rewards and Bonuses

There are no rewards and bonuses in this card for consumers.

Result

This card is not very beneficial for consumers. There are many better opportunities for consumers who have fair credit scores. Balance transfer fee, annual fee and foreign transaction advantages can be considerable though.

You can see rates and fees of the card below.

Capital One Platinum Card Rates

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
26.99%	None	None	Not Available	$10 or 3%	26.99%	Not Available	26.99%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card	Editor Score	Overall Score	Total Cards
General	171	200	100
No Annual	143	166	60
No Foreign Transaction	133	178	40

Similar Credit Cards

You can see user reviews below. You can also review this card if you like/discard Capital One Platinum Card.

Originally posted 2019-01-04 00:40:22.

Capital One Secured Card

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Contents

Review

Capital One Secured Card is a card that will help you for build credit and rebuild credit. The card is providing basic features for consumers. You can read our review below. We are going to analyze all stats of the card here. Of course we are going to examine all features for those who have bad credit and for those who want to build credit.

Capital One Secured Card Interest Rate

Current interest rate of the card is 26.99%. This rate is too much even for a credit builder card. If you care for interest rate much we recommend you to seek another card. However there are also many other upsides of the card. You will see upsides of the card at other fees section.

Capital One Secured Card Rewards & Bonus

This is a secured card. There is not many card which provides rewards and bonus. However if the situation changes for the card, we are going to update this section of the review.

Other Fees

There is no annual fee of the card and this is the upside of Capital One Secured Card. It is because generally secured cards request payments.

There is no foreign transaction fee for the card. It means if you spend in abroad or if you purchase items in other currencies, you are not going to pay extra for those.

There is no balance transfer fee of Capital One Secured Card. You are not going to pay fees for balance transfers.

Cash advance fee is 3% maximum. This is very good rate. However minimum cash advance fee is $10 and this is much.

Result

Capital One Secured Card is not a perfect card with current interest rates. However if you are seeking a card with no annual fee and no foreign transaction fee, this card can be good for you.

Capital One Secured Card Rates & Fees

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Late Payment Fee	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
26.99%	None	None	Not Available	$38	$10 or 3%	26,99%	None	26.99%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card	Editor Score	Overall Score	Total Cards
General	171	200	100
Credit Builder	136	127	10
For Bad Credits	148	165	10
No Credit History	172	168	10

Similar Credit Cards

Originally posted 2019-01-03 23:37:45.

Capital One Journey Card

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CreditExpert

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Contents

Review

Capital One Journey Card is student credit card that you can apply if you are older than 18 year-old. The card has disadvantages and also advantages. We are going to mention about all facts of this card on the review below.

Capital One Journey Card Interest Rates

Interest rates for balance transfer, cash advance and purchase are very high. 26.99% can be serious trouble for you when you are paying your debts back. Besides there is no introductory period of the card. Since Capital One Journey Card is for students, we believe that it should be helpful more about interest rates.

Fees

There is no annual fee of the card. It is one of good features of the card. So you are not going to pay yearly for it. This is a good feature for a student credit card.

There is also no foreign transactions fee of Capital One Journey Card which will be important at foreign payments.

One of upsides of the card is balance transfer fee. You are not going to pay additional fees for balance transfers. Except interest rate…

Cash advance fee is reasonable rate at the moment. 3% rate is very good.

Rewards and Bonuses

There is no bonuses for the card. We don’t also expect bonuses in student cards. 1% cash back for student cards is average yet.

You can see rates and fees of the the card below.

Thoughts

It is a card with high interest rate and no introductory APR. You can find more beneficial cards for students from other companies. We recommend you to not to apply for this until you have no choice at this situation. If CapitalOne makes change on rates and fees, we are going to update this review and thoughts.

Capital One Journey Card Rates & Fees

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Late Payment Fee	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
26.99%	%1 Cash Back.	None	None	$38	$10 or 3%	26,99%	None	26.99%

FTF: Foreign Transaction Fee

Capital One Journey Card Editor Scores

Type of Card	Editor Score	Overall Score	Total Cards
Student	126	135	2

Type of Card

Editor Score

Overall Score

Total Cards

Student

126

135

2

If you already use Capital One Journey Card and if you would like to review it, please leave a review. You can also find other user reviews below.

Similar Credit Cards

Originally posted 2019-01-03 22:44:59.

Capital One Quicksilver

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Contents

Review

You can find detailed review on Capital One Quicksilver for each features of the card. You can see interest rates, fees, rewards, sign up bonuses and all features of the card below.

Capital One Quicksilver Interest Rates

Purchase APR: 16.24%, 21,24% or 25.24%

Balance Transfer APR: 16.24%, 21,24% or 25.24%

Introductory APR: 0% APR for 15 months for Purchase and Balance Transfer.

Cash Advance APR: 25.24

Minimum APR and maximum APR is high for this card. We believe the current bonus amount is not good and rewards are not also enough to compensate it. However since there is not APR for 15 months, this can be also a good advantage for you.

Capital One Quicksilver Worth It?

If you are planning to Cash Advance with this card regularly, we don’t recommend this card at all. If you are looking for a card with good cash back rates and No APR, you can still consider about Capital One Quicksilver though. 15 months no APR is quite good opportunity for consumers.

Capital One Quicksilver Rewards and Bonuses

Capital One Quicksilver will provide $150 cash bonus to you just after you spend $500. There is also 1.5% cash back for every purchases. 1.5% is not a good rate for this card. $150 dollars cash back is not also very attractive. Some similar rewards card are much beneficial than this.

Fees

There is no annual fee of the card which is a good opportunity for consumers. There is also no foreign transaction fees.

Cash Advance fee and balance transfer fee of the card is very reasonable.

Result

Despite of low bonuses and cash backs, Capital One Quicksilver still considerable because 15 months no APR, no foreign transaction fee, no annual fee and other low fees. You can also find much better cards at this category.

You can see rates and fees of of the card below.

Capital One Quicksilver Rates & Fees

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
0% APR for 15 Months Regular: 16.24%, 21,24% or 25.24%	1.5% unlimited cash back on every purchases. $150 cash bonus when you spend $500.	None	None	$10 or 3%	25.24%	3%	0% APR for 15 Months Regular: 16.24%, 21,24% or 25.24%

Interest Rate (APR)

Rewards ($1)

Annual Fee

FTF(*)

Cash Advance Fee

Cash Advance APR

Balance Transfer Fee

Balance Transfer APR

0% APR for 15 Months

Regular: 16.24%, 21,24% or 25.24%

1.5% unlimited cash back on every purchases.

$150 cash bonus when you spend $500.

None

$10 or 3%

25.24%

3%

0% APR for 15 Months

Regular: 16.24%, 21,24% or 25.24%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card	Editor Score	Overall Score	Total Cards
General	244	200	100
Rewards	221	189	64
Cash Back	150	123	26
No Foreign Transaction	176	178	40
Zero Interest	226	180	43
No Annual	187	166	60
Balance Transfer	241	226	50

Similar Credit Cards

Originally posted 2019-01-03 20:15:37.

Ducks Unlimited vs Chase Freedom: Gas Purchase Comparison

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CreditExpert

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Contents

Gas rewards and cash backs are one of main categories in credit card rewards since this is one of important expenses of consumers. We are going to compare a cash back card with a gas card on this page. Chase Freedom is a cash back card which offers 5% cash back at random categories quarterly. Gas included to this. Ducks Unlimited is a card which is focused on gas purchases only. It provide 5% for gas purchases.

All values on tables are calculated with minimum interest rates.

See our review for Chase Freedom Credit Card.

.Gas Purchase Comparison: Ducks Unlimited vs Chase Freedom

Ducks Unlimited vs Chase Freedom for Gas

We eliminated some other facts such as cash advance and balance transfers in this compare since we focused on gas purchases only.

Our annually purchase for Gas is $2400 only.

First 15 Months – Introductory Period

Since there is $150 sign-up bonus and no APR for Chase Freedom, this will certainly effect to profit and loss table.

Introductory Period Profit and Loss Table

In first 15 months Chase Freedom will be the good side in this comparison as we already expected.

After Introductory APR

The comparison above was just for introductory period of Chase Freedom. One year later, you are going to face with similar rates below.

First Year After Introductory APR

Average APR for Chase Freedom is 21 %.

After Chase Freedom introductory period done, Ducks Unlimited is going to be better choice in a year. However when there is gas quarter in Chase Freedom, things can change… Let’s see it…

When It is Gas Quarter in Chase Freedom (3 Months)

Average APR for Chase Freedom is 21 %.

It seems there is no winner whenever you able to get gas cash backs with Chase Freedom. However if you have lower APR than 21%, Chase is going to be better side. If your Chase Freedom Card APR is lower than 20%, we recommend you to use that card instead of Ducks Unlimited.

Thoughts and Result

For those who wants to get one of these cards: If you would like to have a gas card, we recommend Ducks Unlimited for you since it is providing long-term profit to you. However if you want to use one of those cards for short terms, Chase Freedom will be a better choice because of introductory APR and bonuses.

For those who have both cards: First 15 months, Chase Freedom is going to be your card. After introductory period, we recommend you to use Chase Freedom only at Gas quarter period if your card has APR less than 20%. If your APR is higher than 20%, it won’t worth it much. So Ducks Unlimited will be the better option.

Other Comparisons

Chase Freedom Unlimited vs Chase Sapphire Reserve

Originally posted 2019-01-03 14:52:38.

Capital One Platinum Preferred Card

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Contents

Review

Capital One Platinum Preferred Card is a new credit card product. The company has made a good card for those who has a good credit score. Besides the card is providing consumers to a chance to access a higher credit line when they make their first 5 payments on time. This is also awesome opportunity to improve credit score.

Capital One Platinum Preferred Card Interest Rates

Purchase APR: 16.49%, 21.49% or 25.49%

Balance Transfer APR: 16.49%, 21.49% or 25.49%

Cash Advance APR: 25.49%

Introductory APR: 0% for 9 months on Balance Transfers and Purchases.

We believe that these rates are fair for those who has good credit score. Besides there are additional opportunities of the card. We will also mention about those. Only maximum APR is a little bit high for Capital One Platinum Preferred Card.

Capital One Platinum Preferred Card Rewards & Bonuses

There is no sign up bonus with this card. Some banks are offering sign up bonus for good credit score but they are not much.

Capital One Platinum Preferred Card offers 2% unlimited cash back on gas and grocery. This is a good opportunity for those who are spending much on these purchase categories. You will also earn unlimited cash back to other categories.

Fees

You don’t have to pay extras when you purchase from abroad or purchase with foreign currency. There is no foreign transaction fee of the card.

There is no annual fee of the card which is a good advantage for those who wants to have a card without annual fee.

Cash Advance Fee and Balance Transfer Fee is maximum 3%. This is not bad at all. Generally cards in this category asks for 4% or more. Even 1% can make important difference on those fees. However minimum Cash Advance Fee is a little bit high.

Benefits

These are some benefits of Capital One Platinum Preferred Card:

Travel Accident Insurance
Security and Account Alerts
Purchase Notifications
Auto Rental Collision Damage Waiver
Zero Fraud Liability
Virtual Card Numbers
Extended Warranty
24-Hour Travel Assistance Services

Learn more benefits from the card issuer website.

Result

This card is not bad at all. If you have good credit score and if you would like to improve it, Capital One Platinum Preferred Card can be a good stepping stone for you. So you will able to get better opportunities. We recommend you to not to cash advance as much as you can because rates are high.

Capital One Platinum Preferred Card Rates & Fees

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
0% APR for 9 Months 16.49%, 21.49% or 25.49%	2% unlimited cash back on gas & grocery. 1% unlimited cash back at all other purchase categories.	None	None	$10 or 3%	25.49%	3%	0% APR for 9 Months 16.49%, 21.49% or 25.49%

Interest Rate (APR)

Rewards ($1)

Annual Fee

FTF(*)

Cash Advance Fee

Cash Advance APR

Balance Transfer Fee

Balance Transfer APR

0% APR for 9 Months

16.49%, 21.49% or 25.49%

2% unlimited cash back on gas & grocery.

1% unlimited cash back at all other purchase categories.

None

$10 or 3%

25.49%

3%

0% APR for 9 Months

16.49%, 21.49% or 25.49%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card	Editor Score	Overall Score	Total Cards
General	220	200	100
Rewards	192	189	64
Cash Back	115	123	26
No Foreign Transaction	169	178	40
Zero Interest	159	180	43
No Annual	179	166	60
Balance Transfer	210	226	50

Similar Credit Cards

User Reviews are decisive at rankings of credit cards in our website. If you like/dislike this card, please let other consumers know with review it.

Originally posted 2019-01-03 03:11:27.

Capital One VentureOne Card

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Review

As same as many other one cards of Capital One, VentureOne is a credit card with less rewards and also less interest rate. We are going to review Capital One VentureOne Card on this page for you. You can find detailed information below.

Capital One VentureOne Card Interest Rates

Purchase APR: 13.24%, 21.24% or 25.24%

Cash Advance APR: 25.24%

Balance Transfer APR: 13.24%, 21.24% or 25.24%

Introductory APR: 12 Months 0% for Purchase and Balance Transfer.

We believe that current interest rates of the card is not that bad. Especially we like the minimum APR rate. However 25.24% maximum interest rate is too high for someone with excellent credit score. 1.25x miles for purchase is also below average.

Capital One VentureOne Card Worth It?

If you have too much hotel purchases, this card will worth it. You will need to book from hotels.com though. Otherwise it is not going to be beneficial much for you. We recommend you to try Capital One Venture Card which we have reviewed on Credit Card Center recently.

Rewards & Bonus & Fees

You are going to get 1.25x miles per $1 with this card and actually we didn’t like it much. It is below the average. However 10x miles from hotels.com purchases is awesome opportunity. Additionally you can also get 20000 bonus points with only spending $1000 in first three months. Except regular miles rate, we liked all other rewards and bonuses of the card.

Fees are quite good in Capital One VentureOne Card. No foreign transaction fee, no annual fee are very good. 3% balance transfer fee and cash advance is very good for cards at this level.

You can see all rates and fees of Capital One VentureOne Card below. There is also editor scores of the card.

Capital One VentureOne Card Rates & Fees

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
0% for 12 months 13.24%, 21.24% or 25.24%	10x miles on hotels.com purchases. 1.25x miles on purchases for all categories. 20000 bonus when you spend $1000 in first three months.	None	None	3%	25.24%	3%	0% for 12 months 13.24%, 21.24% or 25.24%

Interest Rate (APR)

Rewards ($1)

Annual Fee

FTF(*)

Cash Advance Fee

Cash Advance APR

Balance Transfer Fee

Balance Transfer APR

0% for 12 months

13.24%, 21.24% or 25.24%

10x miles on hotels.com purchases.

1.25x miles on purchases for all categories.

20000 bonus when you spend $1000 in first three months.

None

3%

25.24%

3%

0% for 12 months

13.24%, 21.24% or 25.24%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card	Editor Score	Overall Score	Total Cards
General	250	200	100
Sign-Up Bonus	238	199	44
Miles	198	189	64
Travel	240	196	8
Hotels	362	356	5
No Foreign Transaction	195	178	40
No Annual	205	166	60
Balance Transfer	230	226	50
Zero Interest	215	180	43

Similar Credit Cards

You like/dislike Capital One VentureOne Card. Our visitors can determine rank of cards on Credit Card Center with review them. You can leave a review below and let other consumers to know about the card.

Originally posted 2019-01-03 02:26:53.

Capital One Venture Card

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CreditExpert

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Contents

Review

Capital One Venture Card is a nice miles card that you can get 2x miles on every purchases and 10x on hotels.com purchases. We are going to provide a detailed review for each features of the card on this page.

Capital One Venture Card Interest Rates

Purchase & Balance Transfer APR: 15.24%, 21.74% or 25.24%

Introductory APR: None

Cash Advance APR: 25.24%

Since you need an excellent credit score to get this card, you can pay 25.24% APR for it maximum. This is actually very high for excellent credit score. Since there is not already any introductory APR, you will feel the highness of interest rates when you receive your first bill. We will make an calculation and compare rewards and expenditure to understand if this card worth it. Let’s see.

Capital One Venture Card Worth it?

Scenario 1-)

Without Cash Advance & Balance Transfer.

My monthly overall purchase is $1200.

I go to vacation for 10 days in a year with my family to abroad. This year we are planning to go to Italy. I will pick a 4 stars hotel from Rome for 10 nights. Here: Radisson Blu es. Hotel. 2 adult and a child (2 year-old). 01.02.2018 price is $209. For ten nights I will pay $2090.

I need to pay $25 for interest every month.

I earn $24 worth miles every month from purchases.

Finally, I earn $17.5 worth monthly miles from my hotel.com purchase. (Totally $209 worth miles annually.)

$16.5 profit monthly.

With Bonus in First Year: $58.16 profit monthly.

With Annual Fee After a Year Later: $8.5 profit monthly.

(I am not using cash advance and balance transfers with Capital One Venture Card. If you will use those, you will need to add extra fees and interest rates. See below for example.)

Scenario 2-)

With Balance Transfer and Cash Advance.

Monthly Purchase: $1200 (Overall)

Monthly Cash Advance: $500 (Overall)

Hotel Purchase: $2090 (Once in a year)

Monthly Balance Transfer: $100 (Overall)

Purchase : I need to pay $25 monthly.

Cash Advance: I need to pay $10.42 interest + $15 fee monthly.

Balance Transfer: I need to pay $2 interest + $3 fee monthly.

Total extra payment: $55.42

Rewards from Purchase: $24

Monthly profit from hotels.com purchase: $17.5

Total rewards: $41.5

$13.9 loss monthly.

With Bonus in First Year: $27.75 profit monthly.

With Annual Fee After a Year Later: $21.81 loss monthly.

Result

Consumers are generally lose at all rewards and expenditure compare of course. However $21.81 maximum lose with current rates is very good. If you need a hotel card and if you spend hotels for a few times in a year, Capital One Venture Card is going to be fully profitable for consumers. If you don’t also use this card for cash advance, it is also going to be very beneficial for consumers.

Besides there is also $100 worth travel credit for you in Capital One Venture Card. We haven’t add it to our compare.

Capital One Venture Card Rewards & Bonus

You care going to earn 50000 bonus miles just after you spend $3000 in three months after account opening. 50000 miles worth $500 and it is really good bonus which will help you to book hotel rooms free.

You are going to gain 10x miles from hotels.com purchases and you can gain 2x miles from all other purchases with Capital One Venture Card.

Annual Fee

First year is waived for Capital One Venture Card. Then you will need to pay $95. This is very good for such a card which is providing high bonuses and rewards.

No Foreign Transaction Fee

If you go abroad or if you buy products from abroad with other currencies, you are not going to pay extra fees for foreign transaction. This is a very good feature for a hotel & travel card. This is also another upsides of Capital One Venture Card.

Cash Advance and Balance Transfer Fee

You are going to pay %3 maximum for your cash advance and balance transfer fee. This is also very good. These fees can be serious problem for consumers. Especially when you calculate all fees that you paid in a year. 3% is a good rate for Capital One Venture Card.

Capital One Venture Card Rates & Fees

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
15.24%, 21.74% or 25.24%	10x miles on hotels.com purchases. 2x miles on purchases for all categories. 50000 bonus when you spend $3000 in first three months.	First year is waived. $95	None	3%	25.24%	3%	15.24%, 21.74% or 25.24%

Interest Rate (APR)

Rewards ($1)

Annual Fee

FTF(*)

Cash Advance Fee

Cash Advance APR

Balance Transfer Fee

Balance Transfer APR

15.24%, 21.74% or 25.24%

10x miles on hotels.com purchases.

2x miles on purchases for all categories.

50000 bonus when you spend $3000 in first three months.

First year is waived.

$95

None

3%

25.24%

3%

15.24%, 21.74% or 25.24%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card	Editor Score	Overall Score	Total Cards
General	250	200	100
Sign-Up Bonus	275	199	44
Miles	290	189	64
Travel	276	196	8
Hotels	426	356	5
No Foreign Transaction	220	178	40

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Originally posted 2019-01-02 23:39:55.