gottalovepluto
DIS Veteran
- Joined
- Jul 14, 2014
Favorite credit cards are overrated. What matters around here are favorite credit card bonuses. Bonuses are where the money is at!I am new to this thread. I am just wondering what is everyone's favorite credit and why? We just got approved for the Chase Sapphire preferred card and waiting for that to arrive. We were considering the Capital One Venture and I am still on the fence about getting that one before their intro offer expires. We currently have Disney Chase and the disney dollars just don't cut it anymore. We are looking to travel to other places and other countries. Our children are grown and in college. We are DVC so we will still visit WDW but we are looking to expand our travel.
Thank you
The Cap1 Venture X current offer is rare so I would apply for that in your case. I think everyone should apply for it honestly. $10k spend can seem like a lot but there is 6 months given to hit the spend (industry standard on offers is 3 months), authorized users get free Priority Pass and Cap1 Lounge access (literally unheard of, even Amex's obscenely priced cards don't offer free AUs with full Lounge privileges), the current annual fee pays for itself entirely ($300 travel credit and 10k points on your anniversary each year worth $100 toward travel charges) and the bonus is $1000-$395 annual fee + $300 travel credit = $905. (More if you can make use of the one time $200 vacation rental thing if that's still offered.) For beginners I specifically like that the points are easy to use ($.01/point when redeeming toward travel purchases- and those don't have to be made on the portal, any travel charge you put on the card would work).
The competitors to this premium card are the Sapphire Reserve ($550 af), Amex Plat ($695 af) and USB Altitude Reserve ($400 af but impossible to get approved for if not a us bank customer), all of which have their own bonuses but I don't think any are as good a bang for a beginner's buck as VentureX offer is.
Chase is a solid starter place and it gets a ton of love around here because it's good value and very easy. But every once in a while we get a shiny new object worth distracting ourselves with like VentureX