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Re: Capital One Card Question
[Re: Alaskan]
#58983
06/18/2015 09:51 PM
06/18/2015 09:51 PM
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Joined: Feb 2003
Posts: 266 Maryland
magellan23
Traveler
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Traveler
Joined: Feb 2003
Posts: 266
Maryland
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We use ours all the time. Never a problem.
Charlie and Peggy
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Re: Capital One Card Question
[Re: Alaskan]
#58985
06/18/2015 10:19 PM
06/18/2015 10:19 PM
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Joined: Apr 2001
Posts: 14,647 Brookfield, CT.
pat
Traveler
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Traveler
Joined: Apr 2001
Posts: 14,647
Brookfield, CT.
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We use our CapOne cards everywhere though we originally got them to avoid the international fees in St. Maarten and other international locations. It's just like any other card except this one sends me $50.00 checks all the time. Gotta love that feature, too. Only drawback, as with most credit cards, is the interest but the card is free and if you pay it in full every month you're good to go! <img src="http://www.traveltalkonline.com/forums/images/graemlins/Thumbsup.gif" alt="" /> <img src="http://www.traveltalkonline.com/forums/images/graemlins/Thumbsup.gif" alt="" />
Respectfully,
pat
"Always keep your words soft and sweet, just in case you have to eat them."
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Re: Capital One Card Question
[Re: Alaskan]
#58995
06/19/2015 11:22 AM
06/19/2015 11:22 AM
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Joined: Aug 2000
Posts: 1,241 North NJ, 1720 miles from Para...
Kathleen
Traveler
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Traveler
Joined: Aug 2000
Posts: 1,241
North NJ, 1720 miles from Para...
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We love our Cap1 card! We also love that we can customize it with our own picture. Ours has a beautiful pix of Orient Bay and the Tiko on it. We get comments on it all the time.
That's why I wander and follow La Vie Dansante, that's all I want, La Vie Dansante (JB)
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Re: Capital One Card Question
[Re: DonLinda]
#58999
06/19/2015 04:27 PM
06/19/2015 04:27 PM
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Joined: Jul 2006
Posts: 13,425 Peaceful Eastern North Carolin...
GaKaye
Traveler
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Traveler
Joined: Jul 2006
Posts: 13,425
Peaceful Eastern North Carolin...
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That $20,000 isn't a Venture Card limit.
Like Jim and Beth, we put absolutely everything on the card, including our timeshare maintenance fees, which are considered travel expenditures so we can use the purchase eraser for those, as well as airline tickets and hotel rooms here in the states. I keep track of our finances with Quicken, and just did a quick check: in 2014 we got over $1400 in travel purchases erased just by using this card. Yes, there is an annual fee, but well worth it.
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Re: Capital One Card Question
[Re: DonLinda]
#59000
06/19/2015 04:43 PM
06/19/2015 04:43 PM
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Joined: Mar 2006
Posts: 198 SW Florida
CptCook
Traveler
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Traveler
Joined: Mar 2006
Posts: 198
SW Florida
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DonLinda said: Cap one Venture...$20K limit...can not get it increased. 90 days to redeem travel $$. Still a good card. Don and Linda..... Just to make sure you understand..... The $20000 credit limit is your personal credit limit. Everyone's is different based on their situation. Others are higher than that. I had mine increased by calling and asking as I knew I had some major purchases coming up. This is your credit limit, the amount you are allowed to charge up to in one billing cycle. This is not the number of travel reward dollars you can earn. In fact, with the correct Capital One card, you can earn up to 40000 points each billing cycle if you charge the full $20k and pay it off each month. Also, your points don't expire. The 90 day limit you referred to is that you can only use them to erase travel that has been charged in the last 90 days. You can accumulate points all year long, as many as you want, then use them to erase all the charges for one grand trip. Not sure if that was your understanding or not, but just wanted you to know if it wasn't.
"Be a Traveler, not a tourist!"
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Re: Capital One Card Question
[Re: pat]
#59003
06/19/2015 05:17 PM
06/19/2015 05:17 PM
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Joined: Apr 2008
Posts: 2,978 Connecticut
The_Lurker
Traveler
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Traveler
Joined: Apr 2008
Posts: 2,978
Connecticut
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pat said: We use our CapOne cards everywhere though we originally got them to avoid the international fees in St. Maarten and other international locations. It's just like any other card except this one sends me $50.00 checks all the time. Gotta love that feature, too. Only drawback, as with most credit cards, is the interest but the card is free and if you pay it in full every month you're good to go! <img src="http://www.traveltalkonline.com/forums/images/graemlins/Thumbsup.gif" alt="" /> <img src="http://www.traveltalkonline.com/forums/images/graemlins/Thumbsup.gif" alt="" /> Pat, you don't use Citibank for AA miles?
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Re: Capital One Card Question
[Re: The_Lurker]
#59005
06/19/2015 05:59 PM
06/19/2015 05:59 PM
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Joined: Apr 2001
Posts: 14,647 Brookfield, CT.
pat
Traveler
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Traveler
Joined: Apr 2001
Posts: 14,647
Brookfield, CT.
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Terry,
We have one citibusiness card we still use for AA purchases and very limited expenses but basically, I'm now a Cap One gal. We also have a separate savings account for only vacation monies and that's where all the personal cap one checks go. It's amazing how the dollars mount up. People tell me I should take points but I really do so love getting those refund checks in the mail........ <img src="http://www.traveltalkonline.com/forums/images/graemlins/Thumbsup.gif" alt="" /> <img src="http://www.traveltalkonline.com/forums/images/graemlins/Thumbsup.gif" alt="" />
Respectfully,
pat
"Always keep your words soft and sweet, just in case you have to eat them."
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Re: Capital One Card Question
[Re: The_Lurker]
#59008
06/19/2015 07:20 PM
06/19/2015 07:20 PM
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Joined: Nov 2006
Posts: 323 Leland, NC
drewmon
Traveler
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Traveler
Joined: Nov 2006
Posts: 323
Leland, NC
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We've used our Capital One card for years, several trips to SXM and Europe, never had a merchant refuse it, never had a foreign transaction fee. As far as the annual fee on the Citibank card, there usually isn't one for the first year. And whenever our Citibank card was about to renew, we'd call to cancel it saying we didn't want to pay an annual fee, and they always offered to waive the annual fee if we kept the card. Most years we would cancel the card anyway, just to get a new one and get lots of "new card" bonus miles. And we've flown to SXM many, many times on the miles that we got with the Citi card. Never really found it that difficult to redeem miles on AA, even used our AA miles to get free flights on US Air this past year.
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Re: Capital One Card Question
[Re: JimCandD]
#59009
06/19/2015 08:33 PM
06/19/2015 08:33 PM
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Joined: Dec 2005
Posts: 10,213 GJ, CO S/V Long Overdue
sail2wind
Traveler
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Traveler
Joined: Dec 2005
Posts: 10,213
GJ, CO S/V Long Overdue
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JimCandD said: We have a Venture card with no annual fee but we get 1.25 miles for each dollar. When I talked to the person at Capital One they said if I wanted I could upgrade to the other one that had 2 miles for each dollar spent, but it would have a $59 annual fee. Each person has to decide which is best for them. If my deteriorating math skills are correct, you would need to spend $2950 in a year to make up the annual fee.
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Re: Capital One Card Question
[Re: sail2wind]
#59011
06/19/2015 09:49 PM
06/19/2015 09:49 PM
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Joined: May 2008
Posts: 702 Lake Texoma, Texas
cruzer
Traveler
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Traveler
Joined: May 2008
Posts: 702
Lake Texoma, Texas
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sail2wind said:JimCandD said: We have a Venture card with no annual fee but we get 1.25 miles for each dollar. When I talked to the person at Capital One they said if I wanted I could upgrade to the other one that had 2 miles for each dollar spent, but it would have a $59 annual fee. Each person has to decide which is best for them. If my deteriorating math skills are correct, you would need to spend $2950 in a year to make up the annual fee. It'd be $7867 for breakeven, i.e. 59/(.02-.0125)
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Re: Capital One Card Question
[Re: CptCook]
#59013
06/20/2015 08:25 AM
06/20/2015 08:25 AM
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Joined: Mar 2003
Posts: 1,697
DonLinda
Traveler
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Traveler
Joined: Mar 2003
Posts: 1,697
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CptCook said:DonLinda said: Cap one Venture...$20K limit...can not get it increased. 90 days to redeem travel $$. Still a good card. Don and Linda..... Just to make sure you understand..... The $20000 credit limit is your personal credit limit. Everyone's is different based on their situation. Others are higher than that. I had mine increased by calling and asking as I knew I had some major purchases coming up. This is your credit limit, the amount you are allowed to charge up to in one billing cycle. This is not the number of travel reward dollars you can earn. In fact, with the correct Capital One card, you can earn up to 40000 points each billing cycle if you charge the full $20k and pay it off each month. Also, your points don't expire. The 90 day limit you referred to is that you can only use them to erase travel that has been charged in the last 90 days. You can accumulate points all year long, as many as you want, then use them to erase all the charges for one grand trip. Not sure if that was your understanding or not, but just wanted you to know if it wasn't. Thank you. We have a no fee Capitol One Venture card. It is based on my credit...over 800 and a clean payment record for over 3-4 years. I have called several times to raise the limit, but was told by the banker that my particular card does not have a higher limit. Perhaps other Venture cards do. The redemption travel costs drop off the eraser after 90 days. I do not think they are accessible after that. If I have enough points to erase I do. I understand that points accrue and I could save them for a big trip.
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Re: Capital One Card Question
[Re: Alaskan]
#59014
06/20/2015 02:02 PM
06/20/2015 02:02 PM
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Joined: Mar 2007
Posts: 539 Sugar Land, Tx
IslandBoi
Traveler
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Traveler
Joined: Mar 2007
Posts: 539
Sugar Land, Tx
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there are 2 Cap One cards worth considering, the Quicksilver which is free, and the Venture Rewards card which is $59/year after the first free year
the Quicksilver earns you 1.5 "points" for every dollar charged, and the Venture card 2 points for every dollar...these points can be applied as credits towards your purchases
as far as choosing which card is best for you, if you plan on spending at least $12,000/year on the card, you're better off paying for the $59 Venture...if you're going to spend less than $12k, might as well just get the free Quicksilver card...the simple math, with Venture $12,000 x 2 = 24,000 points = $240 credits, less the $59 fee = $181 net earned....with QS $12,000 x 1.5 = 18,000 points = $180 earned
neither card charges a forex fee
fyi, a CapOne High Yield Checking account is also a pretty decent for ATM usage...no forex fees on withdrawals, CapOne doesn't charge ATM fees, and they will automatically reimburse any fees charged by another bank's ATM <img src="http://www.traveltalkonline.com/forums/images/graemlins/Thumbsup.gif" alt="" />
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Re: Capital One Card Question
[Re: The_Lurker]
#59021
06/23/2015 05:03 PM
06/23/2015 05:03 PM
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Joined: Dec 2005
Posts: 10,213 GJ, CO S/V Long Overdue
sail2wind
Traveler
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Traveler
Joined: Dec 2005
Posts: 10,213
GJ, CO S/V Long Overdue
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The_Lurker said: We just received a Cap One offer in the mail. It's a Venture without an annual fee. I don't see anything about insurance for car rentals. We will have to do some research and see if the fee card is better for us. Capital One covers rentals cars.
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