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freddykrueg
freddykrueg

Also forgot to mention, after the cap1 decisions I applied for bofa travel rewards card a few minutes after unfreezing experian…pending outcome, next day approval through email, no phone interview.

freddy krueg
freddy krueg

First time freezing my experian, I have 9 cards open, 7 this year, applied for venture, spark cash, and spark miles on 2 computers, 1 computer incognito and normal. First app was venture, it processed for a while and I was denied. 2nd was spark cash, instant approval. 3rd was spark miles, instant denial. same info on both apps for business. I have a venture -one currently open so maybe theres credence to cap1 only allowing 2 cards or maybe they dont approve 2 business cards. Just unfroze my experian, it was free to freeze and unfreeze, I live in IL so am suprised there wasnt a $10 fee.

anthonyjh21
anthonyjh21

Has anyone tried to pick up both flavors of the Spark Business card? There’s the Cash and the Miles version. A chat rep w/ cap1 told me they’re different products and getting one doesn’t exclude you from the other sign up bonus. He then mentioned a 30 day waiting period between cards.

Dee
Dee

I was told that today but got applied for another after I hung up anyway. Got approved last night and this afternoon…no second alert.

autum
autum

I have two Capital One cards, one Quicksilver and the other Spark Business. Like that Quicksilver has 1.5% cashback and the bonus after met spending with Spark Business. Not sure if I want to keep Spark since it has an annual fee. Did 2 balance transfers with Quicksilver. Have no balance on both cards. Have been trying to do another balance transfer with Quicksilver, but was told sorry for the inconvenience not available at this time, something like that, not sure why. If I’m not qualified then why show me the promo.

Dee
Dee

I got the same error today.

anthonyjh21
anthonyjh21

I posted this question in the combined pulls post, but I’m hoping to find any data points on Capital One combining personal and business cards. I’m looking at the Venture and the Spark (Business).

Jesse
Jesse

For anyone reading this far down the comments, I tried the Refresh glitch on a CO Venture this morning with no luck.

Elliot
Elliot

I was instantly approved for a CapOne Venture and VentureOne that I applied for within an hour of each other using different browsers, Chrome and Firefox both in incognito mode, respectively. Each was approved with credit lines of $10k, and I called and confirmed the bonus offers.

Furthermore, I have good reason to believe these inquiries were combined since I only received credit alerts from CreditSesame and Credit Karma within a few minutes of the first application for the Venture but before the second application for the VentureOne. After the second application for the VentureOne, I never received any credit monitoring alerts, which I assume I should’ve received had the inquiries not combined.

William Charles

Awesome, Elliot. Update us if you do see a second pull!

walterj
walterj

I have the “Captial One Professional No Hassle Rewards” card, a predecessor to the Venture card. I have had the card over fifteen years and it does have the restrictions that I mentioned in doing a redemption. It also calls the process Purchase Eraser same as the Venture and I assumed they both used the same software platform for erasing purchases. I apologize if I am wrong, but I did read that the newer Venture had the same restrictions – maybe they changed them or maybe what I read was wrong.
I have no wish to spread misinformation. If they got rid of the 15K, 35K, and 60K thresholds for Venture and went for a straight 100 to 1 point to dollar ratio, that would be good news for Venture cardholders.
.
Although I criticize Capital One for their redemption hassles, I will praise them for being one of the first credit card issuers to have a no fee for foreign transactions credit card.

Raul
Raul

Just read the comments in the travel codex link and the last comment on there says this has been fixed and you now can redeem for any point ammount. I have the venture card as well as the cap 1 sparks card. I think the sparks card is a better option since u get 2% cash back and can book trips with cash. If I try and cash out venture miles I would only get 1% cash back instead of 2% for travel. Venture does have it beat on sign up bonus though with its $400 in travel bonus compared to $300 bonus on sparks after minimum spend and adding authorized user.

walterj
walterj

For redeeming points, Capital One Rewards is vastly inferior to Barclay Arrival.
It is so awful and awkward that I would say it is nearly a scam.
If you are happy with losing 50% of the value, you can get a check or statement credit; that is easy.
But to get full value is hard.
You must redeem exactly 15,000, 35K or 60K, above 60K is variable, a penney a point. But the killer is that a partial redemption is not allowed, if the travel cost is more than the corresponding point amount, no redemption is allowed.
For example, you have a $601 travel expense, and 60K points, no redemption allowed.

If you had 30K points and two travel expenses, say $110 and $130, each would cost 15K points for a total of 30K points losing $60 of value. (40 + 20)

If you have a travel expense of $151, it would cost 35000 points.

and so on, it really sucks!