![]() On the other hand, the Venture’s spending threshold is $4,000 within the first 3 months. The Quicksilver’s spending threshold is $500 within the first 3 months, which is a very low bar to earn the $200 cash. There are two elements to a welcome bonus: the spending threshold cardholders need to reach, and the reward itself. (Yes, I said pocketbook, and no, I’m not smoking a cigar and writing this on a typewriter.) Welcome bonuses That makes all the rewards you earn even sweeter.Īs we’ll see, the Venture’s $95 annual fee may be worth it, but your pocketbook will take a hit at the outset. If you pay off your balance every month, holding a no-annual-fee credit card poses little financial risk. The extra rewards, redemption flexibility, and welcome offer are big advantages. In most situations, the Capital One Venture credit card offers the better overall value. The Venture is better for those who plan to spend more than about $1,600 per month to fully account for the annual fee, but with a generous welcome offer and a few other perks, it’s a good option regardless. The $95 Venture is technically a travel rewards credit card that offers rewards in the form of miles, but it still offers a flexible redemption process. ![]() If you spend more than that, the Venture’s higher rewards should net you more than the Quicksilver, even considering the Venture’s $95 annual fee. It’s also great for those who plan to spend less than an average of $1,600 per month on it. The no-annual-fee Quicksilver is a lean, straightforward cash-back rewards credit card that works well as a main credit card or as a supplement to more specialized credit cards. Both cards offer good rewards regardless of the purchase category. If you’re looking for a flat-rate rewards credit card with a low annual fee, both the Capital One Quicksilver Cash Rewards Credit Card* and the Capital One Venture Rewards Credit Card* are great options. ![]()
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