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re: Credit Card Rewards and Points Discussion

Posted on 5/8/25 at 7:34 am to
Posted by BamaGradinTn
Murfreesboro
Member since Dec 2008
29223 posts
Posted on 5/8/25 at 7:34 am to
quote:

I don't have it, but another to consider is Capital One Venture X


I have the Venture X card and it is fantastic.


Same here. I love it.

$395 annual fee that pays for itself in the form of an annual $300 hotel credit and another $100 credit.

2% back on all purchases, 5% on airlines, and 10% on hotels. The 10% on hotels usually nets out to a better rate than Travelocity or Booking.com.

The initial bonus is $750 if you spend $4,000 in the first three months, I think.

TSA Precheck and Global Entry is included. If you fly internationally, Global Entry is awesome. Never have had anyone in front of me coming through immigration. Stop, look into the camera, and go.

But my favorite benefit is not just the Capital One lounges but free Priority Pass membership. I live overseas and fly internationally 10+times a year. The first class lounges you have access to internationally are terrific. Some have amazing food. You can bring in a guest for free. I've had it for a year and have been in the lounges in Brussels, Bangkok, Istanbul, Lisbon, San Jose CR. They have all been excellent, with Brussels the best so far. 1,700 worldwide. Check out some of the lounges here...

Priority Pass lounges.
Posted by CajunTiger92
Member since Dec 2007
2868 posts
Posted on 5/10/25 at 12:06 pm to
quote:

Priority Pass membership


Domestically, it has really bad wait times in my experience. The only time I’ve been able to get in without a wait is when I have an early flight and there is no one in the airport. The wait at the Atlanta airport made it totally useless. I was glad to have access to Delta’s lounge.
Posted by Neauxla
New Orleans
Member since Feb 2008
34480 posts
Posted on 6/9/25 at 11:33 am to
quote:


Domestically, it has really bad wait times in my experience. The only time I’ve been able to get in without a wait is when I have an early flight and there is no one in the airport. The wait at the Atlanta airport made it totally useless. I was glad to have access to Delta’s lounge.
I think you can reserve a spot in priority ahead of time. I saw that when I was flying back from Cabo last month.
Posted by CajunTiger92
Member since Dec 2007
2868 posts
Posted on 6/10/25 at 2:24 am to
quote:

I think you can reserve a spot in priority ahead of time. I saw that when I was flying back from Cabo last month.


Interesting. Looks like it’s available ant certain airports and there is a per person fee.


Points guy



Posted by Billy Blanks
Member since Dec 2021
5085 posts
Posted on 7/24/25 at 10:06 am to
I just got the Marriott Rewards card with the $95 annual fee. Get 5 free nights after 5k in the first 90 days. Seems easy enough.

And 1 annual free night? Seems like there should be a catch.
Posted by TigerTatorTots
The Safeshore
Member since Jul 2009
82190 posts
Posted on 7/24/25 at 10:39 am to
There is no catch other than the annual free night I believe is only up to a certain category hotel.
Posted by Billy Blanks
Member since Dec 2021
5085 posts
Posted on 7/24/25 at 12:20 pm to
Nice
Posted by b-rab2
N. Louisiana
Member since Dec 2005
12902 posts
Posted on 8/13/25 at 11:17 am to
I just picked up the Citi Strata Premier as my new daily spender along with my capital one Venture.

For those that fly American, but can justify the travel card, this one seem sto check a lot of boxes for earning AA miles.
Posted by UltimaParadox
North Carolina
Member since Nov 2008
52501 posts
Posted on 9/3/25 at 11:11 am to
Is the Citi travel portal prices comparable? I know they give you the hotel credit, but will that be the only time you use the portal
Posted by b-rab2
N. Louisiana
Member since Dec 2005
12902 posts
Posted on 9/3/25 at 12:39 pm to
When looking at airplane tickets, they were comparable to the flights I was trying to get. In fact, for one flight, they were cheaper, b/c they were booking a few different 1 ways which made me a little nervous. I have not pulled the trigger on either of those yet.
Posted by UltimaParadox
North Carolina
Member since Nov 2008
52501 posts
Posted on 9/4/25 at 7:06 am to
Thanks for the info, looking for possibly replacing the CSR
Posted by Willie Stroker
Member since Sep 2008
16580 posts
Posted on 10/30/25 at 10:49 pm to
quote:

There is no catch other than the annual free night I believe is only up to a certain category hotel.

I think it’s a value of 35,000 points annually. It’s still a value that exceeds the annual fee. If you want a nicer Marriott hotel than a Courtyard, it’s still 35,000 points off the price of a nicer hotel.
Posted by KWL85
Member since Mar 2023
3758 posts
Posted on 11/4/25 at 8:28 am to
Credit cards are getting more specialized with their rewards.

We are using the new Wal-Mart card and get 5% reward on Wal-Mart purchases.

We are using the new Amazon card on Amazon purchases and get 5%.

We use our Sam's card at Sams and get 3%. We also use this card at restaurants and get 3%

Finally, we use a different MasterCard on everything else and get 2% on any purchase.

Our cash back balances have grown to almost $10k.
Posted by Billy Blanks
Member since Dec 2021
5085 posts
Posted on 11/4/25 at 1:15 pm to
quote:

We are using the new Wal-Mart card and get 5% reward on Wal-Mart purchases.



Need to look into this. We spend a shite ton there.
Posted by Teddy Ruxpin
Member since Oct 2006
40821 posts
Posted on 11/16/25 at 3:37 pm to
I despise Marriott and how they operate their program. They don't enforce shite on their program hotels.

Flip side is they are everywhere.
Posted by Billy Blanks
Member since Dec 2021
5085 posts
Posted on 11/17/25 at 7:52 pm to
quote:

I despise Marriott and how they operate their program. They don't enforce shite on their program hotels.


What do you mean enforce? Like not offer a room?
Posted by Teddy Ruxpin
Member since Oct 2006
40821 posts
Posted on 11/18/25 at 9:24 pm to
quote:

What do you mean enforce? Like not offer a room?


They don't enforce program rules regarding benefits against participating hotels. You may not know this, but most hotels are franchised, especially in Marriott. Notoriously hotel owners flaunt the published benefits. On top of that, there's just way too much discretion and sidestepping those benefits. Like room upgrades and so forth. Their program just blows to be honest, but that's just my opinion.
This post was edited on 11/18/25 at 9:25 pm
Posted by Billy Blanks
Member since Dec 2021
5085 posts
Posted on 11/18/25 at 10:23 pm to
quote:

You may not know this, but most hotels are franchised, especially in Marriott.


I did.

quote:

They don't enforce program rules regarding benefits against participating hotels


It looks like you can use points for free stays. Are you saying some do not allow that?
Posted by Teddy Ruxpin
Member since Oct 2006
40821 posts
Posted on 11/18/25 at 10:34 pm to
quote:

It looks like you can use points for free stays. Are you saying some do not allow that?


They allow it, they also game the heck out of it, especially with regards to free nights certificates that can be topped off. If you have a 50k cert, the hotel will price the room at 66k so you can't top it off. Relative to Hyatt's ease of use its ridiculous, but they have like 20x the hotels so people are stuck.

When your program generates a verb with negative connotation it really says it all ( "getting bonvoyed")
This post was edited on 11/18/25 at 10:37 pm
Posted by Billy Blanks
Member since Dec 2021
5085 posts
Posted on 11/21/25 at 8:43 am to
quote:

They allow it, they also game the heck out of it, especially with regards to free nights certificates that can be topped off. If you have a 50k cert, the hotel will price the room at 66k so you can't top it off. Relative to Hyatt's ease of use its ridiculous, but they have like 20x the hotels so people are stuck.

When your program generates a verb with negative connotation it really says it all ( "getting bonvoyed")


Ah damn. That sucks. So they make you buy additional for the stay and therefore not getting any benefit.
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