Chase Sapphire Preferred Card Review - $750 Introductory Bonus $750 Referral Bonus 2X on Travel & Dining

Chase Sapphire Preferred Card Review

Flying for free is one of the best feelings in the world and the Chase Sapphire Preferred Card makes it possible. This card is the bees knees because the introductory reward is out of this world. 

Not only will you get a humongous bonus at the beginning, you can even boost this bonus to get ever more air miles and travel further and further.

So what makes the Chase Sapphire Preferred Card so great? Well this travel reward card is tailor made for people who travel and love to dine out. 

The Chase Sapphire Preferred Card has a very rewarding way to collect air miles and to top it all up you can boost your points. Here are my favourite highlights of the Chase Sapphire Preferred Card.

Highlight 1: You can earn 60,000 bonus points right off the bat when you spend $4000 on purchases in the first 3 months of account opening. This is equivalent to $600 in travel money which is absolutely crazy.

Highlight 2: When you redeem your points you can do it through Chase Ultimate Rewards Account. The Chase Sapphire Preferred Card air miles points are boosted every time you do this. 

Suppose you collect $600 air miles from the introductory bonus you can boost this to $750 when you redeem the points through Chase Ultimate Rewards, this is well worth it.

Highlight 3: You get am amazing 2X points on travel and dining on the Chase Sapphire Preferred Card. This is perfect for those who live to travel and dine and earn points at the same time. 

Trust me, the points you collect start to build up and before you know it you'll be taking a holiday every year with your Chase Sapphire Preferred Card.

Highlight 4: You can earn a very respectable 1X air mile points on everything else you spend on. You might think this is relatively low, however, if you spend most of your money on dining and flying it is worth the sacrifice.

Highlight 5: The features of the brilliant Chase Sapphire Preferred Card don't stop there. Just when you thought this card couldn't get any better it does. 

You can get 25% more value when you redeem airfare, hotels, car rentals, cruises and car rentals through Chase Ultimate Rewards. Some savvy air mile travellers on Reddit use this feature and really boost their travel plans

Chase Sapphire Preferred Card FICO Requirements

The Chase Sapphire Preferred Card undoubtedly is a brilliant card, it's also very highly sought after because of the amazing benefits and features. 

In a nutshell, everyone who loves to travel using air miles want this card. Because of so much demand you will have to jump through some hoops to get this card!

So what is the FICO requirements and how can you ensure that you highly likely to be approved for this card?

The FICO requirements for the Chase Sapphire Preferred Card is 700+. I always like to give myself a buffer and I only applied for this card when my credit score reached 750. 

Also, before you apply, get a copy of your credit report and go through it thoroughly. Chase Sapphire are very particular and don't like many inquiries to show on your account. 

You should also take the time to fix any errors on your credit report, anything such as a wrong address can throw a spanner into the works. Finally, make sure there are no nasty fraudulent markers and that your credit utilisation is below 30%. 

When you adhere to the criteria listed above you are very likely to get approved for the Chase Sapphire Preferred Card. If you fall short of the required level just be patient and work on your credit score and credit report.

Maximizing Chase Sapphire Preferred Card Air Miles

You're going to love this part...

OK, so we all know this is a brilliant card designed for people who love the idea of flying to far flung destinations. So how do we maximise every penny to collect as much air mile points as possible so we can travel further?

You'll be amazed at some of the strategies people over on Reddit and NerdWallet.com are using to squeeze this card. Even though there is a $95 annual fee this card will enable you to take a holiday every year if you stick to the plan.

Here are some simple strategies you can use, there are more advanced mind blowing strategies to boost air miles which I will be discussing in another post soon. 

Strategy 1: This is a no-brainer but so many people fail to take advantage. Basically, you will need to spend $4000 in the first 3 months of opening this account. 

A lot of people just apply and get approved for this card and don't reach the $4000 spending threshold and forfeit their 60,000 air mile bonus. Don't be one of these people because you are essentially throwing away $750 travel money down the drain.

You need to think before you apply for the Chase Sapphire Preferred Card. Work out how much you spend in 3 months, consider any extra spending that is required for example Christmas. Once you are confident you can reach the $4000 threshold only then should you apply for this card. 

Once you have the Chase Sapphire Preferred Card monitor the spending carefully. Make sure you know the exact dates for the expiry of the offer. Once you're armed with all the information you can pull the trigger and start spending.

You will have $600 travel money after 3 months which is crazy.

Strategy 2: Travelling along can be boring, why not take a special one on holiday. You can refer your partner to the Chase Sapphire Preferred Card and when they are successfully approved you will receive 15,000 points which is equivalent to $150! the Chase Sapphire Preferred Card has one of the most rewarding referral bonus system so you need to take full advantage of it.

Suppose you take advantage of the referral bonus and introductory offer you will have a collective the following air mile points.

First Applicant 60,000
First Applicant referral 15,000
Second applicant 60,000
Total 135,000 which is $1350 in travel money! Bonkers!

Strategy 3: When you redeem your points from the Chase Sapphire Preferred Card you get a 25% boost. This is a crazy way to collect more points. 

If we continue with the example above, both you and your partner have collected 135,000 points, when you boost this by 25% you will end up with 168,750 points which is equivalent to $1687.50 in travel money.

Strategy 4: The Chase Sapphire Preferred Card referral program allows you to earn 75,000 bonus points when you refer 5 people to the Sapphire Preferred account. 

You and your partner can easily refer people through social media, it is relatively easy to refer the Chase Sapphire Preferred Card and the benefits speak for themselves, you will get people who apply. 

Suppose you and your partner are able to refer 5 people each to the Chase Sapphire Preferred Card you will get a total of 150,000 points which is equivalent to $1500 in travel money. Boost the air miles through Chase Ultimate Rewards and this rises to 187,500 which is equivalent to $1875 in travel money. 

When you combine the maximum introductory bonus and referral bonus you end up with a mouthwatering $3,562.50 in travel money. All you have spent is $8000 combined on expenses you would have already spent on so there is no irresponsible spending on your part.

Strategy 5: Put all your expenses on the Chase Sapphire Preferred Card. Cut up all your other cards, or lock them away, the aim is for everything to be funnelled through the Chase Sapphire Preferred Card so you can maximize the points you earn. 

You'll be amazed at how much more you can earn this way. Suppose you love to travel and dine out you can easily add another $500 every year in travel money.

Chase Sapphire Preferred Card Final Thoughts

So is the Chase Sapphire Preferred Card a hit or miss. Undoubtedly, this travel rewards credit card is one of the best travel rewards credit card. 

The introductory and referral bonus alone make it worth applying for. There is a annoying $95 annual fee but this is nothing compared to the benefits you can earn. I also love the fact you can boost the air miles by 25% making further travel possible. 

Honestly, I think this card is a big hit, especially if you're into maximizing travel rewards. Bottom line, apply for this card, take advantage of referral and introductory bonus and fly to far flung destinations!

Chase Sapphire Preferred Card FAQ

So, as a self proclaimed air travel rewards expert I get a lot of questions about the Chase Sapphire Preferred Card. I thought I would answer the top 20 frequently asked question on the Chase Sapphire Preferred Card which will hopefully aid you in making your decision.

What credit score do you need for a Chase Sapphire Preferred card?

You will need GOOD credit score to apply for the Chase Sapphire Preferred Card. The FICO score required to apply for this extremely popular card is 700+. 

To be certain of being approved aim for a FICO score of 750. Do not make any credit inquiries for at least 6 months. Go through your credit report and fix all errors and remove all adverse data by disputing everything. Finally, make sure your credit utilisation ratio does not exceed 30%. By adhering to this criteria you are almost certain to get approved.

How long does it take for Chase Sapphire Preferred Card to approve?

The Chase Sapphire Preferred Card approves instantly if you meet the required guidelines. If you are referred it could take up to 7 to 10 working days for a underwriter to come to a decision. 

Suppose there are some nasty markers on your credit report it could take up to 30 days for a decision. This is why it's very important to go through your credit report to make sure everything is hunky dory.

How long does it take to get approved for Chase Sapphire Preferred?

The Chase Sapphire Preferred Card approves instantly. If you are referred it could take up to 7 to 10 working days, this may be just to analyse your credit usage. The final decision could take up to 30 days which means there is some adverse information on your account which you need to pay attention to and clean up.

Does Chase Sapphire Preferred get you into airport lounges?

Unfortunately, the Chase Sapphire Preferred does not provide complimentary access to airport lounges/clubs. The higher-tier Sapphire Reserve does offer free access to more than 1,200 airport lounges worldwide. You'll just have to pay the card's $450 annual fee to take advantage of this benefit.

Is the Chase Sapphire Preferred Card worth it?

The Chase Sapphire Preferred Card is worth it. There is a lot to like about this card. Although there is a nasty $95 annual fee you still get incredible benefits. You can 60,000 points as a introductory bonus, you can refer 5 people and earn 75,000. 

So by only spending $4000 and referring 5 people you get a combined 135,000 air mile points which can be boosted by 25% when you redeem through Chase Ultimate Rewards, this means your 135,000 air miles turn into 168,750 which is equivalent to $1,687.50 in travel money. 

What is the highest credit limit for Chase Sapphire?

The average Chase Sapphire Preferred Card credit limit is $10,000, however there are about 10% of clients who have a credit limit of over $20,000. Your initial credit limit will depend on your status. You can then request credit limit increases every 6 months to build up your credit limit. There are clients who claim they have a credit limit of up to $100,000.

Will Chase Sapphire Preferred waive annual fee?

The $95 annual fee for the Chase Sapphire Preferred Card will not be waived. Previously, the Chase Sapphire Preferred Card had no fees in the first year. Now you have to pay the fee in the first year, although this is disappointing news, there are now more benefits and features to the Preferred Card which makes it worth paying the fee for.

Does Chase Preferred have lounge access?

Unfortunately, the Chase Sapphire Preferred Card does not have access to airport lounge. However the Chase Sapphire Reserved Card offers lounge access which comes with comfortable seating, complimentary snacks and beverages and free wi-fi. This facility is available in more than 1,200 airports worldwide.

How much is 60000 points worth chase?

The Chase Sapphire Preferred Card with 60000 points are worth $600 in travel money. If you use the Chase Ultimate Rewards to redeem the air miles your points will be boosted by 25% to 75,000 points equivalent to $750 in travel money.

How do I get a priority pass for Chase Sapphire?

To get a priority pass you have to activate your Chase Sapphire Reserve Card Priority Pass membership. This is simple, log into your Chase account. 

On the right side you should see a little section that lists how many Ultimate Rewards points you have. Click that, as it will take you to the Ultimate Rewards website.

Is the Chase Sapphire Preferred Card Metal?

The Chase Sapphire Preferred Card is available in metal and is finished with a delectable blue design and is available to all customers. 

How many guests do you get with Priority Pass?
Do Chase Sapphire points expire?

Points from the Chase Sapphire Preferred Card never expire. as long as you keep your credit card account open and active. 

Does Chase Sapphire cover TSA PreCheck?

Unfortunately, the Chase Sapphire Preferred Credit Card does not cover TSA PreCheck. If you want this facility it is available on Chase Sapphire Reserved Credit Card but it comes with a $450 annual fee.

What airlines partner with Chase Sapphire?

Here are a list of airlines which partner with the Chase Sapphire Preferred Credit Card... 

1. Aer Lingus AerClub
2. British Airways Executive Club
3. Flying Blue AIR FRANCE KLM
4. Iberia Plus
5. JetBlue TrueBlue
6. Singapore Airlines
7. Southwest Rapid Rewards
8. United MileagePlus
9. Virgin Atlantic Flying Club

What are the benefits of a Chase Sapphire card?

The Chase Sapphire Preferred Card has incredible benefits. You can earn 60,000 points by spending $4000 in the first 3 months. You can refer 5 people and earn 75,000. You can boost your points by 25% by redeeming through the Chase Ultimate Rewards Program. You can earn an impressive 2X on dining and travel.

How much is Chase Sapphire annual fee?

The annual fee for the Chase Sapphire Preferred Card is $95. This fee was previously waived in the first year, however, this has been scrapped. Even though there is a $95 fee there are now more benefits to the Sapphire Preferred credit card.

Can I convert my Chase Sapphire preferred to reserve?

You can convert your Chase Sapphire Preferred Card to the Chase Sapphire Reserved Card. Once you've been with Chase for over 6 months and have proven you can manage your account effectively you can call up customer service and ask for the upgrade. The annual fee for the Chase Sapphire Reserved Card is $450 whereas the annual fee on the Sapphire is only $95.

Capital One VentureOne Rewards Credit Card Review- 20,000 Air Miles Bonus, $500 Referral Bonus, Earn 1.25X for Everything

Capital One VentureOne Rewards Credit Card

Travelling the world can be a little easier than you think when you have the Capital One VentureOne Rewards Credit Card in your wallet. 

The Capital One VentureOne Rewards Credit Card is a travel rewards credit card which allows you to collect air mile points every time you spend. You can then redeem these points to travel all over the world. 

I've used this card to go on some very nice holidays and the beauty of it was it's all free. It takes no time at all to collect the points especially if you take advantage of the introductory bonus on offer.

In short, if you love travelling for less this is a travel reward credit card you need in your back pocket. 

In this guide, I'll be sharing my personal experience of this card, the highlights of the Capital One VentureOne Rewards Credit Card and how I have maximized the points to travel all over the world. 

I'll also be answering frequently asked questions on the VentureOne.

Capital One VentureOne Rewards Credit Card Highlights

There is much to love about the Capital One VentureOne Rewards Credit Card. If you are serious about travelling the world using air miles from travel rewards credit card you need to know how to collect as many points as possible. 

Fortunately, the Capital One VentureOne Rewards Credit Card has one of the best introductory bonus and some pretty good features to whet your appetite.

Highlight 1: Incredibly, Capital One VentureOne Rewards Credit Card is offering 20,000 air miles once you spend $1000 within 3 months of opening the account. 

To put this in context, this is equivalent to $200 in travel money which could translate into a short return ticket somewhere.

Highlight 2: Unlike many other travel reward program, the Capital One VentureOne Rewards Credit Card has no annual fee and no foreign transaction fees. 

You are free to roam the world and spend without worrying about nasty exchange rate fees. Aaaahhhh.

Highlight 3: Although not as generous as other travel reward programs, the Capital One VentureOne Rewards Credit Card offers 1.25X miles of every purchase, every day. 

There are no restrictions on what you have to spend on and there is no limit to how many points you can collect. This travel rewards credit card is perfect for those who want a simple program.

Highlight 4: The VentureOne rewards credit card allows you to book tickets whenever you want. 

There are no annoying blackout dates and you can use any airline, hotel, anytime. Just makes travel a little simpler.

Highlight 5: This is my best feature, the Capital One VentureOne Rewards Credit Card allows you to transfer your miles to 12 other travel loyalty programs. 

Quite often, you can boost the air miles when your transfer which means you can go a little further when you travel.

Highlight 6: Gone are the days when air miles expire. The VentureOne Rewards Card provides air mile points which never expire as long as you keep your credit card account open. 

There is a lot to like about the Capital One VentureOne Rewards Credit Card, this card will appeal to those who like a flat based rewards program where simplicity is at its core. 

The introductory bonus is the best around because you just have to spend $1000 do get $200 in travel money, this is one of the best in the market.

Capital One VentureOne Rewards Credit Card FICO

The VentureOne Rewards is one of the best travel rewards credit card and is very sought after. It even comes in metal making it a very desirable card. 

When you combine the excellent benefits and high demand for this card you will inevitably have to have a high credit score to be approved of this credit card.

The FICO score required to apply for the Capital One VentureOne Rewards Credit Card is 700+. You will need Good credit or above. 

I always say aim for 750 FICO points when you apply for the VentureOne Credit Card so you are certain of approval, there is no reason to waste an inquiry and get declined. 

You should also go through your credit report thoroughly to ensure there are no nasty surprises in store and make sure your credit utilisation ratio is low, no more than 30% should do the trick. 

Many fall short of applying for this card, at the beginning I wasn't even close to applying for this card. It took me 9 months to build my credit above a FICO score of 750 so it is possible. 

Take it easy, slowly build your credit and you will soon start to see doors of opportunities opening.

Maximizing Capital One VentureOne Rewards Credit Card

I must confess I like to maximize the rewards on all travel rewards credit card. You won't believe the strategies people use over on Reddit and NerdWalltet.com to make their air miles go further. 

Don't just be content with the points provided, have a strategy to milk the system dry so you can collect more points and travel to far away destinations. 

I wanted to share some of the strategies I have used to collect more points and travel money. 

By using these strategies to maximise travel rewards you will be able to collect air miles quickly.

Strategy 1: I know I'm stating the obvious, however, many people don't do this! Make sure you take advantage of the introductory offer because it is the quickest way to collect air miles. 

The Capital One VentureOne Rewards Credit Card is offering $200 in travel money in the form of 20,000 air mile points, all you have to do is spend $1000 in the first 3 months. Make sure you do this.

Suppose you and your partner are planning a holiday, if you both apply for the Capital One VentureOne Rewards Credit Card and spend $1000 each on normal expenses you will have 40,000 under the belt already!

Strategy 2: This is a rather complex strategy but definitely worth pursuing. You can transfer points collected from the Capital One VentureOne Rewards Credit Card and transfer to other travel loyalty programs. 

Sometimes you can boost these points so 20,000 points becomes 30,000. This is a very quick way to collect more air miles.

Continuing on from our example, suppose you and your partner boost your points from 20,000 to 30,000 by transferring the points through various loyalty programs you will have collected a combined 60,000 points which is $600 in travel rewards.

Strategy 3: The Capital One VentureOne Rewards Credit Card referral program is very lucrative. You get $100 for every successful application and you can earn $500 a year maximum. You really need to take advantage of this excellent offer. 

Suppose you and your partner can both refer 5 successful applicants you will bag a combined $1000 every year which would make a nice pot of travel money. So simple and effective I love it.

Strategy 4: A very simple but overlooked strategy is to hide all your other existing debit cards and vow never to use card again. 

Your only means of spending should be through the Capital One VentureOne Rewards Credit Card or other travel rewards credit card. You will be surprised how many air miles you will collect using this strategy alone.

Strategy 5: Spend money for other people! I know it sound crazy but hear me out. If someone you know and trust has a large expense ask them to give you the cash and you will put the purchase through the Capital One VentureOne Rewards Credit Card. 

You will benefit from the air miles collected and they will benefit from the protection of purchasing with a credit card which is often extended warranties. This really works when you explain it to people! Just make sure they pay you!

I've just scratched the surface, there are more advanced strategies to milk even more money from travel rewards program. 

To start just concentrate on the strategies mentioned above and soon you'll naturally progress to more advanced strategies.

Capital One VentureOne Rewards Credit Card FAQ

I get asked a lot of questions about Capital One VentureOne Rewards Credit Card, before you send me a message or email me check out the frequently asked questions and answers below.   

Q1: What credit score do you need for a Capital One Venture card?

You need to have a FICO score of 700+ to apply for the Capital One VentureOne Rewards Credit Card. To be on the safe side, only apply for the VentureOne when you have a FICO credit score of 750+, this will be worth the wait because you will almost certainly be approved.

Also make sure you've gone through your credit report thoroughly to rectify any mistakes and dispute any nasty data. Keep credit utilization to a minimum at 30% or below. If you keep this criteria in mind you will almost certainly get approved although there is no guarantee! 

Q2: Which card is better venture or venture one?

The Capital One VentureOne Rewards Credit Card has the best introductory offer because you only have to spend $1000 to get $200 in holiday money. Also, it doesn't have any annual fees. Unfortunately, where it falls short compared to the Capital One Venture Rewards Credit Card is you can only earn 1.25X miles for every dollar spend whereas with the Venture Rewards you get 2X.

Most savvy travel reward experts just use this card to take advantage of the introductory bonus which they then boost by transferring to other travel rewards program.
  Q3: What airlines does Capital One VentureOne work with?

There are now 15 airlines that Capital One VentureOne Rewards credit card works with. The full list is shown below.

• Aeromexico (Club Premier)
• Air Canada (Aeroplan)
• Air France, KLM (Flying Blue)
• Alitalia (MilleMiglia Program)
• Avianca (LifeMiles)
• Cathay Pacific (Asia Miles)
• Etihad Airways (Etihad Guest)
• EVA Air (Infinity MileageLands)
• Finnair (Finnair Plus)
• Hainan Airlines (Fortune Wings Club)
• JetBlue (TrueBlue)
• Qantas (Qantas Frequent Flyer)
• Qatar Airways (Privilege Club)
• Emirates (Emirates Skywards)
• Singapore Airlines (KrisFlyer)

Q4: Is the VentureOne card a visa?

When your VentureOne Rewards credit card you will receive a Visa Signature or Visa Platinum credit card.

Q5: Is VentureOne a good card?

The Capital One VentureOne Rewards credit card is a brilliant travel rewards credit card. You get incredible benefits like 20,000 air miles when you spend $1000 in the first 3 months. No annual fee, no foreign transaction fee. You can transfer air miles to 12 other partner reward programs. 

Q6: Is the VentureOne card metal?

Since 15th February 2017, the Capital One VentureOne Rewards credit cardholders have received a metal card instead of a plastic one. The new stainless-steel vaneer is made of 75% recycled material.

Q7: Can I upgrade my Capital One card?

You can upgrade your  Capital One credit card account when you have responsibly managed your account for at least 9 to 12 months. If you think you've managed the credit account expertly you can try sooner. All you have to do is give Capital One a call and ask them to be upgraded.

Q8: Can you use Capital One VentureOne miles on any airline?

Yes, you can use Capital One VentureOne Rewards credit card miles on any airline. Once you've booked your ticket you can convert the air miles to cash and pay off your statement balance for all travel expenses. This keeps life very simple.

Q9: Can I use Capital One Venture miles on American Airlines?

Here is How to Transfer Capital One Miles to American Airlines.

1. Click “Rewards Miles” In Your Online Account.
2. Log into your Capital One account
3. Click the “Transfer Your Rewards” Box.
4. Choose the Airline You Want to Use, in this case choose American Airlines
5. Enter Your Airline Frequent Flyer Number.
6. Confirm Your Transaction
7. Easy

Q10: Can you use Capital One VentureOne miles on Delta?

You won't be able to transfer points to Delta using the Capital One VentureOne Rewards Credit Card. However, the main advantage of the Capital One rewards program is it's versatility. Effectively, you can redeem air miles to pay for nearly all travel purchases made anywhere.

Q11: How many air miles do you need for a free flight?

As a rule of thumb, for economy seats you can expect to use 15,000 air miles one way for nearby countries. You will need to spend 30,000 miles to fly to Asia or Europe. As for first-class and business class, you will need 60,000 to 70,000 miles.

Q12: Can you downgrade Capital One Venture card?

If you're not happy with the Capital One VentureOne Rewards Credit Card you can simply call Capital One customer service and cancel the card or request a downgrade. Explain your circumstances to them and Capital One will guide you through the process.

Q13: Does Capital One increase credit limits automatically?

Capital One seldom increases your credit limit automatically, it is only reserved for their very best customers. You are free to request a credit limit increase online or by calling customer service. Normally, a credit limit increase is implemented every 6 months.

Q14: What's the difference between Venture and Venture One?

The Capital One VentureOne Rewards Credit Card earns 1.25X Air miles for every dollar spent. There is no annual fee and you can earn 20,000 air miles for spending $1000 in the first 3 months.

Capital One Venture Rewards Credit Card earns 2X miles for every dollar spend. There is an annual fee on $95 in second year and onward. You can earn 50,000 air miles when you spend $3000 in the first 3 months.

Q15: What airlines does Capital One Venture card work with?

There are now 15 airlines that Capital One VentureOne Rewards credit card works with. The full list is shown below.

• Aeromexico (Club Premier)
• Air Canada (Aeroplan)
• Air France, KLM (Flying Blue)
• Alitalia (MilleMiglia Program)
• Avianca (LifeMiles)
• Cathay Pacific (Asia Miles)
• Etihad Airways (Etihad Guest)
• EVA Air (Infinity MileageLands)
• Finnair (Finnair Plus)
• Hainan Airlines (Fortune Wings Club)
• JetBlue (TrueBlue)
• Qantas (Qantas Frequent Flyer)
• Qatar Airways (Privilege Club)
• Emirates (Emirates Skywards)
• Singapore Airlines (KrisFlyer)

Discover It Miles Credit Card Review - Anniversary Air Miles Match Promise - $500 Referral Bonus Available - 1.5X Air Mile Per Dollar

Discover It Miles Credit Card Review

Travelling to far flung corners of the world has always been a passion for me and the Discover It Miles Credit Card has helped me go places I thought I'd never be able to go.

The Discover It Miles Credit Card reward card is a fantastic card to have in your wallet. The air miles reward card has some fantastic features such as unlimited miles match in the first year as well as 1.5X air miles earned for every dollar spent. 

You can quickly build up your air miles using the Discover It Miles Credit Card and many people on Reddit and NerdWallet have earned insane amounts of air miles by maximizing the air miles reward. In a nutshell, this is a card you want in your wallet if you want to travel the world.

Discover It Miles Credit Card Features

The Discover It Miles Credit Card has some excellent features, this card will help you see the world if you manage your credit card account properly. Here are some of my favourite features of the Discover It Miles...

Feature 1: The Discover It Miles Credit Card has an unlimited Bonus Promise. Basically, it will match all the air miles your have earned in 12 months and deposit the points to your reward account. Suppose you earn 40,000 air miles in one year Discover It will match it and credit your with another 40,000 air miles. Just so SWEET.

Feature 2: With the Discover It Miles Credit Card you will earn a hefty 1.5X Miles for every 1 dollar your spend on all purchases, there are no exceptions, you can spend on anything and still earn rewards.

Feature 3: The Discover It Miles Credit Card has no blackout dates, this means you can travel whenever you want. You can use your points to purchase rental cars, hotels, and airline tickets. The process is simple and it's great for someone whose just starting out with air miles reward.

Feature 4: Don't feel like flying? The Discover It Miles Credit Card gives you an option where the Miles pay you back. You can either use your points to redeem travel purchase on your statement balance or you can just get cold hard cash.

Feature 5: The Discover It Miles Credit Card Online account is one of the best I've seen. It's very intuitive and you can freeze your account whenever you want. You can use the website or mobile APP for purchases, cash advances and balance transfers. 

Feature 6: You can monitor your credit score using the Discover It Miles Credit Card. You will get a free credit scorecard with your FICO credit score. This will help to keep an eye on your credit score and help you improve it.

Discover It Miles Credit Card FICO Requirements

The Discover It Miles Credit Card is very sought after, any card that gives 1.5X air miles will always be in demand. To get this air miles credit card you need to be smart and check your credit report properly before you apply.

To apply for this air miles reward card you will need a FICO score of 700+, you will need Good credit or above. I always try to increase my credit score 50+ compared to the required level to ensure that I approve, it's not worth wasting a credit inquiry and getting declined.

Also worth mentioning, you will need a minimum of 3 years credit history. You will have a better chance of being approved if your credit utilisation ratio is very low. Also, as a precaution go through your credit report and contact fraud reference agencies to see if there are any nasty fraud markers on your account. When you've done all that you're good to go and there is a high probability you'll be approved.

Maximize Discover It Miles Credit Card Air Miles

Savvy air mile travellers always make their points go further so they can travel more. To do this you need to maximize your air miles reward points. The Discover It Miles Credit Card has ample opportunities to maximize and within a year you can collect enough points to go on a decent holiday. 

There are people on Reddit who are absolutely rinsing this card and making a fortune in air mile rewards. I have taken some of the best strategies and listed them below...

Strategy 1: The Discover It Miles Credit Card doesn't have an initial bonus. However, Discover It promises to match all the points your earn in the first 12 months. In my first year I spend $30,000 and earned 45,000 points. Discover It then matched the points and I ended up with 90,000 which was a decent holiday!

Strategy 2: The Discover It Miles Credit Card has a very lucrative referral program which pays $50 for every person that's successfully approved for the card through your referral link. You can refer 10 people year. If you play your cards right that's $500 in referral bonus every year to use as your holiday money!

Strategy 3: There is no upper limit in terms of spending on the Discover It Miles Credit Card and you can earn 1.5X Air Miles. What you have to do is put everything you spend on this air miles reward credit card. You should also take out additional cardholders who can help you accumulate more points. Give a card to your partner and make plans to fly away!

To get the most out of the Discover It Miles Credit Card you have to put all, and I mean all your expenditure through this credit card. don't spend any cash at all. The air miles do build up slowly but surely. Your aim should be to spend as much as you can in the first 12 months, so if you have a large expenditure you've planned you need to put it on this card.

Discover It Miles Credit Card Review FAQs

I always get questions about the Discover It Miles Credit Card so I thought I would create a mini FAQ with 20 frequently asked questions. If you have any other questions please leave a comment below or send me an email. 

The bottom line is this is a fantastic card for air miles rewards. The 1.5X points make it one of the best air miles reward card. This credit card is also great if you plan to spend big over a period of 12 months because your get your points matched. Finally, this card will help you go on a vacation if you play your cards right and take advantage of all the offers.

Q1: What credit score do you need for a Discover It Miles credit card?

To apply for the Discover It Miles credit card you will need a FICO credit score of 700+. You should also have at least 3 years credit history and no adverse data on your credit report. It will help if your credit utilisation ratio is under 30%.

Q2: Is Discover It Miles Credit card a good credit card?

The Discover It Miles is a good credit card for people who like the idea of being rewarded by air miles for every dollar they spend on their credit card. 

You get a very lucrative 1.5X Miles for every dollar you spend and Discover promise to match your rewards after 12 months. There is no annual fee and no restrictions on how much or where you spend. 

Q3: Can you get a Discover It Miles credit card with bad credit?

You will not get a Discover It Miles credit card with bad credit. The minimum you will need is Good credit and a FICO score of 700+. You should take at least 6 to 12 months to work on your credit to reach the 700 threshold.

Q4: Is Discover It Miles better than Capital One Venture Rewards?

Both cards have some amazing features. The Capital One Venture just edges it for me because it offers 2X Miles for ever dollar spend compared to 1.5X with Discover It Miles. However, Discover It Miles do promise to match your air miles after 12 months. 

Q5: Which is better Discover or AMEX?

Generally, American Express is better for travel reward cards, and Discover It has better offers for cashback rewards.

Q6: Does Discover It Miles approve instantly?

Your credit application for the Discover It Miles will approve instantly if you reach the required threshold. If there are any data on your credit report that needs to be checked you may be issued with a conditional approval.

Q7: What is the average credit limit for Discover it Miles credit card?

The lower credit limit on a Discover It Miles credit card is $300 and the upper credit limit is $20,000. Typically on approval you are expected to receive a credit limit of $3000.

Q8: Does Amazon accept Discover It Miles credit card?

Amazon accepts Discover It Air Miles Credit Card and you will receive 1.5 air miles for every dollar you spend on Amazon.

Q9: How long does it take to get approved for a Discover credit card?

Depending on your credit report you could be approved instantly or your application could be referred for further checks. You will either get a decision instantly or it could take up to 5 working days. Once approved for the Discover It Miles credit your card will be delivered to you within 7 - 10 working days.

Q10: What is the highest credit limit for the Discover It Miles Credit Card?

The highest credit limit for Discover It Miles credit card is $20,000.

The highest credit limit for Discover It Cashback is $15,000.

The highest credit limit for Discover It Balance transfer is $25,000.

Q11: How often does Discover It Miles increase credit limit?

Discover It Miles credit card will consider increasing your credit limit every 6 months since last credit limit increase request.

Q12: Does Discover It Miles credit card give credit limit increase automatically?

Discover It Miles credit card only reserve automatic credit limit increase for their best customers. If you want to request a credit limit increase you can either call Discover or request an increase in the credit limit through the online account.

Q13: Is Discover It Miles credit card accepted at WalMart?

The Discover It Miles is accepted at WalMart and you will earn 1.5 Air Mile Points for every dollar you spend.

Q14: Does Discover It Miles have a referral program?

Discover It Miles credit card does have a referral program. You can refer up to 10 successful applicants each year. You will earn $50 per successful referral. You can earn a maximum of $500 every year.

Capital One Venture Rewards Credit Card Review - 50,000 Points Bonus, $500 Referral Program

Capital One Venture Rewards Credit Card Review

I love the concept of earning air miles every time I spend money on my credit card. If like me, you enjoy travelling using a air miles reward card you will love the Capital One Venture Rewards Credit Card. 

In this Capital One Venture Rewards Credit Card Review, I will be looking at all the bonuses and features of this exceptional rewards credit card, I will discuss the FICO requirements, as well as how to maximize the benefits from the Capital One Venture Rewards credit card and finish off with some FAQs. 

Capital One Venture Rewards Credit Card Features

OK, so I'm in love with this card. I love to travel all around the world and having the Capital One Venture Rewards Credit Card has taken me to some far flung and exotic destination. These places would have been beyond my affordability but was made possible by the air miles reward program.

The features of the Capital One Venture Rewards Credit Card are amazing. There is a annual fee of $95 applicable in the second year, but the rewards more than make up for this annoying fee.

Feature 1: Until the 31st of January 2020, you can earn 10X miles through Hotels.com. You can also transfer these points to partner airlines to maximize your air travel. This is one of the most lucrative air miles offer so be sure to take advantage.

Feature 2: Spend $3000 on purchases in the first 3 months of account opening and receive 50,000 miles! This represents a $500 in travel. You can also convert these points through Airline Partner Programs and convert 50,000 miles to $700!

Feature 3: For every dollar you spend you get 2X miles. There are no limitations to this and it is applicable on every purchase every day.

Feature 4: Another very useful feature of the Capital One Venture Rewards Credit Card is you can receive up to $100 application fee credit for every Global Entry of TSA Pre. No matter how many times you use this feature you will receive a $100 credit. You can also gift this feature to someone. 

Feature 5: The Capital One Venture Rewards Credit Card does not discriminate. You can use the points any time, there are no blackout dates, you can stay at any hotel or fly any airline. You can also transfer your air miles to over 12 leading loyalty programs.

Feature 6: The air miles generated by the Capital One Venture Rewards Credit card will never expire as long as you have your credit account open. I've lost many air miles previously, so this feature offers peace of mind. 

Capital One Venture Rewards Credit Card FICO Score

The Capital One Venture Rewards Credit Card has some incredible benefits. Even when you take into account the $95 annual fee in the 2nd year you're still quids in with all the air miles reward. 

This is a highly sought after card so you need to have a strategy when you apply for the Venture Rewards card to maximize the chances of getting approved.

FICO Score Insights: To be approved for the Capital One Venture Rewards Credit Card you will need a GOOD or EXCELLENT credit score. A FICO score of 700 or higher is required. 

You must also have a credit history between 3 to 5 years and there must be no missed payments or nasty fraud markers on your credit report. You should also wait at least 6 months since your last credit application as the Venture Rewards Credit Card is very sensitive to recent credit inquiries.

The Capital One Venture Rewards Credit Card can really change your life for the better. You can jet off on a new adventure as soon as you've collected enough air miles. Don't let this opportunity pass by by making a speculative application for this wonderful credit card.

Take it slow, check your credit report and your FICO score and make sure you are in the best place possible to get approved for the Capital One Venture Rewards credit card. Make sure your credit score is over 700, make sure you have at least 3 years of payment history and check to see your credit utilisation ratio is 30% or below.

Maximize Capital One Venture Rewards Credit Card

I like to make every penny I spend go further when it comes to collecting air miles reward. By spending some time looking at the small details you could boost your air miles by 20%. This means you can go 20% further when it comes to air travel which is worth the effort. 

Here are some crazy strategies being used by people over at Reddit to make their air miles go further.

Strategy 1: Always take advantage of the bonus offer. Spend $3000 in the first 3 months and get 50,000 air miles which represents $500 in travel. You can then transfer these points to partner airlines to boost it to 70,000 air miles or $700 in travel. 

Strategy 2: You can earn 10X air miles with Hotels.com. You need to rinse this special offer with your Capital One Venture Rewards Credit Card. This offer is only available until 31st January 2020, I'm keeping my fingers crossed that they will extend it because it is one of the most lucrative air miles offer ever.

Strategy 3: Make a list of all the Partner Airlines you can transfer your Capital One Venture Rewards air miles to. With some clever transfers you can boost your air miles by 20 to 50%. 

Strategy 4: Whenever anyone needs to apply for a Global Entry or TSA put it on the Capital One Venture Rewards Credit Card, you will receive a $100 credit. Offer this service to your travel companions and your $100 credits will soon add up.

Strategy 5: You should also take advantage of the Capital One Venture Rewards Credit Card referral program. You can refer up to 5 people a year and generate $100 per person if they are successfully approved. Play your cards right and you could easily generate $500!

Capital One Venture Rewards Credit Card FAQs

The Capital One Venture Rewards Credit Card is one of the best rewards credit card when it comes to air miles. You can simply travel further for every dollar you spend. by being clever and paying attention to details you can boost the air miles and go to far flung locations just for spending money on your credit cards.

The Capital One Venture Rewards Credit Card is highly sought after, this is the credit card I get asked the most about. I thought it would be useful to answer some of the most frequently asked questions about the Venture Rewards.

Q1: When does the Hotels.com 10X offer expire for Capital One Venture Rewards Credit Card?

The current Hotels.com 10X Air Miles offer will expire on the 31st of January 2020. Take advantage of this offer before then by making all your bookings for the year with the Capital One Venture Rewards Credit Card to earn 10 air miles for every dollar spent. 

Suppose you spend $2000 on hotel bookings in advance you will generate 20,000 air miles which equates to $200 in travel which can easily be boosted to $300 by transferring to airline partner programs.

Q2: Will the Hotels.com 10X Air miles bonus be extended for Capital One Venture Rewards Credit Card?

There is a lot of chatter around whether Hotels.com will extend their lucrative 10X Air Miles Bonus, so far Hotels.com have not made a statement to extend the offer however, a lot of credit card experts and insiders are saying it is possible as the offer has been incredibly successful. 

Q3: How many air mile points do you earn for every dollar you spend on the Capital One Venture Rewards Credit Card?

You earn 2X points (air miles) for every dollar your spend on your Capital One Venture Rewards Credit Card. There is an introductory bonus of 50,000 points when your first take out the card. This bonus can be boosted to 70,000 points by transferring points through Airline Partner Programs.

Q4: Is there an annual fee for the Capital One Venture Rewards Credit Card?

The fee for the first year is waived. From the second year you will pay a $95 yearly fee. Most credit card experts will tell you that the benefits collected using the Venture Rewards more than compensates for this annoying yearly fee.

Q5: Does Capital One Venture Rewards Credit Card have foreign transaction fees?

There are no Foreign Transaction fees when you spend the Venture Rewards Credit Card abroad.

Q6: What is the application credit for TSA and PRE when you use the Capital One Venture Rewards Credit Card?

You will receive an application credit of $100 every time your pay using the Venture Rewards Credit Card.

Q7: What are the VISA Signature Benefits when using the Capital One Venture Rewards Credit Card?

You will be eligible for the following Visa Signature Perks...

1. Travel Accident Insurance up to $250,000
2. Lost luggage reimbursement of up to $3000
3. Secondary Auto Rental Coverage
4. Extended Warranty Protection for 1 year when existing warranty is less than 3 years. Maximum $10,000 per claim, $50,000 per cardholder.
5. Purchase security in event of theft or damage within 90 days of purchase. $500 per claim, $50,000 per cardholder.

Q8: How can you redeem points/air miles on the Capital One Venture Rewards Credit Card?

You can redeem your Venture Rewards Air Miles using the Purchase Eraser Option which allows your to redeem the points for travel purchase. You can also transfer your points to airline partners which are listed below.

1. Aeromexico Club Premier
2. Air Canada Aeroplan
3. Air France-KLM Flying Blue
4. Alitalia MilleMiglia
5. Avianca LifeMiles
6. Cathay Pacific Asia Miles
7. Emirates Skywards
8. Etihad Guest
9. EVA Infinity Mileage Lands
10. Finnair Plus
11. Hainan Fortune Wings Club
12. JetBlue TrueBlue
13. Qantas Frequent Flyer
14. Qatar Airways Privilege Club
15. Singapore Airlines KrisFlyer

Q9: What credit score do you need for a Capital One Venture Card?

You will need a FICO credit score of 700+ and at least 3 years of credit history. Make sure you wait at least 6 months since your last credit application and go through your credit report to see if there is anything adverse or fraudulent.

Q10: How many miles do you need to get a free flight using the Capital One Venture Rewards Credit Card?

Suppose you travel using economy seats, you will pay 15,000 miles for a one-way ticket to nearby destinations. You will need 30,000 air miles to travel to Europe or Asia. For 1ST Class and Business Class you will need at least 60,000 bonus points.

Q11: Can you use the Capital One Venture Rewards Miles on any airlines?

You can redeem your air miles and points to partner programs and use Travel Eraser to pay for any travel purchase, however, Capital One Venture Miles can't be transferred to any airline or hotel programs.

Q12: What Airlines can you use the Capital One Venture Rewards on?

When you log into your Capital One Rewards Page you will see all the redeemable travel purchases. The purchases made for airline tickets, hotels, trains, car rentals, limo, bus, cruise, taxi, travel agents and even time shares are redeemable.