Awesome card, easy to use, but a bit overzealous with fraud denials
I’ve been using the Venture as my top of wallet card for 5 years. It works as advertised, and the points are super easy to redeem against statement credits, netting you a real 2% back when you use on travel purchases. The travel expenses are really easy to find on your statement - things like Uber qualify. You don’t deal with annoying point or cash accruals that only redeem once a year, or are hard to redeem - you can redeem anytime.
It’s my top of wallet because:
First, the Venture is accepted almost everywhere because of the Visa network, whereas my Amex is not. This is a big issue in SF, but was not an issue in my former home, NYC.
Second, it is extremely easy to use, unlike my Fidelity Amex. Capital One makes it easy to see last month’s balance. My Fidelity Amex, on the other hand, makes you jump through hoops and open a PDF to find your previous month balance - the Fidelity homepage only displays the minimum balance and the total balance, not the amount I owe from last month! It makes my skin crawl.
Third, I want to maintain a long credit history, and I know I can always call in and shift this to the no fee version when I want to make it dormant and switch to a new card. Right now, the annual fee is massively offset by the amount I spend on this card, and the foreign transaction fee waiver.
My main complaint:
The sheer number of times I’ve gotten denied by the fraud department over the past 5 years. It happens probably three times a year. One time at my local Safeway, one time at a WalMart 2 hours away, one time at a local department store, one time overseas, and one time at dinner on a date. I’m guessing this is an issue with most cards, but it was never an issue with my Amex Blue Cash while I was living in NY. Most of the time when I get denied on this card, I pull out my Amex and it works. This is a bit embarrassing, but made slightly less horrible because calling in to get it reactivated is a fast process.