AAdvantage Citibank Master Card vs. Capital One Venture One

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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PallasAthena
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AAdvantage Citibank Master Card vs. Capital One Venture One

Postby PallasAthena » Sat Dec 17, 2016 9:41 pm

I have the AAdvantage Citibank Master Card that costs me $95 / year. It gives me one mile per dollar spent unless I buy plane tickets from their AA site. Then, they give me 2 miles per dollar spent.
I am thinking about switching over to the Venture One by Capital One. It has no annual fee and I get 1.25 miles per dollar spent. If I opt for the Venture instead of Venture One, I get 2 miles for every dollar spent and the annual fee is $59 (waived the first year). (Neither Capital One card has foreign transaction fees).
Should I ditch the AAdvantage Master Card in favor of a Cap One? If so, which Capital One card should I go for, Venture One or Venture?
I do travel somewhat frequently and try to use AA as much as possible since I have the card.
Dec '16 Fico: 800+
Ch 7 BK in '06, finally dropped off in '16
2 mortgages
paid off car
$0 CC debt (Disc, Citi, and WF Amex)


mountaindewvoltage
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Re: AAdvantage Citibank Master Card vs. Capital One Venture One

Postby mountaindewvoltage » Sun Dec 18, 2016 12:32 am

PallasAthena wrote:I have the AAdvantage Citibank Master Card that costs me $95 / year. It gives me one mile per dollar spent unless I buy plane tickets from their AA site. Then, they give me 2 miles per dollar spent.
I am thinking about switching over to the Venture One by Capital One. It has no annual fee and I get 1.25 miles per dollar spent. If I opt for the Venture instead of Venture One, I get 2 miles for every dollar spent and the annual fee is $59 (waived the first year). (Neither Capital One card has foreign transaction fees).
Should I ditch the AAdvantage Master Card in favor of a Cap One? If so, which Capital One card should I go for, Venture One or Venture?
I do travel somewhat frequently and try to use AA as much as possible since I have the card.


You'd be absolutely nuts to do that.

$95/yr AAdvantage Card gives you:
1) First checked bag is free.
2) 25% savings on in flight purchases.
3) Group 1 boarding.
4) 10% of your miles back, up to 10,000 per year when redemptions are made.
5) Reduced mileage rewards.
6) Citi Price Rewind.
7) Lost baggage protection.
8) Trip cancellation and interruption protection.
9) No foreign transaction fees.

Capital One Venture Cards, including the $59 annual fee card gives you
1) No foreign transaction fees.
2) Nothing else.


The Venture cards are worthless tbh. You're better off changing to a Citi Double Cash.

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kcm7
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Re: AAdvantage Citibank Master Card vs. Capital One Venture One

Postby kcm7 » Mon Dec 19, 2016 11:38 am

Agreed with Mountaindewvoltage for the most part, but ask yourself these questions (for the record, I cancelled my AA card a few years ago and now use the no-fee Barclaycard Arrival for my travel purchases):

-Do you use the free bag-check benefit ever? If you ALWAYS carry on your bags, the AA card might have less value.

-How many flights per year are you booking with the AA card, and what's the value of the free flights you're getting? If you're not maximizing your point value and simply getting a $200 rewards flight every year, you might want to rethink the AA card.

I ended up cancelling my AA card because my city became less of an AA hub, so I was booking *maybe* two AA flights per year. You say you travel "frequently," but that means something different to every person.

And be sure to look into the value per point you're getting from your AA miles. If it's less than 1.25 cents per point, the VentureOne may be the better. But, if that's the case, just get a no-AF cash-back card (like the Double Cash from Citi, as Mountain mentions), or the Chase Freedom Unlimited, which offers 1.5 percent back.
Cards:

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)
-IHG

Stros05
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Re: AAdvantage Citibank Master Card vs. Capital One Venture One

Postby Stros05 » Mon Dec 19, 2016 2:04 pm

You might also want to consider the Chase Sapphire Preferred card. You get 2X on travel and dinning. Then, if you purchase your travel through Chase's Ultimate Rewards portal, then you get a 25% bonus on your redemptions.

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CarefulBuilder14
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Re: AAdvantage Citibank Master Card vs. Capital One Venture One

Postby CarefulBuilder14 » Tue Dec 20, 2016 9:19 pm

OP may have elite AA status, making some card-linked perks irrelevant.

Still, Venture One is hardly the cream of the crop.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card



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