I applied for the Capital One Venture X credit card and recorded the application process! Learn a SECRET TIP before you apply, understand what’s involved, PLUS I’ll expose my credit score at the end :D Click “Show More” to see Ad Disclosure.

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BACKGROUND
- Capital One pulls from all 3 credit bureaus, meaning you’ll get 3 inquiries for each new credit card application (i.e. 1 on Experian, 1 on TransUnion, and 1 on Equifax). However, you can freeze either Experian or Equifax to avoid one of those inquiries (TransUnion must be unlocked). So, consider freezing the report that has the greatest number of inquiries so Capital One won’t see them. This may put the odds of approval more in your favor. For me, I had the highest inquiry count on Experian, so I decided to freeze that report before submitting my Capital One Venture X credit card application.
- Note 1: Performing a security freeze on your credit report is not necessary. It’s simply a tactic that can be used when it makes sense, as in the case of hiding inquiries that could potentially hurt your approval odds.
- Note 2: Freezing credit reports won’t work for all applications with all banks. The information provided in this video is specific to Capital One as of the recording of this video.

EXPERIAN CREDIT FREEZE
- Go to [ Ссылка ]
- Click on ‘Add a security freeze’
- Select ‘Freeze my own credit file’
- Go through the process

CAPITAL ONE VENTURE X (mini review)

WELCOME BONUS (Dec. 2021)
Earn 100,000 Venture miles (worth $1,000+ towards travel) after spending $10,000 in the first 6 months, PLUS receive a $200 Vacation Rental Credit to be used at eligible merchants, including:
- Airbnb
- Turnkey
- Vacasa
- VRBO

ANNUAL FEE = $395

EARN MILES
- 10X Hotels (booked via Capital One Travel portal)
- 10X Rental Cars (booked via Capital One Travel portal)
- 5X Flights (booked via Capital One Travel portal)
- 2X Other Purchases

MAIN BENEFITS
- $300 Annual Travel Credit
- 10,000-Mile Anniversary Bonus
- Airport Lounge Access: Capital One Lounges and Priority Pass lounges
- $100 Global Entry / TSA PreCheck Credit
- Free Authorized Users: Add up to 4 authorized users at no charge.
- Hertz President’s Circle Elite Status
- Visa Infinite Benefits, including Luxury Hotel Collection
- No Foreign Transaction Fees

MY CREDIT FACTORS – BEFORE
Credit Scores
- Experian: 783 (FICO Score 8)
- TransUnion: 806 (VantageScore 3.0)
- Equifax: 826 (VantageScore 3.0)

Inquiries
- Experian: 9
- TransUnion: 5
- Equifax: 0

New Accounts
- Past 6 months: 0
- Past 12 months: 1
- Past 24 months: 3

Average Age of Accounts
- 3 year 11 months

Prior Relationship
- I’ve been with Capital One since 2017
- 1 personal credit card: Capital One Venture Rewards card
- 1 business credit card: Capital One Spark Cash Select card
- 3 Capital One checking accounts (personal)
- 1 Capital One Savings account (personal)

MY CREDIT FACTORS – AFTER
Credit Scores
- Experian credit score had no change (frozen)
- TransUnion credit score dropped from 806 to 802 (4 points)
- Equifax credit score dropped from 826 to 823 (3 points)

Credit Inquiries
- Experian had no change (frozen)
- TransUnion increased from 5 to 6 (1 new)
- Equifax increased from 0 to 1 (1 new)

New Accounts
- No changes to any report (Venture X won’t be reported for several weeks)

Average Age of Accounts
- No changes to any report (Venture X won’t be reported for several weeks)

WHY I CHOSE THIS CARD
1. Welcome Bonus: 100,000 miles is worth $1,000+ towards travel

2. Spend Requirement / Return on Spend: I could spend $10,000 in 6 months with my normal expenses. $1,000 bonus ÷ $10,000 spend = 10% return (great!)

3. Capital One Lounges: DFW airport = 1st location. I fly to / through this airport multiple times per year.

4. Strong Value with Simple Rewards: Easy to wipe out travel purchases via statement credit at 1.0¢ per point. Potential for higher value via transfer partners.

Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.

#capitaloneventurex #travelcreditcards #creditcards

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