Tag Archives: Capital One Lounges

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5 Credit Cards, $1,000 in Annual Fees: Which Retention Offers Did I Receive?

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Good afternoon everyone, happy Friday!  In the first week of July, I had 5 credit card annual fees post to my accounts, totaling over $1,000.  As part of my credit card / travel hacking philosophy, I call the credit card company every time an annual fee posts and see if there are any retention offers available, then I decide if I will keep the card open for another year or close the card.

Here are the 5 credit cards and the results of each retention offer call:

Credit Card Name Annual Fee Date Posted
Chase IHG Rewards Business Credit Card $99 7/1/2025
JPMorgan Chase Ritz Carlton Credit Card $450 7/1/2025
American Express Marriott Bonvoy Business Credit Card $125 7/2/2025
American Express Delta Platinum Business Credit Card $350 7/2/2025
Laura’s Capital One Venture Rewards Credit Card $59 7/7/2025

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Forgot Card? Access American Express Centurion Lounges & Capital One Lounges with Phone

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Good morning everyone.  Yesterday, my friend told me that there is a way to access American Express Centurion Lounges and Capital One Lounges without having your American Express Platinum Card, American Express Business Platinum Card, or Capital One Venture X Credit Card with you at the airport.  You just need to sign into the American Express app or Capital One app and there is a way to display a QR code to access the lounges.  I never knew this feature existed, so I thought it would be worth sharing in case you ever find yourself at a lounge without your card.  Several years ago, I wrote a similar post for Priority Pass: Access Priority Pass Lounges without your Card (Use Priority Pass App & Apple Wallet).

Access to American Express Centurion Lounges

To get started, download the American Express app (iOS or Android).  Then sign into the app, select your personal or business Platinum card, and then click the Membership button on the bottom.

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