Tag Archives: Capital One

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When do the 10K Anniversary Points Post & $300 Travel Credit Reset for Capital One Venture X Credit Card?

Updated 12:00pm PT on 7/27/23: The travel credit posted about a week after purchasing 2 flights from the Capital One Travel portal.  Scroll down to see the update.


Good afternoon everyone, I hope your week is going well.  I just paid the $395 annual fee on my Capital One Venture X Credit Card and wanted to share how quickly the 10,000 anniversary points posted to my account and when the $300 travel credit resets.  The $395 annual fee posted to my account on June 7 and I called Capital One to see if they had any retention offers available.  Unfortunately, they did not have any offers for me, so I paid the $395 annual fee on June 8.

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How to Redeem Bank of America Unlimited Cash Rewards Credit Card $200 Bonus for Statement Credit

Good morning everyone, happy Friday!  A few weeks ago, I wrote Targeted: $200 Bonus for Bank of America Better Balance Rewards Credit Cards Converting to Unlimited Cash Rewards.  In that post, I talked about the targeted $200 bonus for the Bank of America Unlimited Cash Rewards Credit Card.  In this post, I will show you how to redeem the $200 bonus as a statement credit.  But first, here is the front and back of the credit card.  It is very simple and clean with various shades of gray.  This credit cards earns unlimited 1.5% cash back on all purchases and has no annual fee.

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Zelle’s Parent Company (Early Warning Services) Launching New Paze Digital Wallet Service

Updated at 10:30am PT on 6/8/23: Here is a Chase Paze FAQ page and a US Bank Digital Services Agreement page (scroll down to “Using Paze”).


Good afternoon everyone.  I went down a deep rabbit hole that started with an email from Wells Fargo and ended with me finding details of Paze – a new digital wallet service from Zelle’s parent company (Early Warning Services).  Follow me down the rabbit hole as I explain more about Paze.  The journey began when I received this email from Wells Fargo about updates to the Online Access Agreement.  I clicked the link to view the Summary of Changes to see if there was anything noteworthy.

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

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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My Negative Experience Moving / Reallocating Credit Limits / Prepaying Bill with Capital One Spark Business Credit Card

Good afternoon everyone.  A few weeks ago, I did a mini App-O-Rama and applied for 3 business credit cards.  One of those cards was the Capital One Spark Cash Select Business Credit Card.  That credit card currently has a sign up bonus of $500 cash back after spending $4,500 in 3 months.  I applied for this credit card and was instantly approved.  The only problem… my credit limit was exactly $5,000 and I needed to make a $5,000+ charge.  Before continuing, please read my post from this morning: My Positive Experience Moving / Reallocating Credit Limits / Prepaying Bill with Bank of America Business Credit Card.

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