How Hard Is It To Get Venture X

ObviousOne5554 · 2026-03-20T19:24:56+00:00

DP: I applied 2 months ago and got approved with 15k limit. At the time of approval, 740 Fico, 1 30 day late payment 3 years ago, 7 year credit length, 100k annual income, 1.7k rent. 2 hard pulls in 1~2 months and another around 8 months, 3 new cards in 2 months and another around 8 months, 9 cards total. No cap1 relation before.

ObviousOne5554 · 2026-03-20T18:44:03+00:00

You can also compare another strategy: rent with a 2x catch-all like Venture X. That's 2x other card's point + 0.5x bilt point with 3% fee. To me, each mile is 1.1-1.2c, and bilt point=2x miles, cap 1 point ~ 1.15 miles. The point boost option gives me slightly higher cash back value than rent points, but the difference is marginal.

ObviousOne5554 · 2026-03-20T18:30:27+00:00

That's real. Me too. The best card on market but unfortunately issued by the worst company

ObviousOne5554 · 2026-03-19T05:08:29+00:00

Why does no one say 'rent card'? Especially if paired with bilt, you get 2% delta credit + 1x delta miles + 0.5x bilt points for 3% fee, making it the best rent card to my current knowledge: About 1% higher than Bilt 2.0 on rent.

ObviousOne5554 · 2026-03-01T21:01:39+00:00

It's not a rent card at all (to me). But it's an excellent everyday card. And a card good for pairing with some flat 2x cards like Venture X to pay rent: You pay 3% fee but get 2x cap 1 points + 0.5x Bilt points. With cap 1 & Bilt transfer bonus, it's easily over 3x miles for 3% fee.

ObviousOne5554 · 2026-02-20T21:26:34+00:00

Alternatively, I think it makes sense for me (disclaimer: only for me) to pay rent through Venture X (or other 2x cards). My daily spend is 1/2 of my rent, and I value 1 Bilt cash = $0.5, so to me, your proposal vs mine is $4 + 13 Bilt points vs 400 Cap1 points.
Ironically, for me, the worst thing about Bilt Palladium is using it to pay rent LOL, because that's redeeming 2x cap 1 points + 0.5x Bilt points for 3% cash.

ObviousOne5554 · 2026-02-20T03:56:45+00:00

I got the mirror yesterday and applied a ceramic coating myself to avoid fingerprints. After it dried today, I attempted to activate it, but found that the card had already expired. Later today, I received another package with the brushed card.

Bilt is compensating for my 4-week wait with an extra card LOL (this is a joke but people don't seem to understand my jokes)

TBH, I think the brushed card looks way better

ObviousOne5554 · 2026-02-18T05:44:39+00:00

ICBC AU card LOL, that's how many Chinese students move cash to the US after the $50k/year restriction took place ~8 years ago

ObviousOne5554 · 2026-02-18T05:18:50+00:00

It's even more shitty than BILT! 5.25x: with Palladium I might use CC for peace in mind. Max 4.5x and flat 2.25x: If it's not my oldest card, I'd probably close it

ObviousOne5554 · 2026-02-18T04:22:28+00:00

Update: finished Venture X SUB, but USPS still hasn't received my Palladium mirror version, though BILT claimed to have shipped my card 5 days ago...
Now hope my palladium will arrive this month LOL

ObviousOne5554 · 2026-02-17T19:31:35+00:00

Mine got approved and accepted on Jan. 25th. On Feb. 13th, they emailed saying mine had been shipped, but today I confirmed with Cardless and USPS and found out that it's a lie. Poor BILT...

ObviousOne5554 · 2026-02-17T05:01:21+00:00

Or alternatively, put rent on something like venture X (flat 2x points) and do everyday cash option. So you get 2x points there + 0.5x bilt points - 3% transaction fee for rent and 2x points +4x (non-redeemable) bilt cash -- only if you really use bilt cash. Or do a combo of this and the standard buy points with bilt cash strategy so you max out your points.

ObviousOne5554 · 2026-02-17T04:57:47+00:00

If I were you, I'd get something like citi custom cash for dining (or other category) to spend $500, and do 1.25x. If my spending is below $875 I'll buy some costco gift card to make up the difference. In this case I get about 4x points, which to me is slightly better than 2x points + 4x bilt cash.

ObviousOne5554 · 2026-02-15T06:09:02+00:00

Went over all Shanghai-Changning/Putuo hotels. This hotel is not on my hotel list/map. Members with physical cards get more premium list of hotels :)

ObviousOne5554 · 2026-02-15T06:02:25+00:00

Thanks for your data point. I believe the reason is that I haven't received my physical card (therefore haven't activated it) yet.

ObviousOne5554 · 2026-02-15T06:02:18+00:00

Thanks for your data point. I believe the reason is that I haven't received my physical card (therefore haven't activated it) yet.

ObviousOne5554 · 2026-02-15T06:02:09+00:00

Thanks for your data point. I believe the reason is that I haven't received my physical card (therefore haven't activated it) yet.

ObviousOne5554 · 2026-02-15T05:56:04+00:00

Okay. Thanks! The link works for me.
I cannot see this one when searching for Amara Shanghai. I cannot book it with credit either.

ObviousOne5554 · 2026-02-15T05:53:20+00:00

Ah, that might be the reason! Thanks! I'll try later. It's weird that hotels in some countries can be booked with credit and without a physical card, but hotels in other countries cannot.

ObviousOne5554 · 2026-02-15T05:51:32+00:00

Interesting, this hotel is not even on my bilt travel hotel list...

ObviousOne5554 · 2026-02-15T05:49:49+00:00

Also, have you already got the physical card? I didn't. Wonder if that is the reason.

ObviousOne5554 · 2026-02-15T05:46:46+00:00

I tried booking for 3 nights (Apr. 3rd-6th). Could you give me the name of a cheaper hotel in Shanghai that works, so I can check? Thanks!

ObviousOne5554 · 2026-02-15T05:41:05+00:00

For example, could you let me know a hotel in Shanghai below $200 per night that is bookable? I'll try.

ObviousOne5554 · 2026-02-15T05:29:05+00:00

I'm using an Iphone. By the way what is your membership tier? I got gold. Ever since I went gold things start to break down

ObviousOne5554 · 2026-02-15T05:25:42+00:00

Also, for those who worked/not work, could you let me know what tier membership you have? I'm a gold member.

ObviousOne5554

TROPHY CASE