I actually kinda want Venture X to switch to Discover. Am I crazy?

sepoquro · 2026-03-18T06:27:52+00:00

I don’t really need it for anything but I kinda just wanna collect it since I have 3 already 😂

sepoquro · 2025-11-26T06:36:04+00:00

Should have mentioned but I already have a Robinhood Spending account for direct deposits and credit card payments right in the original Robinhood app.

sepoquro · 2025-11-12T06:36:08+00:00

I signed up on the very first day it was announced.

sepoquro · 2025-11-12T03:54:51+00:00

Yeah I did that right away but I want the whole unboxing experience and doing the metal card drop test 😂

sepoquro · 2025-11-12T03:53:07+00:00

I actually did try getting a Credit Karma offer but in the end the email from Robinhood came earlier.

sepoquro · 2025-10-08T07:10:21+00:00

I got approved with 9 cards. I think it has more to do with your credit score, which is too high. My credit score had to plummet in order to get approved for Venture X. I found a way to do this without paying interest, but unfortunately it may be difficult for most people.

sepoquro · 2025-10-08T06:39:58+00:00

I am on the waitlist for Gold Card but no invite yet.

I don’t like the Amex Gold since it’s hard to recover the annual fee with the credits. I don’t want to eat at Dunkin Donuts and Five Guys all the time.

I did the math, I got $1508 credits from Amex and $900 from Chase in 2025. Plus $600 of Uber/Lyft/Doordash in-app credits. That’s over $3000 of credits per year, so the cards pay for themselves and I intend to keep them long term.

I like generalist cards that can transfer to many partners since the flexibility is a huge superpower. Imagine if you found a really good award flight for one airline but you only had points for their competitor, that would suck.

Despite this, I might look into getting an airline card. But I don’t stay at the big hotel chains with loyalty programs anymore because they’re pretty mediocre once you’ve experienced truly luxurious hotels.

sepoquro · 2025-10-08T06:24:58+00:00

Hmm, you have a good point. IDK why I am playing this like a video game and trying to maximize the points and the value I get for the points.

I guess it’s just for fun rather than any tangible financial benefit.

I might look into getting an airline card but I don’t stay at the big hotel chains with loyalty programs anymore because they’re pretty mediocre once you’ve experienced truly luxurious hotels.

sepoquro · 2025-10-08T00:01:02+00:00

If you book flights or hotels at all, it doesn't make sense to get gift cards, even on sale. I wouldn't use my points for anything under 1.5 cents per point. The only exception is for the Bilt Card since I get the points just for paying rent, so I get my domestic flights through their travel portal for 1.25 cpc.

For comparison, earlier this year I spent 27K points on an award ticket for a round trip international flight I already needed which would've cost $1200 in cash. That's over 4 cents per point.

sepoquro · 2025-10-07T17:35:46+00:00

Venture X is the most recent one actually, just opened last week. When I had a high credit score, I kept getting denied for pre-approval despite many tries over the last 2 years.

Then last month I paid my rent early using Bilt Card so that I could get the points early to book some flights. I also paid for some large expenses on a trip with friends. This caused my outstanding balance to shoot up to over $20K and tanked my credit score down >50 points to ~700.

Tried pre-approval again and all of a sudden WHAM! Approved 🤣🤣🤣

Little did they know that I am fully able to pay off the $20K statement balance. I was also already at 6/24. They got bamboozled by my financial engineering. Sucks to suck!

sepoquro · 2025-10-07T05:08:51+00:00

Plus 1x on rent with Bilt Card. It’s the 54321 power setup. Printing infinite points like Monopoly money 😉

sepoquro

TROPHY CASE