I've had this card for about a year now. Here is some background. So when I was 18 I had 2 credit cards that I let go into default (crazy teen not really aware of credit how important credit is) I think my credit score was somewhere in the low 500's. Fast forward 10 years later in 2015 I had no real credit history of my own (my mom co-signed for 2 cars for me). I went to the dealership to look at a car and ended up buying it on my own . I remember calling my mom at the dealership saying how I probably wasnt going to get approved but I did. My credit score was 644 according to the salesman. The 2 cards had fallen off of my credit report I only had a couple of small medical things like $200 total on the negatives. I applied for a Capital one Quicksilver one card and I was app for $1000 it's now at $3000 and the United MilagePlus card. With the MilagePlus Card I was so scared because I didnt think I would get it but I got app for $5000! My limit is still at $5000 because I dont want another credit inquiry from them Chase does a hard inquiry but I think I am just going to go for it so the limit increase helps my overall utilization. Oh, when I first applied for the card I was supposed to get 2 club passes. A couple of months went by and I didnt get them. I called customer service and they saw that they infact were not mailed. I wanted them for an upcoming trip I was about to go on.They overnight shipped the passes +2 extra for my trouble to my front door through UPS. I thought that was awesome.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 16.99% - 23.99%* Variable
- Annual Fee $0 intro, $95 after first year
- Purchase Intro APR Not Applicable
- Purchase Regular APR 16.99% - 23.99%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
Love our Venture card(s). Ome for personal and one for business. Was really looking forward to this card as we fly United regularly. Redemption is through the mileage plus people and I'm not wasting one more minute of my life on this card to explain how bad their service is and how difficult it was to plan trips around restrictions. Hours on the phone every trip. You've been warned. One star for lack of useability. Which is the only reason to buy it. $95 annual
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Sample Size: 751
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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