Capital One Travel Rolls Out To All Cardholders With 5x/5% Rewards On Hotels & Car Rentals

Capital One Travel was initially only available on certain Capital One cards and, beginning today, is available for all Capital One Venture, Spark, Miles, Quicksilver, and Savor cardholders.

  • Savor, Quicksilver, Spark Cash, and Student cardholders will have access to Capital One Travel and now earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. 

  • Venture, VentureOne, Spark Miles, and Spark Miles Select cardholders will continue to earn unlimited 5X miles on hotels and rental cars booked through Capital One Travel.
  • Venture X cardholders will continue to earn unlimited 10X miles on hotels and rental cars and unlimited 5X miles on flights booked through Capital One Travel.


Capital One Partners With Turo Car Rental To Offer Bonus Rewards (10x With Venture X; 5x With Venture)

The Offer

Capital One announced today a new partnership with Turo car rental service.

  • Venture X and Venture cardholders will earn bonus points when booking through the Turo app or on Valid May 17 2022 through May 16, 2023.

    • Venture X cardholders will earn 10X miles
    • Venture cardholders will earn 5X miles

Our Verdict

Nice additional perk for the Venture cards, especially Venture X. Capital One often releases these kinds of bonus points partnership offers. Hopefully this one ends up staying around for the long haul.


Credit Card Reviews: Best Credit Cards for Average Credit

From the Mint team: Mint may be compensated if you click on the links to our issuer partners’ offers that appear in this article, including Chase. Our partners do not endorse, review or approve the content. Any links to Mint Partners were added after the creation of the posting.  Mint Partners had no influence on the creation, direction or focus of this article unless otherwise specifically stated.

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Credit cards can be a great way to manage your cash flow and earn rewards for everyday purchases you already make. However, it only takes a few late or missed payments to drop your score from the top tiers down to the “average” or “fair” categories of credit scores.

Card issuers recognize that not everyone has stellar credit. Below, you can find a list of cards designed just for people with average credit. With one of these in your wallet and the right habits, including paying your card off in full every month by the due date, you could find yourself with an improved credit score! If you can commit to managing your cards well, consider one of these top cards.

QuicksilverOne from Capital One

Arguably the best card for people with average credit is the QuicksilverOne card from Capital One. This card offers unlimited 1.5% cash back on every purchase with a modest $39 annual fee. It takes just $2,600 in annual purchases to break-even on that fee, or $216.67 per month.

In addition to cash back, the card has some valuable benefits for purchases and travel. Those include an extended warranty on all eligible purchases, rental car damage coverage, and travel accident insurance. It also charges no foreign transaction fees.

Between the cash back and the benefits, this card offers big benefits over buying with cash or a debit card. Rewards are redeemable for a statement credit, gift cards, or by check.

USAA Rate Advantage Visa Platinum

USAA is one of the best financial institutions for military and veteran households. The USAA Rate Advantage Visa Platinum card is great for its low fees. It has no annual fee, no foreign transaction fee, and comes with the lowest interest rate available from USAA.

Active military families have unique needs and some special financial protections by law. USAA is an expert at dealing with those needs. For example, active duty customers get a special 4% SCRA rate. You can also pick a design that shows off your branch of the armed forces.

The card also features valuable purchase and travel benefits sometimes reserved for more premium cards. Those include rental car insurance, price protection, extended warranty protection, satisfaction guarantee coverage, travel accident insurance, baggage delay insurance, and more.

Capital One Platinum

The Platinum credit card from Capital One is a no-annual-fee card that automatically increases your credit line after making the first five monthly payments on time. It doesn’t offer cash back or travel rewards, but it does make for a low-cost credit card option.

Benefits include rental car coverage, travel accident insurance, and an automatic extended manufacturer’s warranty. These benefits are pretty good for a card with no annual fee.

Even without rewards, most people are better off buying with a credit card if they can pay it off in full each month. Like most cards, this one has $0 liability for fraud and can help you manage your cash flow by letting you choose when you pay it off, as long as it is before that monthly due date of course.

Credit One Bank Platinum Visa

CreditOne Bank offers two different versions of its Platinum card. Depending on your credit, you may qualify for the Rebuild Credit version or the standard Cash Back Rewards version. In either case, you have an opportunity to earn at least some cash back among other benefits.

If your credit fares on the better side of the average category, you may be approved for the version that offers 1% cash back on all purchases. If your credit qualifies you for the rebuilding credit version, you’ll earn 1% back on eligible purchases in categories like dining (1.1% back for some reason), gas, groceries, mobile phone, internet, and cable/satellite TV service. You find out which rewards you get when approved.

The card’s benefits are mostly around tracking and improving your credit score. While it leaves purchase and travel protections to be desired, it may be a good choice for people looking to improve their credit while earning rewards on eligible purchases

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Eric Rosenberg

Eric Rosenberg is a finance, travel, and technology writer in Ventura, California. He is a former bank manager and corporate finance and accounting professional who left his day job in 2016 to take his online side hustle full-time. He has in-depth experience writing about banking, credit cards, investing, and other financial topics. You can connect with him at Personal Profitability or More from Eric Rosenberg


Say Goodbye To Overdraft Fees

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Banks make over $15 billion dollars a year in overdraft or non-sufficient funds fees for when customers try to withdraw more money than they have in their account. While these fees can be a big moneymaker for many banks, critics say that they are a regressive fee that targets lower-income consumers disproportionately. While there’s no denying that these types of fees can be big moneymakers for banks, some banks are starting to reduce or eliminate overdraft fees.

What Are Overdraft Fees?

Overdraft fees, also called non-sufficient funds (NSF) fees, happen when you try to make a purchase with your debit card for more than your available balance. If you have chosen to have overdraft coverage, the bank may allow the purchase to go through but then charge an overdraft fee. The amount of these fees vary by bank but is often in the $30-$40 range.

And keep in mind that you’ll get one of these overdraft fees for EVERY purchase that you make where your balance is less than the attempted charge. So if you don’t realize that your bank balance is lower than you think it is and make a series of small charges, you could be facing a $40 overdraft fee for each and every one of those charges. The fees can add up really quickly.

Why Do Banks Charge Overdraft Fees?

So why do banks charge these overdraft fees? The simple answer is that they charge them because they can. While it is often possible to choose not to sign up for your bank’s overdraft protection program, banks usually ask about that as part of the wave of documents that you have to fill out when you open your account. It can be easy to miss in the slew of paperwork that comes with opening an account.

Thankfully, more and more banks are starting to rethink their position on charging overdraft and NSF fees. Bank of America has announced that they are dropping their overdraft fee from $35 to $10, and Capital One has stated that they plan to remove overdraft fees entirely in 2022.

How to Avoid Overdraft Fees

One of the best ways to avoid overdraft fees is to opt out of your bank’s overdraft coverage. Most banks ask whether you want to sign up for overdraft coverage when you open your account. While it can be easy to miss in the mountains of paperwork that come with opening a new account, if you’re looking for it, it should be easy to decline. If you already have an account, contact your bank to see how you can opt out of overdraft coverage. You can also consider switching banks to one that doesn’t charge overdraft fees.

While it is a bit overly simplistic to say that another way to avoid overdraft fees is to not attempt to make purchases for more than your available balance, it is a good practice to be aware of your balance at all times. If you are not in the habit of regularly checking on your total balance, you can download Mint app and set up alerts to notify you when funds are low. 

What To Do If You Get an Overdraft Fee on Your Account

If you do get an overdraft fee on your account, don’t despair — they aren’t always permanent. If this is the first overdraft fee that you’ve gotten, call up your bank and see if they will waive or reverse the fee. Many banks are willing to credit the amount of the fee back to your account, especially if you’ve been a longstanding customer and/or this is the first time it’s happened to you.

Depending on your bank, you may have better luck calling your local branch rather than the toll-free general customer service number. While it may be a bit embarrassing to have to mention to the teller that this happened to you, it can definitely be worth your time. Getting $40 back into your account for a 5 minute call is an hourly rate that’s worth doing!

The Bottom Line

If you’re looking to avoid overdraft fees, you have a couple of tools at your disposal. First of all, consider opting out of your bank’s overdraft protection program. That may mean that a charge you try to make will be declined, but in most cases that would be better than being hit with a $40 overdraft fee. Another option you have is to choose a bank that doesn’t charge these fees — it’s becoming more and more common. If you do get an overdraft fee, make sure to call up your bank and see if they will waive it as a courtesy. Most banks will do that for customers, especially if it’s your first one.

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Dan Miller

Dan Miller is a freelance writer and founder of, a site that helps families to travel for free / cheap. His home base is in Cincinnati, but he tries to travel the world as much as possible with his wife and 6 kids. More from Dan Miller