In today’s episode, we’re chatting about

• Comparing personal Venture cards – which one is actually worth it
• The new Capital One welcome offer eligibility rules — and the order they want you to apply in
• Venture X Business: huge welcome bonus, no 5/24 impact, and how it compares to the personal card
• Lounge access changes coming Feb 1, 2026 — how to pivot
• Why my husband and I both keep the Venture X
• Capital One’s strongest transfer partners and my favorite ways to use the miles
• How to combine miles with anyone who also has miles
• Cash-back cards (Spark, Quicksilver, Savor) that secretly earn miles if you know the trick
• The obscure referral rule that burned me — so you don’t repeat my mistake
• Capital One Shopping Portal's underrated multipliers (and why it can beat Rakuten)
• Using Capital One miles to cover Disney/Universal tickets — and the coding mistake to avoid

  FROM THIS EPISODE

Comparing Credit Cards with Airport Lounge Access

👋 Hi! I'm Michele!

A points and miles expert, using points for family vacations to Japan, Hawaii, Thailand, Greece, Italy, Spain, theme parks and so much more.

I don't believe in spending more to earn more points. The key is knowing how to earn the best points and getting massive value from them.

With a teenager in competitive sports & public school, traveling during the busiest of times is our family's norm. I'll show you my best tips & strategies to use points for making incredible family travel happen.

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