Credit Card Information

According to your LazyBonus plan, the best new credit card for you at this moment is the Capital One Venture Rewards.

Welcome Bonus: 75,000 Bonus Points (worth $750 on travel) after you spend $4,000 within the first 3 months.

Annual Fee: $95.

While you could redeem the points for a higher value by transferring them to airline partners, the easiest way to redeem the points is through rewards as a statement credit. With this option, you book travel however you want, then redeem miles for statement credit for some or all of the cost. Miles are worth 1 cent apiece when redeemed — and there's no minimum redemption amount.

+ WELCOME BONUS VALUE

+ GUARANTEED BENEFITS

– ANNUAL FEE

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= $735 CASH-BACK VALUE (18% in Cash-Back Value when you spend $4,000)

If you take full advantage of all the card's benefits, your total Cash-Back or Travel value could be even higher.

Instructions

Fill out the application using the link here.
When you reach the Income section, remember that you can include any income source for which you have a reasonable expectation of access. This includes personal income, contributions from family or a partner, gifts, scholarships, and retirement distributions.
Submit your application.
If you are approved, congratulations! Your new card typically arrives in 7 to 10 business days.
Need it sooner? There's a way. Call Capital One customer service at (800) 903-9177 and inform them of your card approval. You can then request free expedited shipping, and your card will arrive in just 1 to 2 business days.

After you submit your application, you may see a message like: We have received your application, and we will inform you of our decision as soon as possible. In this case your application may be denied, but don't lose hope:

Call the Capital One reconsideration line at (800) 625-7866.
Follow the automated menu to connect with a customer agent (usually, pressing 0 is the quickest route).
Once you speak with an agent, explain that you applied for this credit card and ask if they need more information.
If they inform you that your application was declined due to a mistake on your application, request that they amend the application.
If you already have other Capital One credit cards, you can suggest credit reallocation from those cards. This approach often increases your chances of approval.

IMPORTANT: We will not proceed with your LazyBonus plan until you confirm the outcome of this credit card application, using the dropdown below. This is essential to continue with your progress.

Please remember to always pay your credit card bills on time and refrain from spending beyond your means. LazyBonus can only provide suggestions. We are not responsible for the outcome of your credit card applications or anything related to your credit and financial profile.

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Instructions