I am thinking of downgrading my $75 annual fee capital one venture card to the no annual fee. I have had this card for 2+ years. Is the process fairly straightforward? Will I lose any existing points? I realize the earning rate is lower. On the $0 card. Your advice is appreciated 🙏

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Posting as :
works at
You are currently posting as works at

The points will stay, as well as all the credit history and ability to use transfer partners. Be aware that unlike other issuers, you won't get refunded the fee unless you cancel/change before the fee hits.

The problem with Cap One is that they only allow "upgrades" (that's what they call product changes of any kind) that they specifically offer. You may not show the venture one as an option.

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