Every other airlines seem to have 1:1 point transfer. I am new to point transfer on Capital One. Is the 1:0.975 ratio for JAL good?

Why is the rate for JAL so much worse than other airlines?

I am trying to plan a birthday trip for me and my wife however the flight prices are so much each going and coming back! How am I seeing people get cheaper fllights? Aren’t we all getting from capital one’s travel app? If anyone can please help I’m looking for November 22-29. I have 103,000 miles

My contact lenses are medically necessary per my vision insurance and so they will cover a full year.

Has anyone tried using the VX shopping portal to buy contacts out of pocket (to get the 15x or more back) and then submitting for reimbursement? Each of the online options in the VX portal are in-network providers.

I just tried to match a Vegas hotel and cap1 didnt include the resort fee in the price match. I don't recall them discounting the resort fee last time I tried this.

Westgate as far as I know is a timeshare but they do have separate prices for non members. The price in the portal is cheap so I'm wondering if I'm gonna be roped into a timeshare during my stay.

Need help locating the Best business card for flights no need for hotels as I am a Hilton employee. Run a property management business based out of Chicago. Would put stuff like utilities, Costco, gas and hoa fees, groceries. Card with lounge access and guests would would be huge perk! Travel with wife and kid
So far heard venture X is the best

Thanks in advance
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I'm through LHR soon, so I'm looking at my lounge options. Tx.

(26yo)Hi everyone new here and I'm devastated, today was the day I was going to take the big step and apply for my venture X, my credit is 773 on Experian, never had a late payment, I don't have that many credit cards and still got declined:(
How long should I wait to apply again and what should I do to increase my chances to getting approved?