Venture x retention offer reddit - Last year in April was also offered retention offer ( 400 statement credit for spending 4K 3 months) Background: AmEx customer since 2021.

 
Interested to know your thoughts, I have both and have already found. . Venture x retention offer reddit

Capital One Lounge in Dallas (DFW) A Full Breakdown of the Capital One Venture X Card. No retention offer with over 100k spend, CPC, 6 other cards including business. In other words, if you earn 100,000 points, you’ll get an additional 10,000 each year. I got a 40k points no spend offer after my first year owning the card (and first time Amex customer), maybe only $10k spend that year. There’s a $50 deductible per claim, an $800 benefit maximum per claim, and up to 2 approved claims every rolling 12-month period. This means that costs, income, and ownership of assets would run through the joint venture and go straight to the individuals or businesses involved. Sandwicky • 1 yr. This is a no-brainer, and will be my new keeper card baring any retention offers from my biz plats. The Venture X has a 20,000 available credit with a 20. I'm working my way through the Blue Skies mod in Valhelsia 3 at the moment and I've replayed the summoner boss over 10 times and haven't got the summoning tome to drop yet. Welcome to the sole, officially recognized American Express Community on Reddit! American Express, a premier financial institution, extends a diverse portfolio of services, inclusive of credit, debit, and charge cards, augmented by an assortment of travel-related provisions. It offers incredible perks at a comparatively low $395 annual fee — which may have you questioning whether it's a better option than the higher-priced Chase Sapphire Reserve or The Platinum Card® from American Express. Card Details: Platinum, starting 3rd year, AF posted April 28, 2023 spend was 14k. I think there's just nothing the reps could do. I did some research and it seems like these three cards offer the best benefits for travel. There's no need to overcomplicate things. Twitch Offline Banner Templates Build retention and grow your viewership with our incredible Twitch offline banner templates. For the relatively modest traveler. Using existing Airline credit : r/Venturex. 99% and $20k - was hesitant to even pull the trigger because even though my Cap One QS is now my oldest account - C1 does not show me love with CLI's. I got the card just for the bonus are used it and now I don’t know what to do with it. The first is to waive the card’s annual fee. Here are current retention offers on the Citi Premier Card: $95 statement credit one time, plus 1,000 ThankYou points after $1,000 spend for each month over the next 3 months. Capital One is sending out 1099-MISC tax forms which count the TSA/Global Entry credit and $300 travel credit as *taxable income*. I know TPG isn't everyone's favorite, but the benefits are broken down here. New applicants for the Venture X can earn a 75,000 bonus Capital One miles after spending $4,000 on the card within the first three months from account opening. I have cards with Amex (Platinum and Gold), Chase (Amazon prime, unlimited freedom, sapphire preferred), us bank (cash plus), capital one (venture x) and Bilt. 7 mo. Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening. More than one redditor has said that a simple call to the CSR and their retention offer is to waive the AF. ly/2wG0GloJohn's original vid. Dry Time: 2-4 Seconds Retention: 5 Weeks Humidity 50-70% Temp 23-28 C Color: Black Size: 5g. Direct Link to card details and application Contents [ hide] 1 Signup Bonus 2 Card Rewards. The $300 travel credit is pretty dope. The retention specialist offered me a statement credit of $20/month for 7 months, as. Cell Phone Insurance Protection 7. 9 29 comments Add a Comment fuckforce5 • 7 mo. Overall the venture x rewards travel credit is very easy to use as well as receiving a 100 dollar annual point bonus really negates the whole annual fee. r/Amex as a guide. IN THE BOX: 1 x Sig Sauer Airgun Red Dot Optic Reflex Sight (AIR-REFLEXSIGHT), 1 x CR2032 battery, 2 x mounting plates, 1 x Sig Sauer Hat (May Vary: Leather. Experian VantageScore 3. Chase Sapphire Reserve: Got a retention offer. Does anyone know if Capital One offers retention offers for this card?. Dry Time: 2-4 Seconds Retention: 5 Weeks Humidity 50-70% Temp 23-28 C Color: Black Size: 5g. Using existing Airline credit : r/Venturex. What are retention offers? Once a credit card issuer has spent hundreds of dollars (with a welcome bonus in cash back, points or miles) to entice you to open a card, it needs to find a way to recoup that investment. - DONT Apply for this card!! Below is what happened to me: I'm sharing this because I hope fewer people got tricked by their offer to open the card. You're essentially loaning Capital One $395 until you can recoup it for less than $300 through their travel portal and $100 worth of points. Capital One Venture X is great for anyone who needs a priority pass membership and doesn't already have one from one of the other premium cards. With Venture X, you get 300 dollar travel credit every year so whenever you book through cap1 travel portal, you have 300 dollars to apply to hotels/flights/car rentals and they also give you 10,000. Annual fee: $395. Most of the time, the big banks spent a good chunk of money marketing their credit cards, funding initial welcome bonuses, and offering recurring benefits. Just to play it safe, I'm gonna hold off on downgrading until I. I am coming up for renewal. Venture X Travel Credit Update r/CreditCards • I made an app to maximize your points & offers on all of your cards called CardPointers, and Apple is featuring it in the App Store with the iOS 17 launch!. I took the offer which is even better than opening a new account. I was approved instantly on my first application with Capital One in probably ~20 years with a $30k credit limit. Rentention offer for Amex? Have the Delta Skymiles Platinum from Amex. 5" BofA additional 2% cash back (on top of e. With the large sign-up bonus and vacation rental credit they gave, I doubt they would offer . I know this is a long shot, but my annual fee of the Venture One X is coming and wanted to know if anyone had any luck of getting a Retention Offer. $300 airline credit + 10,000 miles pays for itself. I don't have any other Capital one cards. It could come in a few forms: Waive or reduce your annual fee. Capital One miles are worth one cent apiece when redeemed for travel, either directly through Capital One Travel or as a statement credit toward travel purchases. Jan 1, 2023 · The Capital One Venture X is worth applying for, plain and simple. While lower than its premium competitors, Venture X does carry a $395 annual fee (see rates and fees ). They make plenty money on this card for sure. I was looking to see if there was a better card I could pair with the ventureX instead of the BOA and then downgrade that card to a no annual fee. Sky Glue is perfect for volume or classic lashes. Check out the Capital One Upgrade Link - it is also posted in the Useful Links section if you don't want to click mine. While Chase might offer a few perks in their system for both CSP/CSR that outclasses the Venture X, you get a better flat catch-all multiplier on the VX (2x), you get Priority Pass, you get some rental car status upgrades, you get a Precheck/Global Entry credit. Called in and was very quickly offered either 10K miles or a $100 statement credit towards travel in addition to the standard anniversary bonus of. InitialAtmosphere412 • 1 yr. App looks pretty good and straightforward and with the card benefits, this looks like a good replacement for the Reserve. 4 To receive a statement credit up to $100, you must use your Venture X card to either complete the Global Entry application and pay the application fee, or complete the TSA PreCheck® application and pay the application fee. Capital One shopping: alright. 8 hours ago · Comes with an ADE RD3-012 Delta RED dot sight, a picatinny plate, and a optic mounting plate designed to fit Sig Sauer P320 M17, M18, X-5 Legion and X-Compact Handgun. FWIW, Chases' customer service blows compared to AMEX and Capital One (had to call them to straighten a few things). General C1: Quicksilver Rewards for Good Credit, SavorOne Rewards for Good Credit, and Platinum. Venture X does come with Hertz President's Circle status. The Venture X is Capital One’s take on the premium travel rewards credit card. Then offered 15k for $2000 spend over 3mo, which I accepted. What are the best classes for Grim Dawn in 2020? 1. Capital One will likely deny you for bogus reasons. Retention offers are algorithmically generated, they are either in the computer or not. I know the $300 travel credit can take some time to be reimbursed, but my question is, does it show up on the tracker after you have received the credit or before? I have spent close to a total $1000 on multiple hotel bookings through the Capital One portal, but the tracker itself has not updated. Looking to purchase a JB ticket as I have credit with them, anyway to put that in capital one travel before purchasing? If not, has anyone had luck calling airline after booking to get credit applied? 0. The Venture X card's sign-up bonus is 75,000 bonus miles after you spend $4,000 on purchases in the first three months from account opening. This means that costs, income, and ownership of assets would run through the joint venture and go straight to the individuals or businesses involved. For Plat you have to either re-up, hopefully get a retention offer,. I wrote in a comment a few weeks ago that I plan to get in touch with Capital One for a retention offer or I will be downgrading to a lower . Annual fee: $395. Reddit iOS Reddit Android Reddit Premium About Reddit Advertise Blog Careers Press. SavorOne is 2% on Groceries, not 3%. ago More posts you may like. That makes this bonus worth $1,388. My understanding is that this card has lifetime language and it’s a decent card, just have had a terrible options for the companion Pass given a everybody’s been sitting on multiple of them for three years. The Venture X's current sign-up bonus is 75,000 miles after you spend $4,000 on purchases in the first three months. App looks pretty good and straightforward and with the card benefits, this looks like a good replacement for the Reserve. I left my oldest accounts open, but got rid of cards I really didn't need or use anymore. • 6 days ago. Not sure if anyone thinks that Capital One will offer a retention bonus on the venture X outside of the 10k point annual anniversary gift. Feb 21, 2023 · Capital One VentureOne Rewards Credit Card Apply Now On Capital One's Website Welcome Bonus 40,000 miles Annual Fee $0 Credit Score Excellent, Good Regular APR 19. 10 hours ago · The recommended Twitch banner size is 1200 x 480 pixels (5:2 Aspect Ratio) for HD and Full HD monitors. (Check out this article for more on how to stack your rental car perks. The card has a $395 annual fee, but has so much to offer: The Venture X has a solid welcome bonus of 75,000 bonus miles after spending $4,000 within the first three months; I consider this to be one of the best credit card welcome bonuses out there, and value this at $1,275. Capital One Venture X Rewards Credit Card benefits Sign-up bonus Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel. Open up the card on the desktop browser, and type /productupgrade at the end of the URL and it will show you your options to downgrade. My last bill was 13,xxx and was paid in full. Via Amex website chat. I really dislike having to use $300 through the portal and yeah the transfer partners aren’t as useful for me being at a smaller airport. SKU: N/A Tag: legal. Capital One VentureOne Rewards Credit Card Apply Now On Capital One's Website Welcome Bonus 40,000 miles Annual Fee $0 Credit Score Excellent, Good Regular APR 19. Has anyone contacted CapitalOne for the retention offer?. Agent summarized my credits and points earning, asked why I felt I wasn't getting value. In short, it is a $395 af card, earning 2x points on general spend. 2 300. I'd say VX is in between the CSP and the CSR. My understanding is that this card has lifetime language and it’s a decent card, just have had a terrible options for the companion Pass given a everybody’s been sitting on multiple of them for three years. slicknick_91 • 6 hr. The rental car insurance you get when charging your car to a Venture X is some of the best. Just apply, it’s a brand new account so it’s regardless of whether you have the Venture One already. View community ranking In the Top 1% of largest communities on Reddit Capital one Venture X retention bonus Not sure if anyone thinks that Capital One will offer a retention bonus on the venture X outside of the 10k point annual anniversary gift. All of these are designed to convince you to. premium insurance and cancellation. $500,000 is the highest spend I’ve. Called in and was very quickly offered either 10K miles or a $100 statement credit towards travel in addition to the standard anniversary bonus of. Provide a bonus tied to a spending offer, similar to what you get with a welcome offer on a new credit card. ly/2wG0GloJohn's original vid. The quick answer is: Yes, you can apply for the Venture X card as an existing Venture cardholder. The lady was super nice like always, and immediately offered me 3% additional. Opened a claim against damaged cell phone. If you’re brand new here, please read the wiki before posting. Only the referrer gets the $250. 12/7/20 - $25 credit, Zero spend required, Almost Zero Spend, had card for 7 years, first retention offer 3/27/21 - no retention offer, only about $170/month on cell phone for last few months, zero spend before then, had card for several years. Provide a bonus tied to a spending offer, similar to what you get with a welcome offer on a new credit card. Almost zero spend on card and have had it ~5 years, first retention offer. Venture X comes with same or better travel protections, i. $300 airline credit + 10,000 miles pays for itself. de 2022. InitialAtmosphere412 • 1 yr. Set to renew soon for another $250 with the annual “companion pass” you basically pay for. 8 de dez. Adriel Frederick VP of Product Management for Reddit X View Bio. Feb 19, 2023 · current Capital One Venture X sign-up bonus. Applied and was instantly approved with a $10k limit. The first is to waive the card’s annual fee. Capital One is sending out 1099-MISC tax forms which count the TSA/Global Entry credit and $300 travel credit as *taxable income*. Venture X Rewards | Capital One Get rewarded for the way you travel 75,000 Miles Early Spend Bonus Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening. This is a no-brainer, and will be my new keeper card baring any retention offers from my biz plats. My Venture X fee posted a few days ago, and I was legitimately thinking about keeping the card (don't come at me, reddit). One last thing to consider is asking capital one for a retention offer after your AF posts. The card now offers: 5X points on travel booked through Chase Travel, 3X on dining and delivery services, 3X on streaming services and a 10% rebate on the points you earn. $395 annual fee is too much for me. I figured it was a new account and high transactions so I anticipated the fraud block. Yeah, so if you throw away the $300 credit every year you’re paying $300 for a low multiplier travel card (2x) and getting 10,000 points every year as a pre-negotiated retention offer. Capital One business credit cards DO get reported to the personal. 24% (Variable) Key. Savor One is 3% for all 4 categories. Model Number Z-Girt. Set to renew soon for another $250 with the annual “companion pass” you basically pay for. I couldn't find many DPs on Citi retention offers, so I wasn't sure what to expect. Jan 27, 2022 · Amex Platinum Retention Offers: Get Up to $695 (69. Sharing my extended warranty process with the Capital One Venture Visa. Do not share links in the comments. The Venture X's current sign-up bonus is 75,000 miles after you spend $4,000 on purchases in the first three months. Mar 10, 2022 · After speaking with an associate in the retention department, they gave me three different options: $95 after spending $1,000 in each of the next 3 months. Real estate joint venture term sheet 2 million passengers * Paris Aéroport traffic (Paris-Charles de Gaulle and Paris-Orly. 5% Unlimited Cash Rewards, for a total of 3. I got approved for CapitalOne Venture Card on March 10 2022. 5% cash back) led to kind of a mess with transaction dates. This might not seem like much at first, but some cards have pretty big annual fees, like the Amex Platinum Business card, at $695. de 2020. Once you go past your “lifetime” since holding the card (probably approx 7 yrs) you may be able to apply again. 7 mo. I refused. Dec 4, 2020 · I was pretty surprised to receive a 20,000-point retention bonus to keep my Amex Gold Card open with no minimum spending requirement. 0% rates, no increase FAG $2m Loan Stormwater 2020/21 2021/22 2022/23 2023/24 2024/25 2025/26 2026/27 2027/28 2028/29 2029/30 2030/31 2031/32. While Chase might offer a few perks in their system for both CSP/CSR that outclasses the Venture X, you get a better flat catch-all multiplier on the VX (2x), you get Priority Pass, you get some rental car status upgrades, you get a Precheck/Global Entry credit. So it also has phone insurance, trip delay/cancellation coverage, and the like. The new premium consumer card from Capital One, the Venture X card, is now live. I think it's a better deal than a 35k free night award that comes with the other Marriott cards. Welcome offer. Sky Glue is perfect for volume or classic lashes. I'm finally able to downgrade my Venture X! Log into your account via the website, click on the "I want to". Having no luck getting a retention offer on my Platinum (going into 2nd year). I got the Venture X instead which is better for me right now. Welcome to the Daily Question thread at r/churning! This is the thread to post questions about churning for miles/points/cash. Open up the card on the desktop browser, and type /productupgrade at the end of the URL and it will show you your options to downgrade. The Venture X's current sign-up bonus is 75,000 miles after you spend $4,000 on purchases in the first three months. ago go_ink Does venture X off retention bonus? As stated. Concealment Express Polymer 80 PF940 V2 IWB KYDEX Holster. In the Top 1% of largest communities on Reddit DP: Venture x Cell Phone protection I'm with tmobile in a family plan. Agent summarized my credits and points earning, asked why I felt I wasn't getting value. But an annual fee is just a. Feb 13, 2020 · Capital One Venture X Rewards - Earn 75,000 Venture miles once you spend $4,000 on purchases within the first 3 months from account opening, plus a $300 annual statement credit for travel booked through Capital One. Nov 2, 2022 · The Capital One Venture X Card is the first premium credit card offered by Capital One, and it really packs a punch. The Venture X is effectively no AF with all its perks, but you must use their Travel Portal to redeem your perks/points. You’ll get 10x on hotels and car rentals as well as 5x on flights booked through c1 travel portal. I was looking to see if there was a better card I could pair with the ventureX instead of the BOA and then downgrade that card to a no annual fee. de 2022. USB synergy not withstanding. Opened a claim against damaged cell phone. That might initially seem like a deterrent, but the card's perks can offset the yearly cost with minimal effort: Annual credit: Get $300 in credits annually for bookings made through Capital One Travel. CapOne Venture X Retention Offer. Although you might consider the Schwab Platinum too instead of venture x. Capital One shopping: alright. military thermoelectric fan

Feb 13, 2020 · Capital One Venture X Rewards - Earn 75,000 Venture miles once you spend $4,000 on purchases within the first 3 months from account opening, plus a $300 annual statement credit for travel booked through Capital One. . Venture x retention offer reddit

Bonus <b>offer</b>. . Venture x retention offer reddit

Venture X rejecting online purchases in a foreign currency. Venture X has an automatic retention bonus which is paid about two months after renewal: C1 Venture X 10,000 point Anniversary Bonus This may be technically true, but we don't call things like free night certificates attached to hotel cards (Amex Hilton Aspire, Bonvoy Brilliant, Hyatt Visa, etc) "retention bonuses. I have not received the new years annual credit of $300. VentureX also saved me when Amex was down for 30min last fall and my gold kept getting declined at restaurant, as well as during traveling where Amex isn’t accepted. Or log-in to your account and see if. comments sorted by Best Top New Controversial. I realize these points may offer a once-in-a-lifetime opportunity for discount business travel, but I am unfamiliar with using them for that purpose, and so I ask for your assistance in helping me figure out the best strategy to. Previously, the travel refunds for price drop and price match guarantees would be given as an automatic refund to your original payment method, usually your credit card. New applicants for the Venture X can earn a 75,000 bonus Capital One miles after spending $4,000 on the card within the first three months from account opening. Annual fee: $395. JOHN GRIBBEN/THE POINTS GUY. View community ranking In the Top 20% of largest communities on Reddit Cell Phone Insurance when paying for annual prepaid plan with Venture X I pay for an annual prepaid plan with AT&T using my venture X card. Via Amex website chat. Apple Card $3000 limit, November 2021. I know this is a long shot, but my annual fee of the Venture One X is coming and wanted to know if anyone had any luck of getting a Retention Offer. I can meet the spend with no issues. johnwayne2413 • 1 yr. this is the exact combo i’m running right now. Pre-Approval Results (as of 7/30) Inputs: travel rewards and new member offers. Business, Economics, and Finance. I pay only my portion of the bill (15%) every month. Hey guys! I know this is a long shot, but my annual fee of the Venture One X is coming and wanted to know if anyone had any luck of getting a Retention Offer. I refused. Success! My Capital One Venture X approval with a $30K credit line Success! How I got my Capital One Venture X approval (The BEST premium card) January 3, 2022 by Harlan 36 Comments I just got my first Capital One card over the weekend - and not for lack of previous trying. Approval odds . Capital One is sending out 1099-MISC tax forms which count the TSA/Global Entry credit and $300 travel credit as *taxable income*. Almost all priority pass cards have effective annual fees in the hundreds of dollars. I’ve definitely kept my CSR this long because they offered me a retention offer first year and the next 2 years I got plenty of value from the credits they offered. Venture X New SUB - 90,000. Credit card retention offers are best defined as 1-time incentives extended from card issuers to continue your card membership. Venture X New SUB - 90,000. I've really enjoyed the card and the value it brings. View community ranking In the Top 1% of largest communities on Reddit Capital one Venture X retention bonus Not sure if anyone thinks that Capital One will offer a retention bonus on the venture X outside of the 10k point annual anniversary gift. Rates and fees. Sandwicky • 1 yr. So $1,800 in total. I know the card pays itself technically with the 10k anniversary miles and 300$ travel credit, but wanted to know if. The card has an effective annual fee of -$5, which means they'll pay you $5 every year to have the card. Applied and was instantly approved with a $10k limit. The geometry of STRONGIRT offers self-draining to clear rainwater, and weep holes can be pre-fabricated or added in the field for additional drainage needs. One last thing to consider is asking capital one for a retention offer after your AF posts. The Venture X has a 20,000 available credit with a 20. The Amex Plat also has this benefit, but the plat would earn half the points and costs more. Capital One Lounge in Dallas (DFW) A Full Breakdown of the Capital One Venture X Card. de 2023. They changed it back in April or May 2021 when they also added streaming as 3%. The quick answer is: Yes, you can apply for the Venture X card as an existing Venture cardholder. it’s beautiful! Gold 90k+$250 bonus for 4x on dining and groceries and net annual fee of $10. For the Venture and Venture X, the no annual fee VentureOne is often presented as a product change option and can be a valuable option to preserve a points balance. For example, while the annual fee for the Capital One Venture X card costs $395, the AMEX Platinum card costs $695 annually. This anniversary bonus is only offered on the Venture X. People from this era were once known as the “baby bust” generation. Sebby's take: One of the strongest cards that's great for people who spend a lot on dining, U. 2 revolving accounts: Capital One Platinum ($1,500 CL) & Best Buy ($4,000 CL) Income 180k, employed, 1k/month on credit card spending, sometime carry a balance. Amex Gold Retention Offer DP. de 2023. With a manageable annual fee, large list of travel benefits and massive. 1 10,000 Miles Anniversary Bonus Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary. My Venture X fee posted a few days ago, and I was legitimately thinking about keeping the card (don't come at me, reddit). This suggests that those interested in Venture X can currently choose their SUB, definitely not a common thing. Retention offers are key to. I opened my Capital One Venture X card the beginning of June. At a glance, CSR wins hands down in this category. Minimum spending requirements start as soon as the card is approved. ago go_ink Does venture X off retention bonus? As stated. There are 4 main ways that you can try to locate a 75k or 100k Capital One Venture card welcome bonus: Wait for Capital One to run a limited-time promotional offer. I can pay my $3500 rent each month with a credit card for a 3% fee. Having no luck getting a retention offer on my Platinum (going into 2nd year). 27 de out. The first is to waive the card’s annual fee. Capital One miles are worth one cent apiece when redeemed for travel, either directly through Capital One Travel or as a statement credit toward travel purchases. View community ranking In the Top 1% of largest communities on Reddit Does Capital One Venture Rewards card have 2 free visits per year to Plaza Premium Lounge per authorized user card? I mean Venture Rewards (the one with $95 annual fee) but not Venture X. Using existing Airline credit : r/Venturex. Honestly I will close it in 2024 if there is not a retention offer. Not only can you pick up 100,000 Capital One Miles after spending $10,000 within the first six months of. The Venture X, for an annual fee of $395, provides a 10,000 anniversary miles bonus and a $300 annual. According to TPG's valuations, these miles are worth 1. Welcome offer. CapOne Venture X Retention Offer. New premium credit card from C1, the Venture X, as reported by TPG. We had a high spend last year as we were renovating so opened cards strategically for SUBs and have started to downgrade those cards to no AF. Looking to purchase a JB ticket as I have credit with them, anyway to put that in capital one travel before purchasing? If not, has anyone had luck calling airline after booking to get credit applied? 0. Credit Utilization: 10%. I canceled the Southwest Priority card two months later and still kept the $100 retention credit. Paid the $89 annual fee. Dry Time: 2-4 Seconds Retention: 5 Weeks Humidity 50-70% Temp 23-28 C Color: Black Size: 5g. Via Amex website chat. rewards: 4x dining, 4x groceries, 3x flights, 5x portal flights, 10x portal cars. Ah, I thought it was still 2! Thanks. Amex Gold Retention Offer DP Via Amex website chat. I am thinking about getting my own Venture X using her referral link. CapOne Venture X Retention Offer. Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel. • 19 days ago. I applied for a CO Venture X card and was approved immediately with a $30k CL. And rounding out the collection of cards Reddit thinks may see some negative changes next year is the Capital . Savor One is 3% for all 4 categories. 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