The person who works for bilt besmirched venture x yet only paying 95 dollars with 10k cap 1 points makes this card virtually free .Only the Wells Fargo card has the primary rental coverage . The worst comment made by this person is that people should carry a balance in order for the card to be successful. As cap 1 has such a bad reputation they can afford this loss leader while they improve their reputation. . Wells Fargo has Barclays castoffs which is as a credit card issuer is 5th rate .