Review of the Capital One® VentureOne® Rewards Credit Card
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Capital One® VentureOne® Rewards Credit Card
The Capital One® VentureOne® Rewards Credit Card is a general-use travel credit card designed for excellent credit.
Cardholders earn 1.25X miles for every purchase, and each mile can be worth up to 1 cent when redeemed for regular travel expenses, meaning you’ll get a cash back equivalent of 1.25% for all purchases.
Capital One recently introduced a set of airline partners to which you can transfer miles, giving this card more value and flexibility, and potentially allowing you to earn more than 1 cent per mile.
If you want to gain an elite hotel member status, you should probably look elsewhere for travel rewards. There are co-branded hotel cards that can provide an equal or better return on your spending, for example, but they’re limited to just one hotel brand.
There’s no annual fee to use this card. You won’t be charged a fee for foreign transactions. And you’ll get a 0% intro APR for 12 months for purchases, giving you a way to pay off some travel expenses over time without getting charged extra for interest before the 14.49% - 24.49% Variable APR kicks in.
Capital One provides another Venture travel card, which has an annual fee but offers a slightly better rewards program:
| Card | Annual Fee | Purchase APR | Rewards | Benefits |
|---|---|---|---|---|
| Capital One® VentureOne® Rewards Credit Card (This review) | $0 | 0% intro on purchases for 12 months, then 14.49% - 24.49% Variable |
|
Visa Platinum or Visa Signature |
| Capital One® Venture® Rewards Credit Card (Review) | $95 | 17.24% - 24.49% Variable |
|
Visa Signature |
Keep reading to learn more about the VentureOne Rewards card, and see if it would be a good choice to help lighten the load of your travel spending.
Capital One® VentureOne® Rewards Credit Card
Details
securely on the issuer's website
The information related to Capital One® VentureOne® Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Our Rating: 4 Out of 5 Stars
We give the VentureOne Rewards card 4 out of 5 Stars because it offers decent general spending rewards, has no annual fee, and (the traveler’s favorite) point transfers.
Why We Like It
- No annual fee
- 20,000 bonus miles for spending $1,000 in the first 3 months after account opening
- Point transfer to a selection of airline partners
- 0% intro purchase APR for 12 months, then 14.49% - 24.49% Variable
- Potential Visa Signature benefits, like the Luxury Hotel Collection and concierge service
- No foreign transaction fees
Why It Could Be Better
- Must redeem for travel expenses to get the best value for your miles
Take a look at some other travel credit cards below, which offer rewards for different types of purchases.
Insider Advice: Getting the Most Out of Your Card
- Reach the bonus: Spend enough in the first few months after opening the account to earn a wealth of bonus miles.
- Find more value: Consider transferring your miles to an airline loyalty program where you may find a better value than 1 cent per mile for them.
- Utilize the introductory period: Take advantage of the 0% intro purchase APR for 12 months to pay off some pricy hotel stays over time, or any other expenses, without accruing extra interest, before the regular 14.49% - 24.49% Variable APR starts.
- Take advantage of the Visa Signature perks: If you have a Visa Signature version of the card, use the Luxury Hotel Collection to find eligible hotels where you’ll have access to extra perks and complimentary services.
- No foreign transaction fees: Use this card outside the country because it has no foreign transaction fees, and it will be accepted just about anywhere that takes credit cards because it’s a Visa.
The Rewards
The VentureOne Rewards can provide the equivalent of 1.25% cash back for every purchase. This assumes you’re redeeming for travel expenses at 1 cent per mile, but you could find better deals through mile transfers.
Earning
| Spending Rewards |
|---|
|
| Introductory Bonus Offer |
|---|
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Miles will never expire, as long as your account remains open and in good standing. You can earn an unlimited number of miles.
These miles can be redeemed for 1 cent each for past travel expenses. So you’ll get a cash back equivalent of 1.25% back for all purchases. The introductory bonus of 20,000 miles is worth $200 at that rate.
You can also transfer your miles to a variety of airline loyalty programs, where you might find a better value than 1 cent per mile.
The 1.25X miles you’ll earn for purchases isn’t very rewarding, and there are other travel credit cards that will probably be better for your spending habits.
Insider tip
There’s a different version of this card called the Venture Rewards. It offers 2X miles per dollar for every purchase. This reward program might work better for you, if you don’t mind paying an annual fee after the first year.
Redeeming
You’ll have three basic options when redeeming your miles.
- Travel expenses: Provide 1 cent per mile
- Past travel expenses from the last 90 days can be paid for with miles using the Purchase Eraser system
- New travel reservations can be booked with miles through Capital One’s website or by calling customer support
- Cash back statement credits, gift cards, merchandise: Provide less than 1 cent per mile
- Mile transfers: Provide various mile values, depending on the deal.
We recommend always redeeming for mile transfers or travel expenses because you’ll get at least 1 cent per mile. We’ll explain how to redeem for travel expenses first, and then we’ll go over mile transfers.
You can redeem for either past or upcoming travel expenses. Miles don’t expire, so you can hold on to them until you can redeem in this way.
The Purchase Eraser system will let you find eligible travel expenses from the past 90 days, and you can use miles to pay them off. Partial redemptions are available to pay for part of a purchase.
The types of eligible travel expenses are:
| airfare | hotels | buses | taxis | car rentals |
| rail lines | limo services | cruise lines | travel agents | time shares |
Miles can also be used to pay for travel reservations as you make them. You’ll need to book travel either through Capital One’s website or by calling customer support to redeem miles in this way.
Mile Transfers
You can transfer your Capital One miles to several different airline loyalty programs, where you might find a better value than 1 cent per mile.
Most of the transfer rates are 2:1.5 (2 Capital One miles for 1.5 partner airline miles), although some transfer partners have a lesser rate.
| Airline Partner | Transfer Rate |
|---|---|
| Aeromexico Club Premier | 2:1.5 |
| Air Canada Aeroplan |
2:1.5 |
| Air France KLM Flying Blue |
2:1.5 |
| Alitalia MilleMiglia |
2:1.5 |
| Avianca LifeMiles |
2:1.5 |
| Cathay Pacific Asia Miles |
2:1.5 |
| Emirates Skywards |
2:1 |
| Etihad Guest |
2:1.5 |
| EVA Infinity MileageLands |
2:1.5 |
| Finnair Plus |
2:1.5 |
| Hainan Fortune Wings Club |
2:1.5 |
| JetBlue TrueBlue |
2:1 |
| Qantas Frequent Flyer |
2:1.5 |
| Singapore KrisFlyer |
2:1 |
The Benefits
The VentureOne Rewards card comes with benefits from two different sources:
- Card and account features from Capital One
- Protections and benefits at either the Visa Platinum or Visa Signature level
You’ll be given either a Visa Platinum or Visa Signature version of this card. The version you get will depend on your credit limit when approved: Visa Platinum cards are for credit limits less than $5,000, and Visa Signature is for $5,000 and above. The credit limit you get will depend on your creditworthiness when you apply.
Visa Platinum cards are pretty basic, with just a few shopping and travel protections. Visa Signature cards have more valuable benefits, including opportunities for discounts and special services.
Below, you’ll find the Visa Platinum benefits your card will come with, and the potential Visa Signature benefits you’ll get if your credit limit is high enough.
Visa Platinum Benefits
If you’re approved for a card with a credit limit less than $5,000 you’ll get a Visa Platinum version of the VentureOne Rewards. It will only come with the following protections:
- Extended warranty: Eligible items purchased with your card can have their manufacturer’s warranty doubled up to an additional year, for warranties of three years or less.
- Auto rental collision damage waiver: Decline the rental company’s own insurance to get coverage against collision damage and theft, for eligible rented vehicles.
- Travel and emergency assistance services: Access to a variety of services like medical and legal referrals, emergency transportation or ticket replacement, and pre-trip assistance.
- Travel accident insurance: Provides coverage for accidental loss of life, limb, sight, speech, or hearing while traveling by common carrier.
Most credit cards come with a basic set of protections like these, provided by the card’s network: Visa, Mastercard, Discover, or American Express.
Visa Signature Benefits
- Luxury Hotel Collection: Provides special perks at select hotels around the world.
- Shopping discounts: Get discounts at certain retailers. There are usually a few dozen offers available here, for both online and physical stores.
- Fine wine and food: Focused on food, with a bit of wine thrown in too. You’ll get certain perks at wineries and discounts from common merchants.
- Sports and Entertainment Offers: Get exclusive discounts and offers at sports events and a variety of other experiences.
- Travel protections: You’ll get access to roadside dispatch, and your luggage will be reimbursed should it ever be misplaced while traveling.
- Purchase security: If an eligible item you buy is lost or damaged, you can be reimbursed up to $500 per claim.
- Lost/stolen card reporting: Call customer support to report your card as lost or stolen at any time.
- Emergency card replacement and cash disbursement: After reporting your card as lost you can quickly and easily get a replacement, or an emergency cash advance.
- Year-end summary statement: A detailed summary of your yearly spending is available upon request.
Capital One Benefits
- CreditWise Credit Monitoring: See your VantageScore 3.0 based on your TransUnion credit report, and check data from your TransUnion report.
- Personalized Payment Date: Choose your own due date to make paying bills more convenient.
- Security and Account Alerts: You can be notified about changes to your account or unauthorized activity.
- Capital One Second Look fraud coverage: Automatically monitors your account 24/7 for fraudulent activity.
- Zero Liability Protection: You won’t be held responsible for fraudulent charges made to your account.
The Terms & Fees
| Purchase APR | Balance Transfer APR | Cash Advance APR |
|---|---|---|
| 0% intro on purchases for 12 months, then 14.49% - 24.49% Variable | 14.49% - 24.49% Variable | 24.49% Variable |
| Annual Fee | Foreign Transaction Fee |
|---|---|
| $0 | None |
| Balance Transfer Fee | Cash Advance Fee |
|---|---|
| $0 | 3% of the amount of the cash advance, but not less than $10 |
| Penalty APR | Late Fee | Returned Payment Fee |
|---|---|---|
| None | Up to $39 | None |
The VentureOne Rewards card doesn’t come with many fees — there’s no annual fee, no foreign transaction fee, and no balance transfer fee. So it can be completely free to use as long as you avoid interest charges on purchases by paying your balance in full each billing period, and don’t use the card for balance transfers or cash advances.
You’ll get a 0% introductory rate for purchases for 12 months, giving you some time to pay off large expenses like hotel stays. During this intro period you don’t need to pay your full balance to avoid interest, but you will need to pay at least the minimum payment. If you don’t, you can lose your intro rate.
Insider tip
Check the VentureOne Reward card’s terms and conditions yourself to see the full description by Capital One.
What is the Credit Limit of the VentureOne Rewards Card?
The VentureOne Rewards card is issued as either a Visa Platinum or Visa Signature card.
Your card will come with a credit limit of at least $2,000. If your credit limit is less than $5,000 you’ll be given a Visa Platinum card. If the limit is $5,000 or above, you’ll get a Visa Signature with upgraded benefits, as described above.
Cardholders can request a credit line increase from Capital One at any time, though we recommend waiting about 6 or 12 months between requests. Capital One may also increase your credit line automatically if you show responsible credit behavior.
You likely can’t upgrade from Platinum to Signature once your card has been issued, even if your credit limit is increased above $5,000.
The Bottom Line
The Capital One VentureOne Rewards Card is a decent pick for for general use spending if you don’t want to pay an annual fee.
This card has become more valuable since Capital One added the ability to transfer to airline loyalty programs, giving you more flexibility in redemptions with options that could provide more than 1 cent per mile.
Your card benefits will come at the upgraded Visa Signature level if your credit limit is $5,000 or above, otherwise you’ll just get more basic protections. These can potentially save you some time and money while shopping and traveling.
There’s no annual fee to pay, and you’ll get a 0% introductory interest rate for purchases for one year, with a 14.49% - 24.49% Variable APR after that. That will let you pay off a vacation or some hotel trips over time, lessening the blow to your bank account.
Check out some other travel credit cards below, which offer points or miles for different kinds of travel expenses.
How to Apply for the VentureOne Rewards Card
You can apply for the Capital One VentureOne Rewards Card securely on the Capital One website.
Most applicants will get an instant decision, but not all. In some cases Capital One may request more information.
This card is designed for excellent credit, meaning a FICO Score 8 of about 700 or above. But this isn’t a direct requirement, and you may be approved if your credit scores are close, depending on your other financial information.
Qualifications and Requirements
- Limited applications: Must not have applied for a Capital One credit card two or more times in the last 30 days
- Limited credit cards: Must not have five or more open credit card accounts with Capital One
- Accounts in good standing: Must not be past due or over the credit line with any Capital One credit accounts
- Must be 18 to apply
- Personal information: Personal identifying information, including SSN, address, and phone number.
- Financial information: Total annual income, source of income, monthly mortgage/rent payment, potentially more.
Capital One® VentureOne® Rewards Credit Card
Details
securely on the issuer's website
The information related to Capital One® VentureOne® Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Alternatives to the Capital One VentureOne Rewards Card
If this card doesn’t seem like the one for you, stick around and take a look at some more options we’ve put together.
Capital One® Venture® Rewards Credit Card
Details
securely on the issuer's website
The Capital One® Venture® Rewards Credit Card (Review) is a more expensive version of the VentureOne, with slightly different terms. It also comes as a metal credit card, while the VentureOne does not.
There’s an annual fee of $95, which makes sense for the upgraded version of the VentureOne.
You get 2X miles per dollar instead of 1.25X. Miles will still be worth 1 cent each for basic travel redemptions, so you’re getting at least 2% back for all purchases. Like the VentureOne, you can transfer your miles to airline partners where you might find a better value than 1 cent per mile. The introductory bonus larger, but it will take more spending to get.
Here’s what you would have to spend to earn more with the Venture than the VentureOne, after taking the annual fee into account:
| Amount Spent Annually | Venture – Cash Back Equivalent (2X miles per dollar) | VentureOne – Cash Back Equivalent (1.25X miles per dollar) |
|---|---|---|
| $5,000 | $5 | $62.5 |
| $10,000 | $105 | $125 |
| $12,667 | $158.34 | $158.34 |
| $15,000 | $205 | $187.50 |
| $20,000 | $305 | $250 |
So which card should you use? The VentureOne, with no annual fee, may work better for you; but if you’ll travel and use the card enough, the Venture will deliver more miles and more perks.
| Spending Rewards |
|---|
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| Introductory Bonus Offer |
|---|
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The Venture Rewards Card comes at the Visa Signature level, with all the same benefits described above. The VentureOne may come as a Visa Platinum, with lesser benefits.
- Luxury Hotel Collection: The Luxury Hotel Collection by Visa Signature provides special perks at select hotels around the world.
- TSA PreCheck/Global Entry statement credit: You’ll get a credit toward the application fee for either TSA PreCheck ($85) or Global Entry ($100).
- Shopping discounts: Use your Visa Signature card to get discounts at certain retailers.
- Fine Wine and Food: Focused on food, with a bit of wine thrown in too. You’ll get certain perks at wineries and discounts from common merchants.
- Sports and entertainment offers: Get exclusive discounts and offers at sports events and a variety of other experiences.
- CreditWise credit monitoring: Keep tabs on your VantageScore 3.0 based on your TransUnion credit report, and see data from your TransUnion report.
- Purchase and Balance Transfer APR: 17.24% - 24.49% Variable
- No foreign transaction fee
- Annual fee: $95
The information related to Capital One® Venture® Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Chase Sapphire Preferred® Card
Details
securely on the issuer's website
The Chase Sapphire Preferred® Card (Review) is a general-use travel card with some limitations on where you can earn points at the best rates. It’s made of metal, like the Venture card.
For $95 per year, you’ll get an excellent 5X Ultimate Rewards points per dollar on Lyft rides, and 2X points on travel and dining. Chase will add a 25% bonus when you redeem for travel through the Ultimate Rewards travel portal, making your points worth 1.25 cents each.
But Chase’s point transfer system is loved by many for the 1:1 transfer rates to many airlines and hotels. You could find as much as 2 cents per point or more through transfers, making this card quite a bit more rewarding.
| Spending Rewards |
|---|
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| Introductory Bonus Offer |
|---|
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- Free DoorDash membership: A one-year DoorDash membership, which provides free delivery and reduced service fees on orders of $12 or more.
- Chase Luxury Hotel & Resort Collection: When staying at participating properties you’ll get a daily breakfast for two, room upgrades if available, unique gifts that vary by location, and more.
- Shop through Chase/Chase Offers: Earn extra cash back or discounts at a variety of retailers.
- Chase Preferred Experiences: Get invitations or preferred access to exclusive events, like VIP trips to sports games, golf championships, and music festivals.
- Direct access to customer support: Call to be immediately connected with a customer support specialist, without having to work your way through a phone menu.
- Shopping and travel protections: Purchase protection, extended warranty, trip cancellation/interruption insurance, primary auto rental collision damage waiver, and more
- Purchase and Balance Transfer APR: 15.99% - 22.99% Variable
- No foreign transaction fee
- Annual fee: $95
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
- 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
- Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
The Discover it® Miles (Review) is a travel card that looks a bit like the VentureOne, but there are quite a few differences in the rewards, benefits, and terms.
You can redeem your miles for travel expenses, like the VentureOne. But you can also use them for regular cash back statement credits, which will simply reduce the balance of your account, and still get the full 1 cent per mile.
This is unlike most other travel cards, which make you redeem for travel expenses to get the best value. So the Discover card is more flexible than the VentureOne when it comes to redeeming miles.
Discover cards don’t currently come with very many extra benefits or protections. You’ll get more with the VentureOne Rewards, whether you get a Visa Signature or even a Visa Platinum card.
If you’re looking for a very simple card with easy redemption options and a potentially more rewarding first year, this could be the one.
| Spending Rewards |
|---|
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| Introductory Bonus Offer |
|---|
|
- FICO Credit Scorecard: Access your FICO Score 8 whenever you’d like for free, based on your TransUnion credit report.
- Cash at Checkout: At eligible retailers you can get cash at checkout, a handy way to get some money without going to an ATM. The extra cash will be counted as part of your purchase.
- Refer a Friend bonus: Earn a $100 statement credit bonus for every friend you refer who’s approved, up to 10 friends per year. If your friend makes a purchase within three months of opening the account, he or she will earn a $100 bonus too.
- Social Security number alerts: Get notified if Discover finds your SSN on any one of thousands of risky dark web sites.
- New account alerts: Get notified if any new inquiries or accounts show up on your Experian credit report.
- Purchase APR: See Terms for See Terms, then See Terms
- Balance Transfer APR: See Terms for See Terms, then See Terms
- No foreign transaction fee
- Annual fee: $0
The information related to Discover it® Miles has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
JetBlue Plus Card
Details
securely on the issuer's website
The JetBlue Plus Card is offered through Barclays for anyone who flies JetBlue Airways more often than not.
It’s a more rewarding, but more restricting option than the VentureOne card.
Whereas with the VentureOne you’ll earn 1.25X miles per dollar on every purchase, here you’ll get 2X points at grocery stores and restaurants, and 9X points on JetBlue tickets (6X from the card, 3X or more from your flight). That 10% redemption bonus provides a bit extra to sweeten the deal.
There’s an annual fee of $99, so if you won’t use it enough you may want to go for the no annual fee version, the JetBlue Card.
Find more great airline cards over at The Best Airline Credit Cards.
| Spending Rewards |
|---|
|
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| Introductory Bonus Offer |
|---|
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- Redemption bonus: 10% of your points back every time you redeem
- Anniversary bonus: 5,000 bonus points every year, after your cardmember anniversary
- First checked bag free: You and up to three traveling companions on the same JetBlue reservation will each get your first checked bag free.
- Fast track to Mosaic member status: Reach Mosaic status, which comes with more points per dollar and other benefits, by spending $50,000 with the card in a given year.
- 50% discount on in-flight purchases: Eligible in-flight purchases are discounted 50%, including food and beverages but not WiFi access.
- Vacation bonus: $100 statement credit for each year that you purchase a JetBlue Getaways vacation package
- Purchase APR: 18.24%, 22.24%, or 27.24% Variable
- Balance Transfer APR: 0% for 12 months (for balance transfers made within 45 days of account opening), then 18.24%, 22.24%, or 27.24% Variable
- No foreign transaction fee
- Annual fee: $99
- Earn 40,000 bonus points after you spend $1,000 on purchases within the first 90 days.
- Earn 6X points per $1 on JetBlue purchases, 2X points per $1 at restaurants and grocery stores, and 1X point per $1 on all other purchases.
- Earn 5,000 bonus points every year automatically after your account anniversary.
- Get 10% of your points back every time you redeem.
- No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights.
- Free first checked bag for you and up to three traveling companions.
- 50% savings on eligible inflight purchases like cocktails and food.
- Enjoy TrueBlue Mosaic benefits after you spend $50,000 or more on purchases each calendar year with your card.
- Enjoy a $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card.
- No foreign transaction fees.
- $99 annual fee.
Marriott Bonvoy Boundless™ Credit Card
Details
The Marriott Bonvoy Boundless™ Credit Card (Review) is a highly rewarding cobranded hotel card that comes with an annual fee and nice perks.
You’ll be charged $95 annually, but for that you’ll get access to some very useful perks and considerable rewards.
The best benefits are only applicable at Marriott Bonvoy properties, and the rewards all but restrict you to earning there too. But if you’re a fan of Marriott Bonvoy hotels, you can get a lot out of the annual free night stay, Silver Elite status, and other features.
| Spending Rewards |
|---|
|
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| Introductory Bonus Offer |
|---|
|
- Annual free night stay: You’ll get one Free Night Award every year, beginning after your first account anniversary.
- Silver Elite status: As a cardholder you’ll get complimentary Silver Elite status with Marriott. Normally you’d need to spend 10 qualifying nights at Marriott properties for this status level.
- Easy path to Gold Elite status: Cardholders get a fast track to Marriott Gold Elite status by spending $35,000 in an account year. Usually it would take 25 qualifying night stays to reach this level.
- 15 annual Elite Night Credits: You’ll receive 15 Elite Night Credits every year, on or before March 1. Elite Night Credits count towards your Elite status with Marriott.
- Visa Signature concierge: Call 1-800-953-7392 at any time to reach your personal assistant, who can help with non-emergency tasks.
- Premier Experience Events: Cardholders will occasionally get invitations to exclusive events through the Premier Experience Events program. There are a variety of events, like high-class dining and cooking lessons, rounds of golf, and meetings with exciting people.
- Shopping protections: Extended warranty (which can extend a manufacturer’s warranty) for eligible products and purchase protection (covers eligible purchases against damage and theft), and zero liability.
- Travel protections: Get access to travel and emergency assistant services, trip delay reimbursement, lost luggage reimbursement, and rental car insurance.
- No foreign transaction fee
- Purchase and Balance Transfer APR: 15.99% - 22.99% Variable
- Annual fee: $95
Capital One® VentureOne® Rewards Credit Card
Details
securely on the issuer's website
The information related to Capital One® VentureOne® Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Do you use the Capital One VentureOne Rewards card to earn miles? Leave your own review below and let us know how you like it!
This card only earns 1.25X miles on every purchase you make, but you can find more value by exchanging those miles with Capital One’s airline partners.
Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.
The information related to Capital One® VentureOne® Rewards Credit Card, Capital One® Venture® Rewards Credit Card, and Discover it® Miles have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.
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