Hey YMB listeners. I'm Imani Mouise for The Wall Street Journal.

The show is still on a break, but today we're taking you inside the WSJ Future of Everything Festival, where I recently sat down with Leah Dean, Capital One's president of banking and premium products,

because luxury is undergoing a bit of a makeover.

We're diving into how the company plans to reach that next generation of consumers, why the

benefits in your wallet are changing, and what all of this means for your next big trip.

You'll hear our conversation after the break.

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slash visit Scotland. Thanks everyone for being here. We're just going to dive in. So we've written a lot

over the last two years about the premium

card wars. It seems like all these credit cards are getting more expensive. And Capital One is still

a challenger in this space. VentureX has been out for about five years. Five years, yes. So how are you

differentiating yourself in this very crowded and competitive market? And where are you winning?

You're right. We're a challenger. We introduced our first premium card Venturex in 2021. So we're just

coming up on that five-year anniversary. And, you know, I think our perspective, you've actually

written about it, is that premium cards have become increasingly, and we saw it a lot last year in so many changes.

The fees have gotten higher. The rewards have gotten more complicated. And we just have a

perspective that the emerging premium consumer is busy. I think you wrote about Charlene and

...