Is Capital One Savor One Travel Card Your Best Travel Companion?

Capital One Savor One Travel card is a great tool for travel enthusiasts planning a trip to Vietnam, offering various benefits. SIXT.VN can help you maximize these benefits by providing seamless travel experiences in Vietnam. From airport transfers to hotel bookings, discover how SIXT.VN enhances your journey.

1. What Exactly Is the Capital One Savor One Travel Card?

The Capital One Savor One Travel card is a rewards credit card designed to offer value on travel and everyday spending. It provides cash back on various categories, making it an appealing choice for travelers. According to Forbes, travel credit cards can significantly reduce travel costs through rewards and benefits.

• Rewards Structure: Earns cash back on dining, entertainment, and travel.
• Travel Benefits: Offers travel accident insurance and no foreign transaction fees.
• Everyday Spending: Provides cash back on groceries and other common purchases.

1.1 How Does the Capital One Savor One Travel Card Work?

The Capital One Savor One Travel card operates similarly to other rewards credit cards. You earn cash back on purchases, which can be redeemed for statement credits, gift cards, or cash. The key is to understand the rewards structure to maximize your earnings.

• Earning Rewards: Cash back is earned as a percentage of your purchases.
• Redeeming Rewards: Options include statement credits, gift cards, or cash.
• Tracking Rewards: Easily monitor your rewards through Capital One’s online platform.

1.2 Who Is the Capital One Savor One Travel Card Best For?

This card is ideal for individuals who frequently dine out, enjoy entertainment, and travel. It’s also suitable for those who want a simple rewards structure without complex category bonuses. According to a study by the U.S. Travel Association, travelers are increasingly looking for value and rewards in their travel spending.

• Frequent Diners: Earns high cash back rates on dining purchases.
• Entertainment Enthusiasts: Offers bonus rewards on entertainment spending.
• Travelers: Provides travel-related benefits and no foreign transaction fees.

2. What are the Key Benefits of Using Capital One Savor One Travel?

The Capital One Savor One Travel card boasts several benefits that make it attractive for travelers. These include cash back rewards, travel perks, and additional cardholder benefits. SIXT.VN can help you leverage these benefits for a memorable trip to Vietnam.

• Cash Back Rewards: Earn rewards on various spending categories.
• Travel Perks: Includes travel accident insurance and no foreign transaction fees.
• Cardholder Benefits: Offers purchase protection and extended warranty coverage.

2.1 How Can You Maximize Cash Back Rewards with Capital One Savor One Travel?

To maximize cash back rewards, focus on using the card for purchases in bonus categories like dining, entertainment, and travel. Also, take advantage of limited-time offers and promotions.

• Dining: Use the card for all restaurant and food purchases.
• Entertainment: Charge tickets, streaming services, and other entertainment expenses to the card.
• Travel: Book flights, hotels, and other travel expenses with the card.

2.2 What Travel Perks Does Capital One Savor One Travel Offer?

The card provides travel accident insurance, which can be invaluable in case of unexpected events. Additionally, the absence of foreign transaction fees makes it perfect for international travel.

• Travel Accident Insurance: Provides coverage for accidents during travel.
• No Foreign Transaction Fees: Save money on international purchases.
• Travel Assistance Services: Access assistance for travel-related emergencies.

2.3 What are the Additional Cardholder Benefits of Capital One Savor One Travel?

Beyond travel perks, the card offers purchase protection and extended warranty coverage on eligible purchases. These benefits add extra value and security to your spending.

• Purchase Protection: Covers eligible purchases against damage or theft.
• Extended Warranty: Extends the manufacturer’s warranty on eligible items.
• Zero Fraud Liability: Protects you from unauthorized charges.

3. Planning Your Vietnam Trip with Capital One Savor One Travel

Planning a trip to Vietnam requires careful consideration of various factors. From booking flights and accommodations to arranging transportation and activities, SIXT.VN can assist you every step of the way. Using your Capital One Savor One Travel card can enhance your travel experience through rewards and benefits.

• Booking Flights: Maximize rewards by booking flights with the card.
• Accommodations: Earn cash back on hotel stays and other lodging expenses.
• Transportation: Use the card for transportation services like airport transfers and car rentals.

3.1 How Can Capital One Savor One Travel Help with Booking Flights to Vietnam?

Booking flights with your Capital One Savor One Travel card allows you to earn cash back on your purchase. Additionally, you can take advantage of any travel protections the card offers.

• Earn Rewards: Earn cash back on flight purchases.
• Travel Protection: Benefit from travel accident insurance.
• Capital One Travel Portal: Utilize Capital One’s travel portal for potential discounts.

3.2 What Are the Best Accommodations in Vietnam to Book with Capital One Savor One Travel?

Vietnam offers a range of accommodations from budget-friendly hostels to luxury hotels. Booking these with your Capital One Savor One Travel card helps you earn rewards and potentially access exclusive deals.

• Luxury Hotels: Enjoy high-end amenities and earn cash back.
• Boutique Hotels: Experience unique stays and maximize rewards.
• Budget Hostels: Save money and still earn cash back.

3.3 How Can SIXT.VN Enhance Your Transportation Experience in Vietnam?

SIXT.VN provides a variety of transportation services, including airport transfers, car rentals, and private transportation. Using SIXT.VN in conjunction with your Capital One Savor One Travel card ensures a seamless and rewarding travel experience.

• Airport Transfers: Arrange reliable airport transfers with SIXT.VN.
• Car Rentals: Explore Vietnam at your own pace with SIXT.VN car rentals.
• Private Transportation: Enjoy comfortable and convenient private transportation services.

4. Exploring Hanoi with Capital One Savor One Travel

Hanoi, the capital of Vietnam, is a vibrant city with a rich history and culture. Using your Capital One Savor One Travel card while exploring Hanoi can enhance your experience through rewards and convenience. SIXT.VN offers various services to help you navigate the city.

• Dining: Savor Hanoi’s culinary scene and earn cash back.
• Attractions: Visit historical sites and cultural landmarks while maximizing rewards.
• Shopping: Explore local markets and shops with your card.

4.1 Where Can You Find the Best Dining Experiences in Hanoi with Capital One Savor One Travel?

Hanoi is a food lover’s paradise, offering everything from street food to fine dining. Using your Capital One Savor One Travel card at restaurants allows you to earn cash back and enjoy the city’s culinary delights.

• Street Food Stalls: Sample local delicacies and earn rewards.
• Traditional Restaurants: Experience authentic Vietnamese cuisine.
• Fine Dining: Indulge in high-end dining experiences and maximize cash back.

4.2 What Are the Must-See Attractions in Hanoi That You Can Enjoy with Capital One Savor One Travel?

Hanoi boasts numerous attractions, including historical sites, museums, and cultural landmarks. Using your Capital One Savor One Travel card for entrance fees and tours can enhance your exploration.

• Hoan Kiem Lake: Visit the iconic lake and Ngoc Son Temple.
• Old Quarter: Explore the bustling streets and shops.
• Ho Chi Minh Mausoleum: Pay respects at the historical site.

4.3 How Can SIXT.VN Assist You in Exploring Hanoi?

SIXT.VN offers various services to help you explore Hanoi, including transportation, tour packages, and local guides. These services can be easily booked and paid for using your Capital One Savor One Travel card.

• Transportation Services: Enjoy convenient transportation to Hanoi’s attractions.
• Tour Packages: Explore Hanoi with guided tours and maximize your experience.
• Local Guides: Discover hidden gems with knowledgeable local guides.

5. Discovering Vietnam’s Culture and Cuisine with Capital One Savor One Travel

Vietnam’s culture and cuisine are integral parts of its appeal. From ancient temples to bustling markets, there’s much to explore. Using your Capital One Savor One Travel card, you can earn rewards while immersing yourself in the local culture and savoring the diverse cuisine.

• Cultural Experiences: Explore temples, festivals, and traditional performances.
• Culinary Adventures: Savor Vietnamese dishes and street food.
• Shopping for Souvenirs: Buy local crafts and souvenirs while earning rewards.

5.1 What Cultural Experiences in Vietnam Can You Enjoy with Capital One Savor One Travel?

Vietnam offers a rich tapestry of cultural experiences. Visiting ancient temples, attending traditional festivals, and watching cultural performances are all great ways to immerse yourself in the local culture.

• Temples: Visit iconic temples like the Temple of Literature in Hanoi.
• Festivals: Experience vibrant festivals like Tet (Lunar New Year).
• Traditional Performances: Enjoy water puppet shows and traditional music performances.

5.2 How Can You Savor Vietnamese Cuisine with Capital One Savor One Travel?

Vietnamese cuisine is renowned for its fresh ingredients and flavorful dishes. Using your Capital One Savor One Travel card, you can enjoy everything from street food to fine dining while earning rewards.

• Pho: Enjoy Vietnam’s signature noodle soup.
• Banh Mi: Savor delicious Vietnamese sandwiches.
• Fresh Spring Rolls: Sample light and refreshing spring rolls.

5.3 Where Can You Shop for Authentic Vietnamese Souvenirs with Capital One Savor One Travel?

Shopping for souvenirs is a great way to remember your trip. Vietnam offers a variety of local crafts, textiles, and artwork. Using your Capital One Savor One Travel card, you can earn rewards while buying unique souvenirs.

• Local Markets: Explore bustling markets like Dong Xuan Market in Hanoi.
• Craft Shops: Find handmade crafts and artwork.
• Textile Shops: Purchase traditional Vietnamese textiles and clothing.

6. Managing Your Capital One Savor One Travel Card While Traveling in Vietnam

Managing your credit card while traveling is essential for a smooth and worry-free trip. Understanding how to monitor your transactions, handle foreign transactions, and access customer support can ensure you stay in control of your finances.

• Monitoring Transactions: Keep track of your spending through the Capital One app.
• Handling Foreign Transactions: Take advantage of no foreign transaction fees.
• Accessing Customer Support: Know how to contact Capital One for assistance.

6.1 How Can You Monitor Your Capital One Savor One Travel Card Transactions in Vietnam?

The Capital One mobile app and online platform make it easy to monitor your transactions in real-time. This allows you to keep track of your spending and quickly identify any unauthorized charges.

• Capital One Mobile App: Download the app for convenient transaction monitoring.
• Online Platform: Access your account through Capital One’s website.
• Real-Time Alerts: Set up alerts for unusual activity on your card.

6.2 What Should You Know About Foreign Transactions with Capital One Savor One Travel?

One of the significant advantages of the Capital One Savor One Travel card is that it doesn’t charge foreign transaction fees. This can save you money on international purchases.

• No Foreign Transaction Fees: Enjoy fee-free international purchases.
• Exchange Rates: Be aware of currency exchange rates.
• Card Acceptance: Ensure your card is widely accepted in Vietnam.

6.3 How Can You Access Capital One Customer Support from Vietnam?

In case of any issues with your card while traveling, it’s important to know how to contact Capital One customer support. They offer various channels for assistance.

• Phone Support: Call Capital One’s customer support hotline.
• Online Chat: Use the online chat feature for quick assistance.
• Email Support: Send an email for less urgent inquiries.

7. Leveraging SIXT.VN for a Hassle-Free Vietnam Trip

SIXT.VN offers a range of services designed to make your trip to Vietnam as smooth and enjoyable as possible. From airport transfers to customized tours, SIXT.VN can handle all your travel needs.

• Airport Transfers: Ensure reliable and comfortable airport transportation.
• Car Rentals: Explore Vietnam at your own pace with SIXT.VN car rentals.
• Customized Tours: Design your own tour itinerary with SIXT.VN.

7.1 How Can SIXT.VN Ensure a Smooth Airport Transfer in Vietnam?

Arriving in a new country can be stressful, but SIXT.VN’s airport transfer services ensure a hassle-free start to your trip. They provide reliable and comfortable transportation from the airport to your hotel.

• Professional Drivers: Enjoy transportation with experienced and courteous drivers.
• Wide Range of Vehicles: Choose from a variety of vehicles to suit your needs.
• Easy Booking: Book your airport transfer online in advance.

7.2 What Are the Benefits of Renting a Car with SIXT.VN in Vietnam?

Renting a car with SIXT.VN gives you the freedom to explore Vietnam at your own pace. You can visit remote areas, discover hidden gems, and travel on your own schedule.

• Flexibility: Explore Vietnam on your own terms.
• Wide Selection of Cars: Choose from a variety of vehicles to match your needs.
• Competitive Pricing: Enjoy competitive rental rates.

7.3 How Can You Customize Your Vietnam Tour with SIXT.VN?

SIXT.VN allows you to customize your tour itinerary to match your interests and preferences. Whether you want to focus on cultural sites, culinary experiences, or outdoor adventures, they can create a personalized tour for you.

• Personalized Itineraries: Design a tour that matches your interests.
• Expert Guides: Benefit from knowledgeable local guides.
• Flexible Options: Choose from a range of tour options and activities.

8. Tips for Safe and Enjoyable Travel in Vietnam with Capital One Savor One Travel

Traveling in Vietnam can be an exciting adventure, but it’s important to prioritize safety and be aware of local customs. Here are some tips to ensure a safe and enjoyable trip.

• Safety Tips: Stay aware of your surroundings and take necessary precautions.
• Cultural Etiquette: Respect local customs and traditions.
• Health Precautions: Take necessary health precautions before and during your trip.

8.1 What Safety Tips Should You Keep in Mind While Traveling in Vietnam?

Staying safe while traveling in Vietnam involves being aware of your surroundings, taking precautions against theft, and following local advice.

• Be Aware of Your Surroundings: Pay attention to your surroundings and avoid walking alone in dark or unfamiliar areas.
• Protect Your Belongings: Keep your valuables secure and be cautious of pickpockets.
• Follow Local Advice: Heed the advice of locals and authorities regarding safety.

8.2 What Cultural Etiquette Should You Observe in Vietnam?

Respecting local customs and traditions is essential for a positive travel experience. Here are some cultural etiquette tips to keep in mind.

• Dress Modestly: Dress modestly when visiting temples and religious sites.
• Remove Shoes: Remove your shoes before entering someone’s home or a temple.
• Respect Elders: Show respect to elders and superiors.

8.3 What Health Precautions Should You Take Before and During Your Trip to Vietnam?

Taking necessary health precautions is crucial for a healthy and enjoyable trip. Consult your doctor before traveling and follow their recommendations.

• Vaccinations: Get recommended vaccinations before your trip.
• Travel Insurance: Purchase travel insurance to cover medical expenses.
• Hygiene: Practice good hygiene and drink bottled water.

9. Capital One Savor One Travel vs Other Travel Credit Cards: A Comparison

Choosing the right travel credit card involves comparing the benefits and rewards of different cards. Here’s a comparison of the Capital One Savor One Travel card with other popular travel credit cards.

• Rewards Structure: Compare cash back rates and bonus categories.
• Travel Benefits: Evaluate travel protections and perks.
• Fees and APR: Consider annual fees and interest rates.

9.1 How Does Capital One Savor One Travel’s Rewards Structure Compare to Other Cards?

The rewards structure of the Capital One Savor One Travel card is competitive, but it’s important to compare it to other cards to see which one best fits your spending habits.

9.2 What Travel Benefits Does Capital One Savor One Travel Offer Compared to Other Cards?

Travel benefits can significantly enhance your travel experience. Comparing these benefits across different cards can help you make an informed decision.

9.3 What Are the Fees and APRs of Capital One Savor One Travel Compared to Other Cards?

Fees and APRs are important factors to consider when choosing a credit card. Lower fees and APRs can save you money over time.

10. Frequently Asked Questions About Using Capital One Savor One Travel for Vietnam Travel

Here are some frequently asked questions about using the Capital One Savor One Travel card for your trip to Vietnam.

• Is the Capital One Savor One Travel card accepted in Vietnam?
• Can I use the Capital One Travel portal to book flights and hotels in Vietnam?
• What should I do if my Capital One Savor One Travel card is lost or stolen in Vietnam?

10.1 Is the Capital One Savor One Travel Card Accepted in Vietnam?

Yes, the Capital One Savor One Travel card is generally accepted in Vietnam, particularly at larger establishments like hotels, restaurants, and major retailers. However, it’s always a good idea to carry some cash for smaller vendors and markets.

10.2 Can I Use the Capital One Travel Portal to Book Flights and Hotels in Vietnam?

Yes, you can use the Capital One Travel portal to book flights and hotels in Vietnam. This can be a convenient way to earn rewards and potentially find discounts.

10.3 What Should I Do If My Capital One Savor One Travel Card Is Lost or Stolen in Vietnam?

If your Capital One Savor One Travel card is lost or stolen in Vietnam, immediately report it to Capital One. They can cancel your card and issue a new one. Also, file a police report in Vietnam.

11. How To Apply For Capital One Savor One Travel Card

Applying for the Capital One Savor One Travel card is a straightforward process that can be completed online in just a few minutes. Here’s a step-by-step guide to help you through the application.

• Check Eligibility: Before applying, ensure you meet the basic eligibility criteria.
• Gather Required Information: Collect all necessary information, such as your Social Security number and income details.
• Complete the Online Application: Fill out the application form on the Capital One website.

11.1 Checking Eligibility for Capital One Savor One Travel Card

Before you start the application, make sure you meet the basic eligibility criteria. Capital One typically requires applicants to have a good to excellent credit score.

• Credit Score: Aim for a credit score of 670 or higher.
• Age: You must be at least 18 years old.
• Income: You need a stable income to demonstrate your ability to repay.

11.2 Gathering Required Information for Capital One Savor One Travel Card

To complete the application, you’ll need to provide certain personal and financial information. Having this information ready will speed up the application process.

• Social Security Number (SSN): This is required for identification purposes.
• Date of Birth: Ensure you provide your correct date of birth.
• Address: Your current residential address.
• Income Information: Details about your annual income.
• Employment Status: Information about your current employment.

11.3 Completing the Online Application for Capital One Savor One Travel Card

The easiest way to apply for the Capital One Savor One Travel card is through the Capital One website. Here’s how to do it:

1. Visit the Capital One Website: Go to the official Capital One website and find the Savor One Travel card.
2. Find the Application Link: Click on the “Apply Now” or similar button to start your application.
3. Fill Out the Form: Provide all the required information in the application form.
4. Review Your Application: Before submitting, carefully review all the information to ensure accuracy.
5. Submit Your Application: Once you’re satisfied, submit your application.

After submitting, Capital One will review your application and may request additional information if needed. You’ll typically receive a decision within a few days.

12. Understanding Capital One Travel Protections and Insurance

Capital One offers various travel protections and insurance benefits that can provide peace of mind during your trips. Understanding these protections can help you travel with confidence.

• Travel Accident Insurance: Coverage for accidents during travel.
• Trip Cancellation/Interruption Insurance: Protection for unexpected trip changes.
• Auto Rental Collision Damage Waiver: Coverage for rental car damage.

12.1 What Does Capital One Travel Accident Insurance Cover?

Travel accident insurance provides coverage for accidental death or dismemberment that occurs during a covered trip. This can offer financial protection for you and your family in the event of a serious accident.

• Coverage Amount: The coverage amount varies depending on the card and the nature of the accident.
• Eligible Accidents: Typically covers accidents that occur while traveling on a common carrier, such as a plane, train, or bus.
• Claim Process: To file a claim, you’ll need to provide documentation of the accident and your travel itinerary.

12.2 How Does Capital One Trip Cancellation/Interruption Insurance Work?

Trip cancellation/interruption insurance can reimburse you for non-refundable travel expenses if your trip is canceled or interrupted due to covered reasons, such as illness, injury, or other unforeseen events.

• Covered Reasons: Common covered reasons include illness, injury, death, natural disasters, and other emergencies.
• Reimbursement: You can be reimbursed for non-refundable expenses such as flights, hotels, and tour costs.
• Documentation: To file a claim, you’ll need to provide documentation of the reason for cancellation or interruption, as well as receipts for your expenses.

12.3 What Does Capital One Auto Rental Collision Damage Waiver Cover?

The auto rental collision damage waiver provides coverage for damage to a rental car due to collision or theft. This can save you from having to pay out-of-pocket for repairs or replacement.

• Coverage Scope: Typically covers damage due to collision or theft.
• Exclusions: May not cover certain types of vehicles or damages.
• Claim Process: To file a claim, you’ll need to provide documentation of the damage and the rental agreement.

13. Capital One Savor One Travel Card and Digital Wallets: A Convenient Combination

Using your Capital One Savor One Travel card with digital wallets like Apple Pay, Google Pay, and Samsung Pay can make your transactions more convenient and secure.

• Enhanced Security: Digital wallets use encryption to protect your card information.
• Easy Payments: Make quick and easy payments with your mobile device.
• Wider Acceptance: Digital wallets are accepted at a growing number of merchants.

13.1 How Does Apple Pay Work with Capital One Savor One Travel Card?

Apple Pay allows you to make contactless payments using your iPhone, iPad, or Apple Watch. To use your Capital One Savor One Travel card with Apple Pay:

1. Add Your Card: Open the Wallet app on your Apple device and add your Capital One Savor One Travel card.
2. Verify Your Card: Follow the on-screen instructions to verify your card.
3. Make Payments: Use your device to make contactless payments at participating merchants.

13.2 How Does Google Pay Work with Capital One Savor One Travel Card?

Google Pay enables you to make contactless payments using your Android device. To use your Capital One Savor One Travel card with Google Pay:

1. Download Google Pay: Download the Google Pay app from the Google Play Store.
2. Add Your Card: Add your Capital One Savor One Travel card to the app.
3. Verify Your Card: Follow the verification process.
4. Make Payments: Use your device to make contactless payments at participating stores.

13.3 How Does Samsung Pay Work with Capital One Savor One Travel Card?

Samsung Pay works with select Samsung devices to enable contactless payments. To use your Capital One Savor One Travel card with Samsung Pay:

1. Open Samsung Pay: Open the Samsung Pay app on your device.
2. Add Your Card: Add your Capital One Savor One Travel card to the app.
3. Verify Your Card: Verify your card information.
4. Make Payments: Use your device to make payments at stores that accept Samsung Pay.

14. Maximizing Rewards with Capital One Offers

Capital One Offers is a program that provides cardholders with personalized discounts and cash back opportunities when shopping at participating merchants.

• Personalized Offers: Receive offers tailored to your spending habits.
• Easy Activation: Activate offers with a few clicks.
• Automatic Rewards: Earn rewards automatically when you shop at participating merchants.

14.1 How to Find Capital One Offers

Finding Capital One Offers is easy. Here’s how:

1. Log into Your Account: Log into your Capital One account through the website or mobile app.
2. Navigate to Offers: Look for the “Offers” section in your account dashboard.
3. Browse Available Offers: Browse the available offers and activate the ones you’re interested in.

14.2 How to Activate Capital One Offers

Activating Capital One Offers is a simple process:

1. Select an Offer: Choose an offer that you want to activate.
2. Click Activate: Click the “Activate” button to add the offer to your card.
3. Shop and Earn: Shop at the participating merchant and use your Capital One Savor One Travel card to make the purchase.

14.3 Tips for Maximizing Capital One Offers

To get the most out of Capital One Offers, follow these tips:

• Check Regularly: Check the offers section regularly for new deals.
• Activate Relevant Offers: Activate offers that align with your spending habits.
• Read the Terms: Read the terms and conditions of each offer to ensure you meet the requirements.

15. What are the alternatives of Capital One SavorOne Travel Card

While the Capital One SavorOne Travel Card is a solid choice, exploring alternatives can ensure you find the perfect fit for your spending habits and travel goals. Here’s a look at some top contenders.

• Chase Sapphire Preferred Card: Renowned for its flexible rewards and travel perks.
• American Express Gold Card: Excels in dining and U.S. supermarket rewards.
• Wells Fargo Bilt Rewards Card: Offers unique rewards on rent payments.

15.1 Chase Sapphire Preferred Card

The Chase Sapphire Preferred Card is a favorite among travelers for good reason. Its rewards program is robust, offering points that can be redeemed for travel, cash back, or gift cards.

15.2 American Express Gold Card

The American Express Gold Card stands out for its high rewards rates on dining and U.S. supermarket purchases. It’s a great option if you spend heavily in these categories.

15.3 Wells Fargo Bilt Rewards Card

The Wells Fargo Bilt Rewards Card is unique because it allows you to earn rewards on rent payments without any transaction fees. This can be a significant benefit if you rent your home.

Capital One Savor One Travel card can significantly enhance your trip to Vietnam by providing rewards, convenience, and security. By booking flights, accommodations, and transportation with the card, you can earn cash back and enjoy various travel benefits. SIXT.VN further enhances your experience by providing seamless transportation, customized tours, and reliable service. So, plan your Vietnam adventure today and make the most of your Capital One Savor One Travel card.

Ready to explore Vietnam? Let SIXT.VN take care of your travel needs. From airport transfers to customized tours, we’ve got you covered. Contact us today to start planning your dream trip!

Address: 260 Cau Giay, Hanoi, Vietnam
Hotline/WhatsApp: +84 986 244 358
Website: SIXT.VN