💳 Which is YOUR favorite premium credit card? Correction @ 3:29 - 150k points, not $150k :)

If Amex can replace the Walmart and Equinox credits with something actually useful, the plat card will skyrocket

@KevinYang

Жыл бұрын

That would make it insane. Honestly wouldn't mind bringing back UberOne for more than a year :)

@isaiah1931

Жыл бұрын

Definitely the Equinox. As for Walmart I love that credit as I am local to multiple Walmarts.

@itsbenniblack6941

Жыл бұрын

I know what would be a game changer a car rental credit!!!!!!! 300$, 150$ per 6 months

@MichaelMcNeeley

Жыл бұрын

I use Walmart only for the free Paramount+ subscription that comes with it. I technically downgraded from the no-ads version but whatever, it’s free now.

@KevinYang

Жыл бұрын

@@MichaelMcNeeley Free is always great!

Nice comparison, Kevin...comprehensive & informative!

@KevinYang

11 ай бұрын

Thanks for watching!

Just got my GOLD CARD a week ago and probably gonna go with venture x as my premier travel card. Wished chase could revamp there reserve card to make it more appealing ! Venture X seems like a no brainer at them moment

@KevinYang

Жыл бұрын

+1 on the CSR revamp! And the Amex Gold is one solid card choice!

Great video, I feel like the Platinum and VX both fill their niches wonderfully, whereas the CSR (and tbh, the chase trifecta) isn’t really the best at anything

@KevinYang

Жыл бұрын

+1 on all of that! Hopefully CSR gets updated at some point!

Man the Venture X sounds great. It feels like that paired with the Amex gold would be a great combination in terms of categories. The platinum just gives so many applicable credits to me though. I have to go back through your videos to see how the reserved stacks up when it has the trifecta behind it since the other two Chase cards wouldn’t have annual fees. This is great content!

@JaytizalOKC

Жыл бұрын

💛💛✍️

@edfilbasan6962

Жыл бұрын

You could pair the the Venture X with the SavorOne as well. No AF and 3% on grocery and dining. Pretty simple setup if you want to stay in the cap one ecosystem.

@isaiah1931

Жыл бұрын

@@edfilbasan6962 Thanks for the info! I’m really digging into the credit stuff trying to find the best overall setup. I’m leaning the Amex trifecta but Capital 1 is making a strong case.

@CrowsRevenge1

Жыл бұрын

Im running the SavorOne with my venture X. That 3 percent on dining, streaming, entertainment, and groceries helps a lot to maximize. Then you have the 2 percent catch all. Not to mention the Capital one 8 percent on its entertainment and the other ticketing service. AS well as the limited time partnership with uber/uber eats for the 10 percent gains. Granted I'd take this all with a grain of salt as I dont see how Capital One can maintain this card with these rewards while operating at a loss with everyone that keeps the card from year 2 onward. Personally I think it will get the nerf bat eventually. Whether that be a nerf to its earning categories or an overall AF hike, I do believe the current iteration won't last forever.

@isaiah1931

Жыл бұрын

@@CrowsRevenge1 Yes I’m debating the SavorOne over the Amex Gold. I’m worried about having to keep up with the credits for too long with the $250 AF. I was also considering the Amex blue cash everyday card with the 3% back on the gas I think I’m going to go with the Citi custom cash card since I can get 5% back on gas alone. Then I want the Venture X but like you said I feel like it’ll get hit soon and the platinum seems a lot more secure in its benefits and credits. Right now I’m leaning the Citi custom cash, the SavorOne and the Platinum. As of now I have the Discover It, the PayPal 2% cashback and the Apple Card. Platinum would be my only AF card and I’d use roughly $1000 in credits per year.

The Venture X is the definition of “we know we’re not the best, so we try harder.”

@KevinYang

Жыл бұрын

Great way to put it!

I have the Venture X and I absolutely love it!! One of the things that I really wanted in a premium travel card is lounge access. The Venture X gives you access to CO lounges, Plaza Premium and Priority Pass. The card annual fee really pays for it self. I love that they give you 10,000 bonus miles each anniversary. That's a nice perk that I haven't seen on a lot of cards. The VX is a good choice for me bc it's a great middle ground card. With its $395 annual fee, it's travel card that gives you more benefits than a 0 annual fee travel card gets you but it doesn't have a high annual fee like the platinum card which is $700.

@KevinYang

Жыл бұрын

Yeah the Venture X is so feature packed for how much it costs (if anything)!

I have all 3 😅. I do find the CSR the hardest to justify for its annual fee. Amex I use all the credits and I get personal 150 credit since I have corporate card.

@KevinYang

Жыл бұрын

Nice! The corporate card really helps with the AF on the plat!

Would you get venture x if you can’t get lounge access?

I travel with my family and the travel protection from CSR I found to be superior. One flight cancellation or long delay will wipe out some of the other benefits. If your kid get sick you get emergency medical insurance.Only one accident, one trip to the doctor, one trip delay/cancellation will wipe out any benefits in my humble opinion. PS I have Amex Plat but waiting to get CSR.

@DoremonUCR

Жыл бұрын

How easy is it to make a claim? Reddits, forums and blog from users have said that it is a major PITA and eclaims is very difficult to work with. Many users wait like a year or get denied.

@JaytizalOKC

Жыл бұрын

💛💛✍️

@JaytizalOKC

Жыл бұрын

@@DoremonUCR ta lk Prïvately ˚☻♡☺

@puppy10s

Жыл бұрын

I heard putting a claim for these is hard to get through

@sebastianlopezgarsco1420

11 ай бұрын

It took me over six months to get refunded for a trip delay 😩

The Amex Platinum is definitely hard to beat across the board! However, as you mentioned, it all really comes down to what credits/perks you value as well as what transfer partners you prefer to use. These are all great options at the end of the day! I'll personally start with the Venture X but foresee myself getting the Platinum card down the line as well. I just can't justify that AF yet!

@KevinYang

Жыл бұрын

💪Venture X gang! And agreed, the Amex Plat is the hardest to justify, but if someone can, it's a great card!

@SpencerJohnsonOfficial

Жыл бұрын

@@KevinYang I’m happy we agree!!

@mattmorrison1408

Жыл бұрын

@@KevinYang The problem is, cap one has the worst travel partners

@leoluv822

Жыл бұрын

I agree, I love the venture x. I use it the most. And I’m very intrigued with the Amex platinum but that af though 😬 But I have to agree the partners are the worst with the venture x, they gotta work on that.

@akatakam8551

Жыл бұрын

I have all 3. Amex Plat is quite difficult to justify especially when you add 3 AUs. Initially they were best when we got 275K bonus 1st year with 125K signup plus 10x on 15K grocery added upto 275K points. My current fav is Vx. With plus 4 AUs free and PP acces. I wish they didnt take away the PP restaurant spend. i am hoping they add more partners.

With American platinum, can I use lounge at the airport if I don’t purchase ticket with the card? Thanks

@KevinYang

Жыл бұрын

Yes! For all of these cards, their airport lounge accesses can be had without purchasing the tickets with the cards. Some may have restrictions though, like Delta lounges part of Amex Plat requiring you to fly Delta.

I gotta say, before you could easily give it to Amex platinum for lounge access but now that they put a stop to it, I couldn’t give it the most points in that category.

@JaytizalOKC

Жыл бұрын

💛💛✍️

CSR really need a good revamp, it's falling behind 😴

@KevinYang

Жыл бұрын

Yes! Couldn't agree more

Hi Kevin, I have the CSP and Flex card. I really want to get the Venture X for the $300 flight credit and 10,000 anniversary credit. Should I complete the chase trifecta or go for the venture x? I am not the most frequent traveler, only twice a year, 3 at most.

@KevinYang

Жыл бұрын

Personally I also only have the CSP and Flex (No Unlimited) and I went with the Venture X after!

@JorgeRamirez-oo6qw

Жыл бұрын

@@KevinYang Do you plan to keep it long term or downgrade the card to a no annual fee in the future?

@KevinYang

Жыл бұрын

@@JorgeRamirez-oo6qw As it stands I plan to keep it open, given as long as you use the $300 + $100 every year, it more than pays for the annual fee!

Overlooking travel partners in the portal is such a miss, that is the worst part about capital one and the reason why most people don't have it

@JaytizalOKC

Жыл бұрын

💛💛✍️

Many places internationally do no accept Amex. That's a dealbreaker for me as I spend at least 2 months a year abroad.

@KevinYang

Жыл бұрын

Personally I feel like that's gotten much better! Which countries do you regularly visit?

@cfpzona

7 ай бұрын

That's exactly why I've opted for the CSR. I was just in Europe (Germany and Netherlands) and there were a few establishments in both countries that had signs not accepting AMEX. I used my Capital One Venture with no issues.

Venture X due to it being very simple on using the credits. Good transfer partners and good point system as a 2x for everything besides travel.

@KevinYang

Жыл бұрын

Exactly, such a great individual card that has 2 very easy credits!

Can you make a video on a subject that ABSOLUTELY NOBODY is talking about?? Regarding the Amex Gold card in America than in México!! Same card different perks and benefits, please do a review or video on this subject, I promise you will be the only one talking about this concern, did you know in Mexico if you get the Amex gold card, you get priority pass and can bring up to 10 guests for free?? Unlimited times, that's just one of the many many perks, however the annual fee for the gold card in Mexico is $495USD! And here in America is $250

Hi Kevin, I have been following your videos for a long time. I currently have a freedom unlimited and have many reward points on it. Should i get the Chase reserve or Venture X? Would I be able to transfer my reward points if i get the VX?

@JaytizalOKC

Жыл бұрын

💛💛✍️

@RichGoesPlaces

Жыл бұрын

Yes u can transfer to partners with Vx. I have that card. It's amazing!

Hey Kevin. Love your content man, keep it up! I have a Business Inquiry for you. What's the best email to reach you at?

Among the 3, I have the venture X for its easy to use credits and lower effective AF. However they recently cut its PPS restaurant benefit, which is something that had brought me a ton of values last year…

@samuelm5140

Жыл бұрын

How are you liking the Venture X? I heard the transfer partners aren't good for domestic airfare and the travel portal credit is usually priced higher than booking with the provider directly....

@zianqian776

Жыл бұрын

@@samuelm5140 The travel portal works fine for me. I’ve used it a few times on flights and rental car booking and it’s about the same price as booking elsewhere.

@KevinYang

Жыл бұрын

Actually have had the opposite for the places I travel. Never got the opportunities to use the non-lounge benefits haha

@KevinYang

Жыл бұрын

@@zianqian776 Yeah the portal has been pretty consistent from what I've seen!

Hey Kevin, I currently have the chase sapphire preferred. Got it when they were offering 85,000 points! No brainer! I’m looking into getting my next card since this card doesn’t hit all the categories. I was looking into the Venture X, since it seems to have a ton of perks for the annual fee. (Specifically lounges/tsa pre/ 300 dollar travel credit). I’ve also considered the chase trifecta so that I could hit all the categories. A lot of our spending is Gas, grocery and dining (and then some). What would you do if you were in my shoes? Also open to new ideas!!

@KevinYang

Жыл бұрын

Hmm the Chase Freedom cards have elevated bonuses right now with the $200 + 5% on groceries in the first year up to $12k. Venture X's bonus has been pretty much the same. That said, one path could be to get the Freedom card first, hit that, then get the Venture X a few months later? Just incase those elevated bonuses on the Freedoms go away.

@ryansartor5521

Жыл бұрын

@@KevinYang I just figured out that right now the freedom flex and unlimited are offering 5% back on grocery. The freedom flex this quarter is also offering 5% back on grocery. So if I go with the freedom Flex the 5% (grocery) from the bonus offer and the 5% (grocery) from the quarterly bonus will stack. So I’ll go with freedom flex for now. Do you happen to know if chase allows/will approve if I apply to both freedom flex and unlimited? I read somewhere that many times when someone applies to multiple cards at once they will only need to do one hard inquiry so it won’t affect credit score as much? Just curious if you’ve heard of anyone doing that?

@KevinYang

Жыл бұрын

@@ryansartor5521 I would choose one then wait awhile (~3 months) before the other. It's not impossible, but I think there is a higher chance of denial doing them too soon one after another. And yes the bonus does stack! (It'll actually be 9 points, 1 + 4 + 4)

@billwright2176

Жыл бұрын

I'm waiting for my 5% on freedom to expire so I can have a second year of groceries on the flex.

Amex been treating me very well, had the reserve and was meh, and the VX the portal and customer service is garbage.

@JaytizalOKC

Жыл бұрын

💛💛✍️

The amex isn't accepted everywhere abroad :((( so I think the reserve takes the cake for this one.

@KevinYang

Жыл бұрын

Really depends on where you go! I was surprised that almost all small stores I visited around South East Asia took Amex!

@DanielleJaramilla

Жыл бұрын

@@KevinYang I know some parts of Italy don't accept it :( But thank you for your video!

I wish Capital One Venture X had transfer partners that fit my needs (ie. Southwest, Hawaiian, Marriott, Hyatt, Hilton, etc.). I would rather not figure out which international airline that will travel to HI to CA.

@KevinYang

8 ай бұрын

Have you gone for the SW-specific cards?

@kaina732

8 ай бұрын

@@KevinYang I am working the CP strategy (qualifying for SUBs in early Jan 2024) with 2 SW cards.

I’m a hardcore Platinum supporter. Capital One and Chase have good cards, but offer very complicated, inconvenient customer service. Amex treats you like a king.

@KevinYang

Жыл бұрын

Totally agree with Amex's customer service!

@Nikki_yourbroker

Жыл бұрын

I totally agree!!

I have all three and my fave is the Amex Platinum. CSR second and Venture X is ranked last.

@KevinYang

Жыл бұрын

Amex Plat is my most valued card too! What makes you choose CSR > Venture X?

@kristineddie

Жыл бұрын

@@KevinYang(1) To use CSR $300 annual travel credit - they do not require that travel be booked through their portal like VX does. I don't like VX's limitation because we use Airbnb and VRBO a lot. Along with Instacart and Doordash credits, that practically covers the annual fee. (2) How VX processes the annual $300 travel credit is quite inconvenient - you have to wait a couple of statement cycles before the credit shows up in your account unlike CSR (and Amex). I will say that VX's hotel price match is great (easy to do ) and I do like that they identify pet friendly hotels. (3) Priority Pass from CSR includes non-lounge accesses. This gives me additional options that even Amex does not offer. VX's 2X point on everything else is good if I want to accumulate points to later move to transfer partners. That part trumps CSR.

@KevinYang

Жыл бұрын

@@kristineddie (1) For sure! Personally I've mainly used them for domestic flights which usually hit the $300 limit anyways, but that is a major benefit on the CSR side (3) Have you been able to use non-lounge benefits a lot?

@nubianpwr

Жыл бұрын

@@kristineddie case well made👍🏾

@christianhernannnnn

Жыл бұрын

I KNOW ITS NOT ALOT OF MONEY WITH PAYING THE ANNUAL FEES AT THE END OF THE YEAR, BUT HOW DO YOU MANAGE TO PAY 3 ANNUALS FEES? YOU PAY OUT OF POCKET, YOU OWN A BUSINESS? OR DO YOU SIMPLY JUST TRAVEL ALOT??

Capital One Venture X gang here.

@KevinYang

9 ай бұрын

Still lovin mine!

If you can take advantage of at least some of the credits, the Platinum is king imo!

@KevinYang

Жыл бұрын

Exactly! Everyone has their own lifestyle and spending so please tune the categories to yourself! The Platinum gives the most value but is probably the hardest to justify overall. However if you can, it's amazing like you said!

I dont have the venture x but online you see Tons of posts for how bad it is to use the travel credit. You gave your first point to amex based on the hope the bonus happens again but not what it is in reality. Id have a hard time using $650 on platinum credit maybe more if I drive a hour. Also walmart? Is that not embarrassing?

@KevinYang

Жыл бұрын

Great points! The 150k offer is still popping up quite frequently so do take a look! And I agree, the Amex Plat is hardest to justify, but if someone is able to, then that's a really feature packed card!

@anthonychen6237

Жыл бұрын

I am a second year Venture X card holder and I would say the $300 travel credit is SUPER EASY to use!!! Last Jan. and this Jan. I just booked flights from Capital One travel portal, and 3 days after I reserved the flights, the $300 travel credit just showed up on my Capital One app for both times. Yes, you WILL see the credit months BEFORE your fly!

@KevinYang

Жыл бұрын

@@anthonychen6237 Same here about the easy to use credit. Domestically the flights have been pretty consistent price wise too

YMMV, but I was able to get the platinum bonus twice. After 7 years though. There are a few data points suggesting a life time means “5+ years”

@KevinYang

Жыл бұрын

Thanks for the datapoint! I've definitely heard of people getting it after 5-7 years, but 100% YMMV!

the amex is very hard to claim those credit.. its a whole bunch of stuff you won't use. $200 for hotel is only for super expensive hotels bookings. also the $200 flight basically is unusable. especially if you have any sort of status with the airline. its bogus.

@KevinYang

Жыл бұрын

Very niche for sure, but anyone who *is* able to use those credits can find a ton of outsized value on the card!

@LWT633

Жыл бұрын

@@KevinYangany credit that you can claim only by spending 10x the credit is bogus to me .

@KevinYang

Жыл бұрын

@@LWT633 Which credit are you referencing?

@LWT633

Жыл бұрын

@@KevinYang hotel credit for example …. Just one night stay of the qualifying for the $200 are like 600+ a night usually …. But hey wtv .. I still have the card .. I travel like 6+ times a year so I use the lounge ALOT in miami .. however they recently took off guest access .. and I’m no longer using the card as much so I won’t hit the 75/k spending .. that means that now I mean need to get an extra card and pay $175 more for my wife a year 😅😅😅

Amex because customer service is 👑.

@KevinYang

Жыл бұрын

Agreed! Never had a bad experience with them

I would love the Venture X, but their transfer partners suck. Would love CSR because of the good transfer partners, but that fee 🙄

@KevinYang

Жыл бұрын

Which transfer partners do you value most?

@Anonymous502

Жыл бұрын

@@KevinYang Hotels like Hyatt and Marriott.

Venture X beats all.

@KevinYang

11 ай бұрын

One powerful card! Do you have it?

Capital One needs to change the game by paying for KZread & Netflix.... Theyll DDT the competition 😂

This venture x hype needs to stop , especially the fact the capital one is a terrible institution.

@santiagosantander212

Жыл бұрын

Yup… Can’t reallocate credit/3 hard pulls/ hard to create a set up with limit on cards they allow. It’s a crappy institution that put out a okay card. Kind of like if huawei put out an iPhone competitor - would you really want one from them?

@flightboi9

Жыл бұрын

@@santiagosantander212 you got it the KZread credit guys dont really talk about those major pitfalls , i believe if more people were aware they would not sign up for this card.

@kaymicah5309

Жыл бұрын

Venture X pays for itself, nothing to lose there. CPR after credit will cost you about $250. Amex platinum on the other hand is over hyped and overrated. Most people justify it by asking for a retention offer. If the card is that great and you can justify the coupons, why ask for a retention offer?

@KevinYang

Жыл бұрын

I understand the credit pulls, but what else do you dislike about the Venture X, or Capital One itself?

@KevinYang

Жыл бұрын

@@kaymicah5309 Agreed about the Venture X paying for itself. Especially for those who aren't getting new cards very regularly and want a one-size-fits-all (or most likely to be one), it's a solid choice!

Those Chase card credits are useless to me.

@KevinYang

Жыл бұрын

How come Chase cards don't work for you?

@Lifeissorich.

Жыл бұрын

@@KevinYang Go Puff isn't in my area. Door Dash pass is useless because they markup their items so I never use it. Instacart has a lot of fees when I go go inside my local store and grab my stuff myself. Only the $300 travel credit can be used by me and then I'm still shelling out $250 compared to less with the Platinum & Venture X.

@cfpzona

7 ай бұрын

​@Rezalion if you take Lyft rides often enough that's a pretty useful way to add up the points amd offset the fee

venturex wins hands down. only wish they had a hilltion hyatt or united airline transfer partner