💳 See Sebby's Card Picks: www.asksebby.com/go/topcards 💳 Capital One Venture X: www.asksebby.com/credit-cards/capital-one-venture-x [ Amex Platinum Calculator ] bit.ly/2BEUufO

@lilychiang12

2 жыл бұрын

My ears actually perk up even more when I hear about the insurance options. As someone now knows how beneficial cellphone insurance can be, it’s a must have for me.

I mean, if you travel at least once a year, Venture X is a no brainer. Gives you a few nice things for basically no cost when you use the card well and crunch down the numbers. You don’t even have to be a pro CC user enthusiast

Venture X was my first travel card. I researched many cards and I found this to have to most value for my needs. I am not into fancy trips but I like to travel. I am still trying to find the value in the Amex Platinum. Many in the travel hacking game have it but I cannot justify the $695 fee yet.

Use as a Venture X like button. Applied for the card about a month ago and I’m loving all the value I’ve been able to get.

@AskSebby

2 жыл бұрын

Nice!

@alexanderwillet3245

2 жыл бұрын

@@AskSebby you were a huge help when it came to deciding on my first travel card. I can’t thank you enough!

I think there is an underrated duo play here you might want to cover: VentureX + Savor or SavorOne vs. AMEX Platinum + AMEX Gold. Since Capital One let’s you transfer points from a Savor or SavorOne to a VentureX, you can essentially have a card that’s 3x grocery (that’s grocery, important, the AMEX category is “US supermarket”), dining and entertainment paired with your 2x VentureX. This may be better for generating spend than 4x on a Gold because you don’t pay an annual fee (and you don’t need to spend $10 every month at Shake Shack to recoup your AMEX Gold annual fee) ;)

@scottkeith2587

Жыл бұрын

To me the gold perks are so easy to use the fee is irrelevant. Anything through GrubHub or UberEats works so you aren't limited to just shake shack or cheesecake factory lol.

@julianao3147

Жыл бұрын

bingo - my VentureX + SavorOne duo has been amazing. all grocery, dining, coffee, etc.that qualify 3x on S1, additionally CapOne's shopping portal offers so many cash back deals so I check there before online shopping (ex: vivid seats offer for 8% cash back, H&M 12%, etc.); and all other purchases on VX (2x for misc, 5x flights, 10x hotels). S1 can be redeemed for statement credits or 1:1 to cover purchases or redeem on amazon, and more, then I rack up VX points for future travel. This doesn't even take into account how simple my travel planning is with CapOne's travel portal is to use and the price savings they offer, and totally ignoring all the other perks...

@gagesaenz3864

Жыл бұрын

The Savor and SavorOne just keep getting better and better too. They added streaming platforms as a category for 4x (Savor) or 3x (SavorOne) back, including KZread TV, and all the major streaming sites. They now have free UberOne membership for the next 2 years ($240 value), and 10% back on Uber and Uber Eats, which can then be converted to VentureX Miles like you stated. I know this is only a 2 year thing, but I think Capital One and Uber are very likely to strike some sort of parternship before that ends. I think a lot of people are sleeping on the VentureX and Savor bifecta.

@FsimulatorX

Жыл бұрын

@@gagesaenz3864 dumb question, but why would I want to have a Savor card if I have say a VentureX and Chase Sapphire Preferred?

Good comparison! One correction: CapitalOne just added Virgin Red as a transfer partner, which can convert to Virgin Atlantic 1:1, as well as other Virgin loyalty programs

Was deciding between the CSR, Amex Plat and Venture X. Went with Venture X. Easy to use $300 annual credit. Booked a hotel stay for Boston 2 days ago, call them up to price match. Got credited back already. Glad I went Venture X. Will be my new travel/all around card in place of my CSP

@AskSebby

2 жыл бұрын

Nice! Thanks for the data point.

As far as a card you can actually USE while traveling, it seems like Venture X wins by a landslide here--even against the CSR. For me, a travel card that has max value for literally anything, while traveling, is an understated perk. I can spend while on a trip, knowing that I'm not losing out on points, or paying foreign transaction fees. Personally I think the Venture X just has more room to grow, period. To call it an "assault on the Platinum" is quite on the nose. I went with the Venture X earlier and can't wait to use it.

Thanks for the hydration reminder Sebby! Also, I recently got Venture X and have been enjoying it. Looking forward to more capital one lounges. 😎 ✈️

@AskSebby

2 жыл бұрын

Awesome!

Let the battle (and hydration) BEGIN! 💳😎💳

Love your videos man. Just got the venture x, so I’m excited to see how the rewards/lounges expand 🦷

@AskSebby

2 жыл бұрын

Hope you enjoy it!

Definitely thinking about adding this card - when the DFW Centurion was uncomfortably crowded recently my fiance suggested we try the Capital One lounge since she has a Venture card. I must say the Capital One longe at DFW was very nice and much more comfortable, at least on the day we were there. The food was excellent and the views are much nicer. I think I'll keep the CSP rather than upgrading to CSR and and go with Venture X instead.

Sebby always making MVP caliber videos. Keep ‘em coming. 🦷 I am quite frugal and sometimes have to find ways to meet spend minimums. For anyone else in a situation like that, a couple suggestions (if you haven’t already thought of it). 1. My city accepts all but AmEx for property taxes and charges 2.45% but since Cap One Venture X gives 2% back on everything, that’s effectively less than half a percent per dollar. 2. I started withholding less from my paychecks so that come tax filing time, I would have the option of paying with a credit card, if it happens to be advantageous. I believe all the vendors that the IRS outsources their tax collection to, charge a shade under 2% (like 1.95% or 1.99%) = break even. 3. I didn’t used to be able to charge any of my utilities to a CC but lately some have started accepting credit cards for a nominal fee. I haven’t tried it yet but I think I could possibly also pay in advance. If that works, I could pay the next several months’ water, gas and electricity bills, for example.

I also weighed both of these options and came to the conclusion that the Venture X Card was a better fit for my lifestyle right now. Both cards are fantastic travel credit cards though! 🤓

Thank you Sebby. This is a really good video for me. I have Amex Plat for 5 years and I just received Venture X. AF is due for Plat in 3 months and I am really undecisive about renewing for next year. I guess my decision will depend on what retention offer I get.

I really enjoy your channel. I'm learing a lot as a more "seasoned" person of age. Keep the great info coming.

Sebby thank you for such great content.

I've been eyeing the Venture X for a few months and finally got in a position to pull the trigger! I'm so excited!

@vintenen

5 ай бұрын

How is it going a year later?? I just applied and got approved just waiting for the card now 😌

CSR and Platinum and now the Venture X are all in rotation thanks Sebby!

Was planning to apply Chase CSR till I saw Venture X. Own Venture X for 2 months now and loving it! Adding 4 AUs for free and everyone in the family has the same benefits are just amazing...a truly no brainer card. Thank YOU Capital One!!!

@ryanshannon6963

2 жыл бұрын

The CSR is $550 + $75 per AU. Amex Plat is $695 + $175 for first 3 AUs. What are you talking about?

@anthonychen6237

2 жыл бұрын

@@ryanshannon6963 Yes, you are right, Ryan! 3 months ago I had incorrect information. Thanks for pointing this out. Just updated my comments above!

@ryanshannon6963

2 жыл бұрын

@@anthonychen6237 I think I'm moving from CSR to VX+Savor myself. With the transfer partners between Chase and C1 along with plaza lounges contracted with C1 there are just more options for me without the lifestyle fluff I don't care about. I don't use door dash, Uber eats, peloton, or any of that bs, so I don't want to pay for it. Really missing my free Valu-Pak coupon book from the 90s, but it's good to know AMEX plat will always be there if I need it!

A small omission is the Visa Infinite level of benefits for Capital One. Even they don't advertise that. Includes Avis & National mid-tier status, 3 years of Shipt, a FHR knock-off, and even their own concierge

@Emmanuel-ne3oi

2 жыл бұрын

Fhr?

@robbiemoore4047

2 жыл бұрын

@@Emmanuel-ne3oi fine hotels and resorts

@shaziaijaz5863

2 жыл бұрын

Does Venture X get free 3 year Shipt membership?

@shaziaijaz5863

2 жыл бұрын

How does FHR works can you explain?

@cryptodev2615

2 жыл бұрын

What do people actually do with the concierge

Loved the video Sebby! Debating on getting the Venture X to go along with my Amex Gold. By doing so, I might downgrade my CSP. What do you think? 🦷🦷

I reaaalllly wanted the flex and lounges of the platinum but when 5x on flights and 1x on everything else is horrible for such an expensive card. Venture X is $300 + 10,000 miles back yearly making the card free and 2x on everything is hard to beat. It beats the platinum no questions asked in practicality. I hope Capital One starts expanding lounges and opens at LAX one day

@nichtsistkostenlos6565

2 жыл бұрын

Amex Platinum is a card geared toward people that travel heavily. If you spend a lot on travel, you're going to appreciate its benefits. If you're taking 3 or fewer trips per year, then the Venture X is hands-down the winner. However, If you're taking a lot of trips per year (5+), the better travel partner list, the lounge access, and the flexibility of 5x points booking through airlines directly, all make the Amex Plat an incredible value. This card was a really smart move from Capital One, though, because it catches all of the people that can't make the CSR or Amex Plat work for them.

@ryanshannon6963

2 жыл бұрын

@@nichtsistkostenlos6565 I would say that the frequency of travel is probably less the determining factor so much as the hotel status offered with the Plat. If you're someone that doesn't care about that (AirBnb bookers, typically), then the plat makes much less sense than the VX. Also, you need to consider that if you're traveling that much, you're probably spending nearly as much money at restaurants as you are in hotels (depending upon the properties you decide to stay), so the bonus for restaurant spend is much more useful with the VX than dishing out another 250 for the amex gold. Unless, as you correctly stated, you travel over 1 month out of every year (as most of us *do* eat at restaurants in our everyday lives). Amex Plat is definitely going after a lifestyle demographic and straying quite far from what made the plat so appealing: the brilliant travel perks at a price that wasn't so eye-gouging. Venture X is filling the void that amex is leaving behind and I truly appreciate that. Also, VX added the Plaza lounges to their network, so that's one more arrow in the lounge quiver for VX.

@nusuralove4407

Жыл бұрын

@@ryanshannon6963 Very Insightful/ Well Stated!!!

🦷 Another great vlog... hopefully I will see you again at the Aria!

Thanks for the great content. My goal would be to get the Venture X. My largest expenditure is a mortgage so I can't pay it with a credit card. I want to finish off my Chase Trifecta before I get that one. These SUB spending will be difficult as I simply don't buy as much "stuff". I travel internationally once a year but I can avoid spending a lot with it by going on shoulder season and staying with relatives. My spending seems lower than other people.

I think for me it’s the platinum. Because I usually don’t like to book with portals because if there’s a cancellation or something then it can be a hassle as everyone tries to push you off to someone else. The airline will say to call capital one and capital one will say call the airline. Also if you book hotels you won’t get the loyalty points. It might end up giving me a 🦷 ache.

Working on the Venture X bonus currently. The card was a no brainer. I’m not a VP level employee that travels constantly, or live in a downtown setting. I also don’t see a lot of value in the couponing aspect of the Plat. And for my spending habits, the Venture X + Savor out earn a comparable Chase stack. The bonus should be easy peasy as we’re renovating a condo next month too. Plus we’re already cashing in on the perks. Taking a trip to Austin next month for the Moto GP race and redeemed our $300 credit already and using Hertz Presidential for our rental… 🦷🦷🦷

One of the things the venture x has going for it is you can create an easy 2 card system with the SavorOne. You then have a 2x card, travel bonus via the portal, and bonuses on dining, groceries and streaming. All in the same transferable points for a -$5 net annual fee.

Capital One took a page from the Chase Sapphire Reserve playbook and gave their top tier card a straightforward and easy-to-use credit with some extra points sprinkled on top. And it’s a lot of the same benefits of the Platinum with a lower annual fee. Unless you really need the additional lounge options or you’re really into coupon booking, Venture X comes out on top for me. 🦷

@jarrod499

2 жыл бұрын

I have to agree, getting positive value from the X is simple.

Got Venture X based on your online recommendation. Really happy with the decision. Although, I do also want the platinum for Delta lounge access! 🦷

@korah33

2 жыл бұрын

but u can only get in if your flying DELTA!!!

@thevarricchios4743

2 жыл бұрын

@@korah33 i dont think so

@ryanshannon6963

2 жыл бұрын

@@thevarricchios4743 It's in the stipulations: You have access if you're departing on a Delta flight.

That Capital One Airport Lounge you went to was surprisingly nice, but I don't like booking 3rd party flights; too much of an headache.

The Cash Back earned on the Capital One Savor card can be transferred over to the Capital One Venture X to have more miles to book Travel or transfer to an airline partner.

@luis77731

2 жыл бұрын

Has this been confirmed or where did you read this? Cause if that’s the true, then that makes the Venture X a no-brainer for me

@pointsofview6346

2 жыл бұрын

@@luis77731 You can transfer Savor rewards to Venture X, but you cannot Transfer Venture X miles to Savor. Keep that in mind if you choose the Capital One Route. I plan on getting the Savor card after my six month waiting time has passed since getting approved for the Venture X card.

Sebastion, Awesome Video this is a few weeks old but now Capital One has there entertainment Portal now with concerts and preferred seating and experiences just like AMEX now. Cap One is growing in the travel space and they are coming. Hopefully it all works. I find that the platinum card looks like the credits are restrictive and hard to use from what I have read and heard about.

Every time I attempt to book through AMEX travel, the trip ends up costing one to $200 more than booking through the airline itself.

@byrongrimsley500

2 жыл бұрын

And that seems to be the problem with booking through third-party basically you're earning points versus shelling out hard currency AKA cash just to get that back in points. That's definitely not a good thing

Where was the sushi at and what was the dish called with all those little dishes of assorted stuff?

I currently have the platinum due to the 150k pt sign up and the 10x at restaurants. But that runs out in April 2022. I have the Venture card(4yrs account age) and have the ability to update to the Venture X with no hard pulls due to having a account. I am considering just upgrading to get the new VX card and dropping the platinum in November when renewal starts. But I’m worried they will take my points. I have a gold card that I got a 75k SUB in Feb 2022. The questions is will they keep my pts if I close the Plat but keep the Gold card open?? Thanks for the great videos as always

Didn't Virgin Red get added to Capital ones transfer partners?

@peterright7742

2 жыл бұрын

Yes. they did.

Both of these are amazing cards, each one offers a different set for everyone.

From someone who doesn't travel a whole lot but does on occasion the venture x is probably my next big card. 🦷

What are those in the background? Besides the Kaws and Tesla?

Regarding Chicago...Delta is moving their Chicago operations later this year/early next year to the newly expanded Terminal 5(will include a new Delta lounge). United/American and their partners will be moving their international operations to a new Global Terminal (replacing term 2). I have heard a number of new lounges are included in the new Global Terminal build.

6:15 Yes you are the only person that talks about third party bookings. I work for an airline and we have to charge extra fees to take over reservations from the third party GDS systems.

🦷🦷🦷Helpful comparison! I am fortunate enough to be able to get an effective annual fee that works for me in regard to the Platinum card. Although there is some value that the Venture X offers, I can't get past the OTA requirement for the Capital One travel benefits. Still a very promising card if they can add more travel partners.

Really appreciate your videos,they are so easy to understand and to the point👏 and have question if someone add me as AU on their card will my CC balances show on their credit report or history or their balances will show on my credit report?

Great video. One thing I would add is the Venture x is a credit card. The Amex Platinum in a charge card.

lol, the two airports I fly out of the most often are ORD and MCO, but I still love the other perks the Platinum gives me.

I clicked on the Capital one link but it only links back to the recommended cards.

Hey dog 🐕 good video, over the last month your advice has brought me from 580 to 770, so thanks man - I owe you a beer or 3 😁

if you haven't already, have you thought of mentioning the avg credit score needed for these cards (I know it can vary)?

Do you think the Venture X is worth it if you’re already chase reserve??

Thx for answering that Chicago doesn’t have a lounge here at OHare

Didn’t capital one just add Virgin Red which you can 1:1 transfer to Virgin Atlantic or did I misread that?

I live in Seattle and lounge access was my #1 priority when I got my card. AMEX Platinum wins hands down, especially since I normally fly Delta or American and with Delta lounge access and Centurion lounges in SEA, DFW, CLT, and MIA that pretty well covers my needs. I also have a Capital One Venture Card if I ever want to try one of their lounges. Since I got a Business Gold card with 4X for my top two categories, whatever they are that month, I am socking away a ton of AMEX points.

I bought tickets to DC, and used the feature in Capital One Venture X. It alerted me when the price dropped a little and I bought it when it said it was a good time....then a few weeks later, price dropped again by $20 a ticket. I got the money back without me having to ask for it...that was super nice. But what I am not sure of is that in all the other alerts I have put up...it told me when I thinks the price will go down...and it's only been going up. IDK if it was just beginner's luck?!?

Though V & MC are generally accepted in a few more places, I have used AX in Europe, Asia, Africa, North, Central, and South America, and very rarely get my Amex turned down, when it happens it’s almost always a cash only business. As most international travelers know, it’s safer to use a credit card than cash or debit, Amex benefits like getting you a replacement card and money anywhere in the world, is one of the perks no one cares about until they need it.

So I booked hotel collection and got my $200 credit! Can I use fhr and get another 200?

10/9/2022 Sebby!!!! 4:48am applied/approved for VENTURE X! … & I’m not usually a fan of Cap 1. Thank you.

By the end of the year I will have the following wallet: - Amex plat - Amex Gold - Venture X - Chase sapphire preferred I get the annual fees waved so it’s a win win.. am just going to have to be careful meeting the min spends and keeping track of the benefits

I’m on the “Chase Trifecta” and love it. Get lots of free travel. But it would be nice to have only one card to keep up with. Would Venture X be a viable option? Seems it would be $5 (after credits)and 2x miles on non travel spending vs the trifecta’s (usually 1.5% on the Freedom card) and 25% point boost for travel redemptions.

@junior5893

2 жыл бұрын

Thats what I'm trying to figure out also. I too am on the Chase train. My CSR AF is coming due this month and I'm weighing options. What has kept me with Chase is that the points are worth more in the portal. 1.5% adds up very fast compared to 1%. But if you're accruing points faster because you get 2X back no matter what with Capital One is it a wash??

Can you do how to videos. Like how to use venture x to the max

Sooooooo Question. I had applied for a Amex card sometime in the beginning of Covid like early Covid September, October somewhere around that time thinking I’ll be able to travel, use hotels and be able to get the sign up bonus but really beyond that travel but as we all know Covid hit and we where all stuck in the house for months. Then from lifting mandates on and off. I ended up not being able to use my card for a while but little small things here and there nothing travel related. I ended up calling Amex and trying to get an extension on the sign up bonus and they kept telling me to just do some traveling and the points will stake up but the bonus if I am not mistaken was around 120,000 points or so give it take and to get that many point will take a little while to accumulate. So my question is: is there anything I can do to get those points or retry at the sign up bonus?

Which one is easier to get

Got approved today for the venture x with a reported Fico score of 708 🙏🏽🎉

All Nippon Airways isn't good for getting to Japan? I also don't see ANA listed on Amex's partner page on their site

About to do a downgrade my chase sapphire reserve to a preferred. With the gold and venture x, the reserve's annual fee doesn't appear to be worth it

I have both, but I like the Platinum more.

🦷 dont forget to brush them after that nice meal ! i hope you enjoyed. My question is : How can i maximise my credit card (lets say an amex ) in correlation with my business (amex business card) what expenses does that cover ? and how to optimize things for taxes (also im in canada (quebec (= more taxes))) so any future videos specific to here are so appreciated)

My airport is Detroit, which is a Delta hub, and accounts for like 70% of flights (including Delta Connection). So unfortunately for me it's the Platinum if I decide to get a premium card. The Delta Reserve could be worth it if you value the companion pass very highly, but it does kind of suck that worthwhile options are limited for me.

Hey guys, what about chase sapphire reserve vs Amex plat?

Love your vids Sebby!

@AskSebby

2 жыл бұрын

thank you! :)

Still baffles me that ORD doesnt have a centurion lounge. 🦷

I think you need to clarify what kind of travel. For international travel the Amex is basically useless overseas. In many stores or cities, in foreign countries around the world, they don't take Amex. I carry both the CSR and the Amex and the Amex stays in the wallet while overseas. So if I had to pick between those two, Capital One is by far the best travel card.

@ahwleung

2 жыл бұрын

The card may not be accepted but Amex lounge options are way better internationally, especially in Asia now that plaza premium is amex exclusive.

@gamechaser94

2 жыл бұрын

Who cares about a lounge im only gonna be there for. A couple hours

Love the platinum card. Greatest travel card hands down.

Sebby, do you by chance have the link for capital one to downgrade cards? I’ve got the venture and venture X so I’m going to downgrade my venture to a venture one for no annual fee

Great video. Venture x for me

Was denied for the Platinum even though I have great history with Amex and above 740 credit but I’m applying for venture x soon 🤞🏽🦷

What about cell phone insurance value ?

This is great I want to know how this compared to Chase Sapphire Reserved!

One thing, I get the Amex gives hotel status but I have to like the venture x for car rental status. You can match from hertz presidents circle to the other companies

@samuelrivera8046

2 жыл бұрын

The Hilton Gold status given by the Amex Plat has come really in handy for me. I travel a lot for work and we have centers in a lot of smaller cities/ markets like Tulsa, Scranton, Pompano, etc.. I have gotten an upgrade 75% of the time at the time of check in. In our larger markets like ATL , Chicago and San Diego I have only been upgraded once. Since I get reimbursed for all business related travel expenses, this card pays for itself and I get to enjoy its perks when I go on personal travel 😀

@jarrod499

2 жыл бұрын

@@samuelrivera8046 if you can make the credits work for you I agree the plat offers more. I just can’t justify them.

🦷 The Venture X is my go to card for "everything else" spending.

Theoretically can't they just increase the price after a year?

Correct me if I’m wrong but didn’t Cap1 just add Virgin?

Does booking hotels through Capital One Travel qualify you got nights toward status? 🦷

How do you get approved for Venture X though 😭

Whats the new venture x welcome bonus???

⛽⛽⛽🚗🚗🚗 I live 5 miles from work and drive a Civic so not much to complain about here! Still got that Custom Cash on desk to rotate back in after hitting spend on CSP for that 80k! Cheers Sebby! 🔥🔥🔥

One thing that you forgot to mention is that the customer service, and the general service of American Express is light years ahead of capital one. I’m a customer of both companies, and I have had a spectacular time literally every time I have tried to get in touch with the rep at American express, there is the customer service representatives in capital one or typical clueless, or they have no suggestions to help!

Por Que No Los Dos?

🦷 I’m keeping my Platinum which has worked well for me. I don’t have enough mental bandwidth to add a new point system to my stable, and I’m too lazy junk my current AmEx points to start a new points system.

In my experience the covx price alert worked great. Even got a refund later

The Venture X would be a strong card for me if it just had better lounge access. I've flown abroad at least 20 times or more now, and have never been through any of the 3 airports they are opening in. I also absolutely love ANA as a transfer partner, because they have the best Japan and Australia deals usually. I will say though, I'll probably wind up getting a venture X simply since it pays itself off.

@KemAlimole

Жыл бұрын

It has priority pass and plaza premium.

@nathanacreman632

Жыл бұрын

@@KemAlimole I’m aware, but neither plaza premium or priority pass are that special with the exception of lounges located outside the US unfortunately

Is venture x worth burning a 5/24 slot?

Regarding care rental protection, the Platinum card does have it, but it's secondary which means if you are renting in the USA and Canada have car insurance it will be secondary. However, outside the USA it means the coverage on the Platinum card is almost always primary as most personal car insurance does not provide coverage outside the USA and Canada.

The Venture X bonus is down to 75,000 now, but you just need $4000 over 3 months to get that, so that may be more doable for many.

🦷🦷 Great video, I personally also prefer the platinum

Sebby what about. Discover mile for a travel card if you can’t get chase or capital x or Amex Platinum

MMMM I will go Cap1 because I can cover the fee easily. I only travel 2x per year so the lounge is not a big deal for me.... 🦷🦷🦷🦷

just visited Capital One lounge at DFW. Very nice lounge at least on par if not better than Centurion lounge. Just don't know how long it will last before it gets super crowded...

@VincentPascual

Жыл бұрын

Currently, even people who don’t have Venture X, Venture, or Spark Miles can get into the C1 lounge. But they would have to pay $65.

I live in DC and the amex lounge is usually soo crowded

🦷 What's the name of the restaurant at the end?