💳 Sebby's Card Picks: www.asksebby.com/credit-cards

@vsprray

Жыл бұрын

you should do some content on credit card end game. I started churning in 2012 and have had almost every card from sapphire reserve, 5 different amex platinums, venture x, citi prestige, starwood cards, etc. now ive reduced my cards down to 1 premium (venture x) and a bunch of downgraded no annual fee cards (freedom, amex everyday, citi double). not much churning nowadays except to reapply for sapphire / citi cards every 2 years or so when the bonuses re-activate. what do you do at the end of your credit card journey?

@td4812

4 ай бұрын

utuber, share your knowledge and get referrals

All I gotta say is that Ask Sebby is the GOAT of the credit card world!

I applied for and got approved for my VENTURE X card yesterday. I have a Credit Scores in the 800s, I never carry a balance on any of my cards for more than a few days, and my income is roughly $195K annually. I have a Delta Amex Reserve, Amex Platinum, Alaska Airlines Visa, Barclays Mastercard, and a Visa through my bank (USAA). I was approved with no issues at all.

One note I'd add at 10:08 is that the capital one travel portal has price match, unlike the chase portal. I've used it several times and it's a great way to avoid the extra fees (one of the main reasons people want to avoid portals in the first place) while still getting the multipliers. Imo this makes the C1 portal way better than Chase's. Thank you for the great content!

@brandonliu6520

Жыл бұрын

How easy was it to use the price match?

@bagelmankevin

Жыл бұрын

@@brandonliu6520 can be easily done in a 5 min call with a customer service rep.

@AskSebby

Жыл бұрын

Thank you for the insight!

@slappers123

Жыл бұрын

@@brandonliu6520 10 minute call for me. Super easy

@brandonliu6520

Жыл бұрын

Nice feature, another reason to wish I had gotten approved… 🥲

I just took your advice and got approved. I never carry a balance, but on the application I simply put that I always carry balance.

applied and got approved with your link! thanks for all you do seb 🎉

I’ve had the card for 3 months now and have loved it. It worked out pretty nicely because I’ve had 3 connections in DFW in that span. Such an amazing lounge, probably my favorite in the states. Denver’s opening in March, hopefully IAD by end of q2. I’ve booked twice through the portal and requested price matches both times, it was quick and painless, great CS experience so far. Only thing is I am still waiting for my travel credit 3 weeks later. C1 says it can take up to 2 billing cycles but lots of reports of people having issues with the credit.

@MichaelMcNeeley

Жыл бұрын

Fwiw, I booked last week and my travel credit appeared today, about 6 days later. Hopefully they can get these coming faster for everyone.

@slappers123

Жыл бұрын

@@MichaelMcNeeley I have heard of a lot of people getting there’s within a week as well! Seems like it’s either end of the spectrum, ie right away, or 2 full billing cycles.

I have venture X and savor card. It’s such a good set up. With this set up, I’m able to go on vacation twice a year !

The Venture X has been amazing for me, and definitely an amazing card and deserving of card of the year.

Thank you so much for this video! Liked and subscribed!

Second try and approved! Love the card so far. Hope your referral worked. I also want to do add this. You mentioned that C1 is giving you $5 to keep the card on 4:57. But I think you are also earning 10x points when redeeming $300 travel credit through the portal. If we also include that, you are earning 3000 points which makes $30 which bring the total to $35 instead of $5. But regardless, it is a keeper card for sure! Thanks Sebby🙂

Data point 22 personal cards when applied Had a old capital one quicksilver rarely used Also had a capital one bank account for three years Approved with 820 score November 21

Thanks for the info! I watched before applying and got approved. My credit score is excellent and I have strong income, but I do carry balances over month to month so I think I fit the customer bracket you were talking about. I haven’t opened a card in the past few years.

Awesome video man! Thank you so much 💯

I am in my first year with X and love it so far. Got to use those points for a trip and used the capital one lounge in Dallas which was amazing

@AskSebby

Жыл бұрын

Glad you enjoyed it :)

Thanks for the information. I'm going to apply for this card in few months.

Thanks for covering the capital one venture x card! I was curious about the perks.

🧼🧼🧼 this was a very informative video Sebby! Capital One has never peaked my interest even in the beginning of my cc game. I've watched alot of videos on the Venture X cc; and although it's an amazing card it's not one I'm going to pick up (right now and/or ever). I'm in the AMEX eco currently running up my gold card points and going to get the platinum soon. Luckily, my cousin will be an authorized user (military) so that'll wave all my fee's. Since my gf is rebuilding/establishing credit I'm going to educate her on the Capital One ecosystem and maybe run a 2 player game in the future to maximize her travel points. Thanks again for dropping all the gems I look forward to more videos.

I just got my Venture X a couple of weeks ago as my 11th card. Last card I opened was back in Aug 22. For me, this card is the most affordable way to get into the premium travel card space without dealing with the headaches of having a Platinum card while being a better value proposition than the CSR.

@AskSebby

Жыл бұрын

Thanks for the data point!

I think a good video to cover, especially for people who have never seen this side of the travel/rewards world, would be to show them the credit card game. What’s a good starter (chase) or what’s a good end game (amex) and everything in between. Never seen a video like that covering all the different set ups and when they’re ideal on your rewards journey.

@Angelinesekle

Жыл бұрын

He has a video like this already in his channel. Search Amex trifecta or chase trifecta or Citi trifecta. A lot of other KZreadrs have done this as well

I am 2 years into the credit card game at 20. I currently have 4 cards and plan to get the savor one this year. Prioritize capital one as I like the savor one+venture x combo. Will get the venture x after the savor one as I am someone early in the game.

Love the thought process!

@AskSebby

Жыл бұрын

Thanks :)

Great point about the approval odds!

DP, I applied for this card in Oct 2022 but was denied, but applied for the Venture the same day and was approved. Fast forward February 2023, applied and was approved for the X. P2 already have the X and loves it, and by comparing to other premium cards, the X keeps it simple and will actually pays you back just to keep it. Win win in my book and a keeper!

Great video. Love the Venture X card!

this made me decide to stop waiting and just got approved! had 8 cards with 3 in the last 2 years and some balance.

Great video as always, but one thing I would add is that Capital One doesn't let you upgrade or downgrade as freely as other issuers. There usually has to be an offer for an upgrade or downgrade on your account before they'll let you change to a different card, so there's still a risk of having to cancel.

Thanks Shelby for this video. I understand this video much better because you r speech is slower than other videos. I may be a minority demographic but keep in mind there are people in their 60s like myself who are watching your very valuable presentation. Also, I called capital one 2 days ago and the rep told me I can have up to 10 authorized users on Venture x card! I will call again to verify. Much blessings

Thanks for the video, went applied and got approved for the card after watching this video

Data point: bought a new car November 2022 Opened Savor one November 2022 Applied for venture x February 2022 (showed pre approval for all cards) approved for 15,000 credit score was 687 at time of approval now at 6/24 TransUnion 3/24 Experian 3/24 equifax

My advise is to keep trying the pre-approval tool. Once you’re pre-approved for the venture card, you will most likely be approved for the Venture X

🌴 love learning the points game from you!

@AskSebby

Жыл бұрын

Glad you enjoy it!

Data point Approved dec 2022 w/ 30k limit 5 personal cards Never carry balance 816 credit score Wanted the card for 2 reasons: 1 - basically free priority pass 2 - primary rental insurance

Was approved for Venture X 6 months ago. 13 open accounts but only 2 recent inquiries. 840 FICO

Yeah, tried to get my wife the venture X 3 times. A few months apart. Rejected every time. Even after calling for reconsideration. She did have three cards opened within the past two years though.

Thanks for outlining this. I've had no luck with being approved for the Citi premier. Seems that they're very inquiry sensitive.

@jeffblosil749

Жыл бұрын

Yeah, it's annoying. 😂

Capital One’s business strategy used to be sub prime. They have been working the last 10 years to Chang that. Last year was the Venture X release and then will be the launch of there concierge experience after acquiring Velocity black. They are absolutely making moves against AMEX.

Seb I’m only liking this video because you’re adding goku ssj references 😂. As soon as I complete my chase set up, I’m def moving to Venture X for sure.

Thank you 🧼

Data point: Got it 2 days ago: 30+ CCs 734 Score Last Hard Inquiry Apr 2022 2 Other CCs w/ C1 30k limit

I was traveling a lot this past year, and will definitely be traveling less in the next few years. I had the CSR for the benefits and was planning to downgrade in June after my travel credit and refund the annual fee. Is it crazy to get the capital one now to help fund some spring travel (especially for the travel credit + hertz PC)?

I just got approved last week. 9 CC with less than 5% utilization. My last card approval was 7 months ago. As well they do limit the amount of Capital One Cards some can have. 800 fico Experian

One thing is that the Citi double cash charges FX fees and the Amex BBP has a cap and isn’t a charge card. The C1 Venture and Spark are both no FX and are uncapped miles.

Hey Sebby you should talk about the new venture x premier collection. Pretty similar to the program to the amex hotel collection (just not many hotels atm)

I think I am going to get the Venture first then the X in a year or 2. Baby brother is also effectively free the first year with a Pre Check credit bigger than the AF and the same welcome bonus as the X.

Additional data point: I got denied for the VentureX on 03/2023 for too many open revolving accounts. I have 6 cards including the VentureOne (my oldest open card). Opened 3 cards over the last two years. Will go for a second Chase card this year instead, and try for the VentureX next year!

Got denied also for the same thing. There was a sweet spot when folks like us were getting approved. My mistake was thinking CAP1 was changing the profile for this card, so I put off appying untillit was too late. I think they hit the number of applicants for people with many cards or many credit lines. Awesome cameo Mandy👊

@AskSebby

Жыл бұрын

Same, was hoping they'd change the profile for the card as well :(

@ayman.ibrahim

Жыл бұрын

What do you mean by the card's profile?

@jeffblosil749

Жыл бұрын

Totally should have jumped on the bandwagon and now I just get denied.

@lewis20002000

Жыл бұрын

@@ayman.ibrahim Instead of focusing on sub prime customers, I figured(hoped) that the VentureX was for people with for transaction fees and cross selling, as Sebby mentioned about Chase and Amex.

@lewis20002000

Жыл бұрын

@Romario D I have 30 CCs, so I would say 15 or over is a lot.

Should I get the venture one first for the sign up bonus then get the venture x after? Dont need them at this time since I am not traveling much but want maximize the sign up bonuses

Just applied for this card and got approved after seeing this video. Thanks for the link. Very easy process and no issues. Starting off with a 30K credit line. Not bad. Looking forward to the airport lounge access. I am 2 months in and have hit my bonus of 75K. So far the card has been great. I also received the travel credit and just proceed the Global Entry application for the $100 credit. So far so good. My concern is the very high rate I have of over 18 percent. So I have been paying this card off monthly. Excited to try the DFW lounge next week!

@reezyking

Жыл бұрын

What was your score, did you ever have a late payment, and did you put that you kept a balance?

@ctaylor7943

Жыл бұрын

I just got approved as well with a 30k credit limit. My score was right at 800. It dropped to 797 after inquiry. I am ok with that. It came by FEDEX 2 days later.

@kungfoochicken08

Жыл бұрын

I just got approved with 13 other cards, three other Capital One cards. My taxable income is $45k and they gave me a 15k limit 🤷

Thanks. Didn't know that authorized users can also have c1 lounge access. Unfortunately there isn't one in my home base. Would you recommend both players have this card, or just 1 player?

Card has been OK, kept it because of the zero effective annual fee, would have otherwise cancelled it. I tried to do a phone protection claim through them. The repair work was done by the same vendor that runs their insurance claims and they refused to cover it. I had the screen replaced, which they claimed was due to a manufacturers defect and not considered a repair. So even though on paper the benefits look good, they are actually garbage. That on top of no restaurants for Priority Pass any longer. I have Priority Pass through other cards, so it adds no value. Like I mentioned, only kept it around cause it didn't cost me anything.

I actually really like Capital One, I have my quicksilver and it was my best card (excluding the few times discover got me 5% 😅) and my credit wise said I should go for the savor one and I did but they’ve delayed my application. And I’ve already got 7 cards. I really hope I can get the Venture X in the somewhat near future because it would easily be my go to card for all my travel. Also, dream scenario, which I know won’t happen at least not soon but if C1 had a good card for gas or one of their existing cards got a 3% gas multiplier they’d be my got to setup by far.

@TrentonMatthews

Жыл бұрын

Besides the Citi custom cash? Can't think of any other card that would be just as good.

🧼 hey Sebby, love the channel. You mentioned you can download three parts, I already have the quicksilver. Is upgrading your card common? If so, would it include closing the Quiksilver and opening the next option up.

I have been running the venture for a couple years but I’m looking to apply to the venture x as I can definitely see the value. I would product change to the savior one though if possible as I have been reducing my outside eating. So the 4x won’t really be something I’ll using.

so in regards to downgrading from capital one X to the non-fee cards, can you do it in the opposite direction to where you "upgrade" to the capital one venture X card again?

For fun I did a pre approval on cap one. I got approved for a secured quicksilver 😂. I’ll stick with my Amex platinum.

Good day Sir Sebby & Thank You for yet another Super Informative video. Are the Capital One Venture X 2x points for groceries & “others” applicable when Overseas?

@AskSebby

10 ай бұрын

Yes

A little guidance needed if you don’t mind, I have a platinum Delta, American Express card, and I just opened a Amex aspire card and I’ve hit the bonus on that, but I’m thinking I need the American Express Gold card to complement the other two. In saying that, after watching your video, should I go for the venture X card?💪🥂🍾

Noticed the other day you can now get pre-approved for the Venture X if you go to the Venture X page. It seems to be separate than the regular Capital One pre approval

Thank you for your video. Great information. I have a question. I have the Savor Card & VentureOne. Is there any data about with of these cards being upgraded to the Venture X card or do you have to always apply separately?

@owenb8297

Жыл бұрын

Never upgrade, or you will miss out on the sign up bonus

Thanks for the video Seb! Haven’t applied for a new CC in 11 months waiting to get under 5/24 for Chase Trifecta to finally downgrade CSP. My plan after that all along has been hold out expanding relationship with Amex & Citi to get Venture X. I’ve missed out a lot of their high SUBs, but this video gave me reassurance to keep my plan!

@AskSebby

Жыл бұрын

Glad it helped! :)

Sadly my home airport lounge sucks (Pittsburgh). There is one Priority Pass one and it apparently sucks. The downside of not being in a bigger city or hub. I do have to transfer a lot through other cities which is probably where I'd get most benefit of this perk.

Just got approved for COne Venture X, thanks for the advice ! ! !

@AskSebby

Жыл бұрын

Congrats!!

I have had the original Venture card (Venture ?) for many years now. Per your advice, I plan to ask Capital One for a retention bonus. I also might be applying for the Venture X, hopefully for my trip on March 24th to Thailand. Will doing this possibly interfere with my application acceptance?

Great video. About the 300 travel flight credit....can i use it or book for my fmaily(friend)? Thx

I definitely want this card; but based on your info and what I've read elsewhere, I'm confident that I'd get declined if I applied right now. My credit score is good but everytime I've been denied a card the reason has always been "you've opened too many accounts recently" If you're a bonus hunter like me then your best bet is to go a couple years without any applications and hopefully then you'll have a decent chance at approval for this card. Already having another Capital One card seems to hurt your chances as well.

Hey Sebastian! I ended up getting the amex cards and most of the chase cards before applying for the venture x and was denied when I applied for it. Is it still possible for me to get approved for it or am I going to have a rough time? My credit score is pretty high and I have a good amount of hard inquiries.

What is interesting to me is that I’m preapproved for the venture x but not for any of the excellent credit no annual fee c1 cards. I’m only preapproved for the good credit versions of the quicksilver and savorone, as well as the vanilla platinum. Typing this in March. For reference I applied for the CFF in feb, the bilt in Jan, and the savorone in Nov of last year.

If you already have the Amex gold card and the chase trifecta (Preferred, flex and unlimited), would it be wise to get this one as well? Travel about 2 times a year, hopefully, more in the future. Wife and 2 little kids, if that matters...lol. I would appreciate any advice and feedback you can give me. Long time subscriber here...

🧼 I have a question, is it possible to make someone an authorized user if they have been essentially black listed by the issuer? And if yes, could that improve their standing with the company? Thank you.

I’ve been re-building my credit and got approved for Venture One. Hopefully one day I can move up to Venture X.

The Venture X was my very first travel card. My 3rd ever card. Now I have 6... but I'm 40. Got into this game late. Lol.

I'm at 6/24 and venture doesn't show up in pre-approval. Guess I'll wait to see what Citi does. Is hard to not go for the platinum right now just because I know or feel like I can get it whenever I want. But trying to save the platinum for the end game. I don't like being forced to book through the portal but I do like what Capital One is doing around the venture X

If get the venture rewards or venture one card, do you think I would be able to upgrade to the VentureX card?

Do you know when the DEN Capital One lounge opens up?

This is why I never apply for a new card without watching your review/deep dive first.

Instant approval today for 30k. Excellent score, but less than perfect payment history and only one active, lower limit card.

I am looking to add both the Savor One and Venture X and get rid of my two current credit cards which are a JetBlue Master Card & Amazon Prime Visa. I do have balances that need to be paid on those two cards, but have an excellent credit score to be approved now for Venture X. Also want to add the Citi Custom Cash for gas eventually as well. How long in between should I apply for these three cards?

What if you already have the Capital One Quicksilver and Venture card? Would you cancel one to get the Venture X since Capital One only allows you to have 2 cards at one time?

I didn't realize that downgrading a Savor to SavorOne wasn't a thing. Maybe I'll try getting the SavorOne! I think the Venture X is a great early game card for when it doesn't make sense to pay the Sapphire Reserve or Amex Platinum annual fees that has additional late-game potential with transfer partners like Turkish. But I currently don't see too much extra value for Plaza Premium in Asia over just Priority Pass because most of the Plaza Premium lounges in SIN accept Priority Pass and HKG now has a Sapphire lounge but no longer has the Plaza Premium arrival lounge.

Wish this video had been released 24 hours ago and would have saved me getting denied. Another thing which is crazy is that cap1 pulls information from all three credit bureaus

@Elricky124

Жыл бұрын

Yeah but they denied based on Equifax, go figure! Too many cards open in the last 24 months and too many credit/trade lines.

🧼🧼🧼 Sebb! You and Mandy are just too cute now. I have too many cards so I gotta hold up on this card. But I really want one!

I have the freedom from chase then my first card was platinum then Walmart then the metal savor. Can I use the venture like a regular one to get the benefits from my understanding I can get a hotel room

What is the best card to travel with, meaning not having problems with using in different countries?

Data point on approval odds: I was approved in 11/2021 despite never holding a balance and having 11 other cards open, although this could've been due to the fact that they were still in the initial ramp-up phase and wanted to grow the cardholder base.

@AskSebby

Жыл бұрын

Thanks for the data point!

@ThePixel-Man

Жыл бұрын

@@AskSebby personally have 3 venture x cards. Yes, 3 through upgrades and offers directly from them. I thought it was odd but the travel credits alone with the 10k bonus every year for each card alone covers the cards. 395x3=$1185, $900 credit+30k everh year is 1200. So I’m getting paid $15 to keep the card. Although, I do spend 80-100k with them a year. Amex I spend 120k-130k

@kungfoochicken08

Жыл бұрын

I was just approved last week. I have 13 other cards, including three other Capital One cards.

@lewis20002000

Жыл бұрын

@@kungfoochicken08 Have you been carrying a balance on those other CAP1 cards?

@kungfoochicken08

Жыл бұрын

@@lewis20002000 I don’t carry any balances. I’ve got two Quicksilver cards and a Spark. I run about 20k in business expenses through Spark each month.

Just got it using your link. Will utilize a free player two so we can get the entire family into a lounge. Thanks for the info!

@AskSebby

Жыл бұрын

Thank you for your support! :)

During the pandemic I feel like they were accepting easily. Now that inflation is high credit cards are tightening.

Currently have the Cap One Quicksilver, looking for an everyday use credit card that I can use for resorts and traveling. I was looking at the Delta Platinum Am Ex or the Chase Sapphire Preferred. We primarily fly American and Delta and stay at high end resorts. Any suggestions on a credit card?

@mrkitty5581

Жыл бұрын

I would stay away from co-brands until you have the premium cards like Chase.

I really want that card to pair with my savor one.

If I was to book a rental car or hotel through the Capital One Travel Portal, will they honor my status with the specific hotel or rental service company? Venture X gets Hertz Presidential status for example, would they honor that in the booking?

Great Video Seb! 🧼 I’m unsure what CC to get next? I’ve completed the chase trifecta (w the CSP) and currently am looking at this card or the AMEX gold. I travel only about once a year but the Venture X seems so much easier to use. Any thoughts?

Are you planning on reviewing wells Fargo 2 new credit cards? The autograph and Bilt?

@AskSebby

Жыл бұрын

Maybe after their fraud issues settle down. Don't want people to apply for Bilt and immediately get hit w/ fraud charges.

I have the business venture x. Love the card since it doesn't report on your personal credit score.

@DreamBigRealBig

Жыл бұрын

How did u get that. Can u refer me to ur business relationship manager Please i want that card so bad

When do the 300 travel credit resets? At the beginning of the year or at the card anniversary?

Does C1 care about credit history? Just moved from Canada to the US, not a long credit history here (roughly 6 months) but have 6 yrs history back in Canada. What are the odds of getting approved for Venture X?

I wish I had applied for the x instead of standard venture back in September lol. Gonna wait a few more months and request an upgrade

Would it be easier to get approved for the Venture X by applying for the Venture card first and then upgrading to the Venture X?

Denied 3 times. But was approved for the regular Venture card for some reason.

Do Chase Sapphire Reserve Authorized users get the same perks as the main user does? Such as lounge access like Capital One Authorized Users?

Homie legit put dbz in his video despite most probably not relating 😂 nice bro i like it 👌🏽