The quality here is amazing man! Maybe I missed it on your channel page, but do you have other experience here on KZread because it definitely looks like you do! Awesome review of the Venture X too - definitely a great card that my fiancé has in our credit card setup

@BirchFinance

8 ай бұрын

Hey Dan, appreciate the kind words! I have zero other experience on YT. I just try to make the videos so that I, personally, don’t get bored during the editing. Glad it seems to resonate with a few other folks. Thanks for dropping in! Oh, and sounds like your fiancé has a smart set up!

I have to say, I have seen a ton of these videos on venture x, I like yours alot. It's not quick, good pace, alot of visuals. Easy to remember all the perks because it's etched in my memory now. Thanks for your breakdown

@BirchFinance

8 ай бұрын

Awesome. Thanks for the feedback and glad you found it helpful! Best of luck on your credit card selection!

To be perfectly honest, this is the best credit card review video I've ever watched!! Amazing quality and content!! I just subscribed, and I hope you're able to do more of these amazing videos. Fantastic job sir!!!!

@BirchFinance

8 ай бұрын

Hey Mike, thanks for taking the time to let me know it was helpful! It's much appreciated! I have a bunch more reviews in the queue. Then next one out will be a Marriott Bonvoy points (non-credit card) review, then back to credit cards after that! It's great to have you on the team!!! 👊

Good review! Thank you!

@BirchFinance

7 ай бұрын

Thanks for the note, Haleigh! Glad you liked it 🙂

Good job!!!!! Please keep the videos coming.

@BirchFinance

8 ай бұрын

Thank you; and will do! Also, love the enthusiasm!!! 💥💥💥

Nice review, I really like how you format your review. I just received the capital one venture card in the mail today.

@BirchFinance

8 ай бұрын

Thanks for the note, and glad you liked it! Congrats on receiving the venture card - just in time for the holiday season. Hit that spending threshold and you'll be on your way to booking a vacation!

Awesome breakdown! Really helpful info

@BirchFinance

8 ай бұрын

Glad you found it helpful; thanks for letting me know! 👍

This was one of the greatest videos I've evers saw and very informative, thank you.

@BirchFinance

8 ай бұрын

Awesome man, I appreciate it! Glad you found some value in it 🙏

Nice video it was funny and interesting. I subscribed🎉

@BirchFinance

8 ай бұрын

Glad you enjoyed it; thanks for the support! 🙏

The Venture X is pretty much a no brainer if you can take advantage of those credits. My wife and I love it! Great review. By the way I loved your style and love how you kept this video interesting. Looking forward to watching your channel grow!

@BirchFinance

8 ай бұрын

Hey Ethan, glad you found value in the video, and thanks dropping in to let me know! Enjoy the card and keep squeezing every drop of value out of it! 👍

Loved your video, so informative and entertaining. I am “redesigning” my credit card game, starting with paying off my debt and those videos are sooo helpful. Thank you!

@BirchFinance

8 ай бұрын

Glad you liked it, and thanks for the feedback! I've always treated credit cards like debit cards and pay them off fully each month - just a system that works for me. Great job working to be become debt free!!

@lolam4671

8 ай бұрын

@@BirchFinance yes, I’ve kinda ignored this for way too long paying minimum payment each month and not looking at it as if this problem doesn’t exist, but it does and bites you on your butt. But not anymore, 2024 will be my debt-free year. Credit cards are not evil, they are just a tool, it is all about mindset, thanks to youtube and bloggers like yourself!

@BirchFinance

8 ай бұрын

100% ! Getting out of debt is a marathon and not a sprint. Put together a simple plan that is easily repeatable and then...this is the hard part...stick to it 🙂. 2024 is your year - you got this!

Great video!! ✨

@BirchFinance

8 ай бұрын

Thanks so much Maria! Glad you liked it! 🙂

Great review thank you. Could you do Amex and Reserve next, trying to way my options. I travel out of Denver, Colorado Springs and Minneapolis once a month. Been enjoying and loving my Amex platinum. Just researching if it's a keep for the long haul.

@BirchFinance

7 ай бұрын

Thanks so much for dropping in the note. Really helps me to understand the audience! Your timing is impeccable - I'm wrapping up the editing for the AMEX as we speak, but sounds like you've already pulled the trigger on it so I hope you still find value regardless. A video of the CSR is in the works! Save travels. The PGA lounge in Minneapolis is pretty unique!

Can you do videos on American express and chase cards? Your videos are very informative and helpful. Can’t wait for more.

@BirchFinance

8 ай бұрын

Ask and ye shall receive….working on it 👍 Thanks for the feedback, and glad you find the videos helpful!

Great video and fantastic visuals! Sadly CO is taking away Hertz Presidential circle ending dec 2024

@BirchFinance

7 ай бұрын

Hey there! Really appreciate you dropping the kind note and also providing a helpful update! Twofer! Thats a bummer about the presidential circle. Hopefully that perk is replaced by something of equal value. Certainly don’t like seeing credit cards eliminate perks that some people initially signed up for.

Capital ones lounges are 10/10 👌🏼

@BirchFinance

3 ай бұрын

Yeah? As much as I’ve traveled I still haven’t visited one. Good to hear!

Some additional noteworthy things: 1. The travel portal has always been more expensive for me when looking at flights but hotels seems to be competitively priced 2. Global entry includes tsa precheck 3. There’s no restaurant perks for the priority pass when you have it through the Venture X, unlike Chase sapphire reserve that supplies a $28 credit to certain airport restaurants on each travel day. 4. This is more specific but with the update to the $300 credit you can no longer easily get reimbursed for purchases made using your credit because it’s applied before checkout. This is a pain point for me as I fly at least twice a year and get reimbursed from my job for the cost.

@BirchFinance

8 ай бұрын

Thanks for the added details! I've found the portal to be hit or miss in terms of competitive pricing. Even if its a touch more expensive, I might still just use points to keep the real cash in my pocket. Restaurant discounts were definitely a nice perk when I had the Chase Sapphire Reserve! Agreed, the change to a $300 "discount" is a bummer. I've found that over time, new credit cards start off with great perks and then begin to dial them back once they have a strong customer base.

@alexguild

7 ай бұрын

@@BirchFinance Capital One also has Price match---As long as it is the exact same airline/dates/flight they will match the cheaper booking. This goes for Hotels and rental care as well.

@BirchFinance

7 ай бұрын

@@alexguild Great call, Alex. I. have yet to use the price match option, but hopefully they make it pretty easy to use. Thanks for the note!

Hopefully a Capital One lounge is planned for Atlanta, that would be great!!

@BirchFinance

8 ай бұрын

Fingers crossed! 🤞ATL is so busy, it would be a great perk for card holders!

Awesome informative video! Is the Capital One 1 per 6 rule only includes 6 months between two application approvals? What if someone’s application was denied previously? Do they have to wait 6 months after the denial? Do Capital One transfer partners favor international flights more than domestic?

@BirchFinance

8 ай бұрын

Glad you found it helpful! The 1 per 6 rule applies to applications regardless if you are accepted or denied. So, if denied you sill have to wait out the remainder of the 6 months before reapplying for ANY Capital One card. If you apply twice withing the same 6 month window, the 2nd application won't be processed. Hope that clarifies things - I should have been more clear in the video!

@VanguardX

8 ай бұрын

The 6 month rule is not true at all. I applied for savor one in July- approved. Applied for Venture X in August- Denied because of "recent" application. Applied for Venture X mid november again and got approved.

@BirchFinance

8 ай бұрын

@@VanguardX Interesting. Thanks for sharing. Your experience is contrary to what I’ve read, but glad it worked out for you! 👍

I’d say a more accurate cost of lounge access is like 10 dollars because good luck finding a lounge that isn’t packed and not letting people in while you’re in the US. I’ve been to a few outside the US and it’s hit or miss. I got a couple sodas and a sandwich. So if I do that twice, maybe MAYBE it’s worth like 15 dollars. But 120 is insane. Not every single person goes to the airport ready to have a full meal. Most people im sure are coming either fed or getting a snack while they wait. I think this heavily skews the value you’re getting at the end.

@BirchFinance

8 ай бұрын

Bummer that you're encountering lounges that are super crowded, certainly takes the joy out of the perk. Which airport? We can't forget that there is also an entry fee that gets waived that is not included in the $120 valuation. The good news is even if we drop the lounge valuation to $0, we still (BARELY) come out ahead with the $300 discount + 10,000 yearly miles ($100).

Nice work! I have a score of 760+ and 10 revolving accounts, out of which 1 is a Macy's Amex card, 1 Amazon Chase card, 1 Dell's card. On February 2024 it'll be 1 year since I applied for a new card. When I checked if I am pre-approved a few days back, I got denied saying that I have too many revolving account. Any suggestions on how I can overcome this, since this year I am planing to travel a lot so really want this card.

@BirchFinance

6 ай бұрын

Thanks for the note! I really hope the card works out for you given all the travel you say you're going to do. Perhaps after the full year goes by you'll be able to successfully re-apply. CapOne has a 6 month rule, so maybe that is what the issue is. If you try to apply for a card and you it hasn't been more than six months since your last application, it could be an auto-deny.

They never have my flights I always use first class I found out paying cash works better and I can still go in lounges etc . Most credit cards just don’t meet my needs

@BirchFinance

8 ай бұрын

Bummer dude, but glad you found a work around! Cash is king.

You'd have to remove the longue access to call this conserative lol... As longue acess isn't guaranteed, if you consider the fact that your home airport/terminal or destination may not have a lounge you can access. Then you have to consider that getting in the lounge isn't a guarntee. Unless this was just a chart showing your personal value.

@BirchFinance

8 ай бұрын

You're right, that would be even more conservative of a valuation if removed altogether. I was trying to value it on the lower end, but demonstrate that there is still value to be found. Much more of an art than a science!

@whothou

8 ай бұрын

@@BirchFinance I see! Still enjoyed the video however 👍

I love my Venture X card, but lounges are few and far between. Priority Pass seems to be closing more lounges than they are opening, and there are no lounges at LAX.

@BirchFinance

8 ай бұрын

I transit through LAX semi-regularly and the fact that there are zero Priority Pass lounges always baffled me, yet San Diego has 1 and SFO has 3 🤔

@TheZombaslaya

8 ай бұрын

And you always get denied entry at them too.

@jeannine1991

8 ай бұрын

@@TheZombaslaya I’ve never had that experience

@nnnddd101010

8 ай бұрын

It is weird how some of the biggest airports don't have priority pass. LAX has none for example, ORD has an absolutely horrible one, DFW has a tiny one. Maybe lounges are getting less profitable since so many of us have access to them through credit cards now?

@nnnddd101010

8 ай бұрын

​@@jeannine1991probably varies by airport, for example at DFW which IIRC sees tons of business travelers, I've been denied at BOTH the priority pass lounge and capitol one lounge (the priority pass lounge there is tiny so I expected that)

Time is 3.45 am and I m in Vegas ! Just got approved for venture x with $50,000. Bad thing is my credit went 845 to 835. I m from Sri Lanka and I love the lounge access when you fly 30 hrs .

@BirchFinance

8 ай бұрын

So clutch for long travel days. Best of luck in Vegas. Always split aces and 8s! 🃏

I’ve heard that if you don’t book direct with airline that you loose a lot of flexibility, especially if there’s problems with the flight. Is this true with travels card such as the VX or Amex Platinum?

@BirchFinance

4 ай бұрын

I can’t speak to AMEX, but I have encountered problems changing flights with VX. The tradeoff for the good deal/points is a slight loss of flexibility. Flights can still be cancelled and changed, it’s just more cumbersome than when booking directly with the airline.

Just got approved tonight! I got greedy and applied for the Boundless card right after and I’m stuck in review. I have never done business with Chase before so I’m guessing that’s normal?

@BirchFinance

4 ай бұрын

Congrats on the approval! I wonder if the hangup was due to the back to back credit checks. Since Cap One and Chase are different banks, in theory, I think you should be good. I hope it gets sorted out soon!

Hi, how are cruise lines calculated in terms of points? Thanks

@BirchFinance

6 ай бұрын

When booking a cruise, you'll earn 2 miles per dollar. Then once on the cruise, it defaults to the normal spending categories. Not bad!

Please do AMEX Platinum

@BirchFinance

8 ай бұрын

It's in the queue!

Do restaurants and spas/relax work with Venture X’s priority pass? I heard they removed it earlier this year but it’s back possibly? This card seems like it has everything I’m looking for but losing that perk would be a big blow.

@BirchFinance

8 ай бұрын

Unfortunately, the "non-lounge experiences" were removed from the Venture X's benefits. I agree, super bummer. It was nice to have the option to eat at a restaurant and receive $26 (or $52 with guest) off the bill.

I hear Venture X is taking away lounge access for Capital One Lounges and Plaza Premiums starting Jan 1st 2025. What about Priority Pass lounges? I'm a little confused - is there lounge access at all for Venture X cardholders starting 2025?

@BirchFinance

7 ай бұрын

Good question, but luckily you are just slightly off. The Venture X will still provide access to lounges; however the Cap One Venture Rewards and Spark will NOT come with lounge access. Near miss! Cap One is trying to roll out their own lounges, but it has been a slow process.

Global Entry includes TSA Precheck

@BirchFinance

8 ай бұрын

Classic two-fer! Great call, that detail slipped by me 🙏

@lilianamontoya2287

7 ай бұрын

Authorized users can get the global entry?

@BirchFinance

7 ай бұрын

Sure can! Venture X will reimburse the fee after you apply. @@lilianamontoya2287

Won't you recoup most of the $395 annual fee by traveling just once a year if the ticket price is more than $300 (which it will well be) which is the annual credit amount?

@BirchFinance

5 ай бұрын

Hey, your question totally slipped through the cracks - sorry for the delay! Absolutely, if you use the $300 travel credit/discount, you'll be well on your way to recovering the annual fee! 💰

Please do not encourage large groups of people to try to use the lounge, they will be waiting a very long time.

@BirchFinance

8 ай бұрын

Absolutely. Just a weak attempt at humor to underscore one of the credit card perks. Lets keep the lounges uncrowded!

If your home airport has capital one lounge, run for this card. If your home airport is Atlanta, AVOID this!!!

@BirchFinance

8 ай бұрын

I have not yet been in a proper Capital One lounge, glad to hear it’s nice! 🥇

@FJBandFkMAGA

8 ай бұрын

I chose this card because my main international airport (IAD) has a Cap1 lounge. Such a sweet perk before my flight.

@BirchFinance

8 ай бұрын

Good call! And glad to hear the IAD lounge is nice, I'll be sure to check it out next time I'm in town. @@FJBandFkMAGA

@vernongomes

7 ай бұрын

Maybe someday, right? Capital One, when :(

@BirchFinance

7 ай бұрын

Make it happen, Capital One @@vernongomes

Is the capital one venture worth it?

@BirchFinance

8 ай бұрын

It's definitely worth it for me, but everybody's situation is different. Depends on how much you travel and your travel preferences. Do you fly more than twice per year?

But are they first class seats

@BirchFinance

8 ай бұрын

I've seen some in the past

I thought the 10000 anniversary expires?

@BirchFinance

8 ай бұрын

Good news: They do not expire! It's just the $300 travel discount that comes and goes each year if it is not used.