Capital One Venture X Review: www.asksebby.com/credit-cards/capital-one-venture-x CSR Calculator: www.asksebby.com/credit-cards/chase-sapphire-reserve-review

I love that the amex plat doesn’t even make it into the conversation anymore lmaooooo

I hard inquiried the Like Button because you’re comparing travel cards while traveling 😎👊✈️

I went to the capital one lounge in DFW earlier this week. It was very impressive. Nice having it so close to the Centurion lounge. There were probably 10 people there on a Tuesday morning. Loved the coffee selections and grab and go area.

@AskSebby

2 жыл бұрын

nice! can’t wait to check it out

@gerardoaguilera8307

2 жыл бұрын

How does the food work? Are the prices posted somewhere? Can you go in at any time? I have a 12 hour layover there.

@lukesky1998

2 жыл бұрын

Gerardo Aguilera i believe for venture X card members they are free. Like food and bev. Venture one and savor have to pay. But u can get free access inside if not busy.

@kevinonthank

2 жыл бұрын

Awesome, great to know. I’ll have to check it out in DFW. I Really glad you had a positive experience as I just got approved for the Venture X. The simplicity of the Venture cards is awesome along with different redemption options.

@kunalmishra9463

2 жыл бұрын

It's the nicest airport lounge I've ever been in. Loved the design and also food options were actually legitimately competitive w/ a priority pass restaurant (if given the option between a priority pass restaurant and any actual lounge, I would choose the former... with this notable exception). So nice that it'd honestly be a reasonable tiebreaker to file w/ American through DFW rather than United through IAH for a connection, all else being equal (i.e. flight pricing, status).

Because of your video I went ahead and applied for the Venture X card using your affiliate link and got instantly approved with a $30,000 credit line! I also have the CSR since 2016. Keep up the great work on the videos.

@AskSebby

2 жыл бұрын

congrats! and thank you for your support 🙏

So thankful for channel like yours!! Please keep up the amazing work!!

This answered the question I asked in response to your last video perfectly. Thanks!

It was great to meet you at at the Aria in Vegas. It was funny when I had to bring up one of your videos to match your face to yours at the table. Always great content in your videos and so professionally done.

I have been searching this exact comparison!

@AskSebby

2 жыл бұрын

Hope the video helps! :)

@pharmerjake6779

2 жыл бұрын

@@AskSebby If I am only flying domestic, can I use points to purchase flights without transferring?

I usually watch almost all KZread videos in 1.5-1.75 speed. I watched this one at 1x lol. Been waiting for this one Sebby. Good stuff!

@JohnnyJitsu11

2 жыл бұрын

How do you??

Definitely appreciate these videos. They’re very informative and helpful.

Regardless of the benefits and earning/redemption rate, the Venture X is the only premium travel card out there that pays you to hold their card year after year and gives PP to four of your siblings at no charge. A game changer card.

@JC-rp6sp

Жыл бұрын

But the way you spend the $300 is limited to the capital one portal. Chase sapphire reserve is very open. You can book AirBnB on the sapphire reserve and they’ll pay you back

@williamsmith3349

11 ай бұрын

But you pay a premium annual fee of $250 for it @@JC-rp6sp

That was an excellent comparison. I feel like I understand the benefits of the cards so much better and I've made my decision because it's free to add users onto my Capital One card and they have free lounge access, where Chase doesn't offer that benefit.

This is exactly the video I was waiting for!

The Venture X LOST ME at travel portal. I just don’t hate myself enough to deal with any travel portal anymore. Too much of a headache when things needs to be changed or when flights get cancelled.

I have venture card now for 7 years and i'm thinking to upgrade to venture X with all benefits. Thank you Sebby

Hey Sebby, been a viewer for years, and you've always been my favorite creator in this area. If you're looking at comments, I come with a video request/suggestion: "Best consistent redemption options for Amex/Chase". I've watched hundreds of videos (from all creators) showing "Book Business class to London for 40k with $5 fee only, etc", but in 3 years of frequent traveling I've never found something quite like that, and I look every time. But, for example, during those years, I've transferred ~400k~ UR to high end Hyatt resorts and always had simple use with a high cpp rate. I want to know, what are "Hyatt"s are out there, that are consistently available that I'm missing out on.

Great video I'm considering the capital one card

Just wanted to say thanks for all your videos! I asked your opinion on the venture x vs CSR a couple months ago, you kindly replied to my comment. I ended up getting the venture x a couple of days ago and used your link, so I hope you get the credits. Thanks again!!!

@AskSebby

Жыл бұрын

Thank you for your support! :)

I feel like u read my credit card suggestion and made this video lol thanks for the info.

Nice overview! Unfortunately I'm still within my 4 years of having a sapphire card so the choice was easy! Also on cellphone protection, the no AF Freedom Flex comes with it too!

i have the preferred. I already have a venture and got the invitation to upgrade with a nice bonus without getting another inquiry so it was the perfect situation

For my usage & lifestyle, capital one x over amex plats & CSR. Just more simple. Less games to play to justify fees. Latest round of credits don’t really justify yearly membership fee increases for me.

I hope the Venture X puts pressure on Chase for the CSR. At the $450 AF with a $300 travel credit, it was a no brainer. However at $550 and Doordash credit and Lyft Pink not continuing into 2022, it is a tough sell.

@RatchetHCO

2 жыл бұрын

Not to mention Lyft Pink isn't even avaliable for those who've used the benefit before ( existing users) meaning its worthless lmao

@quentinm.williams9

2 жыл бұрын

I thought the Venture X had an annual fee of $395.

@JasonKis

2 жыл бұрын

@@quentinm.williams9 it is! The commenter was referring to the Chase card not the venture X. The chase card used to be $450 but now it’s $550 per year

@robby95036

2 жыл бұрын

Whenever i check lyft and uber in my area the uber is usually 20-30% cheaper so lyft credit is useless to me.

@tylerdracing

Жыл бұрын

The $15/mo Instacart credit is $180/yr if you use it, and that got me over the bump to get the CSR

Love the content

I also have both CSR and now have the venture X. I can see myself keeping the venture X long term but the verdict is still out on the CSR. I’ve been using Lyft pink mainly to get free grub hub deliveries which pairs well with my Amex gold but that doesn’t justify the $250 affective annual fee. Also I just booked a hotel with the Capitol one portal and it was MUCH smoother than using the chase travel portal. The flight portal is familiar since I used hopper in the past. Also the price drop protection for flights is a nice pro. I don’t have much experience with customer service yet but the few times I’ve had to call they have been great.

great video!

Hey Sebby, great video. Are you planning to create a video to assess which CC will be best from a benefits perspective for different use cases. E.g. for car rental - would CSR be best considering primary coverage or for air travel - would Amex Bonvoy be best considering life, trip delay and baggage coverage? I do that assessment when I travel which adds a lot of value to a card especially while traveling.

I'm so excited about my new VX card. I never thought I'll be this excited over a CC.

Really random, but I can recognize a Cosmopolitan room from any angle! 😅

I think the big question remains is how good is the Capital One Portal. If it’s at a cost parity to the cash price, this would be the preferred card for the casual traveler. They are basically paying you to travel. If Capital One didn’t hate me so much, I would apply for myself and p2 while the bonus is so sweet.

Great comparison! I’m still waiting to see how people are liking the Venture X before going for it. My hope is that, if nothing else, the added competition will make Chase and AMEX want to up their game even more. Thanks for the great video Sebby!

@justSTUMBLEDupon

2 жыл бұрын

True That capital one venture X is looking pretty good. And competition usually creates more benefits for us down the road.

@similienr

2 жыл бұрын

But capital portal really sucks at the moment

@Xyrutano

2 жыл бұрын

The Porter is honestly not that bad

Great vid

Long term obvious choice is Venture X since they pay you to have it (similar to SW Priority and many hotel cards).

Long term I would keep the Venture X and replace the CSR with a CSP for points transfers and protections.

@piscesabhishek

2 жыл бұрын

Agree, this looks like the best game plan to me as well

@Nojistic

2 жыл бұрын

Can I downgrade my CSR to CSP if I use to have a CSP that I downgraded to Chase Freedom already?

@aristocats11235

2 жыл бұрын

The venture x basically has all the protections of the CSP though, correct?

@Tuzumaki

2 жыл бұрын

Only reason to get the CSR once chase expands their sapphire lounge network

@akshaygi

2 жыл бұрын

@J M keeping venture x would mean using on the capitol one’s portal for all travel needs. Are you fine with that?

So I started with Chase Freedom card like 7-8 years ago as my starter card to build credit. I’ve built my credit up and since Covid started to spend money on home office, and Chase has pre approved me for the Chase Sapphire Reserve so I’m considering taking advantage of that, as I will be moving later this year so I would actually use the spend limit in 1st/3mo for point bonus. Very interested in learn more about credit cards and how to build credit but also how to use them in a way where they pay me back.

Hahahaha! “Expecting to get robbed at some point!” … I’m cracking up!

Ok so I don’t wanna jinx myself but I upgraded from venture to the venture X. I did not get the upgrade bonus 100,000 miles however they did not change my annual fee ($95).

I went for the Venture X. It just seems simpler to me and the value is a no brainer. I don't travel enough to do the multiple card strategy and was just looking for a well balanced option that would capitalize on my work travel (mainly hotels and rental cars).

@kevinonthank

2 жыл бұрын

Same here as well. I went for the Venture X just bc it’s easy to use , straight forward and I don’t travel enough to have a multiplier card. 👍

@mjsabie8517

2 жыл бұрын

@@kevinonthank I agree. I only fly 4-5 times a year for work but rent cars and stay in hotels a couple of times per month. Most of my travel is more regional than National per international.

@CLGilbert

2 жыл бұрын

I plan on getting VX but make no mistake, 2-3 trips is enough for CSR to be a bigger cost save. Especially domestic with those airline partners.

Super torn between the two. Chase has great transfer partners but Capital one's fees plus other perks make up for it. I already have Savor and CS with Capital One has been a breeze. I see plenty of negative ones on Chase. I think I need someone to toss a coin for me since I might do the Savor piggy back with Venture X

One of my biggest concerns will be seeing how the Capital One customer service/travel portal will be. Only time will tell, but for a premium card, they definitely need to step up their game! As for the CSR, I can't justify it, especially with the Amex Platinum in my wallet!

@tonywong303

2 жыл бұрын

So you are basically saying you don’t like Capital One and you can’t tell whether you like the Chase card or not…. Okay then ?

@athlon9394

2 жыл бұрын

Capital one portal sort of sucks. Problem is that it doesn’t list additional packages/options when booking a flight or hotel.

@antonh1709

2 жыл бұрын

I use CSR for United mileage, which I tend to use on Air Canada. On AC, United miles are often much better than Aeroplan.

Which one would you say is better to spend money overseas? The bonus points through the portals are great, but I was looking at the chase portal (as I already have the freedom one) and the portal prices of flights and accommodation overseas in europe for example, is WAAYYY more expensive! it kinda makes the portal ridiculous unless you're travelling domestic (which I don't plan on doing this year).

I have the chase preferred and am looking at keeping preferred and getting venture x. I like the chase because of the dining points.

Great review as i look to upgrade from CSP to either CSR or venture X. I’m curious if anyone out there is using the chase trifecta and has a Venture X card. I’m still in the research mode. Thank you for the great content

For long term it would be the CSR for me solely because I live in a delta hub and frequently transfer points to Virgin Atlantic to book delta award flights since delta skymiles typically aren't worth much. I was able to book direct flight to Hawaii from MSP for 45000 Virgin Atlantic points rather than the cash price of 1000+ dollars

@IdeaMusicKen

2 жыл бұрын

You just taught me something here

@SonnyChanhvongsak

2 жыл бұрын

@@IdeaMusicKen Anytime, it's so much nicer booking Delta flights through VA because VA has a fixed award chart. So I think in theory the most you could pay for a flight is 50k which would probably be cross country. Dont know about business class tho

@IdeaMusicKen

2 жыл бұрын

@@SonnyChanhvongsak wow thanks a lot.

@dr.figvideos3303

2 жыл бұрын

I’d like to see a video on how to book Delta flights with points using Virgin Atlantic…and other similar partner arrangements.

@SonnyChanhvongsak

2 жыл бұрын

@@dr.figvideos3303 For VA there is nothing to it. Just plug in your destination and select flexible dates and paying with points. You'll see a calendar with the award availability depending on what dates you choose, and you'll notice under some flights it'll say operated by delta

I just got my CSR a couple of months ago so I'll probably keep it for a year then downgrade to the CSP then get the Venture X. If they opened a Venture lounge in Seattle then that would make it a no brainer for me but for now I'll wait.

personnally living in the EU that 2X on every purchase (venture x) is huge

Capital One getting better and better. Amex coupon book approach may be too much for some. Let the migration to Venture X begin...

I share your appreciation of Hyatt points, but don't want to commit fully to the Chase system at this point, when I'm less than a year into Amex Gold and Platinum. So I use the platinum for its benefits and multiples, the gold for groceries (easily $1000 a month) and the Chase World of Hyatt Visa for everything else - Amazon, utilities, PayPal transactions, etc. I can easily get 2-2.5 cpp at the places I usually book.

Will be going for the Us bank altitude reserve and capital one venture x

8:20 Oh speaking of Apple Care+, I broke the screen of my last iPhone within the first month of use, so I decided to buy Apple Care+ when I bought my iPhone 12 Pro Max last year. Well well well... I have dropped my new phone countless times since then and the screen just refuses to crack. Lol

Hahaha soft inquiry 🤣🤣 you sold me there

I do not have either but even with $150 more for CSR makes more sense as they do not force you to use their portal which may always have higher prices than any 3rd party booking service.

@mrjohncollins

2 жыл бұрын

They don’t make you use their portal? My biggest hesitation with all travel cards is the fact that using there portal cost more money than 3rd party sites so it’s hard for me to calculate if the savings are worth it, or if I’m just getting points instead of the cash I would have saved booking elsewhere. Meaning a good budget is better than any card…?

@viky109

2 жыл бұрын

@@mrjohncollinsYou are right, we both are saying the same thing but using different POV. If I book in for eg. Expedia it may cost $100/night but the bank portals may cost $120/night .

@CLGilbert

2 жыл бұрын

I don't get why you think CSR is pushing their portal less than Venture X? CSR gives you a points multiplier for using their portal. VX does not.

Thanks for posting this video! I'm looking to get the Chase Sapphire Preferred card, but from what I'm finding, the 100K welcome bonus has ended :( I contacted Chase and they said to check with friends who got the 100K offer and see if they have a referral. Do you have a referral link for the Chase Sapphire Preferred 100K welcome bonus?

Would love to see you make a video on the Amex Platinum vs VentureX 👍🏻

I disagree with Sebby’s valuation of C1 points (0.5 cpp). They can be used to book through the travel portal @ 1 cpp, and the portal’s prices are not inflated (for every trip I searched, flight and hotel prices the same as the results returned by aggregators like Google Flights)

I found out that Reps usually do that in order to help the bank that they work for than their customers. If they let everyone dwongrade or upgrade then they don't gain money from the AF

I hear the rationale for the math explained for the CSR. Stand alone it's what you say. With the Unlimited and flex included with general spending multipliers higher and redeemed with the CSR I don't see a negative.. just waiting now to position the bonus spending to a time I know it will be easy.

Does the 524 rule apply to Amex charge cards or only credit cards?

Chase is great for My family since we usually use Southwest and Hyatt.

pay a little more for the CSR...Capital One customer service is complete shit. If you have to report fraud or use their insurance, they don't have the consumers back.

In a month or so I'll be getting the venture x and downgrade the CSR when the annual fee comes due. Hard to get the value for me with traveling less.

Just got my Venture X. I tried to book on cap travel for flight to Cancun to use the $300 annual bonus. Prices are comparable to whats posted on the airline (AA) in this case but once i get to the final step to pay, the ope up says price has increased. Its happened 2 days in a row. 50 a ticket yesterday and today its up 100. Thats alot considering im buying for 6 people and eats up that $300 bonus. This is kinda shady for Cap 1. I'll just book direct with AA since I have status there.

Wells fargo is offering card switch from the platinum card to the active cash card. In the past, they would close one account&open a new account for the new card, causing loss of account history. Did they change that now with this new card?

Thanks for the video Sebby. I am considering applying for the Venture X card and one of the considerations is downgrade options that will allow me to keep the points and pay no annual fee. Through some quick Googling, I saw that the Capital One has the VentureOne card (with zero annual fee) and the card apparently has transfer partners too (15+ partners according to the VO page). Have you taken a look into this? Whether the downgrade to the VO would allow you to keep the points? And whether the transfers are maintained at the same transfer rates as the VX? If yes to both questions, I would think that this is another advantage that the VX has over the CSR. Chase doesn't have an option for you to keep your points and transfer options at zero annual fee.

@CLGilbert

2 жыл бұрын

My understanding is Venture does keep the points. But I also believe CFU can hold CSR/CSP points. You just loose the redemption multipliers.

When I got the Venture X the Capital One employee told me that I had the option to downgrade to the Venture One or QuickSilver card

Alright now Comparison with Amex Platinum. Thanks

Chase freedom flex has cell phone protection if that helps anyone.

@tezt3740

2 жыл бұрын

Yup i used it twice!

@harrisonwarner6437

2 жыл бұрын

@@tezt3740 how did the process work?

Hi Sebby, any updates on the Chase/Air Canada credit card?

I've had a Capital One Venture card for quite a while now, so I ended up following the path of your optimal strategy. I got a Chase Sapphire Preferred right before the 100,000 mile bonus ended, and earned it after the first month. I applied and got a Venture X on the first day it became available, and just downgraded my Venture to a Venture One before the annual fee hits in a couple of days. Of course I transferred my remaining points from Venture to Venture X before downgrading. Thanks Sebby for the great content!

@ayman.ibrahim

2 жыл бұрын

Did you have to transfer your miles first , don't all the miles go together as miles credit?

@bvzweig

2 жыл бұрын

@@ayman.ibrahim I did transfer the miles to Venture X first, as they are separate between each card.

@elvisjd710

2 жыл бұрын

@@bvzweig how did you do that? Is there a option on the Capital one portal? I just got approved for the venture x and want to downgrade my venture to a venture one. I don’t currently have that many miles on the my regular venture since I pretty much accumulate and use them but still would like to transfer whatever I have before downgrading. Thanks in advance!!

My game plan is downsizing Amex MR cards, to match actual travel usage, since Schwab's 1.25 cpp cut. If the rumors are true about the new Chase Business, 2.5% back on $5K+ purchases, I'm on it! Not interested in either of these cards, but I think Capital One has been underestimated.

@kevinonthank

2 жыл бұрын

I agree, I think Capital One is definitely upping their game.

@Doesitslap101

Жыл бұрын

what card does 2.5% back??

@thejokerspeaks

Жыл бұрын

@@Doesitslap101 Ink Premier

So I understand with the authorized user for both but what I also wanted to know was how does that correlate with Priority Pass? With CSR I believe you get 2 free guests does the AU get that as well? What about VX? You can get 4 AUs my assumption would be no guests would that be correct?

Great video, very easy to understand! Question: if I get both can I use the Global Entry credit for me and another person? thanks! To answer yours I already have CSR and I'm leaning towards keeping that long-term, but I plan on getting the Venture X to try out maybe it will change my mind.

@CLGilbert

2 жыл бұрын

Yes. They only see the charge. They don't care who it's for. You only get 1 refund every 4 years per card.

Can you do a deep dive on miles redemption for Venture X, transfer to partners? or a video on best way to redeem capital one miles,

What about vacation rentals ? Is there a good cashback there ?

Wanted to know what’s the best credit card for fuel???

For the venture X annual $300 travel credit, can you redeem a hotel room for someone else other than the cardholder?

I have both

So far my own math demands csR + ventureX, will re-check it every year.

@CLGilbert

2 жыл бұрын

Once you have Venture X how do you justify CSR over CSP?

Sebby, can military get cap one annual fees waived under MLA?

The Bonvoy Boundless has the intro bonus of 3 free nights, but looking around it's not even easy to find a night for 50k points or less. Whereas you could go to London and stay at a Hyatt for under 10k points. For me that makes Chase so much more valuable.

Any detailed information on how to get 2 cent or 4 cent per point value?

Does it make sense to have both CSR and Venture X?

Can you go over the travel portal. Is it prices on it overpriced compare to the direct airlines site.

What camera are you shooting with now

Can you transfer points from the Venture card to the Venture X? Or from the Savor or the Quicksilver to the Venture X?

@Mr-js9ly

2 жыл бұрын

Yes

I’m team CSP and Venture X. I will downgrade my CSR to a freedom, keep my husbands CSP and I grabbed the Venture X.

Can I transfer my CSR points and down grade to a card with no annual fee

If I have Chase points and I get the Venture card can I use both points combined?

Oh those jokes in the beginning :)

The travel insurance offerings on the cards look quite different to me, I’m not sure why you said they were equivalent. The Venture X doesn’t seem to have any trip cancelation or emergency medical/evacuation.

@CLGilbert

2 жыл бұрын

Venture X has $2,000 trip cancellation insurance.

Squad!!!

@AskSebby

2 жыл бұрын

🥉

I called Capital One trying to Product Change my QuickSilver to the Venture X but was not an option

I feel like it needs to be mentioned that you don't get status or benefits when booking hotels thru portals. That is important to folks who travel a lot and are maintain or chasing status. Also the portals are generally not as good prices as booking direct IMHO. I feel like the average consumer can get duped because of this.

“more of a normal person”. I’m actually an alien.

@AskSebby

2 жыл бұрын

🤖

What consider a high spender we spend 3k on on our navy federal flagship card ever month

Got the venture x for player 2. I got 2 Chase united instead. Haha.

I have had the CSR for a few years and was disappointed by their latest "revamp" when all their other cards got real love. So I got the VentureX and will downgrade the CSR to the Preferred (combined = same annual fee as CSR)

@JasonKis

2 жыл бұрын

Why not downgrade to a no Annual fee chase card?

Hard inquiries the like button. I still prefer keeping the CSR long term - I just product changed the CSR and it makes sense for where I live in Austin also love the downgrade option. While I am over 5/24 and working to get under in the next 6 months, I think I am going to keep with my original strategy of getting the remaining Chase cards. I don't think getting the Venture X is worth burning a 5/24 slot. Chase still has the better the travel protections and I understand the value of the Capital One Travel Portal - I just don't value that credit at face value because I don't book via portal.

Great video. Does the $300 annual travel credit apply immediately on your statement after the spend, or does it occur on anniversary date of the card?

@Shovelups

2 жыл бұрын

Immediately. You will get a statement credit within a day of your “travel” category purchase until you reach $300. It resets every year around your anniversary date