Why Capital One Is UNDERRATED 2024 | Venture X, Savor One
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- čas přidán 23. 01. 2023
- Is Capital One BETTER than Chase or American Express in 2023? Let's review the Venture X and Savor One cards, making up the Capital One Duo/Bifecta, and compare it with setups like the Chase Trifecta and Amex Trifecta! With high point multipliers across some USEFUL categories, a simpler setup, and just as great perks and benefits, the competition is heating up!
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I got SavorOne last year and was like "wow this card is underrated", 3% on streaming/dining/grocery with no AF is awesome. Now I'm looking at Venture X and this just makes me even MORE stoked I have SavorOne
I lucked out big time. I signed up for a Capital One Savor card back when it was the 3% card, essentially where the Savor One is now. When they bumped it up to the 4% card, they grandfathered me in with no annual fee, so I have a free Savor card with 4% dining, entertainment, streaming, and 3% groceries, but no annual fee. I also got the Venture X card last year so my bifecta is complete.
That's insane, nice one!
Can you transfer points (instead of cash back) from your savor one to the venture x?
And while it’s not a big perk, the Savor One card also has no foreign transaction fees unlike the Chase Freedom cards.
That and the categories aren't limited to the us. The amex gold for example only earns 4x on US grocerie spend....not international
For me, this is actually huge. It's hard to find a card with no FT fees that also don't have annual fees, AND still gives rewards? Put it all on one card, and it's a big deal.
That's a huge perk for me
Thanks so much for doing this video. I asked for it in one of your past comments, as I’m sure other people have, and it shows you really care about your viewers. Keep it up!
Thanks a ton for the support!
One big advantage of capital1 is all their cards have no foreign txn fees; on chase side only csr and csp have no foreign txn fee. When you actually travel outside the country that matters a lot, esp that’s when you tend to spend more too
Great point! That’s exactly what I was about to look into too.
Great video Kevin! Im definitely getting both both cards in the future! Subscribing now!
Thanks for watching Jake!
I just got the Venture X and i have to say.. Its an awesome card. I just hope they can keep competitive and dont increase the annual fee. I just booked a trip to Europe so ill check out that museum pass. Nice vid!
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@@JaytizalOKCreal😂😂
Thanks for breaking down all of these perks for us Kevin. I’ve been strongly considering the Venture X as my next card to fill the lack of a premium travel card in my setup. Capital One really fills a great gap here between the ultra premium, high annual fee cards like the Amex Platinum and Chase Sapphire Reserve. Some of the extra VX benefits that I learned from this video are just icing on the cake for this card. I am a bit nervous though that Capital One might make some more perk changes in the future, similar to what we saw last year. I’m definitely excited to apply for the card later this year though!
If they do, hopefully they could grandfather in old cardholders!
Thinking of getting Aspire next then Savor to add value to the Venture X. I plan on keeping my Chase Trifecta because the preferred only costs 45 effectively
Capital One has been making moves 👀 I'm excited to see what they have in store for 2023.
Will be interesting to see how Capital One and Citi do in the next year or two to compete with Chase/Amex!
Same! Absolutely! @ChaseYokoyama and @KevinYang ! I got this 2 card set up and it’s so good! And really affordable. Def a powerful combo. What I didn’t realize is how many transactions only get one point say with Amex. I cancelled my first regular venture card when the annual fee was $49. I figured I’d hop on the VX while the getting is good bc They Capital one could change the cost of the annual fee in the future. I think the VX card is a great card for Airbnb and vrbo users.
@@kevinonthank Yeah the VX seems too good to be true nowadays haha
This setup is definitely compelling. I love the comfort of knowing my venture x has a base earning rate of 2x. Great breakdown Kevin
Such a powerful card that I'm afraid it'd be nerfed haha
Nice presentation. What gear do you use to shoot the video and edit?
Ta lk Prïvately ˚☻♡☺
Man if they can add World of Hyatt and/or American Airlines it would be game over.
I run the C1 bifecta with an added AmEx EDP for gas and grocery. Solid setup!
Solid!
Looking to add the Venture X sometime this year, and then add the Savor One at some point as well, to create my Capital One Duo. Definitely agree with you that Capital One is super underrated and should be taken more seriously. Great video Kevin!
Definitely going to be a nice setup!
Sup Matt, you been adding awesome content.
Hey Kevin, since you have both the Amex Platinum and now one of the Savor cards, can you shed some light on combining the uber benefits? Did you have any luck adding both cards to the same uber account and getting amex monthly credits as well as free uber one membership?
Another reason to think about Capital One is Chase's policies. When talking about the Chase cards, remember Chase will AUTO-DENY if you have any kind of bankruptcy, even if they were not included in it, even if it was 9 years and 11 months ago, even if you rebuilt your credit and have an excellent score. No need to take my word for it, call the reconciliation line before you apply and Chase will tell you. So for someone in that position Capital One is a lot more open to wanting your business.
Facts. I remember closing my venture 2 years ago for Amex Platinum. Decided no more $750 fee, so I applied for all Chase cards..denied across the board. I ran back to Cap 1 and was welcomed back with a $10k limit 😂. Downgraded that Plat to gold as I buy groceries more than I travel
You made me Lol when you said you ran back to Cap1 thank God you know where home is 😂 😂😂
I wish I knew about the auto-deny, I applied for a chase card with a 730cs and 100% payment history.
Excited to see what the new Capital 1 owned BJs card looks like once reveal around March
First time hearing about that card!
That capital one logo edit at the beginning
Capital SavorOne is amazing for team cashback and people in their 20s. Mix it with Capital One checking, Capital One savings, Capital One car loan, and E*Trade long-term investing.
Ayy nice!
Did you say in another video capitol one makes you wait 6 months between opening cards? Or could I do a VX and shortly after do the SavorOne?
Enjoyable aspect of Capital One is their ability to imagine other possibilities.
It matches their transfer partners...mostly International.
Another under-appreciated benefit of capital1 setup is all cards don’t have foreign txn fee. Can’t use chase freedom cards abroad without foreign txn fee and have to settle with lower earnings in groceries and dining unless you have the more expensive csr
Great point! For frequent travellers, having a no fx-fee card is so important! Regarding Groceries and Dining, there is Amex Gold that does well on that front too!
Is it possible to get both of these cards off of the same credit inquiry?
Does the Capital One Savor work at neighborhood Walmart grocery stores?
Does this duo work with the SavorOne and the Venture (regular, not VX)?
I have a slightly different Capital One bifecta. I have the Venture & Savor One set up. Still a solid setup, but would like to upgrade the Venture to the Venture X.
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I think I’ll get the standard Venture as I’m not traveling too much but want too more often. I like the 2x unlimited and being able to transfer Savor cashback into miles. Plus $95 annual fee you can’t beat.
The Capital One Duo shouldn't be slept on!! As you know, I plan on adding the VX this year, but adding the Savor One is something I'm strongly considering as well! It'll honestly depend on my overall experience with Cap1 with the VX. Great job on this one though. It's definitely a solid duo!
Same here, the VX has been awesome but starting to realize the power of the SavorOne! That said, I'm probably still prioritizing the Amex Gold a bit more given the higher multipliers and all haha
@@KevinYang I agree with you for sure. The Gold card is hard to beat!
The value of the SavorOne was clear to me when I got in March 2022.
The Capital One cards are not just for international travel.
They are for International Living.
Venture X has the glitter, but SavorOne is the star ⭐✨
I love my Saver One, it’s my first Cap One card. The app is straightforward, and tap to activate was super easy. Looking forward to the VX in November after I’m clear of the one in six rule. Debating my next card between now and then because I’m traveling a lot
Hello
I have a lot points can I pay by points for my nephew flight or no
Thank you for helping out
I'm planning on getting into the travel credit card game. I was wondering in what order would you apply for the amex gold, chase sapphire preferred, and capital one venture x?
Good question... Personally I'd recommend getting the Chase Trifecta setup going first (CFU/CFF > CSP) then slot in the Venture X, and Amex Gold whenever it has an all time high offer!
@@KevinYang Thank you so much! Definitely was leaning toward that order you suggested.
@@rodolforosejr.4898 No problem, hope you enjoy the setup!
Thanks Kevin, this is my vid, the C1 dual setup.... this summer, it's the Savor card and will apply thru your link. Now, one question, is the 3x dining, grocery, restaurants etc... worldwide OR it is just here in the US, I hope it is worldwide i.e. Japan. Thanks.
That's a great question. My guess would be that it's dinning and groceries worldwide since it has no foreign transaction fees. But it could be otherwise (i.e Amex Gold).
Hey mate! I'm from the UK and I have a Savour One Card and I can confirm that the 3x Dining Grocery and Restaurants can be used abroad with no penalty in addition if you order uber eats abroad the 10x cashback is also applicable abroad!
I use my Savour one as my primary spending card in the UK and it works amazingly well!
@@SuperJutah Thank you Sir. I can't wait to get the Savor for int'l dining.
@@theinternationalist1357 I’ve joined a few credit groups and everybody craps on capital one but I love them… a low credit amount is better than no credit!!!
The 10x Uber eats is a cheat code!!! Unbelievable that you get such an amazing offer for no annual fee
Like others mentioned, seems like its world wide!
Honestly the savor one is the biggest reason why I don't think the Amex gold is worth it. I don't use Uber eats or eat out at the kinds of partner chains on their coupon book so even though it's 4x on dining, my 3x is plenty and I get no annual fee. Additionally Amex isn't widely accepted intensionally and when traveling and studying abroad, the lack of foreign transaction fees on the savor was amazing.
It's a really strong competition for sure! That said, the Amex Gold could be worth it even on the welcome bonus alone which could be as high as 90,000 points! But I agree, the Savor One would appeal to a much wider audience!
Even if you did use Uber Eats or Uber, currently the card get 10% cash back until November 2024 and Uber One is free.
@@benjaminwolf9801 Huge selling point for sure! Especially since my 1 year UberOne from the Amex Plat is out
@@shawn7603 Yeah it's still up there on my list of cards to get. The no spending limit is a big one, unless you already have another charge card like the Plat
I was strongly considering venture x but the hotel transfer partners through me off! Whyndam, Ramada and La Quinta - those tend to be lower quality resorts and hotels compared to Hyatt, Marriott, and Hilton with Chase and Amex
Yeah, if you mainly use points for hotel redemptions, Hyatt via Chase would be best (though they devalued a lot of locations recently!)
@@KevinYang wow ok that’s good to know thank you!
Great duo but i shop at walmart for groceries. Does the capital one walmart card transfer to the venture X as well?
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Am I understanding correctly that the cultivist membership is only for 6 months, and then charges you if you continue the subscription? I just saw this online.
Fully agreed that the Capital One duo is an amazing and under rated set up. Someone looking for simplicity could be happy with that pair for a decade or more.
I am very interested in where Capital One’s hotel set up goes.
Same here!
Can you add the quicksilver card to the other two cards mentioned to form a trifecta? I know quicksilver doesn't have too many benefits. I say this because I have the quicksilver card and I'm deciding on which trifecta card set up to have in the future for me.
I believe the Quicksilver does NOT let you convert into Venture Miles like the Savor ones do
Yeah i do greatly enjoy the Capital One Bifecta. I think it's so slept on (but understand it's not for everyone). Overall, the points systems for Chase and Amex are more valuable. But for someone like me who hates the "having to keep up with a large coupon book" vibe most other cards have, i really value the simplicity the C1 Bifecta has, coupled with the 10x on Postmates/Uber Eats and comped Uber One membership (i'm a Postmates/Uber Eats food delivery abuser as well lol). It's basically tailor made for me. I really hope they re-up on the Postmates/Uber Eats perk come end of 2024. I agree with what you said at the end too about Capital One trying to partner with Hyatt and/or exploring co-branded cards. It would make their offerings more diverse and compelling and expand the options they have from a Bifecta to other possible Bifectas, Trifectas, or Quadfectas, etc.
100% I really hope they keep the Uber partnership
I have the savor card and I’m looking to get a travel card but I’m conflicted between the venture x or the csp. Does it make more sense for me to get the venture x since I’m already in the capital one realm? Does it not make sense for me to get the csp if I don’t have the trifecta? Or is the csp that great of a card that I could get it on its own?
Given no elevated offer on the CSP, I think it makes sense to go for the Venture X at this point!
I was just approved for the Venture X. How long should I wait to apply for the Savor One?
Some data points online say 6 months!
I'm more interested in the 5% app 11 mo cd capital one is promoting. Ditch the credit cards
I have the savor one card and conflicted on if I want to get the quicksilver this year and then next year get the venture x or would that prevent me from getting the SUB for the Venture X?
@Shawn thank you for the info!
Ta lk Prïvately ˚☻♡☺
I see post that Plaza Premium & Priority Pass cut ties as of July 1, 2021. Is this true?
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Hell yeah bro!!!
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Would it be a good idea to do the Savor card for the 4% back and use the $300 sign up bonus to offset the initial annual fee but then downgrade to the SavorOne before the 1 year anniversary?
Personally, I would just go for the SavorOne directly. The Savor is only $100 more which essentially matches the $95 fee, however it requires a higher $3000 spend instead of just $500
By 3% on capital one savor one entertainment. Does that mean if I buy cinema tickets, i would get 3% back since its entertainment?
I have the AMEX Gold card and love it but after looking into the Capital One Venture X I’m leaning towards getting that instead of the AMEX Platinum, my only thing preventing me is I don’t really wanna rack up points for 2 different eco systems, is there a way where AMEX points could compliment Capital One Venture Card? From my understanding you can only get points with the Venture X from booking through capital one portal
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Nothing wrong with getting points from 2 systems, I would just direct transfer the AMEX points and book through Capital One portal for the C1 points...it would take a little more work to keep track of both but it's doable. Or you can get ride of using Amex Gold and just get SavorOne + Venture if you wanna keep it in unison. I know it's tough choice because VX > Amex Plat but Amex Gold > SavorOne lol, pros and cons!
yes transfer your points from both too the same airline
quick question. can you "accumulate" those annual 10k points? or do you need to use them on that same year?
Yes! You'll get those points automatically
@@KevinYang I mean, can I carry over the unused 10k annual bonus points to following year?
@@JohnJohn-nt9mf Yup of course! They just get deposited to your account and they're yours forever
Yep
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Yeah you are correct about Capital One but I'm loving Chase even tho I have the Venture X. The capital One duo is something I might add this year as far as the Savor One.
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I hate that you can’t bundle hotels, flights, and cars to save money. It’s very expensive to schedule it all separately on the Capital One Travel portal.
That would be nice!
Lol. Capital One is my lowest credit limit card. Funny that it is now a world elie mastercard and still well under the minimum 5k to qualify for being considered a world elite mastercard. The credit limit on that card is under rated for sure.
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Suddenly everybody talks about Savor One now. When I was getting it for grocery spend some time ago, nobody really recommended it, everybody was recommending Amex Gold, Citi Premier, etc.
@Shawn yes, cap1 cards are hard to get, but I was lucky enough to get 2 of them recently.
Anybody have any experience booking through capital one for hotels??? Wonder how that process is? I travel for work and like to maximize those points. Sometimes I have check out early or stay longer depending on the job. American Express you have to call and modify arrangements and they call the hotel, and you could potentially acquire fees. So, it's a hassle. Normally I would book through concur and the hotel puts a hold on the card until your stay is up. But booking through Amex travel you pay for the trip up front. which kind of sucks. My American Express has foreign transactions fees, so that's a bummer when I travel internationally. Thats a big reason I'm looking at capitol one card. The 15 month no interest is always nice as my AE intro offer just ran out.......
My issue is that I’ve held the capitol one quicksilver card since 2019, and I’ve never gotten approved for an increase. They won’t even reach $4K when I have 80K income, a 780-800 credit score, and over 30K I’m available credit to make my debt:credit like 2% 🤦♂️
It’s been my daily driver card for non groceries / gas / Apple Pay, over then last year or two, never missed a payment.
That's an interesting one! How often do you ask?
@@KevinYang was typically 6 months apart or more, usually when I had a change in income that I was updating
Probably going to look at switching my quicksilver over to a Venture X, and hopefully that will land me a credit increase from a human being, instead of the poor automated system.
Hi Kevin you say that we can convert the cash back from the SAVOR ONE card to miles who comes with the VENTURE X but i contact Capital One and they told me that it s not possible to do that. I probably get someone from the customer service who gives me the wrong info but i m a bit confusing now. Can you please confirm me that you are 100% sure that we can do that? Do you personally have this both card and did that?
Maybe it was the rep or the wording. Yes it should be possible to change your Savor card's cash back into Venture miles (should be via the Share My Reward option in the rewards tab)
@@KevinYang Perfect thanks Kevin ! Also i have the Chase Sapphire reserve card since more then 4 years i hear that it s possible to cancel it and to straight reapply to get a new welcome bonus is that true ?
@@mehdiabderrahmane2439 You can either cancel, or downgrade to other cards like the no annual fee Freedom ones (while keeping your credit history, my more recommended way).
You are also eligible for Sapphire card bonuses if you haven't had one for 48 months! I've seen people say they waited a few days or weeks before applying again though
If the Ink Preferred is used 3x Travel is awarded.
Do I apply for both at the same time?
I would personally go for one first then the other maybe 3-6 months later
@Kevin Yang Thanks for the response! I will try Venture X first.
@@andresmjr Good luck! Make sure you can always hit the minimum spend of course
@Kevin Yang I applied and got approved instantly! 😁 Just to be clear by min spend you mean the 4k to get the 75k bonus, correct?
@@andresmjr Congratulations! And yes, that's the min spend!
Since it’s half a cent cash back for miles does this mean Chase is king for cash back if you aren’t using points or miles for travel? I think 20000 UR points is $200. Is 20000 cap one miles/points only worth $100 cash back? This means those “elevated” cash back percentages or miles are half what they appear if used for for cash back. And ah….just got to that point in the video lol. Good for people to know.
For pure cash back, likely, however travel is pretty broad and depending on your spend overall or in that category, it could still be worth considering!
@@KevinYang yeah makes sense. If I traveled more I would definitely be considering more. Looking at a Disneyland trip in the next 18 months so thinking of combining a venture rewards with a Wyndham Warner card and an Alaska visa to cover 100% of the hotel and 75% of the flight cost. Don’t love the annual fee cards in that trip longer term since we rarely travel though. Sign up bonuses to pay for most of one trip. We will see after that. Alaska seems to be the only non stop airline from Seattle to Santa Ana so it seems like that’s the best route to go.
Yeap sounds good
Thanks for watching!
I looked into it, but it doesn’t transfer to American, Delta, Southwest, etc. it’s focused on international it feels like. So the card is not for me.
The international partners have domestic partners where you can use the points.
@@mrb152 Harder to use though. I use Turkish miles, but it's very hard to use.
Yeah this is a great point on the Venture X. Venture X is cool for international travel. I would still get the Venture X personally but i would pair it with another travel card like the newer Bilt card which seems more focused on domestic travel (it's one of the only, if not the only CC, that has American Airlines and United as transfer partners).
I have QuickSilver , SavorOne & Ventureone so far works great for me
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I’m so nervous they’re going to nerf the VentureX.
They already have
@@FTBASTAR Only slightly though. The feature they took out was nice but isn't a necessity compared to the cards other perks. I would be concerned about more nerfing coming eventually though.
Does anyone from this Gen Z generation actually cook 😂. Im investing in Pharmaceutical companies bc in the future all of yall gonna have diabetes eatin that Uber Eats 😂. Great video tho
best watched at 1.25 speed cause this talks slow af
Capital one basically scrapped the venture x wouldn’t recommend it to anyone now
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How so?
I see it on the website
SavorOne is paying 10% cashback on Uber & UberEATS delivery and pickup thru Dec 14, 2024.
Yup, that's a huge perk!