I swear you’re a mind reader….. I was just asking myself about my Venture X usage and how I need to leverage it more as my 2x catch all card. Thanks for always helping us see the value of the cards we have
Great points. Often we don’t think about insurance or purchase protection until we need it. I bought 2 pairs of Nikes. Upon delivery, someone ripped open the package & stole 1 pair or was possibly lost in shipping. I used the purchase protection on my card & got refunded the full amount. No questions asked.
Luke, THANK YOU. I can't believe that nobody mentions it's a freakin Infinite card! My favorite perk of this card is using the National Executive status it gives through Visa Infinite. You can also status match from President's Circle to Executive Elite, but before we status matched we used this card to get Emerald Aisle access when renting cars for vacation. We always got upgrades and where we had the Emerald Aisle access, we went from a Corolla to a luxury car or premium SUV. Heck, we even got a Range Rover one time from booking a Corolla lol. I feel like renting cars is the biggest ripoff when booking a vacation, so having the CDW and top tier status with these companies makes that reservation so much better. Having the rental coverage saved us around $200 in Costa Rica when we rented from National because my in-laws rented from Avis and they paid $200 more than us due to needing insurance. That alone paid for most of the card cost. On top of using the $300 credit to book our hotel. It just makes sense.
To get Executive Elite do you just have to pay for a number of rentals equal to the difference between Executive and Executive Elite (13), or do you start from scratch (25) like you do with hotel status received from a card?
Note that you can only status match into Executive Elite one time (per drivers license number) for one year and then after that you have to qualify the regular way.
I've used the Visa Infinite concierge a couple of times. The main benefit they provide is that they can make sample itinerary for a trip with recommended sights, experiences, and restaurants. It sounds kind of dumb but I used it for a trip to Maine and it really helped give me guidance on the trip and made the experience overall more enjoyable. You /can/ do that all yourself, but I think it was useful for finding lesser known sights and making sure you don't get overloaded with trip planning.
The upgraded travel insurance on the CSR is why I went with it over the CSP. When you factor in all the protections on the VX ,on top of everything else, it’s really hard to argue against how powerful it is!
@@newagain9964 depends on the person. That PP restaurant benefit can be clutch, the $300 travel credit can be used outside the portal and you get 1.5 CPP in the portal if that’s your thing. I’m sure the cap 1 portal is nice but I’d most likely have to use the travel credit on a rental. It is a PIA that I gotta pay extra for my wife to be an AU but it is what it is
Hey Luke, just a quick tip…the CSP (which as you know is also primary CDW) includes protection in Ireland. When I went recently I found that in the fine print, and you can message Chase and they’ll email you a document that confirms you’re covered in Ireland and that’s the document the rental agencies need to see in order to waive their insurance requirements. So if you find yourself back in Ireland and wanting to drive, book it through the CSP and get the document from Chase and you’ll save a bunch of $. Or should I say € 😁
Had the Amex Platinum and the Venture X for 2 years. Had to outweigh the pros and cons, and what really worked for me. For $395 AF it was a no brainer to cancel the Platinum and keep the Venture X.
Great video. We got our VX in January. Just checked. We are paying AT&T $50/month for insurance for 4 phones. Not anymore. $600 savings on a $395 card. Instant subscribe. And yes, we pay our phone bill with Venture X.
Extremely helpful Luke, a lot of people just pay attention to the headliner benefits of the Venture X or any credit card, but the protections can be even more valuable if something does happen.
Great video Luke! My dad's friend was almost 70 and got a DUI on a golf trip and ended up in the slammer for the night. I bet he wishes he had the VX that legal advice protection. lol
Subscribed. Actually watched more of your videos and I just wondered why I'm not subscribed yet. Keep it up man, helps a lot telling us what you prefer and give opinion on cards. Thanks
I actually used the Venture x rental car coverage in Portugal, when I brought the car back there was a big long scratch along the side of it and they charged me something like 580 Euros to fix it, I put in a claim with Visa which unfortunately wasn't the easiest thing due to how specific they wanted the documents to be so I had to keep checking in with them but eventually they did pay for it!
It's actually good you made this video. The Platinum in Canada has 120 days Purchase protection for loss, damage, etc. I actually really enjoy this perk and extended warranty. And when we travel, I look towards these travel Insurances just incase. Peace of mind for me.
We just returned from a week in Barbados. CDW waiver saved us money on the 5-day car rental. We had flight delays but American gave us 4 food vouchers and covered the hotel, so we didn't have to file for reimbursement this time.
I can't picture a guy of your size getting jacked in the worst neighborhoods in this country, let alone a peaceful place like Switzerland. :) Very thought provoking video Luke. I love my Venture X! If they can get some decent hotel transfer partners and add a lounge at my home airport in Newark, look out! This card will be an even bigger game changer!
I wasn’t sure about keeping mine another year. Then I got another 25k referral bonus and remembered that it’s probably worth hanging onto for those friends/family that haven’t gotten it yet
Uncle Luke! Thank you for the great breakdown of perks and benefits that are not really mentioned in other reviews! You know I would love to have it in my wallet, but…. I can’t even get the Quicksilver! lol. Thank you as always for a wonderful video!
Trip delay makes it sound like if you’re delayed more than 6 hours for anything outside of your control you’re covered. You are not. If the delay isn’t specifically due to weather, aircraft mechanical failure, skyjacking, or strike it’s not a covered hazard. This doesn’t cover FAA ground stops, crew timeout, late arriving crew, catering delays, or general operation delays (ie, ground crew shortage). There’s a reason they can include this coverage for so cheap, if you read just the marketing material and don’t read the terms you’ll be left thinking it confers more protection than it actually does.
altho both CSR and VX are Visa Infinite cards, Chase actually is slightly better in coverage duration for the primary CDW. VX is Visa Infinite default so 15 consecutive days per rental period within US and 31 consecutive days outside the US. CSR and Ritz Carlton meanwhile is 31 consecutive days per rental period regardless of what country you travel to (except those countries purchase mandatory primary CDW).
That’s a very special use case tho. Fax is CSR is super niche card (bicycle rental discount. Lolz). Pro tip. If ur renting car THAT long. Get full coverage (w/liability)!
I consider the VentureX as a $95 annual fee card for 1 year, then net no-cost from there on. I say this because the 10k anniversary points are only after paying your second annual fee.
I just used it for travel insurance on a cruise I just booked, and I had to pay a portion of the cost with my CSR. Remember, there's a $15/month instacart credit and a $5/month Door dash credit. I don't know why people don't count his as migrating the a.f. but it's $240 to add to the $300 travel credit. Nonetheless, I would still get the VX if I could WITH the sub of course, I would never product change to get it.
@@LukesPointsandMiles It's riddled with fees. I usually can't wait around for a $10 delivery + fees, so I do pick-up, and weird enough there is a pick-up fee of $5 😒☹. I could not believe it, so I am only getting at most $10 worth of goods.
Absolutely love this channel! Super focused on multiple trips a year with family. Let's say, and go with me here, that my wife was a massive Swiftie and an even bigger Disney girl, would you say the VX and SavorOne combo has more value in a 2 player setup than the CSP/CSR with their support(s)? This would be within the context of taking multiple domestic trips every year and not looking to hold 2 flagship cards.
The reason I got the X was unlimited guest lounge access as I travel with employees/associates couple times a year. I don't go into the lounge if we all can't go into the lounge. My Platinum and Reserve do not grant this. Now I use the card more often than I thought I would. Looks good and it's heavy. Use the link in the description!
VX is a keeper card to me because of the net zero AF and the flexibility it gives me. Most of my flights are on Delta and I put my Delta reserve to work for it. I have found the VX portal useful to find the cheapest times to book flights and its price protections have saved me more than once. All those extra benefits just add to the flexibility. It's a keeper.
U to live dangerously. Few rules to this game but One of the cardinal rules is thou shall not book airfare via 3rd party sites. I use the $300 towards car or hotel, esp when hotel includes $100 benefit. It’s less risky and painful if something goes wrong
@@newagain9964 I’ll push back on that one. I would rather book a flight. I can include my loyalty number in the reservation and “control” much of that reservation from the airlines app. It’s a much different story showing up to a hotel and they have no idea you’re coming.
@@newagain9964 Booking third party flights credits you loyalty $ and status. Booking third party hotel you can't even use status. It's all about flexibility to me. Price protection + I've even found cheaper flights with the VX portal in the past vs other portals. I only use it 1 or 2 times a year but that is still a net positive value for the VX.
@@LukesPointsandMiles hmm. Never had to deal with airline issue (book direct). But usually when it comes to cars and rooms, can just get a replacement quick. Just better hope there’s no crazy large event in town at same time. But I usually research b4 I book. As it keeps costs down.
This card isnt for me...and C1 only wants to give me secured cards LOL. You are right Uncle Luke.....diving into all of the lesser known benefits because they arent really talked about just add to the value of the higher end travel cards out there. People dont realize what exactly their card can do for them or not do for them in situations. Good coverage Uncle Luke. Thank you for sharing.
Just got back from a trip where the flight on both ends was delayed. Travel protections are serious business and should be taken seriously. Those protections can mitigate the fee of even the most expensive premium card even if you use few other benefits.
Recently booked a trip to 🇨🇷 using the annual credit, I ended up only paying $88 with fees and taxes. Might not have been the best point redemption, but im still learning about travel redemptions.
That's interesting to hear about all the protections that the card offers. My wife and I recently bought two new watches, and let's say they're pretty expensive, so I used my American Express Platinum hoping that the purchase protection would be handy if something were to happen. I haven't dug into the details but I wonder how the Venture x compares to the Platinum and CSR when it comes to purchase protections.
Buying 3rd party travel/trip insurance is waaay cheaper & easier than u think. And less bureaucracy hoops (and bizarre disqualifications) after u file claim. CSR👀
I’m not sure I’m going to agree with you. If I take 10 trips a year, im not sure I want to buy extra insurance when it’s available on premium travel cards I already have.
@@LukesPointsandMiles agreed. The Avg person is not taking 10 trips a year. Certainly not several pricey trips/yr. Just wanted to put that out there for 1-2 trips a year folk. Especially if skiing or the like. Medical coverage on travel cards is pretty light.
I travel so much, I'm surprised I've never had to use any of these before. Well, I guess that's what insurance is for, good to have - hope to never use! In any case, sounds like the C1VX has some good protections!
Possibly a helpful tip. I used the pre approval tool for the VX back in December and was denied even sending me a letter saying I've opened to many accounts recently. They were all on my Experian from Chase in the past year. I was determined to get the card. After a couple of weeks, I looked at reddit posts and came across one stating to try and freeze your Experian report before trying the pre approval tool. Sure enough, I was pre approved and then approved.
Their cellphone protection is second to none! I submitted 2 claims this year and both were processed within 4 business days and money DEPOSITED into my account on the 5th day.
Hi, could you share more on your cases ? Like did you purchase your phone with your vx so you get the phone protection and they reimburse you? Or ? Thank you 😊
LUKE I got approved for the VX last night! I got so happy I was greedy and applied for the Boundless card right after and I’m under review. I haven’t done business with Chase before so I guess that’s normal?
Thank you for this video. Just got the card because of you and I’ve booked my first trip. Please don’t make a “why you should avoid venture x” video anytime soon 😅
Travel Insurance is CRUCIAL for me in my decision to apply for a card, or which card to use to pay for a purchase. I.e. Don't just look at the card's CDW coverage, look at how much it covers as well.
@UncleLuke, I need your wisdom. I’ve got the Amex Platinum and Gold duo along with the Capital VX and Savor One duo. I mostly fly domestic and get value from both duos. Which set would you put at the front of the wallet to earn more points this year?
Those pairs are very competitive but if you have both, you’re going to earn more on the Amex set up. Of course you’re also going to pay more in annual fees. They are Both big league duos.
I can’t do the venture x because the portal is powered by hopper but when I look at the hopper portal the hotel choices are horrible for the dates and it doesn’t show me the hotels I would want to stay at when I can book them straight from the hotel.
Uncle Luke, if I purchase Delta flight tickets via C1 portal, will I earn Delta miles? also, if I also hold AMEX Delta Gold Business... do I enjoy the free checked bag if I used VX for the ticket? thanks
When you book through the C1 portal you’ll be able to attach your skymiles number to it so you’ll still earn as a paid flight and with your number attached you’ll still get the free checked bag. Unless something has changed with the delta gold card.
No. It really depends on what you want to do with the points. There are several overlapping partners but I don’t really think any “one” set of points is more valuable since I like to transfer my points out more higher end flights.
My mentor uncle Luke! Do you know if we if we can “hack” the Amex once’s in the life welcome bonus rules by applying twice for the business Gold or Platinum (once with the SSN and once with the EIN) as we can do with the Ink Chase cards? Thanks by advance! 👊🏼
I’ve only skimmed over the CSR benefits and from what I can remember they have baggage delay and the VX does not. Most are very similar or the same but the fact remains the csr is not a net zero card. It costs much more. The VX has a much lower or no effective annual fee.
Capital One has horrible customer service. There are a few no annual fee cards that offer the same 2X. At least three no annual fee cards offer more than 2X.
Do you have any data points about trip delay insurance when booking with points? This could just be my experience, but I flew Air France and missed my connecting flight due to flight delays and had to stay the night in Paris. I called Cap 1 and asked about trip delay insurance and they said I wasn't eligible since I had booked with points. I mentioned that I had paid the taxes and fees with the VX, but that didn't move the needle. I could just have gotten a customer service rep who didn't know the procedures. My wife and I got hotel and food vouchers from Air France, so it wasn't a total loss, which is why I didn't pursue it any further with Cap1.
How do these protections compare against the Plat and the CSR though? I never really considered these benefits before and as a cardholder of the CSR and Plat, I really should know if they have any differences.
There are some differences. For this video though these are benefits of a net zero card. So that changes things. The plat and the car cost more money. The plat does not have primary cdw
Hi Luke! I have about 16 credit cards. I got denied for the VX twice. What do you suggest I do if I want this card. Already have plat and CSR. Looking to downgrade my CSR since im coming up on the 4 year mark for another bonus, and after my annual fee hits might close down my plat. Looking for a one stop shop to put all my spend on one card. Should I wait to all my inquiries fall off as well as wait a year or 2 ?
Hello Luke. I just got my VX approved yesterday. I had my CSP for over 4 years and product changed it to CFU. Do you think it will be a good idea if I sign up for CSP again and get that SUB? That way I’ll have the VX and CSP combo. Thank you 🎉
@@LukesPointsandMilesHello, sorry Luke to bother you again. I’m trying to book a flight on c1 portal but it doesn’t show up. It’s a connecting flight, google flights and chase portal shows the same flight. Any suggestions ? Thank you.
@@Codd23 not all portals will have every flight. Seems like you found one that is t offered by the engine that runs the cap1 portal. I would suggest booking the flight directly with the airlines if time is an issue.
I wonder how you guys in the "CC Game" get around getting rejected due to high number of inquiries in your credit report. Have a >750 score, zero negatives, own home, no debt, very high income, no balances, about $250K in current CC credit lines, and yet got rejected by Wells Fargo for the free autograph due to "high number of inquiries". Seriously??
Hello sir. So I've got a question regarding upgrading to the Venture X from the Venture. When would be a good time to apply? (i.e. the most likely to be approved). It's not showing up on the Capital One pre-approval page although the Savor One does. That being said I have excellent credit and only 3 total cards.
I swear you’re a mind reader….. I was just asking myself about my Venture X usage and how I need to leverage it more as my 2x catch all card. Thanks for always helping us see the value of the cards we have
Thanks for watching!!!!
Great points. Often we don’t think about insurance or purchase protection until we need it.
I bought 2 pairs of Nikes. Upon delivery, someone ripped open the package & stole 1 pair or was possibly lost in shipping. I used the purchase protection on my card & got refunded the full amount. No questions asked.
Wow that’s awesome. Thanks for sharing!!
Some no AF cards offer purchase protection, such as Freedom cards, Ink cards from Chase, many Amex cards, Venture One, some US Bank cards, Costco card
Luke, THANK YOU. I can't believe that nobody mentions it's a freakin Infinite card! My favorite perk of this card is using the National Executive status it gives through Visa Infinite. You can also status match from President's Circle to Executive Elite, but before we status matched we used this card to get Emerald Aisle access when renting cars for vacation. We always got upgrades and where we had the Emerald Aisle access, we went from a Corolla to a luxury car or premium SUV. Heck, we even got a Range Rover one time from booking a Corolla lol. I feel like renting cars is the biggest ripoff when booking a vacation, so having the CDW and top tier status with these companies makes that reservation so much better.
Having the rental coverage saved us around $200 in Costa Rica when we rented from National because my in-laws rented from Avis and they paid $200 more than us due to needing insurance. That alone paid for most of the card cost. On top of using the $300 credit to book our hotel. It just makes sense.
Thanks for watching. You make some greats points!!
To get Executive Elite do you just have to pay for a number of rentals equal to the difference between Executive and Executive Elite (13), or do you start from scratch (25) like you do with hotel status received from a card?
Note that you can only status match into Executive Elite one time (per drivers license number) for one year and then after that you have to qualify the regular way.
I've used the Visa Infinite concierge a couple of times. The main benefit they provide is that they can make sample itinerary for a trip with recommended sights, experiences, and restaurants. It sounds kind of dumb but I used it for a trip to Maine and it really helped give me guidance on the trip and made the experience overall more enjoyable. You /can/ do that all yourself, but I think it was useful for finding lesser known sights and making sure you don't get overloaded with trip planning.
That actually sounds really cool. Thanks for sharing!
This was a very helpful comment. Thanks.
Nice concise summary of the benefits! Sent to a friend who already has the card but would never survive reading the card member agreement.
Haah. Thanks, mate!
The upgraded travel insurance on the CSR is why I went with it over the CSP. When you factor in all the protections on the VX ,on top of everything else, it’s really hard to argue against how powerful it is!
It’s just a great value prop.
VX > CSR. By a country mile
@@newagain9964 I think they’re different products but I won’t disagree with this at all.
@@newagain9964 depends on the person. That PP restaurant benefit can be clutch, the $300 travel credit can be used outside the portal and you get 1.5 CPP in the portal if that’s your thing. I’m sure the cap 1 portal is nice but I’d most likely have to use the travel credit on a rental. It is a PIA that I gotta pay extra for my wife to be an AU but it is what it is
Capital One & Venture X getting some ❤❤❤ Thanks for the info + video!
Thanks for watching, sir!!!
Those are some big time protections Uncle Luke! Thanks for the detailed information brother!👍
Thanks for watching, sir!!
Love the Venture X! It's my go to when renting vehicles as I do that a few times a year. My main catch all card as well.
Thanks for watching!!!
Just applied for VX with your link great vid❤
Oh snap! Thank you sir!!
Hey Luke, just a quick tip…the CSP (which as you know is also primary CDW) includes protection in Ireland. When I went recently I found that in the fine print, and you can message Chase and they’ll email you a document that confirms you’re covered in Ireland and that’s the document the rental agencies need to see in order to waive their insurance requirements. So if you find yourself back in Ireland and wanting to drive, book it through the CSP and get the document from Chase and you’ll save a bunch of $. Or should I say € 😁
Awesome tip!!!
I am falling in love with the Venture X, Savor 1 duo, and these perks and insurances are just icing on the cake! Thanks for the video!
Glad you like them! I’m a huge fan as well.
Had the Amex Platinum and the Venture X for 2 years. Had to outweigh the pros and cons, and what really worked for me. For $395 AF it was a no brainer to cancel the Platinum and keep the Venture X.
That's such a difficult decision. I have to make that one myself soon. Leaning toward keeping all of them!
@LukesPointsandMiles Been telling u, let it gooooo😅
@@katbax55 I have a couple
More weeks to decide!!
Yay, Malta! It's my favorite vacation spot.I have both the CSR and VX and feel like they play nicely together. Great vid.
That’s interesting because I’m considering picking up the CSR
this is great when pared with the savorone. I LOVE the savorone!
absolutely!!
I’ve literally been thinking recently how I don’t think the Venture X is that good, so the title of this video really stood out to me!
I think it’s a really good card for a lot of folks.
Great video. We got our VX in January. Just checked. We are paying AT&T $50/month for insurance for 4 phones. Not anymore. $600 savings on a $395 card. Instant subscribe. And yes, we pay our phone bill with Venture X.
Good job, Reggie!!!
Extremely helpful Luke, a lot of people just pay attention to the headliner benefits of the Venture X or any credit card, but the protections can be even more valuable if something does happen.
So true
THIS is the content I want from CC YTers. I answered your poll BTW and I trust you. Do more of this. I really like that you started with VX.
The boring benefits need more attention!!
Great video Luke! My dad's friend was almost 70 and got a DUI on a golf trip and ended up in the slammer for the night. I bet he wishes he had the VX that legal advice protection. lol
Haha. Yeah might’ve at least gotten someone to go his bail. Haha
Subscribed. Actually watched more of your videos and I just wondered why I'm not subscribed yet. Keep it up man, helps a lot telling us what you prefer and give opinion on cards. Thanks
My pleasure. Thanks for the sub.
I actually used the Venture x rental car coverage in Portugal, when I brought the car back there was a big long scratch along the side of it and they charged me something like 580 Euros to fix it, I put in a claim with Visa which unfortunately wasn't the easiest thing due to how specific they wanted the documents to be so I had to keep checking in with them but eventually they did pay for it!
Success!!! Thanks for sharing
Helpful comment, thanks. I had a similar experience making an insurance claim with Visa.
Agreed. Payout can be a nightmare! 9 months before they finally made good on $300 claim for cancelled flight!
@@carlinrob visa infinite took 9 months to pay you?
It's actually good you made this video. The Platinum in Canada has 120 days Purchase protection for loss, damage, etc. I actually really enjoy this perk and extended warranty.
And when we travel, I look towards these travel Insurances just incase. Peace of mind for me.
Yes sir!!
That return protection is rare! It's so valuable.
It can save the day, for sure.
Thank you for your video and sharing your knowledge and experience. God bless you.
Thanks for watching!!
Thanks for this Luke! Protections go untalked about too often!
Thanks for watching, Jake!!
Because I’m FIRST!
🥇🥇🥇🥇🥇🥇🥇🥇🥇🥇🥇🥇🥇🥇
We just returned from a week in Barbados. CDW waiver saved us money on the 5-day car rental. We had flight delays but American gave us 4 food vouchers and covered the hotel, so we didn't have to file for reimbursement this time.
But you could’ve purchased things you needed and been reimbursed
I can't picture a guy of your size getting jacked in the worst neighborhoods in this country, let alone a peaceful place like Switzerland. :) Very thought provoking video Luke. I love my Venture X! If they can get some decent hotel transfer partners and add a lounge at my home airport in Newark, look out! This card will be an even bigger game changer!
Yeah I don’t normally worry about getting jacked but hey - stranger thing have happened.
Card rocks! All the way around. Great value. Great add. Great for free AU. Great insurances.
Yes sir!!! Thanks for checking in!!
I wasn’t sure about keeping mine another year. Then I got another 25k referral bonus and remembered that it’s probably worth hanging onto for those friends/family that haven’t gotten it yet
The card definitely has a good referral program (for now) and I can't lie - to me it's just another reason it pays to keep!
I only use points for elevated flights so thinking on that wavelength when comparing card points
The VX seems has to be very useful to me but I’m a AU card it’s a no brainer for 2x
It makes a ton of sense for a lot of folks
@@LukesPointsandMiles ya
True. And also y I stay away from cap1 lounges 11am-7pm. All those free unlimited guests and AUs and their guests! Ugh. 😯
Uncle Luke! Thank you for the great breakdown of perks and benefits that are not really mentioned in other reviews! You know I would love to have it in my wallet, but…. I can’t even get the Quicksilver! lol. Thank you as always for a wonderful video!
Thanks for being here Joe!!
Trip delay makes it sound like if you’re delayed more than 6 hours for anything outside of your control you’re covered. You are not. If the delay isn’t specifically due to weather, aircraft mechanical failure, skyjacking, or strike it’s not a covered hazard. This doesn’t cover FAA ground stops, crew timeout, late arriving crew, catering delays, or general operation delays (ie, ground crew shortage). There’s a reason they can include this coverage for so cheap, if you read just the marketing material and don’t read the terms you’ll be left thinking it confers more protection than it actually does.
altho both CSR and VX are Visa Infinite cards, Chase actually is slightly better in coverage duration for the primary CDW. VX is Visa Infinite default so 15 consecutive days per rental period within US and 31 consecutive days outside the US. CSR and Ritz Carlton meanwhile is 31 consecutive days per rental period regardless of what country you travel to (except those countries purchase mandatory primary CDW).
I put the csr in a different category due to the fact that almost never AF neutral This video was about the value the VX provides
That’s a very special use case tho. Fax is CSR is super niche card (bicycle rental discount. Lolz).
Pro tip. If ur renting car THAT long. Get full coverage (w/liability)!
I consider the VentureX as a $95 annual fee card for 1 year, then net no-cost from there on. I say this because the 10k anniversary points are only after paying your second annual fee.
I just used it for travel insurance on a cruise I just booked, and I had to pay a portion of the cost with my CSR. Remember, there's a $15/month instacart credit and a $5/month Door dash credit. I don't know why people don't count his as migrating the a.f. but it's $240 to add to the $300 travel credit. Nonetheless, I would still get the VX if I could WITH the sub of course, I would never product change to get it.
If you can use instacart then I guess that’s great. For me I’d rather not because, at least here is it an awful service.
@@LukesPointsandMiles It's riddled with fees. I usually can't wait around for a $10 delivery + fees, so I do pick-up, and weird enough there is a pick-up fee of $5 😒☹. I could not believe it, so I am only getting at most $10 worth of goods.
Absolutely love this channel! Super focused on multiple trips a year with family. Let's say, and go with me here, that my wife was a massive Swiftie and an even bigger Disney girl, would you say the VX and SavorOne combo has more value in a 2 player setup than the CSP/CSR with their support(s)? This would be within the context of taking multiple domestic trips every year and not looking to hold 2 flagship cards.
I’d say use both !!!
The reason I got the X was unlimited guest lounge access as I travel with employees/associates couple times a year. I don't go into the lounge if we all can't go into the lounge. My Platinum and Reserve do not grant this. Now I use the card more often than I thought I would. Looks good and it's heavy. Use the link in the description!
Haha. Thank you sir!! I agree the unlimited guests is great.
VX is a keeper card to me because of the net zero AF and the flexibility it gives me. Most of my flights are on Delta and I put my Delta reserve to work for it. I have found the VX portal useful to find the cheapest times to book flights and its price protections have saved me more than once. All those extra benefits just add to the flexibility. It's a keeper.
Thanks for sharing!!!!
U to live dangerously. Few rules to this game but One of the cardinal rules is thou shall not book airfare via 3rd party sites.
I use the $300 towards car or hotel, esp when hotel includes $100 benefit. It’s less risky and painful if something goes wrong
@@newagain9964 I’ll push back on that one. I would rather book a flight. I can include my loyalty number in the reservation and “control” much of that reservation from the airlines app. It’s a much different story showing up to a hotel and they have no idea you’re coming.
@@newagain9964 Booking third party flights credits you loyalty $ and status. Booking third party hotel you can't even use status.
It's all about flexibility to me. Price protection + I've even found cheaper flights with the VX portal in the past vs other portals. I only use it 1 or 2 times a year but that is still a net positive value for the VX.
@@LukesPointsandMiles hmm. Never had to deal with airline issue (book direct). But usually when it comes to cars and rooms, can just get a replacement quick. Just better hope there’s no crazy large event in town at same time. But I usually research b4 I book. As it keeps costs down.
This card isnt for me...and C1 only wants to give me secured cards LOL. You are right Uncle Luke.....diving into all of the lesser known benefits because they arent really talked about just add to the value of the higher end travel cards out there. People dont realize what exactly their card can do for them or not do for them in situations. Good coverage Uncle Luke. Thank you for sharing.
Thank you sir!!
Great video Luke! Sounds like this would be a great card to have if I regularly took 1 trip per year.
Well yes. 1 or more. Haha! Thanks for watching, Gary!!
@@LukesPointsandMiles You're welcome! I enjoy your videos.
Just got back from a trip where the flight on both ends was delayed. Travel protections are serious business and should be taken seriously. Those protections can mitigate the fee of even the most expensive premium card even if you use few other benefits.
Absolutely and they can take the sting off that delay!
Recently booked a trip to 🇨🇷 using the annual credit, I ended up only paying $88 with fees and taxes. Might not have been the best point redemption, but im still learning about travel redemptions.
Keep learning. Almost all redemptions are good ones!!! Some are just gooder.
That's interesting to hear about all the protections that the card offers. My wife and I recently bought two new watches, and let's say they're pretty expensive, so I used my American Express Platinum hoping that the purchase protection would be handy if something were to happen. I haven't dug into the details but I wonder how the Venture x compares to the Platinum and CSR when it comes to purchase protections.
They are similar but I would dig in to see if there are differences.
Buying 3rd party travel/trip insurance is waaay cheaper & easier than u think. And less bureaucracy hoops (and bizarre disqualifications) after u file claim. CSR👀
I’m not sure I’m going to agree with you. If I take 10 trips a year, im not sure I want to buy extra insurance when it’s available on premium travel cards I already have.
@@LukesPointsandMiles agreed. The Avg person is not taking 10 trips a year. Certainly not several pricey trips/yr.
Just wanted to put that out there for 1-2 trips a year folk. Especially if skiing or the like. Medical coverage on travel cards is pretty light.
@@newagain9964 good point.
I travel so much, I'm surprised I've never had to use any of these before. Well, I guess that's what insurance is for, good to have - hope to never use! In any case, sounds like the C1VX has some good protections!
Yeah it’s not just a net zero card. It can actually provide so much more!!
They may not apply if your travel was paid for by points transfer to a partner.
Even tho you’re correct. Almost everything you mentioned is the same for most credit cards. Even the free ones. Nice video tho
Been denied 3 times in past 2 years for this card with a 820+ score. lol.. been wanting to pair this card with my savor one..
Yeah that’s just plain silly. Cap1 is in their own world
The Sapphire Reserve is ditching its restaurant benefit in June or July.
10:03 this was not boring. It was 💯
Thank you!!
Too bad Capital One won’t approve me for a VX due to too many revolving accounts (I’ve applied 3 times)
I thought the same. So i ended up doing a product change for it a while back
Possibly a helpful tip. I used the pre approval tool for the VX back in December and was denied even sending me a letter saying I've opened to many accounts recently. They were all on my Experian from Chase in the past year. I was determined to get the card. After a couple of weeks, I looked at reddit posts and came across one stating to try and freeze your Experian report before trying the pre approval tool. Sure enough, I was pre approved and then approved.
@@DidIDoThaatwow. Haven’t heard that working. Congrats. I hope Chase is as forgiving once I go over 5/24 this year!😂
Poor Aunt Connie! Every episode, I feel like she needs new socks
She can’t keep them on. Or much else.
Their cellphone protection is second to none! I submitted 2 claims this year and both were processed within 4 business days and money DEPOSITED into my account on the 5th day.
Wow. Thank you so much for sharing that with us!!!!
Hi, could you share more on your cases ? Like did you purchase your phone with your vx so you get the phone protection and they reimburse you? Or ? Thank you 😊
LUKE
I got approved for the VX last night! I got so happy I was greedy and applied for the Boundless card right after and I’m under review. I haven’t done business with Chase before so I guess that’s normal?
Likely. Just give them a call. Congrats on the VX!!
Thank you for this video. Just got the card because of you and I’ve booked my first trip. Please don’t make a “why you should avoid venture x” video anytime soon 😅
Haha. The VX is great but it’s not immune to a good roast!!
Travel Insurance is CRUCIAL for me in my decision to apply for a card, or which card to use to pay for a purchase. I.e. Don't just look at the card's CDW coverage, look at how much it covers as well.
It seems like a no brainer “if” you rent cars. And it seems like half the people that watch my channel do.
How pleased have you been with Capital One;s customer service for payment dispute, protection claims etc. ? Vs Amex ?
I don’t think I’ve ever really called Cap 1 CS. Nothing I can remember off the top of my head.
$300 credit? Does that mean you get the credit back when you buy from capital one travel portal or you can buy from any airline websites?
You get $300 within the portal
I might get the venture one ❤
Venture and Venture 1 are good alternatives
@UncleLuke, I need your wisdom. I’ve got the Amex Platinum and Gold duo along with the Capital VX and Savor One duo. I mostly fly domestic and get value from both duos. Which set would you put at the front of the wallet to earn more points this year?
Those pairs are very competitive but if you have both, you’re going to earn more on the Amex set up. Of course you’re also going to pay more in annual fees. They are
Both big league duos.
I think I've repeated the same beginning 40 secs like 5 times .. that's how much I'm just realizing it's like paying for insurance 😅
Haha!
Venture X is the only card to go.
Dino the big league VX user!! Killing it.
I can’t do the venture x because the portal is powered by hopper but when I look at the hopper portal the hotel choices are horrible for the dates and it doesn’t show me the hotels I would want to stay at when I can book them straight from the hotel.
Interesting. I’ve
Not heard anything negative about the hopper.
@@LukesPointsandMiles maybe it’s just my dates and locations but just my 2 upcoming vacations yielded bad results
It’s depends. Sometimes it cheaper than the alternatives sometimes is more pricey. Just like every other portal in web
@@newagain9964 I just wasn’t able to find a single hotel in Anaheim and I’m Maui that I know have available rooms for end of year
@@Gangrenous_Hank sounds like I were trying to Marriott’s free night award. Lolz
Uncle Luke how about the US Bank Altitude Reserve? Seems like a reasonably affordable way to hold a visa infinite.
It’s ok. I think it’s a bit overrated at the moment but it’s a good cash back card for folks that travel I frequently
Uncle Luke, if I purchase Delta flight tickets via C1 portal, will I earn Delta miles? also, if I also hold AMEX Delta Gold Business... do I enjoy the free checked bag if I used VX for the ticket? thanks
When you book through the C1 portal you’ll be able to attach your skymiles number to it so you’ll still earn as a paid flight and with your number attached you’ll still get the free checked bag. Unless something has changed with the delta gold card.
As a family of 4( 2 adults and 2 kids) can qe all enter the centurion lounge with the Amex platinun??
No
Hey Luke - are venture x Miles more valuable or just generally better than Amex or CSR points? I.e., because of transfer partners etc
No. It really depends on what you want to do with the points. There are several overlapping partners but I don’t really think any “one” set of points is more valuable since I like to transfer my points out more higher end flights.
I think Toro is excluded from Visa Infinite cards for coverage. They are not “true rental car services”.
Ive never used them.
My mentor uncle Luke! Do you know if we if we can “hack” the Amex once’s in the life welcome bonus rules by applying twice for the business Gold or Platinum (once with the SSN and once with the EIN) as we can do with the Ink Chase cards?
Thanks by advance! 👊🏼
There are several offers that do not include life time language and most of the business cards are churnable
Would you still recommend the card if I can't meet the sign up bonus? I can still make use of travel credit and all. Would love your input.
This is one of two cards I would get even without the bonus. I didn’t get the bonus for this card. I did a product change.
hahhah i live in Malta welcome brother 😊😊😊😊😊😊😊
That’s so cool!! Can’t wait to visit!!!
But can it save me 15% or more on car insurance?
If you transfer points to an airline and book that way, do the protections still apply?
According to the terms that would be part of the rewards programs and you’d also be paying the taxes and fees so that should count.
What about if you get injured during your international trip? Does Venture X cover any medical expenses? Does any other card do?
I didn’t see that one in the terms. I know that type of insurance is available through 3rd party agencies.
In your opinion, which insurance benefits are better platinum or CSR? 1:16
I’ve only skimmed over the CSR benefits and from what I can remember they have baggage delay and the VX does not. Most are very similar or the same but the fact remains the csr is not a net zero card. It costs much more. The VX has a much lower or no effective annual fee.
Capital One has horrible customer service. There are a few no annual fee cards that offer the same 2X. At least three no annual fee cards offer more than 2X.
Which cards?
@@duartepaintinghandymanservices Alliance FCU 2.5%
Wells Fargo Active Cash 2%
Fidelity Rewards Visa 2%
Citi Double Cash 1 + 1%
PayPal 3% on their transactions otherwise 2%
Sofi 3%
Do you have any data points about trip delay insurance when booking with points? This could just be my experience, but I flew Air France and missed my connecting flight due to flight delays and had to stay the night in Paris. I called Cap 1 and asked about trip delay insurance and they said I wasn't eligible since I had booked with points. I mentioned that I had paid the taxes and fees with the VX, but that didn't move the needle.
I could just have gotten a customer service rep who didn't know the procedures. My wife and I got hotel and food vouchers from Air France, so it wasn't a total loss, which is why I didn't pursue it any further with Cap1.
This benefit is with visa so I would’ve called them
Ahhh, that makes sense. I thought it was through C1, not Visa. Thanks!!!! I'll do that next time
good summary of benfits!
Thanks for watching!!
How do these protections compare against the Plat and the CSR though? I never really considered these benefits before and as a cardholder of the CSR and Plat, I really should know if they have any differences.
There are some differences. For this video though these are benefits of a net zero card. So that changes things. The plat and the car cost more money. The plat does not have primary cdw
There are detailed article written comparing the 3 cards.
What kind of points do you get on this card going through toll roads? Would you happen to know?
Double points
@@LukesPointsandMiles thank you sir
Watched a lot of videos on this card. Was sold after watching yours. Got approved instantly! Thank you
@@edub0524 congratulations 🍾🎉🎊🎈!!!
Subbed !
Hi Luke! I have about 16 credit cards. I got denied for the VX twice. What do you suggest I do if I want this card. Already have plat and CSR. Looking to downgrade my CSR since im coming up on the 4 year mark for another bonus, and after my annual fee hits might close down my plat. Looking for a one stop shop to put all my spend on one card. Should I wait to all my inquiries fall off as well as wait a year or 2 ?
It’s hard to understand Cap1. Do you have any Cap1 cards that you could upgrade into the VX?
@@LukesPointsandMiles Never tought about that!!!
I have a savor one Rewards, does that work?
YOu have to call them and ask@@SK8R729
Im annoyed with capital one. Using there pre approval tool I was pre approve and after submitting a full application I was denied....
Oh man. That’s a pain. I had to apply twice for the savor one.
@@LukesPointsandMiles how far apart did you wait to apply for the saver one the second time?
@@chrissan6015 30 days maybe. They told me to wait 6 months but I didn’t.
@@LukesPointsandMiles thanks for the data points!
Hello Luke. I just got my VX approved yesterday. I had my CSP for over 4 years and product changed it to CFU. Do you think it will be a good idea if I sign up for CSP again and get that SUB? That way I’ll have the VX and CSP combo. Thank you 🎉
Yeah I think I’d want the sub again for sure. I’m not a huge fan of the csp but it’s an easy way to get access to chase partners.
@@LukesPointsandMilesHello, sorry Luke to bother you again. I’m trying to book a flight on c1 portal but it doesn’t show up. It’s a connecting flight, google flights and chase portal shows the same flight. Any suggestions ? Thank you.
@@Codd23 not all portals will have every flight. Seems like you found one that is t offered by the engine that runs the cap1 portal. I would suggest booking the flight directly with the airlines if time is an issue.
@@LukesPointsandMiles okay thank you for your reply 👌
Do you have to book a rental car through the Cap1 portal to get the CDW? Or can you use the rental company portal and just pay with the VX?
Directly with the rental company
We've booked cars twice directly with National and used the VX CDW. Just make sure to decline theirs at the desk when you pickup.
@@LukesPointsandMiles that's cool, status with car rentals can really help
It was me right? Im the guy? 😂 to be fair I said the protections and priority pass restaurants lol.
There you go!! It makes so much sense!!!
How long have you been training? 💪
25 years.
Everything about the card is nice except it comes from Capital One.
Yeah. I can understand that.
Which Amex card is most used by grifters though?
I honestly dont know. I swear the credit card youtubers I've met are all solid dudes.
@@LukesPointsandMiles😂😂 I’m just messing with you uncle Luke lol
Probably AMEX gold. Iconic look and feel of superficial wealth and trust me bro sentiment .😂
@@newagain9964 took the words out of my mouth lol
I wonder how you guys in the "CC Game" get around getting rejected due to high number of inquiries in your credit report. Have a >750 score, zero negatives, own home, no debt, very high income, no balances, about $250K in current CC credit lines, and yet got rejected by Wells Fargo for the free autograph due to "high number of inquiries". Seriously??
I’m at the point where I’m getting declined for cards. So it’s break time for me
This guy looks like a Strongman contestant.
I’m way too short. 🤣
No, I prefer Altitude Reserve over Venture X. Much better card. Going to downgrade Venture X to Venture One.
🤣
Venture X is useless right now. No one can sign up for Priority Pass.
Not sure what you mean.
@@LukesPointsandMiles People could not sign up for Priority Pass. Took them more than one month to fix the problem.
@@Milburn_Pennybags priority pass is a completely different entity and company than capital one.
@@LukesPointsandMiles Everyone knows that. This was a well documented issue with both companies that took months to resolve.
Capitol one= denied
Sorry for your loss. 🤬
Hello sir. So I've got a question regarding upgrading to the Venture X from the Venture. When would be a good time to apply? (i.e. the most likely to be approved). It's not showing up on the Capital One pre-approval page although the Savor One does. That being said I have excellent credit and only 3 total cards.
I would just call them and ask to upgrade. And if the savor one is on the preapproval page I’d grab that one as well.
@@LukesPointsandMiles duly noted! Appreciate it, subscribed