Thanks for the info. I have a mail pre-approval for the Chase Freedom Unlimited, and I’m thinking of going the Chase route or going back to Capital One.
The Savor One's entertainment category is super underrated. I've even had it code merch purchases at certain concerts as entertainment rather than merchandise, which considering how expensive merch can get, can be a bonus.
That's how it is at the Bengals Stadium. It all codes as the actual Sports Team (Entertainment) plus the entire stadium doesn't take Amex (because the owner is a cheap ass)
Literally got rid of my Gold Card yesterday 😂 Had it for a year, got my 90k points then heard about the price hike and the stupid Dunkin’ Donuts credit and I knew it was time to break loose lol. currently just my Venture X and Savor 1, the simplicity is relieving!
Completely agree Luke, the Savor One is easier to justify as a keeper card. Especially after the Amex Gold leaned more into the statement credit game, which makes it more troublesome to manage for everyone and doesn't even provide more value for many folks.
After August 11, most likely to be safe 13 months after which is around September 11, I can always downgrade back to green, but I don’t value the credits on green. If I don’t get a good retention offer next year on gold, I’m gonna end up closing it, but at least my points will be safe with the blue business plus.
I love that when I’m at an event space, which most often either code as entertainment or dining, I can confidently pay with the SavorOne. Also, that’s a GREAT point that you can walk away/take a break from the SavorOne at any time. Great for when you’re working on a SUB.
Heck yeah it is! Most people aren't buying 32k in groceries and eating out to cover the $325 annual fee. The credits also just don't work for a lot of people and such a hassle... C1S1 all day
Great video Luke! I love the 10x earning on Uber from Savor one, plus the credit for the UberOne membership for a few more months. Even though I have the Cap1 duo and really like it as a duo, I did jump on the Amex gold once again to earn more Amex points, though given its fee it needs to be regularly evaluated for value and can always get rid of it if necessary. Another advantage for the Savor One being a World Elite Mastercard it gives access to the Mastercard travel perks that has some similarities to FHR. But you pretty much said it, that Cap1Duo is great and doesn’t require heavy commitment to make up the fee like the Amex Gold does.
I'm convinced that unless you're spending $1,500 - $2,000+ per month on both dining and groceries, any other NAF grocery/dining card would be better than the Amex Gold. But maybe I'm missing something, I don't know.
@@TheCreditFrog Stan - I'm convinced that although some of us think it's a fun game (getting the credits) so many of us never realized we're working for Amex. Putting a hard hat on every day and going to get the credits! haha
We spend roughly $1600 ish a month on groceries and dinning. We are also a family of 4 so the gold card has been stellar for us. We still use the savor one but not as often as the gold. 🤷♂️
The current change has actually turned my effective annual fee from $10 to -$15 with the Resy credit. It’s easy for me to use all the credits so it’s a no brainer to stick with the Gold card. If you struggle to use the new benefits, using the Savor One is easy.
That’s awesome. I’ve never used Resy for anything so I’d have to go out of my way to use it and most of the other credits. I could do it but it’s too much work
Total side note but I've noticed Capital One is pushing the saver and venture X a ton in between the football game commercials. I've never seen credit card companies push as much as they have but even during the UFC fights this past weekend in between every fight there was a Capital One venture X ad
Excellent uncle Luke, you hit the nail on the head with the SavorOne vs Amex Gold. I’m glad with my duo set up, S1/V1. I don’t really need a VX for now
I stack the Savor card with AA Dining to stack AA miles AND Capital one miles. Basically 8% back on those. Plus the 10x back on Uber Eats with free member ship and the Uber Eats promos.
I'm with you, brother! I have the Savor card, but that $95 AF is easily made up with one category. I pay $12k for my local MLS season tickets. My Savor also has/has Uber One monthly credit, plus I've been earning 10% on Uber Eats and Uber the past year and will do so until November. I pair this with the Venture X and I'm golden.
Yeah, it looks like you're an example of why Capital One should not cancel its offering of the Savor card. A lot of Amex Gold refugees would love it, but Capital One seems uninterested in getting them on board.
@@franciscanstudent, I couldn't agree more! I haven't heard if they're going to continue to honor the Savor and it's earnings or make a change. I hope they keep my earnings like they are. We shall see!
I prefer the cash triangle: [Citi Custom Cash - 5% Gas] [SavorOne - 3% Food/Entertainment] [WF Active Cash - 2% Everything] $0 fees and all the benefits you talked about. Everything I buy is 2 to 5% back no BS. Gotta play the system or it'll play you. Don't carry a balance! Lol...
@@LukesPointsandMiles 🙌 The Power Pentagon is adding [Chase Amazon - 5% Amazon] [PayPal MasterCard - 3% PayPal] to get almost anything online 3 to 5% still no fees all $$$ back. When it comes time to travel find the best price and get 2% back with the WF-AC. I've found no better way over the years,. Miles, rewards, and hotel cards just not worth the effort or spending.
Beauty is I only carry 2 cards; C1 and WF, the gas card stays on the truck. Other 2 are online and the PayPal card is set as my Tap2Pay so that's 3% using my phone no matter what the purchase!
I actually have both cards and they work amazingly together when using Uber and Uber Eats. The Gold card gives me the $10 a month credit for Uber/Uber Eats and the Savor One gives me a whopping 10% cashback on Uber/Uber Eats purchases.
It’s seems inconsequential but I also enjoy seeing my cash back and miles go up every couple of days. Haven’t redeemed any travel on capital one yet, but I’m looking forward to that once I have like 250k miles.
@@newagain9964 They do bonuses, but I do agree with you that, as far as banking is concerned, chase is a better bank to build a relationship with. Once you make over a certain amount and have over a 760 though none of this really matters.
FACTS Luke! The gold card is trash. I think the savor one categories puts it above the CFF, but I like my UR points more than C1 miles. I don't put a lot of spend into the entertainment category, certainly not enough to use it over the CFF. However, the 10x on Uber and free uber subscription is outstanding and I use it endlessly. You have basically a $5k spending requirement on food to overcome the Gold AF, it's simply not worth it... I wish they had the Savor One Rewards card still ($95 AF, 4x on dining). Thanks for the video.
I have to agree Luke. The Gold is high maintenance for too little returns. I'm planning to get the Savor card in a cpl days to compliment my VX. I preferred the Savor to the Savor1, but they discontinued it - great breakdown👍🏾
I def got the Gold too early! I am ALWAYS chasing a SUB, so the Gold goes unused most of the time. If the Sav1 is unused, no big deal, its there when u need it. I was out from under the gold, but they threw a retention offer at me, so I got 309 days left with it LoL. Thanks for the video Luke, no one will listen to the advice, but it is great advice.
I would have gladly signed for the Amex Gold card, but I mistakenly got the Plat first, so Amex lost me there. I originally got the Savor One for the 3X cash back but I expanded to the Venture (and later Venture X) and now move the 3X bonuses over. Building up sweet sweet Aeroplan and Avios options 😀
You are spot on. I have both cards and I am currently overseas, and I will be for awhile. AMEX is not good at all grocery points x1. Saver one grocery points x3. none of the credits can be used overseas offered by AMEX. It has become a terrible card.
Just swapped Amex Gold for Plat for 100K bonus. Rejected for SavorOne, so we use Citi Custom 5X groceries + Chase Flex for 3X dining, better than 4X 4X AX Gold because we spend more on groceries...
Are you Cincinnati native???? I heard you say Bengals!!!!!!! Great video! I was contemplating the Amex gold but may go for the Savor. I really like Am Ex Blue Cash Prefered 6% cash back on groceries
Great video as always, Luke. Its tough to justify dealing with jumping through the AMEX Gold hoops when you have the SavorOne and BILT as no-nonsense alternatives. I get a $100 corporate account discount on my Gold card and I'm still thinking about cancelling it. Statement credit fatigue is real....
The American Express cards are so overhyped like you said there's a good chance you will not even have your card accepted overseas and on top of that you won't earn any of these multipliers overseas. So unless all of your travel is domestic then American Express is absolutely worthless in my opinion. The venture X and saver combo will get you so many more points
Man I can’t deal Capital One credit cards; even though I love their savings & checking. Citi & Capital One are strange. Verizon Visa Signature card is my future for groceries & and takeouts replacement for the Gold.
In terms of fees and flexibility; I agree any other dining/grocery card is probably a better fit for most people. The rest of us just can't hang with the average dining card though, and for that Amex holds onto our pockets with annual fees. 😂🎉
Like any card, the Gold is obviously good for the SUB and the first year if you use the SUB for a sweet redemption. But it's extremely hard to justify the card long term thereafter. It's just annoying and it doesn't benefit us as card enthusiasts when Amex or any issuer for that matter decides to go with the coupon book strategy rather than improving card multipliers. Imagine 4x on entertainment on the Gold card and a raised annual fee? I think that would have made the card much more worthwhile to justify keeping instead of a raised annual fee and just more credits to show for it.
@@LukesPointsandMiles I dunno. It seems that the Costco anywhere Citi card comes kinda close, if the grocery shopping is done at Costco. I've never used its travel benefits (as I have the venture x for that), but it seems like a legitimate contender in the same weight class as the Amex Gold, albeit with different skills and a special home turf.
I wish that I could get either. Been trying to product change from the venture one to the savor one. No luck there. In pop-up jail for anything AMEX related.
While only traveling domestic for the next few years, I prefer the travel partners of AmEx (and Chase). I may consider the Savor One when I start doing international travel.
@@LukesPointsandMiles I fly mainly on SW from Hawaii to the west coast as my wife flies free with the CP. My college daughter flies Hawaiian to and from LAX.
I do most of my grocery shopping at a local neighborhood market walmart & none of my credit cards will code there as grocery except my gold ole amex Gold or BCP. So its a keeper for me. However, i do have the cap1 S1 for international trips & like the 3x on entertainment
New subscriber here! Love your videos. Was really considering the Amex gold until that AF was increased. Now I have more thinking to do 😂 Nice shirt btw, where is it from?
This might not be popular, but this latest Gold Card refresh is actually an improvement in my opinion. Dunkin Donuts, Resy Restaurants, and Five Guys are all over town in my area. It’s sure easier than Shake Shack and Milk Bar and trying to only pay a $10 annual fee. I’m not saying it’s a great card; it’s just easier to get positive value than it was.
@@shit_for_brains it’s awesome if you can spend organically like that but I’m thinking 38purchases throughout the year doesn’t seem like a natural thing to do. I think some of us are fooling ourselves.
@@LukesPointsandMiles Oh, I agree. Listen, I’m not saying it’s a great card. I just think it’s better than it was. With a little work, you can get more than $325 back. Before, getting even $240 was probably unrealistic.
Agreed. Bottom line for me is that neither card gives any kind of helpful status, especially if you already have the Amex Platinum. So why not start at $0 instead of -$325?
Uncle Luke didn’t let me down. I agree with all of your points. Funny that I can agree prior to listening. Good video! (I’ve been meaning to leave this comment hours ago. I’m happy my RUclips app didn’t refresh 😆).
Using my Gold Card till my AF hits again in April. I’ll just pile on the points and use the BBP to keep my points alive. I’ll be canceling the card then due to the ridiculous $325 AF.
Once again, great video. Definitely considering this duo for my next set up. Question: This might be considered heresy in the travel card world, but do you have a preferred travel portal? The reason why I ask is because, more often than not, I’ve found myself booking travel through the Chase’s travel portal. This was because, even though I mainly use Chase points for Hyatt redemptions, Hyatt award availability isn’t as available as I thought it would be. On the portal, however, no problem. Additionally, when I needed to book IHG hotels, I found it less expensive (points) on the portal that I would’ve been charged if I transferred points directly to IHG and booked it that way. Disclaimer: these are simple domestic redemptions. Video suggestion/request: a video comparing the pros and cons of the three main travel portals (AMEX, Chase, capital one) Thanks, Luke!
@@SrvdusPancaax I don’t know if I have a preferred portal. If I’m looking at non chain hotels I usually just book to earn the currency I’m trying to build up.
Yeah man that’s an over looked aspect is that you don’t actually even need to use the Duo. Makes churning Chase cards easy. Also if I had to be real, the acceptance rate is what kills me on Amex. I’m not going over seas to spend 2 to 3 k on dining in two weeks not to earn x4, no way.
For dining, I have the Bilt and Freedom Flex product changed from an Freedom Unlimited and if I use it as a top dining category, the Venmo Visa and when on quarterly categories the Flex and the Discover It. For Entertainment I have a bunch of 2% cards and if I use it as a top dining category, the Venmo Visa and when on quarterly categories the Flex and the Discover It. For Airlines I have the Bilt and a bunch of 2 percent cards. For Groceries and Gas, I have 2 Citi Custom Cashes and one of them was a product change from a Double Cash, also Blue Cash Preferred that even if I downgrade it to a Blue Cash Everyday because of the On U.S. Online Retail Purchases. That still doesn't include the once a year that the Freedom Flex and Discover It cards can be for Entertainment, Groceries and Dining as a rotating quarterly category. I can use the Gold and my effective annual fee after the credits would be a $1 after using the 3 credits for Dunkin, on GrubHub and Uber Eats. I wil get coupon fatigue though. My annual fee isn't due until after March 14, 2025. I upgraded from Green on August 11, 2023, so I might downgrade sooner to Green or stick it out until my next renewal date with Gold and see if I get a good retention offer to stay on Gold, downgrade to Green or cancel the card altogether. My Amex points will be safe because of my BBP.
Love this breakdown! The capital one venture was one of my first credit cards years ago. Just got into the credit card game 6 months ago. I’m thinking about getting the venture X. I don’t want to product change and miss out on the SUB for the venture X. Could I apply for the venture X and product change my venture to the Savor One? Also thanks so much your channel has helped me so much so far!
I personally switched my venture to the Savor first then applied for the Venture X. I only had the venture for about 6 months and was able to "upgrade" to the Savor. Applied for the Venture X maybe a week later and got approved.
@@TheRatatar ok thank you for this info! I’m hoping it’ll work to change to the SavorOne then as well as. Then I can apply for the venture X right after
@@nickknight1058 venture x has the bigger sub. So, I recommend getting that one and making sure that you can grab the sub. Then, you can apply for the S1 and get its sub. Then, product change that old venture card into something with no annual fee or just cancel it.
Have the same thoughts. I think he's salty that AMEX took away his referrals. Capital One customer service ruins everything. They side with merchant every time.
@@castro1223 I’m not Salty, I’ve never gotten a lot of referrals. Or money from youtube in general. I do this as a hobby part time. Thanks for commenting though.
Capital One is good on paper. I wouldn't be so quick to hype it up though. Their customer service is pretty terrible. Everything is a fight with them. Amex, on the other hand, has some of the best service in the game. I gotten value with the venture x and have the savior one, but it's always been a huge pain in the ass.
I’ve been with Cap1 for like 15 years and I’ve never experienced “terrible” service. I’ve been with Amex for a long time as well and here is a clear decline there. Not saying they’re even.
@@LukesPointsandMiles I've had consistent issues. Every time I've booked trips and had to make changes there are always issues. Everything is a gimmick with them. Their customer service is absolutely dreadful. No help, they are rude AF, I've had agents hang up on me, it's a joke how bad they are. Capital One is contracting with the cheapest bottom tier reject Indian call centers. If you hard churn and don't mind dealing with assholes then Capital One is ok. I would never recommend them to anyone who wasn't an advanced points and miles users. For God sakes, even their application process hits every bureau and they'll reject you if you have an 800 credit score, because they want customers to pay that 29% apr.
Yep. That 1x just isn't enough to justify the work. And I know the argument that card mutipliers don't matter us somewhat true, but honestly, I use subs mostly for bigger, more irregular spend qnd non-bonused purchases. As such, subs tend to pull velocity away from my Venture X. I still think there's room for an easy setup for ongoing soending. The Savor One is just better for that. Dont put your mental effort in $7 credits; put your energy into sub strategy, spend for status or benchmark bonuses (like companion passes or FNCs). If the ongoing multiples dont matter that much, then take the easy 3x (also: the DPs suggest the Savor One is more expensive in its xosing than what Amex does) that requires no thought and then focus on what does matter.
I don't want Amex to tell me where to spend my money or where to go eat. Its annoying trying to use the credits just to dig out of a -$325 hold every year.
I cancelled Gold around 2 years ago, thats when they replaced airline credit with useless uber. One year they had both airline and Uber credits, and i was trying to use all 24 of them. Uber was a PITA and money loser. And I went every month to Cheesecake factory to buy $10 GC and then once a year we went there to eat. This was PITA as well, so I just cancelled.
I’m quite conflicted. I’ve been banking with capital one for years but using an Apple Card, looking to get a card to start earning better rewards. I was leaning towards getting the savor one and then venturex. But my SUB offer from Amex gold is 100,000 points at the moment. What do you recommend?
@@daktothefuture152 that’s a tough decision be use the gold card has such a great bonus. I would get the Cap1 cards because the Amex bonuses will always be there.
@@LukesPointsandMiles No, I was being sarcastic. It just seems ironic that a die hard Gold/Plat user would be incentivized to use both Equinox and Dunkin, and Saks and Walmart for that matter. Amex probably doesn't care, whoever will subsidize their credits, but it does make you scratch your head sometimes.
@@LukesPointsandMilesNot anymore! Look into getting a Suica transit card added to your digital wallet. You can easily add money to it, and it’s what you’ll need for most local transit.
You have to be careful with the gold card and groceries. When they say supermarkets they mean it. My savor one earns it anything that codes as grocery. I recently put my hello fresh on my gold card just because I was thinking groceries and didn't earn 4X
Only issue is the 0.5CPP cashout of Venture X? I like Chase ecosystem because it's 1 CPP cash out. And at least if one has the setup iwth amex they get 1 to 1.1 cpp cashback.
@@jenniferw8963 not exactly, Amex is .6 if we are comparing and you can easily get 1 cpp with cap1 if you are erasing a travel purchase which is pretty easy at least in my experience.
@@LukesPointsandMiles Thanks Luke. Yeah my perspective is pretty limited as I never travel. No flights, no hotels, no train, no uber etc. Well I do use a hotel at times, like If I am driving out of state for a medical procedure for example. But I use WoH usually -- $125 room for 50, etc.
Great Video! I don't think anyone bothered to do a break-down of Amex Gold vs. C1 Savor (the $95/year one), but that's a moot point now. What would be cool is to see a break-down of the Capital One Duo vs. the duo of Amex Gold & Amex Platinum. For most folks, the Capital One Duo is better, but there have to be some folks who would really benefit from switching to the Amex duo, apart from any consideration of SUBs. Otherwise, there would be basically no reason to stick w/ Amex, apart from retention offers.
@@franciscanstudent I think the gold and platinum are for a much different customer, however, I think a lot of gold and platinum holders are a little confused about where they are on the food chain
You guys always overstate the hotel values with these cards! No card has great hotel benefits, and I have Chase and capital one, and I don't care about hotels I can find good hotels through their portals. The portals offer great value sometimes.
lie after lie, amex gold does accept a bunch of international shopping or groceries I flight to south america and they do accept it. is not for everybody for me I spend money atleast one time outside in food anyways so I do spend the annual fee in food outside easily and I know a lot of other people do too but they cry so much to pay the annual fee when they spend that in food anyways...
@@kennyplayer7731 it’s awesome that you easily find places overseas that except Amex. I just got back from Europe last month where it was excepted at around half the places i tried to use it. I think one thing you might’ve misunderstood. The Amex gold does NOT earn 4x at super markets outside the US. I know it’s the internet but saying someone is lying over and over again is very strong language. I’m not sure I understand the other part where you say you spend the annual fee on food easily. But hey it sounds like the gold card works great for you. You are winning! Most folks are not doing better with the gold than they would be with other cards.
@@DavidGarciajrtx true and even though it’s been the most popular card (VX), folks still hold onto that perception. Especially those with no actual experience with Cap1
@@L-Man-Gaming I got it last month with the 90k sign up bonus at the 250 annual fee. I’m technically getting more than 4x on every purchase + all the new credits. But for the places it’s not accepted I’m at least getting 3x back on the savor one
@@carlosleshawn Drop the Gold card bro. I got the 90k sign up bonus with the $250 AF too but I quickly canceled it when I got the Savor One. Can't justify the AF if they are forcing you to use their coupon book of "credits" when you have to dish out the money upfront. Common sense.
@@LukesPointsandMiles Def uncle Luke! I’ll keep it a year, then reevaluate. Gotta keep my Amex relationship good so I can get that 175k platinum sub next
The ability to receive your Capital One miles within a few days of your purchase is underrated. Chase points take so long to hit your account
@@JacobsPointsAndProfit preach!!!! Haha
How long does chase take?
@@hc2777 I think Chase waits until the following billing cycle. It definitely take a lot longer
@@LukesPointsandMiles
Damn that is a long time 😬
Thanks for the info.
I have a mail pre-approval for the Chase Freedom Unlimited, and I’m thinking of going the Chase route or going back to Capital One.
The entertainment also picks up aquarium and zoos. I agree with you the Savor is versatile and simple to integrate in and out of a set up 👍🏼
And no opportunity cost at all!
The Savor One's entertainment category is super underrated. I've even had it code merch purchases at certain concerts as entertainment rather than merchandise, which considering how expensive merch can get, can be a bonus.
That's how it is at the Bengals Stadium. It all codes as the actual Sports Team (Entertainment) plus the entire stadium doesn't take Amex (because the owner is a cheap ass)
Typically it up to the merchant to choose from a select list of codes (provided by issuing bank), and not bank.
@@newagain9964 yeah but if you don’t know if it’s a restaurant or a sport entity, either way the savor one is 3x
@@LukesPointsandMiles yup. But careful. Several types of entertainment don’t get 3x. Like some sporting events, golf (😒) and “membership services” (🤔)
@@newagain9964 yeah I think at one point college sports didn’t get 3x. Or maybe that was a different card. But still weird
If I’m looking for a credit card this is the only guy I’ll listen to, always love the videos 🤙🏼
@@aaronyarbrough89 hey thank you for the kind words!!!
Literally got rid of my Gold Card yesterday 😂 Had it for a year, got my 90k points then heard about the price hike and the stupid Dunkin’ Donuts credit and I knew it was time to break loose lol. currently just my Venture X and Savor 1, the simplicity is relieving!
Nice move! The gold with a high bonus will always be worth it for the 1st year!
How much is 90k worth in cashback or amex portal? I've seen different answers on Google.
💯💯💯 Not missing the Gold at all. Thanks for the info + video!
Jimmy! I have been without it since April and I have not missed it at all. Guess how many times I'vbe ordered Uber Eats or Grub Hub? ZERO!
@@LukesPointsandMiles 🤣🤣🤣
@@LukesPointsandMiles plus, the Savor One gives you 10% back on your Uber eats purchases and complimentary Uber One for the time being
again, for free!!
Completely agree Luke, the Savor One is easier to justify as a keeper card. Especially after the Amex Gold leaned more into the statement credit game, which makes it more troublesome to manage for everyone and doesn't even provide more value for many folks.
@@MontyTheCardNerd yes sir!!
After August 11, most likely to be safe 13 months after which is around September 11, I can always downgrade back to green, but I don’t value the credits on green. If I don’t get a good retention offer next year on gold, I’m gonna end up closing it, but at least my points will be safe with the blue business plus.
@@Th33Vultur3 Yeah I'll always keep a BBP around. Even if I go full nuclear on AMEX
@LukesPointsandMiles when did u get the savor one card? 🧐
@@ToboeKey309 It's only been a few months. Fairly recently
I love that when I’m at an event space, which most often either code as entertainment or dining, I can confidently pay with the SavorOne.
Also, that’s a GREAT point that you can walk away/take a break from the SavorOne at any time. Great for when you’re working on a SUB.
@@AdamBA380 💯!!
Heck yeah it is! Most people aren't buying 32k in groceries and eating out to cover the $325 annual fee. The credits also just don't work for a lot of people and such a hassle... C1S1 all day
Yes sir!!!
Great video Luke! I love the 10x earning on Uber from Savor one, plus the credit for the UberOne membership for a few more months. Even though I have the Cap1 duo and really like it as a duo, I did jump on the Amex gold once again to earn more Amex points, though given its fee it needs to be regularly evaluated for value and can always get rid of it if necessary. Another advantage for the Savor One being a World Elite Mastercard it gives access to the Mastercard travel perks that has some similarities to FHR. But you pretty much said it, that Cap1Duo is great and doesn’t require heavy commitment to make up the fee like the Amex Gold does.
@@luisserrano863 I also like the Mastercard for simply miles towards AA status!!
I'm definitely canceling my Amex Gold before my annual fee hit in November. I use my Savor One way more often.
Its a great card that, imo, has suffered under this new Amex Business model.
I'm convinced that unless you're spending $1,500 - $2,000+ per month on both dining and groceries, any other NAF grocery/dining card would be better than the Amex Gold. But maybe I'm missing something, I don't know.
Also, yes, coupon fatigue is real and should always be a consideration with Amex moving forward
@@TheCreditFrog Stan - I'm convinced that although some of us think it's a fun game (getting the credits) so many of us never realized we're working for Amex. Putting a hard hat on every day and going to get the credits! haha
We spend roughly $1600 ish a month on groceries and dinning. We are also a family of 4 so the gold card has been stellar for us. We still use the savor one but not as often as the gold. 🤷♂️
@@FlyWithRookie I spent around the same amount. I still don’t think jumping through the 38 hoops is worth the extra 1x.
@LukesPointsandMiles 38 is a stretch but you are a professional AmEx hater so whatever floats your boat
The current change has actually turned my effective annual fee from $10 to -$15 with the Resy credit. It’s easy for me to use all the credits so it’s a no brainer to stick with the Gold card. If you struggle to use the new benefits, using the Savor One is easy.
That’s awesome. I’ve never used Resy for anything so I’d have to go out of my way to use it and most of the other credits. I could do it but it’s too much work
Love my VX/S1 combo. Great video as usual!
@@patfisher3004 thanks Pat!
Total side note but I've noticed Capital One is pushing the saver and venture X a ton in between the football game commercials. I've never seen credit card companies push as much as they have but even during the UFC fights this past weekend in between every fight there was a Capital One venture X ad
@@Cryptid71 wow. That’s interesting.
Excellent uncle Luke, you hit the nail on the head with the SavorOne vs Amex Gold. I’m glad with my duo set up, S1/V1. I don’t really need a VX for now
@@chrisv4920 since. Love the V1 as well!!
I stack the Savor card with AA Dining to stack AA miles AND Capital one miles. Basically 8% back on those. Plus the 10x back on Uber Eats with free member ship and the Uber Eats promos.
@@The_Turd_Ferguson love the AA dining stack!!
I'm with you, brother! I have the Savor card, but that $95 AF is easily made up with one category. I pay $12k for my local MLS season tickets. My Savor also has/has Uber One monthly credit, plus I've been earning 10% on Uber Eats and Uber the past year and will do so until November. I pair this with the Venture X and I'm golden.
Yeah, it looks like you're an example of why Capital One should not cancel its offering of the Savor card. A lot of Amex Gold refugees would love it, but Capital One seems uninterested in getting them on board.
Yeah the savor is great for high ticket entertainment purchasers.
@@franciscanstudent, I couldn't agree more! I haven't heard if they're going to continue to honor the Savor and it's earnings or make a change. I hope they keep my earnings like they are. We shall see!
I prefer the cash triangle: [Citi Custom Cash - 5% Gas] [SavorOne - 3% Food/Entertainment] [WF Active Cash - 2% Everything]
$0 fees and all the benefits you talked about. Everything I buy is 2 to 5% back no BS. Gotta play the system or it'll play you. Don't carry a balance! Lol...
@@HKmaroLS1 strong moves!!
@@LukesPointsandMiles 🙌 The
Power Pentagon is adding [Chase Amazon - 5% Amazon] [PayPal MasterCard - 3% PayPal] to get almost anything online 3 to 5% still no fees all $$$ back. When it comes time to travel find the best price and get 2% back with the WF-AC. I've found no better way over the years,. Miles, rewards, and hotel cards just not worth the effort or spending.
Beauty is I only carry 2 cards; C1 and WF, the gas card stays on the truck. Other 2 are online and the PayPal card is set as my Tap2Pay so that's 3% using my phone no matter what the purchase!
I actually have both cards and they work amazingly together when using Uber and Uber Eats. The Gold card gives me the $10 a month credit for Uber/Uber Eats and the Savor One gives me a whopping 10% cashback on Uber/Uber Eats purchases.
Very good point!
Getting rid of my Gold too. Fee increase with some random crappy "credits" did it for me. I'm done.
It’s seems inconsequential but I also enjoy seeing my cash back and miles go up every couple of days. Haven’t redeemed any travel on capital one yet, but I’m looking forward to that once I have like 250k miles.
@@Dreamer-kd2jv it seems like Chase takes forever to post points and sometimes it drives me crazy
Problem with cap1 is they don’t do transfer bonuses. That and they’re not a very good bank to do business with. Pretty good IT tho
@@newagain9964 cap1 definitely does transfer bonuses. Just not as many as the others.
@@newagain9964 They do bonuses, but I do agree with you that, as far as banking is concerned, chase is a better bank to build a relationship with. Once you make over a certain amount and have over a 760 though none of this really matters.
FACTS Luke! The gold card is trash. I think the savor one categories puts it above the CFF, but I like my UR points more than C1 miles. I don't put a lot of spend into the entertainment category, certainly not enough to use it over the CFF. However, the 10x on Uber and free uber subscription is outstanding and I use it endlessly. You have basically a $5k spending requirement on food to overcome the Gold AF, it's simply not worth it... I wish they had the Savor One Rewards card still ($95 AF, 4x on dining). Thanks for the video.
@@JesseMeacham-n6v thanks for watching.
Dining nd groceries that work for me the most
I have to agree Luke. The Gold is high maintenance for too little returns. I'm planning to get the Savor card in a cpl days to compliment my VX. I preferred the Savor to the Savor1, but they discontinued it - great breakdown👍🏾
@@nubianpwr yeah I’d like a shot at the savor as well but I was too late!!
I def got the Gold too early! I am ALWAYS chasing a SUB, so the Gold goes unused most of the time. If the Sav1 is unused, no big deal, its there when u need it. I was out from under the gold, but they threw a retention offer at me, so I got 309 days left with it LoL.
Thanks for the video Luke, no one will listen to the advice, but it is great advice.
Haha! It's OK PhilMo! As long as a few watch and we can discuss it, it's worth it. I have been a long time Amex Fan Boy so I understand.
I would have gladly signed for the Amex Gold card, but I mistakenly got the Plat first, so Amex lost me there.
I originally got the Savor One for the 3X cash back but I expanded to the Venture (and later Venture X) and now move the 3X bonuses over. Building up sweet sweet Aeroplan and Avios options 😀
Nice Moves!! I'm sure you can tell. I'm a huge fan of the Cap1 Duo!~!
You are spot on. I have both cards and I am currently overseas, and I will be for awhile. AMEX is not good at all grocery points x1. Saver one grocery points x3. none of the credits can be used overseas offered by AMEX. It has become a terrible card.
@@mehran888 definitely not for folks outside the US.
Just swapped Amex Gold for Plat for 100K bonus. Rejected for SavorOne, so we use Citi Custom 5X groceries + Chase Flex for 3X dining, better than 4X 4X AX Gold because we spend more on groceries...
Nice move! Plus if the CCC is enough for groceries then you were definitely not getting a lot out of the gold!
Are you Cincinnati native???? I heard you say Bengals!!!!!!! Great video! I was contemplating the Amex gold but may go for the Savor. I really like Am Ex Blue Cash Prefered 6% cash back on groceries
@@ginafumi3010 I’m in central Ohio but we are a bengals family so we are in a Cincy often
Love the Venture X and Savor One combo. Simple.
💯
About to pc my venture one to saver one. Great vid
@@minhajkhaled7 thanks for watching!!
Well said!
Thanks for watching!
Love the video Luke. Add me to the list of people who are curious what Cap1 will do come November for the Uber eats benefit.
@@wilfredpapaya4739 il
Not optimistic but anything they do is a bonus
Great video as always, Luke. Its tough to justify dealing with jumping through the AMEX Gold hoops when you have the SavorOne and BILT as no-nonsense alternatives. I get a $100 corporate account discount on my Gold card and I'm still thinking about cancelling it. Statement credit fatigue is real....
@@jtravisdavid I canceled at $250. $325 I wouldn’t even consider it
The American Express cards are so overhyped like you said there's a good chance you will not even have your card accepted overseas and on top of that you won't earn any of these multipliers overseas. So unless all of your travel is domestic then American Express is absolutely worthless in my opinion. The venture X and saver combo will get you so many more points
@@Cryptid71 Amex will still rack up tons of points when you’re stateside. Just remember to bring that visa/mastercard when you cross the pond.
Man I can’t deal Capital One credit cards; even though I love their savings & checking. Citi & Capital One are strange. Verizon Visa Signature card is my future for groceries & and takeouts replacement for the Gold.
i cant deny that! Both of them have been tricky with me!!!
@@LukesPointsandMilesCapital One did a switch & bait on a bonus. I don’t forget and can’t deal with their three hard pulls
See i dont care whatsoever about any hard pulls. I stay on 20 hard pulls.
Synchrony is way worse than Cap one
@@user-wc5lw7ps6h1 had no problem with synchrony bank with Verizon; it has been phenomenal and great
In terms of fees and flexibility; I agree any other dining/grocery card is probably a better fit for most people. The rest of us just can't hang with the average dining card though, and for that Amex holds onto our pockets with annual fees. 😂🎉
The gold is still a monster eater. No denying that.
Couldn't pass up that 100k SUB. Team White Gold baby!!!
@@jordanginos9557 that’s a great sub!!
You are my new fav cc guru
@@JoeLouis46 thanks Joe but I’m no guru. I’m just a dude that talks too much!!
Thanks for the video Luke. Gives me a bit to think about.
But hey you know - since i cancelled by Gold Card I'm not longer qualified to talk about it!!! Ha!
@@LukesPointsandMiles Haha, I know right. 🤣🤣🤣
Like any card, the Gold is obviously good for the SUB and the first year if you use the SUB for a sweet redemption. But it's extremely hard to justify the card long term thereafter. It's just annoying and it doesn't benefit us as card enthusiasts when Amex or any issuer for that matter decides to go with the coupon book strategy rather than improving card multipliers. Imagine 4x on entertainment on the Gold card and a raised annual fee? I think that would have made the card much more worthwhile to justify keeping instead of a raised annual fee and just more credits to show for it.
Yeah that would’ve been a much different looking product!!
@@geraldalves9107 agreed, especially since Capital One is phasing out the Savor.
But to optimize the C1S1 for travel, you need ANOTHER C1 card to unlock transfer partners. AmEx Gold is stand alone.
@@michaelgrayson409 100% correct. No one card can do what the gold can do. No doubt about that.
@@LukesPointsandMiles
I dunno. It seems that the Costco anywhere Citi card comes kinda close, if the grocery shopping is done at Costco. I've never used its travel benefits (as I have the venture x for that), but it seems like a legitimate contender in the same weight class as the Amex Gold, albeit with different skills and a special home turf.
I wish that I could get either. Been trying to product change from the venture one to the savor one. No luck there. In pop-up jail for anything AMEX related.
@@iankm1 yikes. Might be break time for you!!
While only traveling domestic for the next few years, I prefer the travel partners of AmEx (and Chase). I may consider the Savor One when I start doing international travel.
@@kaina732 interesting. What if I told you, you could travel domestically much cheaper with the foreign airline programs that partner with domestics?
@@LukesPointsandMiles I fly mainly on SW from Hawaii to the west coast as my wife flies free with the CP. My college daughter flies Hawaiian to and from LAX.
@@kaina732 well, that def makes sense!!
@@LukesPointsandMiles I am going to ask for a retention offer at renewal.
I do most of my grocery shopping at a local neighborhood market walmart & none of my credit cards will code there as grocery except my gold ole amex Gold or BCP. So its a keeper for me.
However, i do have the cap1 S1 for international trips & like the 3x on entertainment
@@docsays that’s I interesting!!
What are your thoughts on Navy Federal Credit Cards vs Capital One or Chase ???
I'm a big fan of navy federal if you wanted a simple cash back set up. I've been a member for 25 years
New subscriber here! Love your videos. Was really considering the Amex gold until that AF was increased. Now I have more thinking to do 😂
Nice shirt btw, where is it from?
@@len10100 I think this one is a cheap Amazon t shirt. Haha
This might not be popular, but this latest Gold Card refresh is actually an improvement in my opinion. Dunkin Donuts, Resy Restaurants, and Five Guys are all over town in my area. It’s sure easier than Shake Shack and Milk Bar and trying to only pay a $10 annual fee. I’m not saying it’s a great card; it’s just easier to get positive value than it was.
@@shit_for_brains it’s awesome if you can spend organically like that but I’m thinking 38purchases throughout the year doesn’t seem like a natural thing to do. I think some of us are fooling ourselves.
@@LukesPointsandMiles Oh, I agree. Listen, I’m not saying it’s a great card. I just think it’s better than it was. With a little work, you can get more than $325 back. Before, getting even $240 was probably unrealistic.
@@shit_for_brains I agree is still a very strong card but I’ll also say it requires more than a little work. Haha
Agreed. Bottom line for me is that neither card gives any kind of helpful status, especially if you already have the Amex Platinum. So why not start at $0 instead of -$325?
@@robertjarrell7276 so true. You start at -$325 and then it’s time to go to work
I haven’t watched yet and I already agree 😂😂😂. Let’s see what you got here.
Uncle Luke didn’t let me down. I agree with all of your points. Funny that I can agree prior to listening. Good video! (I’ve been meaning to leave this comment hours ago. I’m happy my RUclips app didn’t refresh 😆).
Using my Gold Card till my AF hits again in April. I’ll just pile on the points and use the BBP to keep my points alive. I’ll be canceling the card then due to the ridiculous $325 AF.
@@armandoangeljr4464 $325 is steep man!
Once again, great video. Definitely considering this duo for my next set up.
Question: This might be considered heresy in the travel card world, but do you have a preferred travel portal? The reason why I ask is because, more often than not, I’ve found myself booking travel through the Chase’s travel portal. This was because, even though I mainly use Chase points for Hyatt redemptions, Hyatt award availability isn’t as available as I thought it would be. On the portal, however, no problem.
Additionally, when I needed to book IHG hotels, I found it less expensive (points) on the portal that I would’ve been charged if I transferred points directly to IHG and booked it that way.
Disclaimer: these are simple domestic redemptions.
Video suggestion/request: a video comparing the pros and cons of the three main travel portals (AMEX, Chase, capital one)
Thanks, Luke!
@@SrvdusPancaax I don’t know if I have a preferred portal. If I’m looking at non chain hotels I usually just book to earn the currency I’m trying to build up.
Damn Luke, completely jumping off the Amex ship. Ey keeping it real tho. Amex going overboard with some of these coupons.
@@x1928 I’m really evaluating my relationship with Amex. I’m still a fan boy so it’s tough
Yeah man that’s an over looked aspect is that you don’t actually even need to use the Duo. Makes churning Chase cards easy.
Also if I had to be real, the acceptance rate is what kills me on Amex. I’m not going over seas to spend 2 to 3 k on dining in two weeks not to earn x4, no way.
For dining, I have the Bilt and Freedom Flex product changed from an Freedom Unlimited and if I use it as a top dining category, the Venmo Visa and when on quarterly categories the Flex and the Discover It. For Entertainment I have a bunch of 2% cards and if I use it as a top dining category, the Venmo Visa and when on quarterly categories the Flex and the Discover It. For Airlines I have the Bilt and a bunch of 2 percent cards. For Groceries and Gas, I have 2 Citi Custom Cashes and one of them was a product change from a Double Cash, also Blue Cash Preferred that even if I downgrade it to a Blue Cash Everyday because of the On U.S. Online Retail Purchases. That still doesn't include the once a year that the Freedom Flex and Discover It cards can be for Entertainment, Groceries and Dining as a rotating quarterly category. I can use the Gold and my effective annual fee after the credits would be a $1 after using the 3 credits for Dunkin, on GrubHub and Uber Eats. I wil get coupon fatigue though. My annual fee isn't due until after March 14, 2025. I upgraded from Green on August 11, 2023, so I might downgrade sooner to Green or stick it out until my next renewal date with Gold and see if I get a good retention offer to stay on Gold, downgrade to Green or cancel the card altogether. My Amex points will be safe because of my BBP.
Lots of choices! I just cant see jumping through 38 different hoops just for 4x !!!
Great job on RUclips ❤
Thanks Vicki!!
Love this breakdown! The capital one venture was one of my first credit cards years ago. Just got into the credit card game 6 months ago. I’m thinking about getting the venture X. I don’t want to product change and miss out on the SUB for the venture X. Could I apply for the venture X and product change my venture to the Savor One? Also thanks so much your channel has helped me so much so far!
@@nickknight1058 no one really knows the cap1 rules for anything. They seem to be all over the place.
I personally switched my venture to the Savor first then applied for the Venture X. I only had the venture for about 6 months and was able to "upgrade" to the Savor. Applied for the Venture X maybe a week later and got approved.
@@TheRatatar nice moves!
@@TheRatatar ok thank you for this info! I’m hoping it’ll work to change to the SavorOne then as well as. Then I can apply for the venture X right after
@@nickknight1058 venture x has the bigger sub.
So, I recommend getting that one and making sure that you can grab the sub. Then, you can apply for the S1 and get its sub. Then, product change that old venture card into something with no annual fee or just cancel it.
Have ya’ll run out of ideas other than shitting on the Gold card?
Have the same thoughts. I think he's salty that AMEX took away his referrals. Capital One customer service ruins everything. They side with merchant every time.
@@jsbatra I knew I’d be beating a dead horse with this one. I’m open to suggestions.
@@castro1223 I’m not Salty, I’ve never gotten a lot of referrals. Or money from youtube in general. I do this as a hobby part time. Thanks for commenting though.
Have fun paying 325 dollars for a piece of metal.
Bruh. Goldcard/amex gonna be the thing for next 2 months. Then Cpl mos after that, keep or cancel vids for weeks straight. Bet on it.
I wish they have better partners
@@williamfeliciano6003 I can understand that. They definitely work for me.
And cap1 needs to do transfer bonuses.
@@newagain9964 they do them but they def need to do more
Yes Sir! 👍
@@caribdude8151 thanks for stopping by, Dude!
Capital One is good on paper. I wouldn't be so quick to hype it up though. Their customer service is pretty terrible. Everything is a fight with them. Amex, on the other hand, has some of the best service in the game.
I gotten value with the venture x and have the savior one, but it's always been a huge pain in the ass.
I’ve been with Cap1 for like 15 years and I’ve never experienced “terrible” service. I’ve been with Amex for a long time as well and here is a clear decline there. Not saying they’re even.
@@LukesPointsandMiles I've had consistent issues. Every time I've booked trips and had to make changes there are always issues. Everything is a gimmick with them. Their customer service is absolutely dreadful. No help, they are rude AF, I've had agents hang up on me, it's a joke how bad they are. Capital One is contracting with the cheapest bottom tier reject Indian call centers.
If you hard churn and don't mind dealing with assholes then Capital One is ok. I would never recommend them to anyone who wasn't an advanced points and miles users.
For God sakes, even their application process hits every bureau and they'll reject you if you have an 800 credit score, because they want customers to pay that 29% apr.
Yep. That 1x just isn't enough to justify the work. And I know the argument that card mutipliers don't matter us somewhat true, but honestly, I use subs mostly for bigger, more irregular spend qnd non-bonused purchases. As such, subs tend to pull velocity away from my Venture X. I still think there's room for an easy setup for ongoing soending. The Savor One is just better for that. Dont put your mental effort in $7 credits; put your energy into sub strategy, spend for status or benchmark bonuses (like companion passes or FNCs). If the ongoing multiples dont matter that much, then take the easy 3x (also: the DPs suggest the Savor One is more expensive in its xosing than what Amex does) that requires no thought and then focus on what does matter.
@@basaindon most that are still in sub chasing mode can’t be spending that much on the gold to make it worth it
I wonder how far I have to drive from Seattle to find a dunkin. At least a few states away.
@@ctcristo Ha!!
I don't want Amex to tell me where to spend my money or where to go eat.
Its annoying trying to use the credits just to dig out of a -$325 hold every year.
@@LK_EBM true!
I cancelled Gold around 2 years ago, thats when they replaced airline credit with useless uber. One year they had both airline and Uber credits, and i was trying to use all 24 of them. Uber was a PITA and money loser. And I went every month to Cheesecake factory to buy $10 GC and then once a year we went there to eat.
This was PITA as well, so I just cancelled.
I understand. MOst of the folks watching these videos probably dont remember the Air Line credit on the gold!
@@LukesPointsandMiles airline credit was actually pretty easy
@@yurig2530 straight cash. It’s wasn’t monthly.
I’m quite conflicted. I’ve been banking with capital one for years but using an Apple Card, looking to get a card to start earning better rewards. I was leaning towards getting the savor one and then venturex. But my SUB offer from Amex gold is 100,000 points at the moment. What do you recommend?
@@daktothefuture152 that’s a tough decision be use the gold card has such a great bonus. I would get the Cap1 cards because the Amex bonuses will always be there.
I like to pick up Dunkin's donuts and 5 Guys after hitting the Equinox gym. Is there an issuer that's perfect for me?
Well, that depends....... like making reservations with Resy?
@@LukesPointsandMiles No, I was being sarcastic. It just seems ironic that a die hard Gold/Plat user would be incentivized to use both Equinox and Dunkin, and Saks and Walmart for that matter. Amex probably doesn't care, whoever will subsidize their credits, but it does make you scratch your head sometimes.
@@thejokerspeaks 🤣
Amex was accepted everywhere in Japan.
@@theclown888 nice. I’ve always heard you needed cash in Tokyo.
@@LukesPointsandMilesNot anymore! Look into getting a Suica transit card added to your digital wallet. You can easily add money to it, and it’s what you’ll need for most local transit.
awesome
You have to be careful with the gold card and groceries. When they say supermarkets they mean it. My savor one earns it anything that codes as grocery. I recently put my hello fresh on my gold card just because I was thinking groceries and didn't earn 4X
Yeah the gold is a little restrictive
Capitol scammed me… it said no APR for a year and spend 500 get 200$ back… lies I’m at 29%
There are steps you can take to make that right.
@@LukesPointsandMiles yeah I’m actually going to call them right now
i was approved for the venture x in may, do i really have to wait 6 months to apply for the savorone?
@@mrlang125 I don’t think so but it’s
Not a bad idea
Only issue is the 0.5CPP cashout of Venture X? I like Chase ecosystem because it's 1 CPP cash out. And at least if one has the setup iwth amex they get 1 to 1.1 cpp cashback.
@@jenniferw8963 not exactly, Amex is .6 if we are comparing and you can easily get 1 cpp with cap1 if you are erasing a travel purchase which is pretty easy at least in my experience.
@@LukesPointsandMiles Thanks Luke. Yeah my perspective is pretty limited as I never travel. No flights, no hotels, no train, no uber etc. Well I do use a hotel at times, like If I am driving out of state for a medical procedure for example. But I use WoH usually -- $125 room for 50, etc.
Great Video!
I don't think anyone bothered to do a break-down of Amex Gold vs. C1 Savor (the $95/year one), but that's a moot point now.
What would be cool is to see a break-down of the Capital One Duo vs. the duo of Amex Gold & Amex Platinum. For most folks, the Capital One Duo is better, but there have to be some folks who would really benefit from switching to the Amex duo, apart from any consideration of SUBs. Otherwise, there would be basically no reason to stick w/ Amex, apart from retention offers.
@@franciscanstudent I think the gold and platinum are for a much different customer, however, I think a lot of gold and platinum holders are a little confused about where they are on the food chain
I can give you one reason why the Savor One isn’t better for most people. The reason, it’s Capital One
@@GeorgeTanner1 I’ve been with capital one since 2009 and I don’t remember any big issues.
You guys always overstate the hotel values with these cards! No card has great hotel benefits, and I have Chase and capital one, and I don't care about hotels I can find good hotels through their portals. The portals offer great value sometimes.
@@i0r-r-tjtkttl thanks for watching!
I can't get the cap1 S1, I wish i could
@@jamesyu613 I had to apply at least twice for the savor one
@@LukesPointsandMiles i'll try again in the future but for now i'm using my CSP for dining
Me and you. Arm wrestling match!! Lets gooo!!!!!!
You got it!! Haha
@@LukesPointsandMiles haha
Why would anyone want Amex is beyond me! Would never apply for one.
if i got the savor one should i cancel my amex blue cash ?
I'm not sure what your situation is, are we talking about the Blue Cash Preferred or Everyday?
@@LukesPointsandMiles preferred. I got it for gas and for streaming subs. and discount on disney. its free till later this yearfor $95 a year.
What watch you wearing?
@@danielvasquez41 that is a Hamilton Khaki field watch in titanium (blue dial)
@@LukesPointsandMiles thought so! Looks good!
@@danielvasquez41 thank you sir! I love its simplicity
@@LukesPointsandMiles it’s a classic! From one fellow watch nerd to another!
The other ones…. Keep getting bought by amex and other cc companies
Ha! Amex can’t afford me!!
lie after lie, amex gold does accept a bunch of international shopping or groceries I flight to south america and they do accept it. is not for everybody for me I spend money atleast one time outside in food anyways so I do spend the annual fee in food outside easily and I know a lot of other people do too but they cry so much to pay the annual fee when they spend that in food anyways...
@@kennyplayer7731 it’s awesome that you easily find places overseas that except Amex. I just got back from Europe last month where it was excepted at around half the places i tried to use it. I think one thing you might’ve misunderstood. The Amex gold does NOT earn 4x at super markets outside the US. I know it’s the internet but saying someone is lying over and over again is very strong language. I’m not sure I understand the other part where you say you spend the annual fee on food easily. But hey it sounds like the gold card works great for you. You are winning! Most folks are not doing better with the gold than they would be with other cards.
Yea but it’s capital one tho…
@@DavidGarciajrtx true and even though it’s been the most popular card (VX), folks still hold onto that perception. Especially those with no actual experience with Cap1
@@LukesPointsandMiles I have the vx, I prefer Amex everyday.
@@DavidGarciajrtx interesting!!
I still have both 😂 I’m earning no matter what cards accepted
So you admit you aren’t always earning x4, then why even hard the card?
@@L-Man-Gaming I got it last month with the 90k sign up bonus at the 250 annual fee. I’m technically getting more than 4x on every purchase + all the new credits. But for the places it’s not accepted I’m at least getting 3x back on the savor one
@@carlosleshawn Drop the Gold card bro. I got the 90k sign up bonus with the $250 AF too but I quickly canceled it when I got the Savor One. Can't justify the AF if they are forcing you to use their coupon book of "credits" when you have to dish out the money upfront. Common sense.
Well don’t cancel it the first year. get the sub, use the credits and then decide
@@LukesPointsandMiles Def uncle Luke! I’ll keep it a year, then reevaluate. Gotta keep my Amex relationship good so I can get that 175k platinum sub next