Why I Changed My Mind on the Capital One Venture X
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- Опубликовано: 24 апр 2024
- I was wrong about the Capital One Venture X card and in this video I talk about why I recently added it to my wallet.
Overall, the Capital One Venture X rewards credit card is a solid choice for those seeking one of the best travel rewards credit card in 2024. With a Capital One Venture X approval, cardholders can unlock a world of exclusive perks, including Capital One lounge access for comfort and relaxation during their travels. Which is one of the benefits that I am looking forward to take advantage of. You will also get Global Entry / TSA Precheck credit, an annual travel credit, and an annual Capital One anniversary mile bonus. The Capital One Venture X benefits extend to purchase protection and extended warranty, providing security for purchases and peace of mind. As far as spend goes, I will be using the Venture X as my new catch all credit card because of its 2x multiplier on general purchases. This will come in handy as the card is a Visa and has no foreign transaction fees.
I also am interested to experience the Capital One travel portal and use Capital One's transfer partners to score more award travel. The Capital One Venture X rewards program stands out as a top contender for travelers seeking value and convenience. I will keep you posted with how my experience goes with my Venture X card.
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As AnthonyBove pointed out below, the Capital One Venture X $300 Travel Credit does NOT earn points on the purchase anymore. Looks like not only was I wrong about the Venture X but also I was wrong about how that credit works. So please ignore the whole part from 7:18 - 7:47. So NOT kudos to you, Capital One.
Instead the $300 travel credit works by lowering the total amount in the Capital One Tavel portal. So if you want a $600 flight, you'll only pay $300 with your Venture X and get 10x on that $300 (not the entire $600 as it was before). Thank you again for calling out my oversight.
Was gonna come here to comment that this was changed 2-3 months ago at least. It’s a travel discount more than a travel credit these days. But hey, at least you can still earn FF miles from the airline you purchase the ticket from via portal right ?
@@jasonkane9942yes you get FF miles/points with the airlines if you enter your airline account number. I think American Airlines may not be honoring that in the future and they will require you to book directly with them.
It's like a coupon
Altitude Reserve does however earn points on the $325 credit
Glad to see you are on board! I love my VX...If I could only have one card, this would be my pick. Hands down.
Glad to be on board! You can make a good argument for using the VX as a 1 card setup.
The Venture X definitely makes a ton of sense, especially if you simply can utilize the $300 Travel Credit + put the Bonus Miles to use. Just got approved for it myself and excited to put it to use. Using the Venture X at Costco with them only taking Visa like you said is honestly a low-key great benefit haha. Great video Chase!
Let's goooo 👏🏽 congrats on your VX pickup as well.
I agree it's solid alternative to chase cards. But it's sure is nice when we get a 5% quarter
Congrats Chase on getting the Venture X! I love the card for all the reasons you highlighted, especially that 2x catch-all with no foreign transaction fees. I travel internationally a decent amount and transactions sometimes code strangely, even restaurants, thus why I'm never hesitant to just use the VX.
Thank you Monty! 🤙🏽 I look forward to using this abroad and earn 2x instead of the current 1x.
One of my fav cards and my catch-all card. Great vid!
I appreciate it Darius 🙏🏽 I look forward to using it soon.
Great breakdown of your thought process with this card! I have a similar card profile and recently came to almost the same conclusion with the VX. Appreciate the perspective 🙌
Thanks for watching! Glad it was helpful
Got my tsa precheck before from capital one venture and due to the pandemic it was extended for 6 years. My game plan next year is to upgrade my boundless to ritz card, down grade my and platinum to gold or lower, get the venture x to renew my tsa pre/lounge access and as a travel credit card and if signup bonus is good I’ll get the chase proffered. I’m a huge Amex fan (customer service is the best), but I find it really hard to use all the credits that comes with it plus it is not a good card for points earning. Another great video chase 🙏🏽
Thank you so much for watching 🤙🏽 I didn't even know they extended TSA precheck from the pandemic. Im excited for you to get that Ritz Carlton card 🔥
Haircut 💇♂️ looking sharp! Looking forward to hearing more about your upcoming trip to Korea 🇰🇷
hahahah you're making me blush 😂 😎 Still gotta plan out the Korea trip. Thank you for watching!
I held off on this card because I didn't see where I could get real value from it. That is, until I visited the DFW Capital One Lounge! You can still get 2 free visits with the regular Venture card so I decided to check it out and I loved it. I had a 3-hour layover so all the free food and cocktails were so nice plus I was able to grab to-go food that fed me for the rest of my trip. I felt so refreshed for my 2nd flying leg. As soon as I got home from that trip I applied for the Venture X lol
hahahh love that story 😂 it sounds like you mightve gotten a lot of value from that one visit.
One correction. The $300 credit it’s applied when you are making the purchase. So you won’t double dip. They changed this last year.
I appreciate you mentioning this. I should have been more on top of it for the video. Instead I just created a pinned comment to address my mishap.
😂😂😂! You are the Man! So no kudos to Capital One! Kudos to Anthony Bove!! (He is super cool, Chase!) I’ve wanted the Capital One Card, but they don’t want me! They claim I have too much credit! 😂 Thank you for a great video as always! 😊
heyoooo Papi Joe 🤙🏽 You and Sledge got the same problem. 😂 y'all too advanced in the credit card journey.
@@ChaseYokoyama 😂😂 They don’t want me! If you have a hook up with them, let me know 🤣
Chase holds the VX?!?! I never thought I'd live to see the day🤣 In all seriousness congrats on the new card my friend!
😂 the day has finally come. Thank you Jake 🙏🏽
Congratulations Chase! I hope you enjoy the card.
In my experience, if I’m flying AA, I would set my layover to DFW if the timing and price are right. More often than not, DFW has been my choice of AA hub for these reasons. This makes it easier to enjoy the C1 Lounge.
Some of the reasons why I’d go with DFW over other AA hubs include that they can be more expensive than going through DFW, require overnight stays or 2 layovers, have very short layovers, or are airports I’d generally want to avoid.
that's a good tip 💡 I know i only briefly mentioned it in the video but I will for sure route an upcoming trip through one of the C1 lounge airports. but now you making a hard sell for that airport to be DFW. Thank you Vincent 🤙🏽
💯💯💯 Capital One Lounge @ DFW is 🔥🔥🔥
Yes Sir! Happy Weekend! 👍
Thanks for the visit! Happy early weekend to you! ✌️
I love the matching part the most. So far, 1k matching!!!!
I like your style. The VX kinda fits into everyone’s wallet in a sense.
Thanks Luke 🤙🏽 I'm excited to finally use it
You know you may be one of the first I’ve personally seen mention taking the 10k anniversary miles and transferring them to partners etc, $100 minimum I’m sure! Probably way higher for you and others who are more experienced.
Nice Chase, enter the era of Capital One Yokoyama!!
hahah thank you Anthony! im excited to get started with this card. We gotta add that to the many names I have like Amex Yokoyama
Credit card game plan should be flexible and always changing. Becuase credit card benefits are always changing, and your lifestyle might be changing
I agree 🤝🏽
Just got back from a trip to Denver and Washington. I gotta say the Cap 1 lounges are very nice! For Chase I decided to go the route of Saphire preferred and Ritz-carlton for the chase lounges instead of going after the reserve.
ooooooo i want that Ritz card 👀 I can't wait to see the Cap 1 lounges. Thank you for watching 🙏🏽
The venture x is the big daddy card for me as I haven’t jumped on the platinum yet. So far I love the VX tho, super easy to use and get outsized value! I believe there was a short period where referrals had a 90k SUB but 75k is still solid in my eyes
I agree. it's gotta be one of the easiest annual fee cards to get positive value from 👏🏽 GDI, I wish iI snagged that 90k offer up 🙄
Chase, question, if it wasn’t for credit referrals
Do you think the US Bank Altitude Reserve makes more sense for you compared to the VentureX?
Good stuff Chase! I'm too afraid to apply hahaha
lmao 😂 ur gonna give Capital One a heart attack when they see how many existing cards you got
You and me both make C1 tremble with respect and concern haha but a well managed profile is nothing to fear C1!
@@shawn.credit hahaha
Great video Chase. I have the CSR, Amex Platinum, and the VX. Minus the Chase 1.5c per point the C1 portal seems to work better for airlines. When I was in Indonesia i had access to the local airlines via the C1 travel portal where chase and amex did not have full access. This can save you hundreds of dollars on tickets and in many cases shorten the flight time. Another item, when I was in Japan at the Haneda in terminal 3 during a layover required a priority pass card per person and would not honor guests. They will allow two guests if you paid for them. The vx has access to plaza premium lounges as well, the CSR does not. Last item the c1 travel portal does have hotel collections similar to(but not quite as good) as the Amex FHR, in those cases you could think of the travel credit similarly to the Amex platinum hotel credit.
I appreciate your insights from your experiences with the Venture X 😱 That is a really decent point about using ur travel credit like the hotel credit on the platinum card (i like how its way more flexible).
I love the Venture X. It's expensive but totally makes sense if you can use the $300 travel credit every year
That along with the 10k miles are a solid duo to knock out that annual fee.
I definitely purposely route my flights through Denver when I'm going out west now 😁
hahhaah does that mean I need to do that when I go out East
Great content! I think the $300 was nerfed and it's a credit now where they deduct from your purchase and you wouldn't get the 10X.
Thank you for bringing this up as well 🙏🏽 I went ahead and provided an update via the pinned comment. I appreciate you calling this out
Capital One Travel portal also does price matching. Bargain shop the price somewhere else, THEN call Capital One and bring that price to them. They will honor it, so you’ll be able to use the points and credits within the portal. Yes, it does require the phone call, which sucks, but hey. They price match. 👍
true. 👍🏽 it's nice that the Cap One portal has so many perks to it.
I agree, the 2X is very convenient, along with mitigating the af away. Since I will not get the chance to flex of being approved for the VenturaX, I'll just keep watching.
Hey dont count yourself out just yet! Im sure you can get approved in time. Just keep watching credit card videos online and apply credit score best practices to your life. Then sooner than later you can be a new Venture X customer
I got a 90K sign up bonus on the vx back in Oct 2023. There was a promo running.
congrats on that elevated offer 🔥
It’s the best all around card period when all other cards are constantly rotating
the 2x, no foreign transaction fees, and it being a Visa all make it so versatile
Swing by the DMV area Chase. I’m sure you’ll like it.
hahha what does that mean? this went totally over my head 😅
How could you hate on the vx, so easy to get value. No annoying coupon book, no 250 effective AF.
What can I say, I was living a different lifestyle and didn't see the need for it at the time. Although I do still enjoy my Platinum card
Almost through my 1st year with this card. I do put all general purchases that I can't get higher cash back on this card which makes it my most used card. I've only booked through the portal to redeem the $300 travel credit as I normally find better deals elsewhere. The other benefits are not useful to me, so the only benefits I really use are the $400 yearly credit and the 2% back to reimburse travel purchases... debating if I'm better off getting the fidelity 2% back card (no sign up bonus) and using Costo Citi 3% back on travel plus an extra 2% through Costco.
One of the things to consider is how you use your points. If you are okay with the limited redemption options with the Fidelity and Costco cards, then it may be worth the switch. Also, when you do travel, do you value the travel protections and insurances that come with the Venture X?
Because of the Chase Sapphire Reserve's recent Priority Pass nerf, I truly believe that the best luxury travel card is actually two cards, both the VX and the Amex Platinum. Plain and simply because the VX covers the Platinum's weaknesses as a Visa Infinite (worldwide acceptance, primary CDW instead of secondary). And that's just because the VX is so easy to zero out the annual fee, unlike the Reserve, which allows you to pair it with a bigger card without as much financial strain if you do any kind of traveling.
I definitely like the Platinum and VX for my personal lifestyle way more than the Sapphire Reserve. 👍🏽 I do like how you mentioned that those 2 card complement each other
My home base airport is Denver, so this card makes even more sense for me
Sheeeesh make use of that Cap One Lounge 🔥
My favorite card! Venture X for the win 🏆
Good choice JP 🙏🏽
The travel credit Is no longer a statement credit, its applied when you book travel now
Thank you for bringing it up. I "fixed" it by pinning a comment to address my mistake 🤙🏽
I only have this card because it's nets me free lounge access for my family members.
I mainly still do all Chase cards or my current sign up bonus.
yes that free authorized users and lounge access perks are great to have.
It’s the best all around card period
This is what I googled about sign up bonuses:
If you are offered a signing bonus with a particular dollar amount, don't assume it's a non-negotiable figure. Just as it's important to try to open a salary discussion, you generally should try to launch a signing bonus negotiation
never tried this before
@@ChaseYokoyama I'm going to try it and see =)
@@destiny04fe ya and lmk how it goes!
Late 2023 they had a 90k bonus. You had to use a referral though. I managed to take advantage of that, maybe it will be back eventually
im glad you took advantage of that offer 👏🏽 I wish I could've done the same
How about the Citi Double Cash at 2x or Altitude Reserve at 3x on Mobile Purchases at Costco?
I think the only workaround for using Citi Double cash at Costco is to buy a gift card online then use that in store. But the Altitude Reserve is an option. However outside of the multipliers, I found the VX would fit my current lifestyle better
I recently booked a domestic flight using the Capital One Portal and the flight was slightly cheaper than booking directly on the airline’s website. Everything went smooth without hiccups. But I think the REAL test is when things go wrong. Would the airline handle a problem better? Or would CapitalOne handle it better?
ooo thats a good data point 👌🏽 but ya that is another part to consider when choosing where to book. I've heard some stories where the travel portal gave them a hard time 🤷🏽♂️
I applied for the VX the first day it was available....rejected! After 12 months I tried again...rejected! So I opened the CITI trifecta.
oh noo. Why did they reject you? At least you went ahead and picked something else up in the meantime 👍🏽
Might want to check on that $300 credit again, I’m pretty sure it’s applied as a coupon now so you don’t get the points anymore on the $300
FML you are 100% correct. I updated my pinned comment to address my mistake. ❤️🩹
@@ChaseYokoyama i just here to help, you’re still knocking it out of the park cousin 🤙🏼
After my recent redemption on aeroplan for a 19hr Singapore airlines 19hr in business class, I now see 2x C1 better than 1.5x chase. However, both are not as good as 3x US bank miles imo so my VX only gets used for “catch all” when mobile wallets are not accepted which is kinda rare nowadays 😂
ya that 3x mobile wallet multiplier is quite special 😳
That last part is not true. It is only to be applied at check out as a credit. Does not cancel from the statement.
Thank you for bringing this up. Other viewers have mentioned this as well and I created a pinned comment to hopefully prevent further confusion. Ultimately that's my fault for spreading #fakenews
There was a 90k SUB back in Nov. my wife got it through a referral.
whaaat?! 😱 congrats to your wife. 👏🏽 im totally not jealous at all.
I think Amex Platinum, US Bank Altitude Reserve and Chase Ritz Carlton is a good combination. Most people do not have the Chase Sapphire Reserve and the Amex Platinum.
Now that RC is a card I really want to add to my wallet
Your paying $400 to be given your 400 back year 2 and on if you use the c1 portal.
And the outsized value is where?
For me its in the fact that now I have a 2x catch all card that I can use where Amex isn't accepted and when I travel abroad. I also want to check out the Capital One lounges. Then I also added my gf as an authorized user and got her a priority pass membership for free. Sure its not hundreds of dollars of positive value, but i'm still getting positive value one way or another 👌🏽
Did they not just recently change the $300 credit to a coupon so you lose the ability to earn points with it? Not a big deal to me though.
They sure did 😬 and I made a mistake within the video.
@@ChaseYokoyama all good 👍🏼 😂 ish happens
They recently had a 90k offer with the same spend as the 75,000 miles
I missed out on that 😢
There was a link for 90k SUB late 2023, that's when I got it 😁
Im jealous 😢 congrats on that 90k sub
You don't get 10x miles on the 300 travel credit. I literally used mine today and I owed about 14 dollars after the deduction. I only got 10x points the 14 dollars.
yes thank you for the clarification. 🙏🏽 I was mistaken in the video
Does mileage expires for Cap1VX?
I’m sorry are you asking about the miles you earn or the statement credits?
If you are talking about the credits, then yes they expire in the sense that they do not roll over. But the normal Capital one miles or points do not expire as long as you keep a Venture card open.
Hi, I’m talking about the miles I earned. rn I have accumulated 200k miles, and thinking of saving it on our Europe trip next year for a business class accommodation. Thank you 😊
Chase agent told me in branch today that a Sapphire Preferred promotion is dropping on 4/28
👀👀👀👀 let's keep an eye out
@@ChaseYokoyama specific data points I was told: 85k for in-branch sign up. 75k points when you spend $4000 in first 3 months and 10k bonus points when you spend $6,000 in the first 6 months.
Is it positive value if your paying $400 to get $400 back?
Or r u breaking even?
Forfeiting your elite status is not worth it
United travel bank would b your best bet
Plus your paying $395 in the first year but only getting $300 in value in the first year. (Minus the sub)
U already have the $100 for ge/tsa
That's a good question 👌🏽 but I'm also getting "value" from the spend I am now gonna be putting on it since its my new catch all card. Also the value of the Cap 1 Lounges that I will want to hit up at least once this year. I also added my gf as an authorized user for her own lounge access. Those are some of the main reasons why I think I can receive positive value back.
@@ChaseYokoyama vx is hard to sell to me since i already have everything it provides minus access to the 2-3 lounges they have
(that i can still visit with my priority pass) card just doesn’t seem worth it when you already carry the sapphire reserve and amex platinum. I assume your p2 already has a AU card or card of her own
True story: I booked thru the portal for flight from TPE to KHN and back via Shanghai. On the first leg I got a last minute email that the connecting flight will depart two hours later. No problem, just spend some time hanging around. On my return flight, showed up two hours ahead with luggage on tow and a connection flight to Japan that night. The flight was canceled in Freaking CHINA! I called the travel portal and was basically told there is nothing they can do to get me out of a third world country and I had to buy my way out of the jam. I am going after the CC for all the one way tickets and hundreds of $$ of cab fare. That is also what you need to know before signing up.
Im sorry to hear about that experience. That sounds extremely stressful especially for it to happen internationally. This definitely is one of the worst case scenarios when it comes to booking travel through a travel portal.
Wait, that's not how the travel credit works. They use to do that last year but for the past 6 months you have you to use those credits while buying the ticket. It's no longer what you describe.
you are right. Thank you. I made the correction in the pinned comment
@@ChaseYokoyama thanks for the info!! Your channel was one of the ones I jumped into when I was getting into the credit card game.
I love my Venture X!! My son and I have a round trip business class flight (IAD to OSL// ZRH to IAD) next year. The cost was 200k venture X points and 1075 in total taxes in fees!!
That is less than if we didn't have points and bought coach seats one way!!
It's SO worth it!
Is this a hostage video or paid by Capital one!?
😂😂😂 how'd you know?! Did you see the subtle cries for help
4:20 there were non public 90k subs
and sadly I missed that opportunity 😢
get more hairr cuts
lol does my hair look bad long? I also did like the shorter hair. it made me realize how long and messy my old hair used to look 😬
Ewww VX💩🚽
😂
🏆Venture X + SavorOne/Savor🏆 Thanks for the info + video!
Thank you for watching Jimmy! 🤙🏽 I think imma work on that Savor One next. But C1 is so sensitive to new inquiries so I'll have to wait a little longer.
Great card! Congratulations 🎉 Thanks for the overview Chase!🫵
Wassup Cesar! 🤙🏽 Thank you brotha
Does mileage expires for Cap1VX?
Nope
Capital One miles (points) never expire as long as your card remains open. Just keep a card active in the Venture X or Venture Rewards or VentureOne Rewards family