Savor One is S-Tier, No AF, No FTX Fee, Intro APR, and Intro Bonus. If you spend 20k+ in the 4% categories of the Savor card, S-Tier (9500 is the break even point) is correct. Venture and Venture X both S-Tier.
Great video! Only thing that I would have added is the fact that the cash back rewards on the Savor products can be converted to miles, so the Savor/SavorOne cards give 3-4X miles in their categories, which is incredibly competitive with cards like the AMEX Gold and Citi Premier.
Quicksilver at 1.5% being ranked below Venture one at 1.25 percent doesn't make much sense to me..also, savorone should be one grade higher as there's no foreign transaction fees for it
Savor One for excellent credit like I have also has a $200 bonus when you spend $500 in the first 3 months. Definitely an A or S tier card to be honest. Other than that, great vid
For the most part, I agree with the rankings on where you have placed the Capital One cards. The only thing I would have done differently is I would have put all of the SavorOne cards into the A-tier. The reason is they all earn 3% back and for many people, they would make more sense to have over the Savor card with the annual fee. In order to benefit from the 4% rewards on the SavorOne card, it would require an annual spend of more than $9,500 in the 4% categories.
I agree with the placement but you did your math wrong. It's $2350 yearly to make the savor card worth it, that's for the $95 annual fee to be justifiable
@@zacharymerkel4732 no, you’re not considering the the opportunity cost. Spending $9,500/yr on dining/live entertainment/streaming is the break-even vs SavorOne. If you spend less than that, the net gain is higher on SavorOne. And let’s be honest, the vast majority of us don’t spend $780+ per month on those categories.
i feel like the savorone card with the sub deserves s tier aswell and the good credit one A Tier but other than that completely agree with your analysis reason being some ppl don't spend enough to justify the annual fee in the upgraded dining/streaming/entertainment categories.
I love the Venture X. Got mine back on November. My next card I want to get is the Savor to compliment with the Venture X. I'll wait 6 months until I apply for the Savor. I'm stuck between the $95 annual fee for the 4% dining or get the no fee for 3% dining.
I was about to say the same thing as Andrew. If you’re not sure you’ll spend over $95k in those categories then the SavorOne will give you more surefire value. Also worth noting that the Savor cannot be downgraded to the SavorOne.
Can you be upgrade to the $95 savor card from the no annual savor card ??? Second question can you product change from quick silver card to a venture X card $95 or $395.
@@Anthonyjones-pq4ff I couldn’t speak definitively to your first question, but regarding doing a product change from the VX to a Quicksilver, I currently do see that option in my account (other options are the Venture and Venture One). Cap1 are funny with their product change options. They tend to cycle through them over time.
I am thinking of applying for the savor one as my spending has been entertainment and dining oriented recently. This is the first video that suggests the quicksilver is valued the same as the savor one, and puts the savor card into S tier. I already have the quicksilver, but I really doubt 1.5% cashback on everything is the same as 3% back in certain categories, as to why I would want the savor one. I do not see the annual fee savor card being a worthwhile compared to savor one.
This are all good credit cards. Adding the Reef Chain card to the list of your cards to review will be very nice. The Reef card is one of the card that has constantly given out value to its users.
This is great it helps a lot of people to see the differences because it can get confusing. I use the quicksilver secured card because I’m building my credit back up it’s good for that and the cash back. Also next you should do best credit cards for gas I would love to see that. Thanks for all you do!
Also the Savor card gives 4% on dining out and streaming, but not groceries (still 3%) so the $95 annual fee is not worth it compared to the savor one, unless you spend $800/month between dining out and streaming then the savor one is more profitable. $800*12 = $9,600 Savor = $384 rewards - $95 AF = $289 Savor One = $288 rewards (no AF)
Unless you take advantage of Merrill Edge investing benefits, Chase wins easily. Better credit cards, better checking account, and better funds (Fidelity) for investing with Chase. With ME investing benefits, you get additional credit card points the more money you have with Merrill Edge. However, their Index mutual fund list is mediocre and no fractional shares for ETFs. You could use cheap per share Schwab ETFs, but most people just pass on it all together.
If you have the Chase Trifecta (preferred, unlimited, flex) and the Amex Gold. Would you still get the Venture X?...or is that too many different platforms? If not the Venture X, I was thinking about a hotel card. Either Marriott Boundless or Hilton Surpass. I appreciate any feedback...
Quick question, I applied to the Discover It and got approved with a $500 credit line. The thing is, I meant to apply to the Secured Discover IT. This would be my first card, is this a bad thing? I'm 18 in my first year of college and wanted a credit builder first. Do I apply to both? Keep this one and move to chase? Thanks in advance.
Don’t apply to both, not a bad thing at all. You just skipped the 6 month phase of secured cards and graduated. Pay on time and in full and you’re good to go. Secured cards are in your past now
Savor One is S-Tier, No AF, No FTX Fee, Intro APR, and Intro Bonus. If you spend 20k+ in the 4% categories of the Savor card, S-Tier (9500 is the break even point) is correct. Venture and Venture X both S-Tier.
Yea that made no sense to me lol, how is it S-tier and the no AF goes to B tier when it would cost $9500 for the cost to be justified 😂
Great video! Only thing that I would have added is the fact that the cash back rewards on the Savor products can be converted to miles, so the Savor/SavorOne cards give 3-4X miles in their categories, which is incredibly competitive with cards like the AMEX Gold and Citi Premier.
I wish more cards allowed transfer of cash back like with Chase and Amex
Im grandfathered in to the savor rewards paying no fee. Gotta love that.
Quicksilver at 1.5% being ranked below Venture one at 1.25 percent doesn't make much sense to me..also, savorone should be one grade higher as there's no foreign transaction fees for it
The SavorOne or Savor card is great for die hard sports fans. Numerous 49er fans use it while traveling to different NFL 🏟 stadiums.
They have the world WORST names on credit card.
Savor One for excellent credit like I have also has a $200 bonus when you spend $500 in the first 3 months. Definitely an A or S tier card to be honest. Other than that, great vid
For the most part, I agree with the rankings on where you have placed the Capital One cards. The only thing I would have done differently is I would have put all of the SavorOne cards into the A-tier. The reason is they all earn 3% back and for many people, they would make more sense to have over the Savor card with the annual fee. In order to benefit from the 4% rewards on the SavorOne card, it would require an annual spend of more than $9,500 in the 4% categories.
I agree with the placement but you did your math wrong. It's $2350 yearly to make the savor card worth it, that's for the $95 annual fee to be justifiable
@@zacharymerkel4732 no, you’re not considering the the opportunity cost. Spending $9,500/yr on dining/live entertainment/streaming is the break-even vs SavorOne. If you spend less than that, the net gain is higher on SavorOne. And let’s be honest, the vast majority of us don’t spend $780+ per month on those categories.
Agreed. Getting a Savor card over the SavorOne is silly for 99% of the population.
I agree with this guy. Unless you spend over $9500, the Savor is not worth it.
i feel like the savorone card with the sub deserves s tier aswell and the good credit one A Tier but other than that completely agree with your analysis reason being some ppl don't spend enough to justify the annual fee in the upgraded dining/streaming/entertainment categories.
You should do this with US bank credit cards!
I love the Venture X. Got mine back on November. My next card I want to get is the Savor to compliment with the Venture X. I'll wait 6 months until I apply for the Savor. I'm stuck between the $95 annual fee for the 4% dining or get the no fee for 3% dining.
I was about to say the same thing as Andrew. If you’re not sure you’ll spend over $95k in those categories then the SavorOne will give you more surefire value. Also worth noting that the Savor cannot be downgraded to the SavorOne.
Can you be upgrade to the $95 savor card from the no annual savor card ???
Second question can you product change from quick silver card to a venture X card $95 or $395.
@@Anthonyjones-pq4ff I couldn’t speak definitively to your first question, but regarding doing a product change from the VX to a Quicksilver, I currently do see that option in my account (other options are the Venture and Venture One). Cap1 are funny with their product change options. They tend to cycle through them over time.
Just do the Savor 1. Compliments my VX miles nicely when only used for groceries and dining without an AF.
Savor = Metal, Savor One is not, and we all know metal cards drop panties on dinner dates…simple choice
I am thinking of applying for the savor one as my spending has been entertainment and dining oriented recently. This is the first video that suggests the quicksilver is valued the same as the savor one, and puts the savor card into S tier. I already have the quicksilver, but I really doubt 1.5% cashback on everything is the same as 3% back in certain categories, as to why I would want the savor one. I do not see the annual fee savor card being a worthwhile compared to savor one.
This are all good credit cards. Adding the Reef Chain card to the list of your cards to review will be very nice. The Reef card is one of the card that has constantly given out value to its users.
Aren’t we only able to have 2 capital one credit cards?
This is great it helps a lot of people to see the differences because it can get confusing. I use the quicksilver secured card because I’m building my credit back up it’s good for that and the cash back. Also next you should do best credit cards for gas I would love to see that. Thanks for all you do!
Slight correction on the Key Rewards cards. They are not 4% cash back, but 4% back that can be used at Key stores such as William and Senoma.
Also the Savor card gives 4% on dining out and streaming, but not groceries (still 3%) so the $95 annual fee is not worth it compared to the savor one, unless you spend $800/month between dining out and streaming then the savor one is more profitable.
$800*12 = $9,600
Savor = $384 rewards - $95 AF = $289
Savor One = $288 rewards (no AF)
could you do chase vs bank of america to see which one is the better option?
Unless you take advantage of Merrill Edge investing benefits, Chase wins easily. Better credit cards, better checking account, and better funds (Fidelity) for investing with Chase.
With ME investing benefits, you get additional credit card points the more money you have with Merrill Edge. However, their Index mutual fund list is mediocre and no fractional shares for ETFs. You could use cheap per share Schwab ETFs, but most people just pass on it all together.
Great vid!!!
If you have the Chase Trifecta (preferred, unlimited, flex) and the Amex Gold. Would you still get the Venture X?...or is that too many different platforms? If not the Venture X, I was thinking about a hotel card. Either Marriott Boundless or Hilton Surpass. I appreciate any feedback...
How do I figure out which Quicksilver card I have?
Quick question, I applied to the Discover It and got approved with a $500 credit line. The thing is, I meant to apply to the Secured Discover IT. This would be my first card, is this a bad thing? I'm 18 in my first year of college and wanted a credit builder first. Do I apply to both? Keep this one and move to chase? Thanks in advance.
Don’t apply to both, not a bad thing at all. You just skipped the 6 month phase of secured cards and graduated. Pay on time and in full and you’re good to go. Secured cards are in your past now
which card is better for gas, food? i have 690 credit score
Venture bros credit cards.