Capital One Venture X vs Chase Sapphire Reserve: Best Premium Travel Card??
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- Опубликовано: 4 авг 2024
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The Capital One Venture X offers comparable benefits to the Chase Sapphire Reserve. Which one should you get?
Timeline
0:00 Start Here
0:31 Short Term: CSR vs Venture X
2:19 Optimal Strategy
3:40 Long Term Strategy
7:31 Comparing Benefits
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I love that the amex plat doesn’t even make it into the conversation anymore lmaooooo
I hard inquiried the Like Button because you’re comparing travel cards while traveling 😎👊✈️
I went to the capital one lounge in DFW earlier this week. It was very impressive. Nice having it so close to the Centurion lounge. There were probably 10 people there on a Tuesday morning. Loved the coffee selections and grab and go area.
nice! can’t wait to check it out
How does the food work? Are the prices posted somewhere? Can you go in at any time? I have a 12 hour layover there.
Gerardo Aguilera i believe for venture X card members they are free. Like food and bev. Venture one and savor have to pay. But u can get free access inside if not busy.
Awesome, great to know. I’ll have to check it out in DFW. I Really glad you had a positive experience as I just got approved for the Venture X. The simplicity of the Venture cards is awesome along with different redemption options.
It's the nicest airport lounge I've ever been in. Loved the design and also food options were actually legitimately competitive w/ a priority pass restaurant (if given the option between a priority pass restaurant and any actual lounge, I would choose the former... with this notable exception).
So nice that it'd honestly be a reasonable tiebreaker to file w/ American through DFW rather than United through IAH for a connection, all else being equal (i.e. flight pricing, status).
So thankful for channel like yours!! Please keep up the amazing work!!
Because of your video I went ahead and applied for the Venture X card using your affiliate link and got instantly approved with a $30,000 credit line! I also have the CSR since 2016. Keep up the great work on the videos.
congrats! and thank you for your support 🙏
Definitely appreciate these videos. They’re very informative and helpful.
This answered the question I asked in response to your last video perfectly. Thanks!
It was great to meet you at at the Aria in Vegas. It was funny when I had to bring up one of your videos to match your face to yours at the table. Always great content in your videos and so professionally done.
That was an excellent comparison. I feel like I understand the benefits of the cards so much better and I've made my decision because it's free to add users onto my Capital One card and they have free lounge access, where Chase doesn't offer that benefit.
This is exactly the video I was waiting for!
I usually watch almost all RUclips videos in 1.5-1.75 speed. I watched this one at 1x lol. Been waiting for this one Sebby. Good stuff!
How do you??
I have been searching this exact comparison!
Hope the video helps! :)
@@AskSebby If I am only flying domestic, can I use points to purchase flights without transferring?
Hey Sebby, great video. Are you planning to create a video to assess which CC will be best from a benefits perspective for different use cases. E.g. for car rental - would CSR be best considering primary coverage or for air travel - would Amex Bonvoy be best considering life, trip delay and baggage coverage? I do that assessment when I travel which adds a lot of value to a card especially while traveling.
Hey Sebby, been a viewer for years, and you've always been my favorite creator in this area.
If you're looking at comments, I come with a video request/suggestion:
"Best consistent redemption options for Amex/Chase".
I've watched hundreds of videos (from all creators) showing "Book Business class to London for 40k with $5 fee only, etc", but in 3 years of frequent traveling I've never found something quite like that, and I look every time.
But, for example, during those years, I've transferred ~400k~ UR to high end Hyatt resorts and always had simple use with a high cpp rate.
I want to know, what are "Hyatt"s are out there, that are consistently available that I'm missing out on.
Great video I'm considering the capital one card
I have venture card now for 7 years and i'm thinking to upgrade to venture X with all benefits. Thank you Sebby
Just wanted to say thanks for all your videos! I asked your opinion on the venture x vs CSR a couple months ago, you kindly replied to my comment. I ended up getting the venture x a couple of days ago and used your link, so I hope you get the credits. Thanks again!!!
Thank you for your support! :)
For my usage & lifestyle, capital one x over amex plats & CSR. Just more simple. Less games to play to justify fees. Latest round of credits don’t really justify yearly membership fee increases for me.
Nice overview! Unfortunately I'm still within my 4 years of having a sapphire card so the choice was easy! Also on cellphone protection, the no AF Freedom Flex comes with it too!
i have the preferred. I already have a venture and got the invitation to upgrade with a nice bonus without getting another inquiry so it was the perfect situation
I feel like u read my credit card suggestion and made this video lol thanks for the info.
The Venture X LOST ME at travel portal. I just don’t hate myself enough to deal with any travel portal anymore. Too much of a headache when things needs to be changed or when flights get cancelled.
I also have both CSR and now have the venture X. I can see myself keeping the venture X long term but the verdict is still out on the CSR. I’ve been using Lyft pink mainly to get free grub hub deliveries which pairs well with my Amex gold but that doesn’t justify the $250 affective annual fee. Also I just booked a hotel with the Capitol one portal and it was MUCH smoother than using the chase travel portal. The flight portal is familiar since I used hopper in the past. Also the price drop protection for flights is a nice pro. I don’t have much experience with customer service yet but the few times I’ve had to call they have been great.
great video!
So I started with Chase Freedom card like 7-8 years ago as my starter card to build credit. I’ve built my credit up and since Covid started to spend money on home office, and Chase has pre approved me for the Chase Sapphire Reserve so I’m considering taking advantage of that, as I will be moving later this year so I would actually use the spend limit in 1st/3mo for point bonus. Very interested in learn more about credit cards and how to build credit but also how to use them in a way where they pay me back.
I'm so excited about my new VX card. I never thought I'll be this excited over a CC.
Love the content
I think the big question remains is how good is the Capital One Portal. If it’s at a cost parity to the cash price, this would be the preferred card for the casual traveler. They are basically paying you to travel.
If Capital One didn’t hate me so much, I would apply for myself and p2 while the bonus is so sweet.
Regardless of the benefits and earning/redemption rate, the Venture X is the only premium travel card out there that pays you to hold their card year after year and gives PP to four of your siblings at no charge. A game changer card.
But the way you spend the $300 is limited to the capital one portal. Chase sapphire reserve is very open. You can book AirBnB on the sapphire reserve and they’ll pay you back
But you pay a premium annual fee of $250 for it @@JC-rp6sp
Long term obvious choice is Venture X since they pay you to have it (similar to SW Priority and many hotel cards).
Great vid
Great video, very easy to understand! Question: if I get both can I use the Global Entry credit for me and another person? thanks! To answer yours I already have CSR and I'm leaning towards keeping that long-term, but I plan on getting the Venture X to try out maybe it will change my mind.
Yes. They only see the charge. They don't care who it's for. You only get 1 refund every 4 years per card.
Ok so I don’t wanna jinx myself but I upgraded from venture to the venture X. I did not get the upgrade bonus 100,000 miles however they did not change my annual fee ($95).
Super torn between the two. Chase has great transfer partners but Capital one's fees plus other perks make up for it. I already have Savor and CS with Capital One has been a breeze. I see plenty of negative ones on Chase. I think I need someone to toss a coin for me since I might do the Savor piggy back with Venture X
Great review as i look to upgrade from CSP to either CSR or venture X. I’m curious if anyone out there is using the chase trifecta and has a Venture X card. I’m still in the research mode. Thank you for the great content
Which one would you say is better to spend money overseas? The bonus points through the portals are great, but I was looking at the chase portal (as I already have the freedom one) and the portal prices of flights and accommodation overseas in europe for example, is WAAYYY more expensive! it kinda makes the portal ridiculous unless you're travelling domestic (which I don't plan on doing this year).
One of my biggest concerns will be seeing how the Capital One customer service/travel portal will be. Only time will tell, but for a premium card, they definitely need to step up their game! As for the CSR, I can't justify it, especially with the Amex Platinum in my wallet!
So you are basically saying you don’t like Capital One and you can’t tell whether you like the Chase card or not…. Okay then ?
Capital one portal sort of sucks. Problem is that it doesn’t list additional packages/options when booking a flight or hotel.
I use CSR for United mileage, which I tend to use on Air Canada. On AC, United miles are often much better than Aeroplan.
I went for the Venture X. It just seems simpler to me and the value is a no brainer. I don't travel enough to do the multiple card strategy and was just looking for a well balanced option that would capitalize on my work travel (mainly hotels and rental cars).
Same here as well. I went for the Venture X just bc it’s easy to use , straight forward and I don’t travel enough to have a multiplier card. 👍
@@kevinonthank I agree. I only fly 4-5 times a year for work but rent cars and stay in hotels a couple of times per month. Most of my travel is more regional than National per international.
I plan on getting VX but make no mistake, 2-3 trips is enough for CSR to be a bigger cost save. Especially domestic with those airline partners.
Hahahaha! “Expecting to get robbed at some point!” …
I’m cracking up!
I have the chase preferred and am looking at keeping preferred and getting venture x. I like the chase because of the dining points.
Would love to see you make a video on the Amex Platinum vs VentureX 👍🏻
I hope the Venture X puts pressure on Chase for the CSR. At the $450 AF with a $300 travel credit, it was a no brainer. However at $550 and Doordash credit and Lyft Pink not continuing into 2022, it is a tough sell.
Not to mention Lyft Pink isn't even avaliable for those who've used the benefit before ( existing users) meaning its worthless lmao
I thought the Venture X had an annual fee of $395.
@@quentinm.williams9 it is! The commenter was referring to the Chase card not the venture X. The chase card used to be $450 but now it’s $550 per year
Whenever i check lyft and uber in my area the uber is usually 20-30% cheaper so lyft credit is useless to me.
The $15/mo Instacart credit is $180/yr if you use it, and that got me over the bump to get the CSR
Thanks for posting this video! I'm looking to get the Chase Sapphire Preferred card, but from what I'm finding, the 100K welcome bonus has ended :( I contacted Chase and they said to check with friends who got the 100K offer and see if they have a referral. Do you have a referral link for the Chase Sapphire Preferred 100K welcome bonus?
I share your appreciation of Hyatt points, but don't want to commit fully to the Chase system at this point, when I'm less than a year into Amex Gold and Platinum. So I use the platinum for its benefits and multiples, the gold for groceries (easily $1000 a month) and the Chase World of Hyatt Visa for everything else - Amazon, utilities, PayPal transactions, etc. I can easily get 2-2.5 cpp at the places I usually book.
I just got my CSR a couple of months ago so I'll probably keep it for a year then downgrade to the CSP then get the Venture X. If they opened a Venture lounge in Seattle then that would make it a no brainer for me but for now I'll wait.
Can you do a deep dive on miles redemption for Venture X, transfer to partners? or a video on best way to redeem capital one miles,
Great comparison! I’m still waiting to see how people are liking the Venture X before going for it. My hope is that, if nothing else, the added competition will make Chase and AMEX want to up their game even more. Thanks for the great video Sebby!
True
That capital one venture X is looking pretty good. And competition usually creates more benefits for us down the road.
But capital portal really sucks at the moment
The Porter is honestly not that bad
Will be going for the Us bank altitude reserve and capital one venture x
My game plan is downsizing Amex MR cards, to match actual travel usage, since Schwab's 1.25 cpp cut. If the rumors are true about the new Chase Business, 2.5% back on $5K+ purchases, I'm on it! Not interested in either of these cards, but I think Capital One has been underestimated.
I agree, I think Capital One is definitely upping their game.
what card does 2.5% back??
@@Doesitslap101 Ink Premier
I do not have either but even with $150 more for CSR makes more sense as they do not force you to use their portal which may always have higher prices than any 3rd party booking service.
They don’t make you use their portal? My biggest hesitation with all travel cards is the fact that using there portal cost more money than 3rd party sites so it’s hard for me to calculate if the savings are worth it, or if I’m just getting points instead of the cash I would have saved booking elsewhere. Meaning a good budget is better than any card…?
@@mrjohncollinsYou are right, we both are saying the same thing but using different POV. If I book in for eg. Expedia it may cost $100/night but the bank portals may cost $120/night .
I don't get why you think CSR is pushing their portal less than Venture X? CSR gives you a points multiplier for using their portal. VX does not.
Capital One getting better and better. Amex coupon book approach may be too much for some. Let the migration to Venture X begin...
I hear the rationale for the math explained for the CSR. Stand alone it's what you say.
With the Unlimited and flex included with general spending multipliers higher and redeemed with the CSR I don't see a negative.. just waiting now to position the bonus spending to a time I know it will be easy.
Hi Sebby, any updates on the Chase/Air Canada credit card?
For long term it would be the CSR for me solely because I live in a delta hub and frequently transfer points to Virgin Atlantic to book delta award flights since delta skymiles typically aren't worth much. I was able to book direct flight to Hawaii from MSP for 45000 Virgin Atlantic points rather than the cash price of 1000+ dollars
You just taught me something here
@@IdeaMusicKen Anytime, it's so much nicer booking Delta flights through VA because VA has a fixed award chart. So I think in theory the most you could pay for a flight is 50k which would probably be cross country. Dont know about business class tho
@@SonnyChanhvongsak wow thanks a lot.
I’d like to see a video on how to book Delta flights with points using Virgin Atlantic…and other similar partner arrangements.
@@dr.figvideos3303 For VA there is nothing to it. Just plug in your destination and select flexible dates and paying with points. You'll see a calendar with the award availability depending on what dates you choose, and you'll notice under some flights it'll say operated by delta
Just got my Venture X. I tried to book on cap travel for flight to Cancun to use the $300 annual bonus. Prices are comparable to whats posted on the airline (AA) in this case but once i get to the final step to pay, the ope up says price has increased. Its happened 2 days in a row. 50 a ticket yesterday and today its up 100. Thats alot considering im buying for 6 people and eats up that $300 bonus. This is kinda shady for Cap 1. I'll just book direct with AA since I have status there.
Wells fargo is offering card switch from the platinum card to the active cash card. In the past, they would close one account&open a new account for the new card, causing loss of account history. Did they change that now with this new card?
I disagree with Sebby’s valuation of C1 points (0.5 cpp). They can be used to book through the travel portal @ 1 cpp, and the portal’s prices are not inflated (for every trip I searched, flight and hotel prices the same as the results returned by aggregators like Google Flights)
When I got the Venture X the Capital One employee told me that I had the option to downgrade to the Venture One or QuickSilver card
Thanks for the video Sebby. I am considering applying for the Venture X card and one of the considerations is downgrade options that will allow me to keep the points and pay no annual fee. Through some quick Googling, I saw that the Capital One has the VentureOne card (with zero annual fee) and the card apparently has transfer partners too (15+ partners according to the VO page). Have you taken a look into this? Whether the downgrade to the VO would allow you to keep the points? And whether the transfers are maintained at the same transfer rates as the VX? If yes to both questions, I would think that this is another advantage that the VX has over the CSR. Chase doesn't have an option for you to keep your points and transfer options at zero annual fee.
My understanding is Venture does keep the points. But I also believe CFU can hold CSR/CSP points. You just loose the redemption multipliers.
In a month or so I'll be getting the venture x and downgrade the CSR when the annual fee comes due. Hard to get the value for me with traveling less.
personnally living in the EU that 2X on every purchase (venture x) is huge
So I understand with the authorized user for both but what I also wanted to know was how does that correlate with Priority Pass? With CSR I believe you get 2 free guests does the AU get that as well? What about VX? You can get 4 AUs my assumption would be no guests would that be correct?
Does the 524 rule apply to Amex charge cards or only credit cards?
Can you go over the travel portal. Is it prices on it overpriced compare to the direct airlines site.
Chase is great for
My family since we usually use Southwest and Hyatt.
Any detailed information on how to get 2 cent or 4 cent per point value?
Long term I would keep the Venture X and replace the CSR with a CSP for points transfers and protections.
Agree, this looks like the best game plan to me as well
Can I downgrade my CSR to CSP if I use to have a CSP that I downgraded to Chase Freedom already?
The venture x basically has all the protections of the CSP though, correct?
Only reason to get the CSR once chase expands their sapphire lounge network
@J M keeping venture x would mean using on the capitol one’s portal for all travel needs. Are you fine with that?
What about vacation rentals ? Is there a good cashback there ?
I found out that Reps usually do that in order to help the bank that they work for than their customers. If they let everyone dwongrade or upgrade then they don't gain money from the AF
What camera are you shooting with now
Sebby, can military get cap one annual fees waived under MLA?
The travel insurance offerings on the cards look quite different to me, I’m not sure why you said they were equivalent. The Venture X doesn’t seem to have any trip cancelation or emergency medical/evacuation.
Venture X has $2,000 trip cancellation insurance.
For the venture X annual $300 travel credit, can you redeem a hotel room for someone else other than the cardholder?
I have both
Can you transfer points from the Venture card to the Venture X? Or from the Savor or the Quicksilver to the Venture X?
Yes
Really random, but I can recognize a Cosmopolitan room from any angle! 😅
Wanted to know what’s the best credit card for fuel???
Alright now Comparison with Amex Platinum. Thanks
Hahaha soft inquiry 🤣🤣 you sold me there
If I have Chase points and I get the Venture card can I use both points combined?
How does the phone protection work in actual practice? My family has 4 iPhones on monthly payment plans with Verizon. If I start paying my bill now with a card that includes protection are they all immediately covered? Is filing claims a smooth & easy process or a major PITA?
You have to read the terms and conditions. Most that offer phone protections have certain caps, so idk how 4 phones would be covered.
Can I transfer my CSR points and down grade to a card with no annual fee
The Bonvoy Boundless has the intro bonus of 3 free nights, but looking around it's not even easy to find a night for 50k points or less. Whereas you could go to London and stay at a Hyatt for under 10k points. For me that makes Chase so much more valuable.
8:20 Oh speaking of Apple Care+, I broke the screen of my last iPhone within the first month of use, so I decided to buy Apple Care+ when I bought my iPhone 12 Pro Max last year. Well well well... I have dropped my new phone countless times since then and the screen just refuses to crack. Lol
Does it make sense to have both CSR and Venture X?
I called Capital One trying to Product Change my QuickSilver to the Venture X but was not an option
Great video. Does the $300 annual travel credit apply immediately on your statement after the spend, or does it occur on anniversary date of the card?
Immediately. You will get a statement credit within a day of your “travel” category purchase until you reach $300. It resets every year around your anniversary date
Which portal is better chase or capital one? Con you fly with delta American Airlines in capital portal?
Capital One is backed by Hopper, Chase by Expedia. I believe both can book Delta and AA. AFAIK it's Southwest that hides from portals but I've heard you can voice book SW on C1.
What consider a high spender we spend 3k on on our navy federal flagship card ever month
Any datapoints on what to do if denied? Anyone call Capital One and talk into approval?
Newb question. Can both these cards be used for business vs personal? Still a bit confused if there are official "business" categorized cards...or if they're all basically the same. Thanks!
You could use these cards for business, but you would have to make sure there’s no personal spend on the cards for business accounting purposes. Capital One’s dedicated business credit cards are the Spark line, and Chase’s dedicated business credit cards are the Ink line.
There's nothing special about a business card per se. They just tend to make it easier to track spending and whatnot for tax purposes.
Hi, Can someone confirm if authorized cars also get priority pass ? I checked their website and there is no mention of it. Thanks
Yes they can 👌
Great
I'd like to get the venture X card but capital one seems to hate me lol. I have several 15 to 20 k limit cards but im still at $800 with capital one no matter how many increases I ask for. I'm afraid I'll get denied for whatever reason. Average is 792 credit score. Suggestions
So far my own math demands csR + ventureX, will re-check it every year.
Once you have Venture X how do you justify CSR over CSP?
I don't have AppleCare. Like you said by your 20s you should know what type of person you are. I pretty cautious with my phone and haven't had any cracks/issues since 2013 owning my first iPhone.
Same, but I dropped my iPhone with a case a couple of months ago and still got a green line of screen damage. You never know.
Do you offer paid consultation calls? Would love to have a conversation.
I've had a Capital One Venture card for quite a while now, so I ended up following the path of your optimal strategy. I got a Chase Sapphire Preferred right before the 100,000 mile bonus ended, and earned it after the first month. I applied and got a Venture X on the first day it became available, and just downgraded my Venture to a Venture One before the annual fee hits in a couple of days. Of course I transferred my remaining points from Venture to Venture X before downgrading. Thanks Sebby for the great content!
Did you have to transfer your miles first , don't all the miles go together as miles credit?
@@ayman.ibrahim I did transfer the miles to Venture X first, as they are separate between each card.
@@bvzweig how did you do that? Is there a option on the Capital one portal? I just got approved for the venture x and want to downgrade my venture to a venture one. I don’t currently have that many miles on the my regular venture since I pretty much accumulate and use them but still would like to transfer whatever I have before downgrading. Thanks in advance!!
I have had the CSR for a few years and was disappointed by their latest "revamp" when all their other cards got real love.
So I got the VentureX and will downgrade the CSR to the Preferred (combined = same annual fee as CSR)
Why not downgrade to a no Annual fee chase card?