Some good, and some bad for sure. Just wanted to share what my experience had been like so far so it could help somebody else thinking through it on their own! Thanks for watching!
Good honest video. I didn't understand why you said that the Venture X card allows you to get to Priority Pass lounge but at the end you showed a priority pass card and said that Venture X is not part of it.
Hey, thanks for watching the video! I went back and rewatch the end and I wonder if you may have misunderstood what I said. Just to be sure, the venture X does allow you to get into priority pass lounges. The key thing to watch is some priority pass lounges are really awesome while others are a little lame.
My 2 favorite now is Captial one venture x since I live in Dallas and chase sapphire reserve as i travel to NYC and they will open phoenix it hits up those travel spots where I go most often! I also like to multiplier on both and they both offer $300 travel credit! I think Chase has more transfer partners and more lounge openings! I use Chase with my business ink to grow my Chase points !
RE the rental insurance: you may still want Hertz’s insurance vs Capital One’s. The Venture X provides secondary CDW, meaning your personal auto insurance would kick in first, and only after that is exhausted would the Venture X insurance kick in. I haven’t looked, but Hertz is more likely to offer primary CDW. This is what can get the Sapphire Preferred to pay for itself over a couple rentals, because it does offer primary CDW.
I definitely think this is one of the things new cardholders get surprised by the most after having the card. Good on you for actually checking out the partner list and judging if it's going to be worth it for your own personal travel style.
Pays for itself, access to lounges, premium stay perks, and good airline transfer partners makes it a must. It doesn’t have the Chase partners for sure, but it’s absolutely a no brainer in terms of worth.
Awesome video. Tbh I have a hard time finding a good redemption rate for domestic flights with most card issuers. That’s why the CSR’s 1.5 base portal rate on this is amazing. However the CSR, doesn’t have cell phone protection. You could use your freedom flex for cell phone protection. World elite Mastercards seem to offer more broad cell phone protection.
It can't hurt having your cell phone bill on a card with cell phone protection even if it doesn't cover everything you'd expect (like my situation in this video). I'm starting to think that one day the CSR may be the way to go, especially if I accumulate a ton of Chase UR points.
3rd best travel credit. USBAR has the best travel credit ($325) and covers dining as well for $400 AF. VX is a $300 discount now and not a statement credit anymore.
Can you correct me if I'm wrong. The pro of the venture X over the USBAR is that with the anniversary mile bonus and the 300 discount, you are still being paid $5 a year just to have it, assuming you already spend that much on travel, no?
Thank you for your time. I am getting the Capital One Venture next week. Going to Vietnam so will have no problem spending the $4k in 3 months. I just couldn't do an annual fee of $395. It's a mental block I think. :) As I like to read everything, if I get someone to sign up, I get a 50K bonus. That's pretty good.
Thanks for watching! Don't blame you at all for avoiding the higher annual fee, it's all up to personal preference. If you'd like to support the channel, it would be greatly appreciated if you used our link when you go to apply. No pressure at all though - hope you enjoy your time in Vietnam! Link: rdguarantee.link/Capital-One-Venture
Unless I'm mistaken, that cell phone coverage is a Visa Infinite benefit that is the same across all VI cards, such as the CSR and the altitude reserve. So, it's not particular to Capital One.
I hope I didn't make it sound like the cell phone protection is unique to the VX. If I did - my bad! There are a few $0 annual fee cards with cell phone protection too that can be great adds.
Better value with the chase unlimited and CSR. 50% point boost makes chase a 2.25x on every purchase, or cash out at 1cpp rather than capital one .8cpp. plus add the Flex and you're getting 7.5x on the quarterly categories. Chase trifecta is really hard to beat for the average person. No need for travel partner hassle when you can just use the portal for the point boost. Simple.
I've got the CSP and the Freedom Flex now. I use those as my dining and rotating category cards to try to maximize value for Chase Points, then use the Venture X as catch-all for things that don't fit in to Chase's elevated categories.
I also have issue with your criticism of Choice Hotel points. Choice points are worth more than Hilton points, for example. The problem is that Capitol One transfers to them at 1:1, whereas Citi and Wells Fargo transfer at 2:1. So a bad redemption with C1 only.
@@robertjarrell7276 just did (again). I’m not paying $200/30k pts (.66 cpp) night to stay at a quality inn. 🤡. And Choice upscale are a Hilton midscale..with worse service/quality/return on spend.
Have you had an Apple Store service rep confirm that the lightning port is actually fully failed requiring replacement, vs. just being filled up with dust and pocket lint? It’s common for lightning connectors to stop charging and require cleaning out of packed-in dust with a toothpick to restore functionality.
Really appreciate the shout out here. This is actually exactly what it turned out to be. They were able to fix it for free since I also went in for something else too!
@@TheRDGuarantee Happened to me back on an iPhone 5, and I guess they hadn't figured out the cause yet because I got a replacement model out of the deal. Happened again on an iPhone 6S+ and the rep knew exactly what the issue was right away and fixed it quick. I haven't had it now that I mostly wirelessly charge, but I have cleaned out a friend's port with a toothpick.
So I get that the 10 and 5 is great, but I have never had booking through capital as being the least expensive way to book….so I never get it. So I just use the venture and still get the 2x on everything. The lounges I have not really looked into so🤷♀️
I think it's the no debt or you have to show that you carry a balance then pay off. I pay off or hold a balance on one card and pay more double the amount to pay it down. Then I get accepted for other cards. Idk why but that's what I think it is. I got approved my 1st try.
I'm currently using the Capital One Venture X and BILT Mastercard as my main setup. I only use these two cards. I first got the BILT card, and I would use that card for all my purchases. I recently got the Venture X, and I used that card for all my purchases to meet the sign up bonus requirement. Now that I got the sign up bonus points... I'm using both at the same time. BILT for rent day and dining and the Venture X for all other purchases. Do you guys think I should only stick to one card to keep all my points on one card? Using both cards will evenly distribute my points between both cards. I'm not sure if it's best to just stick to one.
I think it depends on how often you travel and how quickly you think you'll redeem the points/miles. If you travel somewhat infrequently and have time to stack points in two different currencies, then points diversity can be a good thing! It gives you redemption options when you go to take a trip. But if you travel all the time and don't have time in between trips to earn more points/miles, spreading them out over two card providers can limit you.
Totally agreed w you on the domestic flights and Priority Pass launches in the United States. It is so hard to get a seat within the US flights …. Priority Pass launches isn’t that great but better than buying food outside, sometimes I feel buying outside food, seems to be a better choice that is if you want to spend money.
I fly through ATL with every flight I take (Delta) and super disappointed by The Club at ATL. It’s barely a “lounge”, super small, and packed. Being across from the Skyclub, I have lounge envy.
Hi. How easy has it been for you to redeem the $300 annual travel credit with the Venture X? Do you think this feature alone justifies the card’s annual fee?
It’s one of the easiest travel credits on any card to redeem. With the card once you go into Chase travel to book your trip before you check out. It will ask you if you’d like to apply your travel credit to the purchase. You will get it refreshed to $300 every single year.
It does not carry over from year to year, so make sure you have at least one trip per year on the books that will cost at least $300. If you have to go out of your way to take a trip you wouldn't normally, then this card may not be the best fit. Thanks for watching!
I don't know, I've really enjoyed the Presidents Circle since I've started because of the upgrades. I'll rent a car that goes for $89-$95/day and after I ask for the upgrade at the counter, I'm into a car that would have rented for $95-$115 a day. Recently they upgraded me two classes "just because". Maybe this would happen with some sweet talking at the counter or maybe the Pres Circle does help.
@@glennr9913 Internationally it will vary. Domestically in the US, Hertz PC is a good benefit. You can get something 2-3 tiers higher for the same price. And on the C1 portal, I find it to be significantly cheaper than booking direct.
Yea, I think the entire credit card / lounge industry is dealing with that right now. They made the value so good on some of these cards that everybody has lounge access now.
Let me help you...If you are acquiring and using credit cards for points, and you are fixated on benefits...then you don't understand the actual purpose of a credit card.
Appreciate the realistic perspective of the the VX.
Some good, and some bad for sure. Just wanted to share what my experience had been like so far so it could help somebody else thinking through it on their own! Thanks for watching!
I really like having the free authorized user. My wife got the priority pass for her own, which was super helpful when she had to travel recently.
This is one of the best benefits. It's a great feeling being able to bring some friends with you into the lounge.
@@TheRDGuarantee foreal. Definitely get my annual fee worth
Good honest video. I didn't understand why you said that the Venture X card allows you to get to Priority Pass lounge but at the end you showed a priority pass card and said that Venture X is not part of it.
Hey, thanks for watching the video! I went back and rewatch the end and I wonder if you may have misunderstood what I said.
Just to be sure, the venture X does allow you to get into priority pass lounges. The key thing to watch is some priority pass lounges are really awesome while others are a little lame.
My 2 favorite now is Captial one venture x since I live in Dallas and chase sapphire reserve as i travel to NYC and they will open phoenix it hits up those travel spots where I go most often! I also like to multiplier on both and they both offer $300 travel credit! I think Chase has more transfer partners and more lounge openings! I use Chase with my business ink to grow my Chase points !
RE the rental insurance: you may still want Hertz’s insurance vs Capital One’s. The Venture X provides secondary CDW, meaning your personal auto insurance would kick in first, and only after that is exhausted would the Venture X insurance kick in. I haven’t looked, but Hertz is more likely to offer primary CDW.
This is what can get the Sapphire Preferred to pay for itself over a couple rentals, because it does offer primary CDW.
I took one look at the transfer partners and knew right away this card wasnt for me. Not sure why people overlook that..
I definitely think this is one of the things new cardholders get surprised by the most after having the card. Good on you for actually checking out the partner list and judging if it's going to be worth it for your own personal travel style.
Yeah. But meh. They got Wyndham. A transfer of last resort or special use case (resorts!)
Good point. Am I right in saying this? If you spend $400 bucks a year on travel, the card is still paying you $5 a year just to have it, right?
Pays for itself, access to lounges, premium stay perks, and good airline transfer partners makes it a must. It doesn’t have the Chase partners for sure, but it’s absolutely a no brainer in terms of worth.
This is exactly why I’ve been dissuaded from applying for it. Also none of the airports I frequent have their lounges so 🤷♂️
Awesome video.
Tbh I have a hard time finding a good redemption rate for domestic flights with most card issuers. That’s why the CSR’s 1.5 base portal rate on this is amazing. However the CSR, doesn’t have cell phone protection.
You could use your freedom flex for cell phone protection. World elite Mastercards seem to offer more broad cell phone protection.
It can't hurt having your cell phone bill on a card with cell phone protection even if it doesn't cover everything you'd expect (like my situation in this video).
I'm starting to think that one day the CSR may be the way to go, especially if I accumulate a ton of Chase UR points.
3rd best travel credit. USBAR has the best travel credit ($325) and covers dining as well for $400 AF. VX is a $300 discount now and not a statement credit anymore.
I was just going to point this out!
USBAR and Amex plat are a completely diff classes compared to rest. But my top 2 travel cards.
What’s been ur experience booking hotels on US BANK portal (to get 5x)? I intended to try Cpl times this fall
Can you correct me if I'm wrong. The pro of the venture X over the USBAR is that with the anniversary mile bonus and the 300 discount, you are still being paid $5 a year just to have it, assuming you already spend that much on travel, no?
Thank you for your time. I am getting the Capital One Venture next week. Going to Vietnam so will have no problem spending the $4k in 3 months. I just couldn't do an annual fee of $395. It's a mental block I think. :) As I like to read everything, if I get someone to sign up, I get a 50K bonus. That's pretty good.
Thanks for watching! Don't blame you at all for avoiding the higher annual fee, it's all up to personal preference. If you'd like to support the channel, it would be greatly appreciated if you used our link when you go to apply. No pressure at all though - hope you enjoy your time in Vietnam!
Link: rdguarantee.link/Capital-One-Venture
Unless I'm mistaken, that cell phone coverage is a Visa Infinite benefit that is the same across all VI cards, such as the CSR and the altitude reserve.
So, it's not particular to Capital One.
I hope I didn't make it sound like the cell phone protection is unique to the VX. If I did - my bad!
There are a few $0 annual fee cards with cell phone protection too that can be great adds.
@@TheRDGuarantee
It did sound like that to me, but you didn't overtly state that that VX benefit was inferior to one offered by another card.
Better value with the chase unlimited and CSR. 50% point boost makes chase a 2.25x on every purchase, or cash out at 1cpp rather than capital one .8cpp. plus add the Flex and you're getting 7.5x on the quarterly categories. Chase trifecta is really hard to beat for the average person. No need for travel partner hassle when you can just use the portal for the point boost. Simple.
Cash out for venture x is actually 0.5 CPP so even worse
I've got the CSP and the Freedom Flex now. I use those as my dining and rotating category cards to try to maximize value for Chase Points, then use the Venture X as catch-all for things that don't fit in to Chase's elevated categories.
Chase cards aren’t good earners & redundant, CSR $$$with mediocre return. And Chase has no flat 2% card. USBAR > trifecta 👍
I also have issue with your criticism of Choice Hotel points. Choice points are worth more than Hilton points, for example. The problem is that Capitol One transfers to them at 1:1, whereas Citi and Wells Fargo transfer at 2:1. So a bad redemption with C1 only.
Choice pts are def NOT worth more than Hilton pts. 😂. And they devalued them twice in 2024.
@@newagain9964 Apparently you don’t do math.
@@robertjarrell7276 just did (again). I’m not paying $200/30k pts (.66 cpp) night to stay at a quality inn. 🤡. And Choice upscale are a Hilton midscale..with worse service/quality/return on spend.
@@robertjarrell7276$200/30k pts .66 cpp to stay at quality inn. 😂
Well stated, right down to the biscuits & gravy. Biscuits were like little bricks. 😆😆
haha ugh
Have you had an Apple Store service rep confirm that the lightning port is actually fully failed requiring replacement, vs. just being filled up with dust and pocket lint? It’s common for lightning connectors to stop charging and require cleaning out of packed-in dust with a toothpick to restore functionality.
Really appreciate the shout out here. This is actually exactly what it turned out to be. They were able to fix it for free since I also went in for something else too!
@@TheRDGuarantee Happened to me back on an iPhone 5, and I guess they hadn't figured out the cause yet because I got a replacement model out of the deal. Happened again on an iPhone 6S+ and the rep knew exactly what the issue was right away and fixed it quick. I haven't had it now that I mostly wirelessly charge, but I have cleaned out a friend's port with a toothpick.
So I get that the 10 and 5 is great, but I have never had booking through capital as being the least expensive way to book….so I never get it. So I just use the venture and still get the 2x on everything. The lounges I have not really looked into so🤷♀️
You got the hertz benefit wrong...not expiring
Not anymore! The Hertz and Capital one extension was announced after this video went live. Great news for cardholders!
820 credit score, no debt, make decent money and still cant get past the pre approval.
Anyone have any suggestions?
That's crazy!
700 just got approved keep applying
I think it's the no debt or you have to show that you carry a balance then pay off. I pay off or hold a balance on one card and pay more double the amount to pay it down. Then I get accepted for other cards. Idk why but that's what I think it is. I got approved my 1st try.
Great review.
Thanks for watching!
I'm currently using the Capital One Venture X and BILT Mastercard as my main setup. I only use these two cards. I first got the BILT card, and I would use that card for all my purchases. I recently got the Venture X, and I used that card for all my purchases to meet the sign up bonus requirement. Now that I got the sign up bonus points... I'm using both at the same time. BILT for rent day and dining and the Venture X for all other purchases. Do you guys think I should only stick to one card to keep all my points on one card? Using both cards will evenly distribute my points between both cards. I'm not sure if it's best to just stick to one.
I think it depends on how often you travel and how quickly you think you'll redeem the points/miles. If you travel somewhat infrequently and have time to stack points in two different currencies, then points diversity can be a good thing! It gives you redemption options when you go to take a trip. But if you travel all the time and don't have time in between trips to earn more points/miles, spreading them out over two card providers can limit you.
Totally agreed w you on the domestic flights and Priority Pass launches in the United States. It is so hard to get a seat within the US flights …. Priority Pass launches isn’t that great but better than buying food outside, sometimes I feel buying outside food, seems to be a better choice that is if you want to spend money.
I'll still take bad free food at a lounge over paying for airport food... but I'm also (to a fault) one of the biggest bargain hunters you'll find
I fly through ATL with every flight I take (Delta) and super disappointed by The Club at ATL. It’s barely a “lounge”, super small, and packed.
Being across from the Skyclub, I have lounge envy.
Thank you! You feel my exact pain. Sorry thats your main lounge :/
80-90% PP are just meh or mediocre.
Given the option, I’m choosing a Centurion, Escape, SkyClub, or Lufthansa lounge every time over a Priority Pass lounge, and it’s not even close.
@@_iErik Problem with the VX is 95% of your lounge access is PP.
@@_iErik - thats good to know. recently got the platinum & going to try a skyclub on my next delta flight.
Hi. How easy has it been for you to redeem the $300 annual travel credit with the Venture X? Do you think this feature alone justifies the card’s annual fee?
It’s one of the easiest travel credits on any card to redeem.
With the card once you go into Chase travel to book your trip before you check out. It will ask you if you’d like to apply your travel credit to the purchase. You will get it refreshed to $300 every single year.
As long as the travel credit exists with this card, I will never cancel the Venture X because that credit gives so much value
Looks like they removed the progress bar towards sign up bonus ?
Perhaps. I got this card in July, and I already met the sign up bonus minimum spent.. I never got a progress bar for it
Does the travel credit expire or it will roll over the next year?
It does not carry over from year to year, so make sure you have at least one trip per year on the books that will cost at least $300. If you have to go out of your way to take a trip you wouldn't normally, then this card may not be the best fit. Thanks for watching!
Couldn’t you have just smashed the phone and it would have been covered then? Lol
Theoretically absolutely yes
I don't see any benefit for Hertz President's Circle. Prices seem better elsewhere.
I don't know, I've really enjoyed the Presidents Circle since I've started because of the upgrades. I'll rent a car that goes for $89-$95/day and after I ask for the upgrade at the counter, I'm into a car that would have rented for $95-$115 a day. Recently they upgraded me two classes "just because".
Maybe this would happen with some sweet talking at the counter or maybe the Pres Circle does help.
@@TheRDGuarantee Hertz wanted $1605 & Europecar only charged $1035 for 22 days. I didn't notice any upgrades offered. Maybe I missed it?
@@glennr9913 Internationally it will vary. Domestically in the US, Hertz PC is a good benefit. You can get something 2-3 tiers higher for the same price. And on the C1 portal, I find it to be significantly cheaper than booking direct.
I love my VentureX! I kinda wish they'd make it a tad bit more expensiver so it would keep the Cap1 lounges from being overcrowded.
Yea, I think the entire credit card / lounge industry is dealing with that right now. They made the value so good on some of these cards that everybody has lounge access now.
Uhhh. Bruh. Why not just cap limit on guests…to 1. That would be good for cap1 then Cpl would have to get 2 VX (more spend).
Would you happen to know if The president hurt status will be removed off the regular venture as well.
Yes. Dec 2024.
If you have status with airline Can you write your SkyMiles, for example to keep your status? Please let me know
Just break your phone screen
Let me help you...If you are acquiring and using credit cards for points, and you are fixated on benefits...then you don't understand the actual purpose of a credit card.