Download MaxRewards: maxrewards.app.link/spencer (Code: SPENCER) 💲 To see me compare all of the premium travel credit cards on the market right now, watch this video next: th-cam.com/video/JC_S4gXG2_o/w-d-xo.html 🎥 Do you think the Venture X lives up to the hype? 👇🏼
Personally it’s one of my favorite cards out there rn. Low annual fee for what it offers. I’m easily able to use the travel credit so the card is pretty much free. I have gotten to use the price match often actually , most of the time they do apply it automatically. Finally it’s a perfect all catch card for me. They also offer lots of cash back for many retailers I use. Only complaint is I wish they had more capital one lounges. Although I think once they do they will nerf some of the other perks.
Great job on the pros and cons of the Venture X! I can definately see why people would get it and maybe in the distant future, I will too. Max Rewards has been trash for me the last month or so hahaha not updating some of my cards.
Thank you Sledge! I imagine it's less valuable for someone in your position right now, but it's a solid card as it stands at the moment. And MaxRewards is mid rollout on their new version of the app so I think that's why they're down. Of course I'm not on the dev team, but that's my understanding of it.
Awesome unbiased video about the VX, Spencer. This was very helpful for myself who has the VX. My biggest takeaways were the “lack of flexibility and how majority of people would prefer the boost over the 2x multiplier.” That exact reasoning is why I still use my CFU as my catch-all instead. With the CSP boost I’m technically getting 1.875x from the portal and a fixed value of 2x Southwest miles (1.4 fixed rate). You might as well call it a 2x card based on redemptions lol. All in all if im in an emergency situation, I don’t feel confident in C1s redemptions due to their lack of flexibility
Thank you so much man! I think those two takeaways you mentioned are good ones to note. I can definitely see why you'd use the CFU as your catch-all still, and I frequently do too. Thanks for sharing your thoughts!
@@SpencerJohnsonOfficial yeah those SW and Hyatt redemptions are clutch and worth the 50% hit in earnings. That’s why you’re one of my fav credit card TH-camrs… from the standpoint of relating to the “common person” in the space. Your setup closely resembles mines, which helps me a ton. I would add another VX con… is that there is no recon-line so you’re pretty much screwed if you’re denied lol and there’s not much of a human element to assist you. Overall, as dope as the duo is from an earnings standpoint… I would always see the setup as “secondary” to Amex and Chase, but of course YMMV… that’s the beauty of the game 😉
Definitely the best travel card for the average person in my opinion. I travel 2-3x per year so I use the credits they offer easily. I don’t really care too much for lounges mainly because I get to the airport right on time before my flight. So I never really have 2-3hours to kill which if I did would make sense having lounge access. Since this card is a VISA credit card I put absolutely all my expenses on it. I’ve had the card for 5 months and I’m close to 185k in miles already. I did have a 25k referral and the 75k bonus that helped a lot. I hate juggling several cards and accounts so I only have this card and honestly I don’t see any other reason for me to switch to another card or have another card. Best card for me for travel and for a “catch all” card.
Thank you so much for sharing your experience! I think you are the exact right person to have this card from the sounds of it. It's objectively a great card, but for some it doesn't necessarily provide enough to make it worth it. As a one card setup though, it can work pretty well as you noted!
The Venture X is definitely a great option to be able to utilize as a Keeper Card if you utilize the Travel Credit & Bonus Miles each year. Definitely a good starter premium travel Card as well with the lower $395 Fee. With that said, Capital One is definitely not my favorite issuer, and we've had some trouble with Capital One Customer Service and them not giving us the signup bonus when we got the Savor One in our 2 Player Setup. Great video Spencer!
I do love the Venture X for now, but I can see it getting worse as time goes on. But I'd definitely take advantage of it now while we can!! That sucks y'all have had bad customer service experiences with Cap1... unfortunately that seems to be the norm. Thanks for watching man!
You have to be careful with them. The first time I prequalified for the SavorOne, it was the no Sign up bonus one, I tried an hour later and was pre qualified for the One with the Sub hahaha. But Capital One hates me so I didn't expect anything different
Love this card. Held it since July 2023. Probably one of few positives I can say about C1. I plan on applying for Savor One in January and then I am done with C1. Customer service leaves a lot to be desired and credit limit increases are not easy to get.
Love the perspective of venture x sitting on its own between the csr and csp. It's a card I can rationalize the fee easily when I don't need the high perks during slow travel years
I'm glad you liked that! I just think we often mistake this card for being a top dog luxury travel credit card when it really slots in between the middle and high tier cards. Thank you for sharing your thoughts!
I think this card is great for two types of people. 1) You're a free agent and don't care about status or what hotel you stay at 2) You don't mind using portals. I think if you fit into these categories there is a lot of value to be had from his card Definitely agree with your cons though. I would pay a higher annual fee to get a boost when using the portal, or to have domestic airlines, or better hotel options
just applied last night, will have it on the mail in 2 days, this is a good alternative if you travel and take advantage of all the benefits like me, i used to have the Amex Platinum but had to cancel since they jacked up the annual fee to $700. i'm excited to have it delivered soon
A great card to have that will help to improve your credit profile. I do wish they had travel partners for flights, but we like the zero foreign transaction fees.
I'm highly considering the Venture X and I agree that it can't really be compared to the AMEX Platinum or Sapphire Reserve. They seem to be in the same category, but the annual fees and benefits are just a little too different
As I mentioned at the end, I think it's an awesome card as it stands right now, but I wouldn't be surprised if they nerf it in years to come. For now though, we can get a lot of value out of it!
You did a great job of laying out the pros and cons. The VX has given me great value thus far and I think it's a keeper for now. I have no problem with booking flights through the Cap1portal and I have already booked a hotel that I didn't have status with through them and it was great. We shall see what the future holds...
Great overview of the card! I love mine and have noticed that C1 has a different customer service department for the Venture X card. When they answer these calls specifically, they are called "personal client managers" or something like that. They all seem very knowledgeable and customer service oriented. Definitely a drastic difference when I call C1 for my Savor one. Until more perks of the card get nerfed, I think it is the best premium card on the market today. Also, for those wanting to apply, make sure to use the C1 Venture X preapproval tool (not just the regular C1 tool). Another great video!
Thank you so much Steve! That's very interesting to hear that their CS reps are seemingly better for the VX than other cards. That makes sense in a way! I definitely think this card is a powerhouse for now, but hopefully it stays that way! Good note about that VX specific preapproval tool. I'm glad that link is out there now!
I appreciate that David! I'm glad you agree. I do love this card right now, but I don't think it'll be one I love forever. Sounds like the same is true for you!
Valuable information! I just got approved for Venture X 2 days ago. I like that it is simple. It might not have a lot now in terms of partners & lounges, but for a new travel premium card its great! I live in Dallas, so I got the advantage of being able to use the lounge there for my future travels. Hopefully in the future CO will make positive upgrades. Especially in the earning points category & boosts. Appreciate your channel! Keep it up! 👍🏼
Lol con cause it is a Capital One card! I definitely feel you on that one. Almost feels like to me Wells Fargo is moving in a much better direction. At least for credit cards compared to Capital One. Awesome video!
Hahaha I said it how it is! I'm excited to see if WF introduces travel partners at some point. I think they're becoming more and more competitive as time goes on, but they sure take their time to get there.
I think it’s not that they prefer risky customers (really, that doesn’t make any sense because if those people don’t pay, they will lose money) but they are very picky with hard inquiry counts. I got approved on 750ish score and
Question, I closed my Capital One Venture One back in March of 2023 frustrated with the multipliers not knowing I could potentially product change into the Venture X. I contacted reconsider to request it reopen. What do you think my chances are ?
Valid points you bring up. We haven't had an issue with the portal and it's worked well so far for a non-category catch all. I do wonder if they'll eventually nerf it though. If that's the case I'll just cancel. There's nothing so great about the card that makes it stand out above the AMEX Platinum IMO. Thanks for the info + video!
Great Vid man. Would love to see this format for the CSR. Not sure if you have it but you did such a good job doing A/B comps that I think it would be of tremendous value.
I would love to do the same as well! I don't have the card yet so I won't fully be able to talk from an experiential standpoint, but maybe I need to upgrade it soon to get that experience... we'll see! I really appreciate the kind words though, that means a lot!
Great video and summary of the Venture X. One question though, you said the cashback rate is half a cent. Can't points be redeemed at a rate of $.01 per point for travel booked via the portal and against previous travel purchases? Am I mistaken in thinking of the Venture X having what should be a minimum earn rate of $.02 per dollar (unless cashing out for non-travel or transferring to a partner and redeeming miles/ points for a poor value)?
Thank you so much! And yes you're correct that you'd get 1 cpp in the travel portal, however, I don't consider that to be cash back. By cash back, I mean cashing the points into your bank account or as a statement credit and doing that with your Cap1 miles will only give you 0.5 cpp, so don't do that haha.
There's no exact number that you need to wait till to get approved for this card! As I mentioned in the video, if you watch my watch me apply, you can walk through the preapproval process and see what your odds are of being approved. They even added a VX preapproval link lately that you can find online to get a better idea of your chances.
@@SpencerJohnsonOfficial I just wish that C1 would let me product change one of my QS cards to a SavorOne. The Vx and S1 pair so well together. I have 3 personal CapitalOne Cards and two of their business cards.
@@Polostar79 If you don't travel on a yearly basis or are unwilling to book through the portal, it is not worthwhile. However, with the $300 portal credit and 10k in miles, Capital One is basically paying you $5 to use the card as long as you use both items. Priority Pass is a wonderful benefit, and the 2x on non-bonused purchases is roughly 3.5x cash back with the transfer partners. I just applied for the card, and am looking forward to getting it in the mail!
The one thing that makes Capital One stand out above the other lenders are the "erase charges with points " options. You wouldn't have to use the portal for travel spending, you could still use your points to cover that charge after the fact. Granted, for Chase you could do rat for any purchase as "cash back," but it is nice to know you could do that.
That's awesome you have experience with all of them! I think your last sentence is exactly why I mentioned later in the video that you really can't compare these cards apples to apples. The VX is really in a category of it's own, so it'll always leave something to be desired when you compare it to the Platinum and CSR.
Question, if you're checking comments. Could you not transfer points from venture x to another capital one card, such as savor or quicksilver, and get a better cash back? I would not do this, but I was just wondering.
Great question! Unfortunately no you can't. You can only transfer from those cashback cards to the Venture cards, but once you do that, you can't transfer them back. Definitely something to be careful with!
@@SpencerJohnsonOfficial Good to know. Thanks. I have the savor and tried to get X but they declined me. My credit score was too high. What a bunch of idiots but I can’t say I blame them. I’m now looking at the Chase cards.
Tbh I really regret getting this card. Saw it was cheaper than the plat or CSR, but I really get little benefit out of it. The transfer partners (and thus the point value) suck for domestic travel, priority pass sucks, and I don’t rly use the AUs. Of course the AF is lower but I wish I would have gotten either a CSR for PP restaurants or plat for actually usable lounges (centurion) and HUGE sub
I'm sorry to hear that! The good thing about this situation is that you can always downgrade the card to a lower tier card and apply for the CSR or Platinum instead. The bonus still gave you plenty of positive value, so you're in the green still!
@@SpencerJohnsonOfficial Yep I was thinking of doing that before my second year AF hits but feelsbad using a 5/24 slot for it :') especially since VX has 90k SUB rn
i honestly prefer that the travel credit is just a redeemable credit in the portal now as the last time i used it it took over 2 months for capital one to post the credit to my account. now i don't have to wait for it. yeah you may be missing out on 5-10x on that spend but is 30 bucks really worth waiting 2+ months for a credit to post?
That's very interesting! In my experience, that statement credit posted within a couple of days after the charge posted. I wonder why yours took so long!
Great breakdown of the card and why one may or may not want it! I agree it's the best beginner luxury travel card given the annual credit and lower AF compared to the other big two travel cards! Speaking of travel, the revamp of the Business Gold Card was very welcomed! I just unboxed the Business Rose Gold and uploaded a Shorts video, what do you think? Love your content! - Ivan
Thank you Ivan! It's definitely a solid card right now. If that stands to be true for the foreseeable future we'll see. That was a great Short btw! Super clean for sure.
Great video sir, I have had the VX card for just over a year. For me customer service is OK so far. Trying to work on a retention probably won’t get it, do have a question is there a downgrade from the VX card? Keep that content coming
Thank you! My experience with Cap1 travel may have been a one-off, but I had a good experience with them so far. That may just be the travel side of things though. As mentioned above, I believe the only real downgrade path from the VX is the Venture or Venture One cards. Thank you for watching!
I would argue it's Hotels are better than any other. Wyndham has more hotels than Marriott and Accor has one of the largest footprints worldwide. Granted they don't have a premium hotel, but I can live with that. My main problem is that no domestic airline. That really hurts cause I don't want to use alliances.b
November '23 will mark 2 years of using this card as my main spender. Your video is spot on with the pros and cons. I feel the X is a card that got overhyped in the credit card space to the point of getting annoying. I'm also glad you brought up Capital One's very picky selection of applicants for this card, something that often does not get brought up in other reviews of the X. I also think it's very likely the 10,000 miles annual credit will be restricted soon. Maybe you will have to spend $15,000 on the card in the past cardmember year to get the credit or something like that. I personally still use it as a main spender but if it gets restricted too much more then I'll probably go to the CSR instead.
That's awesome to hear you've resonated with this video after holding this card for 2 years. Your comment really echoed my thoughts on the card exactly!! We'll see what happens with this card over time, but I hope people have the right expectations of it before listening to all the hype out there these days.
Nice review of the Venture X Spencer! I'll admit, the only thing really keeping me away from this card is Capital One's questionable approval system. Maybe if I lived next to a C1 lounge, and I flew a lot through that airport, it may be worth the 3 hard pulls, but as it stands right now, it's not a card that's in my foreseeable future. Definitely a great started luxury travel credit card like you said 👍!
Thank you Stan! I completely resonate with that reason you haven't applied. Since I was fairly certain I'd get approved and wanted that starter premium travel card, it made sense for me, but I wouldn't say it makes sense for everyone. I appreciate you watching man!
Capital One Lounges are one of my favorite perks with the Venture X, its a great catch all card at 2x. Effective annual fee makes it a no brainer. The only thing I didn’t like is that it was travel portal dependent to earn the higher earnings rates. I downgraded my venture x when i got my amex platinum since there is a lot of overlap between both cards. I think when i get tired of the amex platinum annual fee ill go back to the venture x
Thank you for sharing your thoughts and experience Luis! I think your comment here resonates with a lot of folks. If I was to get the Platinum, I could see myself doing the same, but that travel credit is easy enough for me to use so maybe I'd hold both... we'll see!
@WhatsThePoints1 Venture 1... I don't really use it anymore, it's more of a placeholder for now since I'm focused on my Amex. I only use it when Amex isn't accepted
I have the C1 Venture X and one area some folks may not know is how bad is the C1 dispute a charge process is. Is a complete joke!!! I am so disappointed that I cut back significantly on spending to my Venture X Card. I don’t want to cancel it because of the Capital One Lounge in my home airport (IAD)!! I’ll make sure I get drunk at their bar for free every time I fly from IAD. I put the card in my underwear drawer. 😅
i liked your point at the end about the venture x not really having a fair point of comparison when it comes to other premium travel cards. for me the venture x slots more into that teir 3.5 that ben hedges coined. its more of a toe in the water when it comes to premium travel cards than a full jump like the CSR or platinum and it probably has a more fair comparison with something like the amex gold or green than cards with higher annual fees than the venture x. its just in a weird middle ground where it may be a great value for some people while still punching too low for others.
I'm glad that point resonated with you! I think trying to compare them apples to apples is a problem that a lot of us have. It really is in a bit of a niche of its own which makes it great for some folks, but not too beneficial for others.
Got the VX in June 2023 and the SUB plus travel credits definitely helped me to book some upcoming trips so as of now, this card has been great for me. If it starts to get nerfed in the future I’ll have to reconsider it, but for now the VX has been nice.
@@SpencerJohnsonOfficial thank you 🙏. Your videos are very helpful I’ve been going back and forth on the Venture X and the Sapphire Preferred, and the Capitol One Portal thing is causing me to really think hard about it
Just to note. Price matching might be good but that isn't really anything valuable. You can only price match within 24 hours. Which means if they didn't do price match then you can just cancel the flight and book the cheaper one. If we're talking 24 hours you're always free to book a cheaper flight if you find one
Venture X is great. Got it when it launched with the sweetest welcome offer. However, I wish people value venture miles more on the standard 1 cent per point when redeeming via the portal because C1’s transfer partner list SUCKS.
So something interesting I went through recently. I am looking for a bonus to give us some good credits and points toward an upcoming vacation this summer. This vacation will be on the budget end with lots all of my kids and I will be roadtripping. So my priority is number of nights from the lowest cost. Looking at the VX 90k offer and the CSR 60k offer both of which are $900 in value the whole the $300 credit on the C1 is more restrictive the $900 from the bonus is much more flexible as we could use it though a vacation club or other discounted rate stay service. With the CSR bonus I would have to push it to cash back and then pay for it that way. At which point it would only be worth $600.
That's definitely an interesting situation. I'd say if you're gonna use the Chase travel portal, the CSR is the better choice right now. But if you can even just book one hotel on the VX, you could use that credit right away and get positive value from that too. It's kinda up to where you're staying I guess.
Let’s not discount the 3x mobile wallet for catchall on the Altitude Reserve. Just wish it had more credits. It has arguably the highest effective AF for its class
That's a great point! I guess I feel like that card also stands in a bit of a category of it's own considering they don't have transfer partners, but I talked a lot more about that card a couple videos ago and gave it some love.
@SpencerJohnsonOfficial For sure, I just finished my 5k bonus on my Marriott card. I'm gonna try to get the Chase Business unlimited 90k offer now, then the Venture X after that.
That's awesome! Those ink bonuses are amazing for sure. If you aren't using a friends link and wanna support the channel, feel free to use mine and if you can't find it, just DM me on IG! @@deadxpride45
Are some people still able to transfer? Spoke to Cap1 rep the other day, and they said no after reading that people are having issues doing this recently.
It can be a big deal for sure! I guess they still do give that anniversary bonus worth more than you're missing out on now, but still annoying nonetheless.
I applied for this card last year and was denied. I am one of the people that fall into the "Capital One hates me" bucket. I have a credit score of over 800, pay no interest, and love this hobby. I found it weird that they asked about carrying a balance on the application for the Venture X. I was just approved for the Amex Platinum Card and am done with Capital One.
Dang I'm sorry to hear that. That question on their application is another glaring reason as to why I think they are a predatory lender in a way. No other big lender asks that question, so that speaks volumes to me. Good choice on your Platinum pickup though!
I disagree Spencer. Capital one is not approving your application if you don’t have an excellent credit. Hence the high credit limit. I do believe that they’re being very selective, approving those they think might spend on the card.
I respect that! While that may be part of it, I would say there's more to it than that. They deny people for this card all the time who have an 800+ credit score and would funnel a lot of money through this card in favor of people with less established credit history. That's the opposite of every other premium card so there must be more than meets the eye.
@@SpencerJohnsonOfficial I just applied for the card, and got approved within 3 days. Credit score of around 800, no debt, and no mortgage/rent. However, I am just starting on my credit card journey, and have only applied for one other card (Chase Freedom Unlimited) in the last 24 months (July 2024). I have heard stories of Capital One rejecting applications for people who have applied for numerous cards in a 24 month period (even with high credit scores), which is why I applied for it early (especially with the 90k SUB)!
The cash back redemption, their transfer partners and only being able to use the travel credit in their travel portal is why I pass on this card. Really good card though
Those are all fair reasons to not want it! It's a great card, but that doesn't mean it's great for everyone and that's what I was hoping to get across in this one.
@SpencerJohnsonOfficial yes sir, I am waiting for one of my inquiry to hit that two year mark and jumping straight to venture x since it got a 2X catch all category.
Ok I’m gonna have a trifecta of comments (see what I did there) Let’s never forget to call out C1’s arbitrary and limited product change rules! And since we can’t PC from a Venture to a Savor card, I STILL can’t figure out if I’m eligible for a Savor 1 since C1 bought out all the REI store cards from US Bank which supposedly puts me at their 2 personal card limit, so either I have to wait for the pre approval to work or risk 3 hard pulls 🙄
I'll take that trifecta all day! 😆 That's a great point too though. Capital One's product change rules are definitely a bit hard to really get a grasp on, even for themselves it seems lol.
I don't understand the portal complaint since they all give much higher points for using their portal and the few times I used it the rates were within a few dollars of Expedia and the hotels own site
I think it all depends on your travel habits. The main complaint I see is that if you have to change your booking you have to go through the lender which can be a headache. That and the fact that you have no status respected when you book through a portal can push some people away from them.
@@SpencerJohnsonOfficial I get the flexibility argument, and I definitely call the hotel to make sure they have a reservation in my name, but most of my trips are for an event so changing means cancelling
Has anyone tried getting a retention offer? I've had it for a year and would like to try, but I'm wondering if anyone else has been successful at getting a retention offer.
The hate at 11:30 isn't necessary. Calling Capital One predatory because they want customers who will actually use their card is dumb. If you have 10+ cards you probably aren't going to use their card enough to justify the benefits they give you. It's not really that hard of a concept.
I just hate the Venture X on one thing capitol one does not have to many credits you can do to offset the annual fee just in case you don't travel that year for some reason, of course if you travel during the year this card is useful but where it's not that useful is when you don't travel, This is why i will be going with American Express Platinum if I ever get out of popup jail, I can still get the platinum it's just it will be without the welcome bonus :(
That's fair! Granted, I'd argue if you're not traveling every year then you shouldn't get any of the premium travel credit cards. If it's a one off issue, then that'll happen with any of the cards, but just be sure to get the one that most fits your lifestyle.
I do not believe this to be true, but what article did you read it from? You can't post links in the comments, but if you put the article name I can look it up.
@@SpencerJohnsonOfficial there has not been an official article, at least not that I’ve seen. However if you go into your C1 account on both the website and app the option has been removed from your “redeem” tab on your rewards. When I called customer service they also stated they no longer see the option available on their end and unknown if just temporary. There’s also quite a few Reddit post about no longer being able to transfer them between your accounts. Give it a try and see if still gives you the option
@@dennisvargas7719 I don’t have a news article but simple to verify on your end. Log in to your C1 account on both web browser and app. Go to your rewards and under the redeem tab you’ll no longer see this option available. You used to be able to select your account you wished to transfer between
there is but it has been stated multiple times that a priority pass lounge has the right to let a certain amount of people in, thus you cant actually bring unlimited guests. but your mileage may very.
You won't be able to post links on YT, but there are people in my Discord that have their referral links for the cards and they'd love to have you use them! Just go to the referrals channel to find those links.
Not great for me, AF too much, extremely limited travel credit, bad multiplier categories and travel multipliers also limited to using their portal. Also no points earned on using the credit.
That's fair!! It's not a card for everyone. However, even if you just use the card once a year for a booking through their travel portal, you'll get positive value from it, so it's pretty easy to use all things considered.
Also it seems Wells Fargo is about to release transfer partners on November 15th for their no annual fee Autograph card so I would love to see a video on that review in the coming months!
Download MaxRewards: maxrewards.app.link/spencer (Code: SPENCER) 💲
To see me compare all of the premium travel credit cards on the market right now, watch this video next: th-cam.com/video/JC_S4gXG2_o/w-d-xo.html 🎥
Do you think the Venture X lives up to the hype? 👇🏼
The Venture X has been on my wishlist for a while now. Plan on adding it middle of next year. Great video spencer!
Nice man! Best of luck to you on your application and thank you for the kind words!
I love the magic card disappearing trick at 8:15 👍
Woah that's cool haha I never noticed that in the editing process 🤣
Spencer has skills. :)
Personally it’s one of my favorite cards out there rn. Low annual fee for what it offers. I’m easily able to use the travel credit so the card is pretty much free. I have gotten to use the price match often actually , most of the time they do apply it automatically. Finally it’s a perfect all catch card for me. They also offer lots of cash back for many retailers I use. Only complaint is I wish they had more capital one lounges. Although I think once they do they will nerf some of the other perks.
Thank you so much for sharing your experience with it! That's super valuable for folks. I appreciate you watching man!
@@SpencerJohnsonOfficial thank you for pushing out great content, ALWAYS 🙏🙏
Great job on the pros and cons of the Venture X! I can definately see why people would get it and maybe in the distant future, I will too. Max Rewards has been trash for me the last month or so hahaha not updating some of my cards.
Thank you Sledge! I imagine it's less valuable for someone in your position right now, but it's a solid card as it stands at the moment. And MaxRewards is mid rollout on their new version of the app so I think that's why they're down. Of course I'm not on the dev team, but that's my understanding of it.
Awesome unbiased video about the VX, Spencer. This was very helpful for myself who has the VX. My biggest takeaways were the “lack of flexibility and how majority of people would prefer the boost over the 2x multiplier.”
That exact reasoning is why I still use my CFU as my catch-all instead. With the CSP boost I’m technically getting 1.875x from the portal and a fixed value of 2x Southwest miles (1.4 fixed rate). You might as well call it a 2x card based on redemptions lol. All in all if im in an emergency situation, I don’t feel confident in C1s redemptions due to their lack of flexibility
Thank you so much man! I think those two takeaways you mentioned are good ones to note. I can definitely see why you'd use the CFU as your catch-all still, and I frequently do too. Thanks for sharing your thoughts!
@@SpencerJohnsonOfficial yeah those SW and Hyatt redemptions are clutch and worth the 50% hit in earnings. That’s why you’re one of my fav credit card TH-camrs… from the standpoint of relating to the “common person” in the space. Your setup closely resembles mines, which helps me a ton.
I would add another VX con… is that there is no recon-line so you’re pretty much screwed if you’re denied lol and there’s not much of a human element to assist you. Overall, as dope as the duo is from an earnings standpoint… I would always see the setup as “secondary” to Amex and Chase, but of course YMMV… that’s the beauty of the game 😉
Definitely the best travel card for the average person in my opinion. I travel 2-3x per year so I use the credits they offer easily. I don’t really care too much for lounges mainly because I get to the airport right on time before my flight. So I never really have 2-3hours to kill which if I did would make sense having lounge access. Since this card is a VISA credit card I put absolutely all my expenses on it. I’ve had the card for 5 months and I’m close to 185k in miles already. I did have a 25k referral and the 75k bonus that helped a lot. I hate juggling several cards and accounts so I only have this card and honestly I don’t see any other reason for me to switch to another card or have another card. Best card for me for travel and for a “catch all” card.
Thank you so much for sharing your experience! I think you are the exact right person to have this card from the sounds of it. It's objectively a great card, but for some it doesn't necessarily provide enough to make it worth it. As a one card setup though, it can work pretty well as you noted!
The Venture X is definitely a great option to be able to utilize as a Keeper Card if you utilize the Travel Credit & Bonus Miles each year. Definitely a good starter premium travel Card as well with the lower $395 Fee. With that said, Capital One is definitely not my favorite issuer, and we've had some trouble with Capital One Customer Service and them not giving us the signup bonus when we got the Savor One in our 2 Player Setup. Great video Spencer!
I do love the Venture X for now, but I can see it getting worse as time goes on. But I'd definitely take advantage of it now while we can!! That sucks y'all have had bad customer service experiences with Cap1... unfortunately that seems to be the norm. Thanks for watching man!
You have to be careful with them. The first time I prequalified for the SavorOne, it was the no Sign up bonus one, I tried an hour later and was pre qualified for the One with the Sub hahaha. But Capital One hates me so I didn't expect anything different
Love this card. Held it since July 2023. Probably one of few positives I can say about C1. I plan on applying for Savor One in January and then I am done with C1. Customer service leaves a lot to be desired and credit limit increases are not easy to get.
Nice Marcus!! I agree that this card (and the Savor One) are Cap1s only saving graces.
Love the perspective of venture x sitting on its own between the csr and csp. It's a card I can rationalize the fee easily when I don't need the high perks during slow travel years
I'm glad you liked that! I just think we often mistake this card for being a top dog luxury travel credit card when it really slots in between the middle and high tier cards. Thank you for sharing your thoughts!
I think this card is great for two types of people.
1) You're a free agent and don't care about status or what hotel you stay at
2) You don't mind using portals.
I think if you fit into these categories there is a lot of value to be had from his card
Definitely agree with your cons though. I would pay a higher annual fee to get a boost when using the portal, or to have domestic airlines, or better hotel options
I completely agree with you! That's a good analysis. Thanks for the comment man!
Great advice! I obtained this card several months ago, and so far the rewards have paid off.
Thank you Mark! I'm really glad you've enjoyed it! I think it's a great pickup in its current state for sure.
just applied last night, will have it on the mail in 2 days, this is a good alternative if you travel and take advantage of all the benefits like me, i used to have the Amex Platinum but had to cancel since they jacked up the annual fee to $700. i'm excited to have it delivered soon
A great card to have that will help to improve your credit profile. I do wish they had travel partners for flights, but we like the zero foreign transaction fees.
I'm highly considering the Venture X and I agree that it can't really be compared to the AMEX Platinum or Sapphire Reserve. They seem to be in the same category, but the annual fees and benefits are just a little too different
As I mentioned at the end, I think it's an awesome card as it stands right now, but I wouldn't be surprised if they nerf it in years to come. For now though, we can get a lot of value out of it!
You did a great job of laying out the pros and cons. The VX has given me great value thus far and I think it's a keeper for now. I have no problem with booking flights through the Cap1portal and I have already booked a hotel that I didn't have status with through them and it was great. We shall see what the future holds...
I appreciate you man! I've had the same experience with the card so far. It's great for now, but let's hope it stays that way!
@@SpencerJohnsonOfficial recently the venture x devalued itself, yet again. This time, by changing the $300 annual travel credit for the worst
AMEX Platinum and Sapphire Reserve >Venture X…. Great detailed breakdown of the pros and cons Spence!
Great card! It’s definitely going to be on my next choices.
Thank you big daddy Spenny😫
So you have to pay your monthly cellphone bill with this card to get the cellphone protection?
Great overview of the card! I love mine and have noticed that C1 has a different customer service department for the Venture X card. When they answer these calls specifically, they are called "personal client managers" or something like that. They all seem very knowledgeable and customer service oriented. Definitely a drastic difference when I call C1 for my Savor one. Until more perks of the card get nerfed, I think it is the best premium card on the market today. Also, for those wanting to apply, make sure to use the C1 Venture X preapproval tool (not just the regular C1 tool). Another great video!
Thank you so much Steve! That's very interesting to hear that their CS reps are seemingly better for the VX than other cards. That makes sense in a way! I definitely think this card is a powerhouse for now, but hopefully it stays that way! Good note about that VX specific preapproval tool. I'm glad that link is out there now!
I got max rewards through your code! Im just having trouble connecting some cards like the x1 the features seems interesting though
Spot on with your assessment. As of now its still my #1 used card... but as I build out my CC portfolio it will probably get used less and less.
I appreciate that David! I'm glad you agree. I do love this card right now, but I don't think it'll be one I love forever. Sounds like the same is true for you!
Valuable information! I just got approved for Venture X 2 days ago. I like that it is simple. It might not have a lot now in terms of partners & lounges, but for a new travel premium card its great! I live in Dallas, so I got the advantage of being able to use the lounge there for my future travels. Hopefully in the future CO will make positive upgrades. Especially in the earning points category & boosts. Appreciate your channel! Keep it up! 👍🏼
What limit did they give you I may apply for it but was curious on the limit they give you
@@Z3LDASROAccording to data points , lowest on this card is 10k
Lol con cause it is a Capital One card! I definitely feel you on that one. Almost feels like to me Wells Fargo is moving in a much better direction. At least for credit cards compared to Capital One. Awesome video!
Hahaha I said it how it is! I'm excited to see if WF introduces travel partners at some point. I think they're becoming more and more competitive as time goes on, but they sure take their time to get there.
I think it’s not that they prefer risky customers (really, that doesn’t make any sense because if those people don’t pay, they will lose money) but they are very picky with hard inquiry counts. I got approved on 750ish score and
I'm not sure if this card is for me. However, you did a great job on TH-cam ❤
Question, I closed my Capital One Venture One back in March of 2023 frustrated with the multipliers not knowing I could potentially product change into the Venture X.
I contacted reconsider to request it reopen. What do you think my chances are ?
Valid points you bring up. We haven't had an issue with the portal and it's worked well so far for a non-category catch all. I do wonder if they'll eventually nerf it though. If that's the case I'll just cancel. There's nothing so great about the card that makes it stand out above the AMEX Platinum IMO. Thanks for the info + video!
I appreciate you Jimmy! I've had a similar experience with this card so far. We might as well get as much value from it now as we can though!
Great Vid man. Would love to see this format for the CSR. Not sure if you have it but you did such a good job doing A/B comps that I think it would be of tremendous value.
I would love to do the same as well! I don't have the card yet so I won't fully be able to talk from an experiential standpoint, but maybe I need to upgrade it soon to get that experience... we'll see! I really appreciate the kind words though, that means a lot!
Does balance transfer apply to your welcome bonus spend requirement for the venture X?
Can’t wait to watch this video. I love this card. But it went live at 1 p.m. on a Sunday.
There's no better halftime show than one of my vids Ritchie 🤣
@@SpencerJohnsonOfficial 🤣
Great video and summary of the Venture X. One question though, you said the cashback rate is half a cent. Can't points be redeemed at a rate of $.01 per point for travel booked via the portal and against previous travel purchases? Am I mistaken in thinking of the Venture X having what should be a minimum earn rate of $.02 per dollar (unless cashing out for non-travel or transferring to a partner and redeeming miles/ points for a poor value)?
Thank you so much! And yes you're correct that you'd get 1 cpp in the travel portal, however, I don't consider that to be cash back. By cash back, I mean cashing the points into your bank account or as a statement credit and doing that with your Cap1 miles will only give you 0.5 cpp, so don't do that haha.
Do you know if they still have the 90k bonus with referrals?
I have targeted referral link for 90k bonus. If you need let me know I can send you the link by email.
I would really love this card, do you think I need to wait to have at least 2 years with credit history to apply?
There's no exact number that you need to wait till to get approved for this card! As I mentioned in the video, if you watch my watch me apply, you can walk through the preapproval process and see what your odds are of being approved. They even added a VX preapproval link lately that you can find online to get a better idea of your chances.
I love this card. It’s a great catch-all card, I just pull it out and use it. Great insurances, benefits, and earner.
It's definitely one I enjoy using a lot! I hope they don't eventually nerf this one to the ground because right now I really enjoy using it!
@@SpencerJohnsonOfficial I just wish that C1 would let me product change one of my QS cards to a SavorOne. The Vx and S1 pair so well together. I have 3 personal CapitalOne Cards and two of their business cards.
$395 for a catch-all card doesn’t seem worthwhile.
@@Polostar79the effective rate is better than the Vanilla Venture card. Nice sub, good travel card, and great effective rate.
@@Polostar79 If you don't travel on a yearly basis or are unwilling to book through the portal, it is not worthwhile. However, with the $300 portal credit and 10k in miles, Capital One is basically paying you $5 to use the card as long as you use both items. Priority Pass is a wonderful benefit, and the 2x on non-bonused purchases is roughly 3.5x cash back with the transfer partners. I just applied for the card, and am looking forward to getting it in the mail!
The one thing that makes Capital One stand out above the other lenders are the "erase charges with points " options. You wouldn't have to use the portal for travel spending, you could still use your points to cover that charge after the fact. Granted, for Chase you could do rat for any purchase as "cash back," but it is nice to know you could do that.
It would be nice to have a C1 Lounge in Atlanta.
Good stuff! Just when I think “no I’m not watching any more VX reviews” i learn about its loss coverage for phones! TIL…
Haha I'm glad this video was helpful to you!
I have the Amex Plat, CSR and the Venture X. The Venture X is the Gen Z version of a "premium" travel card and leaves a lot to be desired.
That's awesome you have experience with all of them! I think your last sentence is exactly why I mentioned later in the video that you really can't compare these cards apples to apples. The VX is really in a category of it's own, so it'll always leave something to be desired when you compare it to the Platinum and CSR.
Question, if you're checking comments. Could you not transfer points from venture x to another capital one card, such as savor or quicksilver, and get a better cash back? I would not do this, but I was just wondering.
Great question! Unfortunately no you can't. You can only transfer from those cashback cards to the Venture cards, but once you do that, you can't transfer them back. Definitely something to be careful with!
@@SpencerJohnsonOfficial Good to know. Thanks. I have the savor and tried to get X but they declined me. My credit score was too high. What a bunch of idiots but I can’t say I blame them. I’m now looking at the Chase cards.
Tbh I really regret getting this card. Saw it was cheaper than the plat or CSR, but I really get little benefit out of it. The transfer partners (and thus the point value) suck for domestic travel, priority pass sucks, and I don’t rly use the AUs. Of course the AF is lower but I wish I would have gotten either a CSR for PP restaurants or plat for actually usable lounges (centurion) and HUGE sub
I'm sorry to hear that! The good thing about this situation is that you can always downgrade the card to a lower tier card and apply for the CSR or Platinum instead. The bonus still gave you plenty of positive value, so you're in the green still!
@@SpencerJohnsonOfficial Yep I was thinking of doing that before my second year AF hits but feelsbad using a 5/24 slot for it :') especially since VX has 90k SUB rn
i honestly prefer that the travel credit is just a redeemable credit in the portal now as the last time i used it it took over 2 months for capital one to post the credit to my account. now i don't have to wait for it. yeah you may be missing out on 5-10x on that spend but is 30 bucks really worth waiting 2+ months for a credit to post?
That's very interesting! In my experience, that statement credit posted within a couple of days after the charge posted. I wonder why yours took so long!
Great breakdown of the card and why one may or may not want it! I agree it's the best beginner luxury travel card given the annual credit and lower AF compared to the other big two travel cards! Speaking of travel, the revamp of the Business Gold Card was very welcomed! I just unboxed the Business Rose Gold and uploaded a Shorts video, what do you think?
Love your content!
- Ivan
Thank you Ivan! It's definitely a solid card right now. If that stands to be true for the foreseeable future we'll see. That was a great Short btw! Super clean for sure.
Great video sir, I have had the VX card for just over a year. For me customer service is OK so far. Trying to work on a retention probably won’t get it, do have a question is there a downgrade from the VX card? Keep that content coming
The downgrade from the Venture X is the Venture or Venture One
Thank you! My experience with Cap1 travel may have been a one-off, but I had a good experience with them so far. That may just be the travel side of things though. As mentioned above, I believe the only real downgrade path from the VX is the Venture or Venture One cards. Thank you for watching!
Very helpful. Thank you.
I would argue it's Hotels are better than any other. Wyndham has more hotels than Marriott and Accor has one of the largest footprints worldwide. Granted they don't have a premium hotel, but I can live with that.
My main problem is that no domestic airline. That really hurts cause I don't want to use alliances.b
Ty for the info on the card, hope I can get it
No problem! I hope you can too!
@@SpencerJohnsonOfficial me too
November '23 will mark 2 years of using this card as my main spender. Your video is spot on with the pros and cons. I feel the X is a card that got overhyped in the credit card space to the point of getting annoying. I'm also glad you brought up Capital One's very picky selection of applicants for this card, something that often does not get brought up in other reviews of the X. I also think it's very likely the 10,000 miles annual credit will be restricted soon. Maybe you will have to spend $15,000 on the card in the past cardmember year to get the credit or something like that. I personally still use it as a main spender but if it gets restricted too much more then I'll probably go to the CSR instead.
That's awesome to hear you've resonated with this video after holding this card for 2 years. Your comment really echoed my thoughts on the card exactly!! We'll see what happens with this card over time, but I hope people have the right expectations of it before listening to all the hype out there these days.
Nice review of the Venture X Spencer! I'll admit, the only thing really keeping me away from this card is Capital One's questionable approval system. Maybe if I lived next to a C1 lounge, and I flew a lot through that airport, it may be worth the 3 hard pulls, but as it stands right now, it's not a card that's in my foreseeable future. Definitely a great started luxury travel credit card like you said 👍!
Thank you Stan! I completely resonate with that reason you haven't applied. Since I was fairly certain I'd get approved and wanted that starter premium travel card, it made sense for me, but I wouldn't say it makes sense for everyone. I appreciate you watching man!
Capital One Lounges are one of my favorite perks with the Venture X, its a great catch all card at 2x. Effective annual fee makes it a no brainer. The only thing I didn’t like is that it was travel portal dependent to earn the higher earnings rates. I downgraded my venture x when i got my amex platinum since there is a lot of overlap between both cards. I think when i get tired of the amex platinum annual fee ill go back to the venture x
Thank you for sharing your thoughts and experience Luis! I think your comment here resonates with a lot of folks. If I was to get the Platinum, I could see myself doing the same, but that travel credit is easy enough for me to use so maybe I'd hold both... we'll see!
Did you go to venture or V1? The venture is a tough sell as a keeper with no credits and the 1.25X in the V1 is kinda disappointing
@WhatsThePoints1 Venture 1... I don't really use it anymore, it's more of a placeholder for now since I'm focused on my Amex. I only use it when Amex isn't accepted
How about if they toss in x3 at drug stores. :)
I have the C1 Venture X and one area some folks may not know is how bad is the C1 dispute a charge process is. Is a complete joke!!! I am so disappointed that I cut back significantly on spending to my Venture X Card. I don’t want to cancel it because of the Capital One Lounge in my home airport (IAD)!! I’ll make sure I get drunk at their bar for free every time I fly from IAD. I put the card in my underwear drawer. 😅
Thanks. Got it already.
i liked your point at the end about the venture x not really having a fair point of comparison when it comes to other premium travel cards. for me the venture x slots more into that teir 3.5 that ben hedges coined. its more of a toe in the water when it comes to premium travel cards than a full jump like the CSR or platinum and it probably has a more fair comparison with something like the amex gold or green than cards with higher annual fees than the venture x. its just in a weird middle ground where it may be a great value for some people while still punching too low for others.
I'm glad that point resonated with you! I think trying to compare them apples to apples is a problem that a lot of us have. It really is in a bit of a niche of its own which makes it great for some folks, but not too beneficial for others.
Got the VX in June 2023 and the SUB plus travel credits definitely helped me to book some upcoming trips so as of now, this card has been great for me. If it starts to get nerfed in the future I’ll have to reconsider it, but for now the VX has been nice.
I've had the same experience with it! It's been great for me so far, but I'm not married to it by any means. Thanks for sharing your thoughts!
Do the chase sapphire cards also have good referral bonuses?
I know the CSP has an upper limit of 75k (at least this year) but for the CSR I'm not too sure. I imagine it's the same, but I could be wrong.
@@SpencerJohnsonOfficial thank you! What about on like a per referral situation? Like how much do they give if you refer 1 person? Or does it vary?
This year it's been 15k points per referral on my CSP up to 75k points. I believe it was the same in the past too!@@Crossmainst228
@@SpencerJohnsonOfficial thank you 🙏. Your videos are very helpful I’ve been going back and forth on the Venture X and the Sapphire Preferred, and the Capitol One Portal thing is causing me to really think hard about it
Is there a downgrade path from this card to a no annual fee card?
How much CL did you get? I see other TH-camrs get 28-30k 😳
Just to note. Price matching might be good but that isn't really anything valuable. You can only price match within 24 hours. Which means if they didn't do price match then you can just cancel the flight and book the cheaper one. If we're talking 24 hours you're always free to book a cheaper flight if you find one
Venture X is great. Got it when it launched with the sweetest welcome offer. However, I wish people value venture miles more on the standard 1 cent per point when redeeming via the portal because C1’s transfer partner list SUCKS.
So something interesting I went through recently. I am looking for a bonus to give us some good credits and points toward an upcoming vacation this summer. This vacation will be on the budget end with lots all of my kids and I will be roadtripping. So my priority is number of nights from the lowest cost. Looking at the VX 90k offer and the CSR 60k offer both of which are $900 in value the whole the $300 credit on the C1 is more restrictive the $900 from the bonus is much more flexible as we could use it though a vacation club or other discounted rate stay service. With the CSR bonus I would have to push it to cash back and then pay for it that way. At which point it would only be worth $600.
That's definitely an interesting situation. I'd say if you're gonna use the Chase travel portal, the CSR is the better choice right now. But if you can even just book one hotel on the VX, you could use that credit right away and get positive value from that too. It's kinda up to where you're staying I guess.
Let’s not discount the 3x mobile wallet for catchall on the Altitude Reserve. Just wish it had more credits. It has arguably the highest effective AF for its class
That's a great point! I guess I feel like that card also stands in a bit of a category of it's own considering they don't have transfer partners, but I talked a lot more about that card a couple videos ago and gave it some love.
Didn’t know about that predatory part. I’m having buyer’s remorse.
Heck, even the no annual fee Bilt credit card gives you a 25% boost when using their points in their travel portal
Haha right?! Capital One won't give us anything lol.
90k offer is on a reddit link!!!!!!!!!
Ya it seems like it fits as a mid level travel card.
I wonder how it compares to the BOA premium travel card & Altitude reserve? 🤔
Imma try to get this card by the end of the year. In the meantime will stock up on cash back on my Savor card to transfer to the Venture X.
That's a good move!! Let me know how that application goes!
@SpencerJohnsonOfficial For sure, I just finished my 5k bonus on my Marriott card. I'm gonna try to get the Chase Business unlimited 90k offer now, then the Venture X after that.
That's awesome! Those ink bonuses are amazing for sure. If you aren't using a friends link and wanna support the channel, feel free to use mine and if you can't find it, just DM me on IG! @@deadxpride45
Are some people still able to transfer? Spoke to Cap1 rep the other day, and they said no after reading that people are having issues doing this recently.
@@ShinraIncorporatedI heard the same but was temporarily not entirely sure.
That not getting points on the 300 travel credit booking is actually pretty big! That's 3000 points less since it gives you 10x!
It can be a big deal for sure! I guess they still do give that anniversary bonus worth more than you're missing out on now, but still annoying nonetheless.
I applied for this card last year and was denied. I am one of the people that fall into the "Capital One hates me" bucket. I have a credit score of over 800, pay no interest, and love this hobby. I found it weird that they asked about carrying a balance on the application for the Venture X. I was just approved for the Amex Platinum Card and am done with Capital One.
Dang I'm sorry to hear that. That question on their application is another glaring reason as to why I think they are a predatory lender in a way. No other big lender asks that question, so that speaks volumes to me. Good choice on your Platinum pickup though!
I disagree Spencer. Capital one is not approving your application if you don’t have an excellent credit. Hence the high credit limit. I do believe that they’re being very selective, approving those they think might spend on the card.
I respect that! While that may be part of it, I would say there's more to it than that. They deny people for this card all the time who have an 800+ credit score and would funnel a lot of money through this card in favor of people with less established credit history. That's the opposite of every other premium card so there must be more than meets the eye.
@@SpencerJohnsonOfficialwho knows. I’m only using the card for the lounge In Dallas. I will definitely cancel if they raise the fee.
@@SpencerJohnsonOfficial I just applied for the card, and got approved within 3 days. Credit score of around 800, no debt, and no mortgage/rent. However, I am just starting on my credit card journey, and have only applied for one other card (Chase Freedom Unlimited) in the last 24 months (July 2024). I have heard stories of Capital One rejecting applications for people who have applied for numerous cards in a 24 month period (even with high credit scores), which is why I applied for it early (especially with the 90k SUB)!
Thank You So Much🙏🏽
No problem!! Thank you for watching!
The cash back redemption, their transfer partners and only being able to use the travel credit in their travel portal is why I pass on this card. Really good card though
Those are all fair reasons to not want it! It's a great card, but that doesn't mean it's great for everyone and that's what I was hoping to get across in this one.
Amex completely disappointed me and I am jumping ship to chase, maybe trying out capital one one day.
Unfortunately that seems to be the case for a lot of folks lately... The Venture X could be worth a shot though! 🤷🏼♂️
@SpencerJohnsonOfficial yes sir, I am waiting for one of my inquiry to hit that two year mark and jumping straight to venture x since it got a 2X catch all category.
90k points currently through a referral from a friend. 75k points without the referral.
That's great if that's still going on! To make this video evergreen I didn't mention that offer, but it's definitely a good pickup!
Ok I’m gonna have a trifecta of comments (see what I did there)
Let’s never forget to call out C1’s arbitrary and limited product change rules! And since we can’t PC from a Venture to a Savor card, I STILL can’t figure out if I’m eligible for a Savor 1 since C1 bought out all the REI store cards from US Bank which supposedly puts me at their 2 personal card limit, so either I have to wait for the pre approval to work or risk 3 hard pulls 🙄
I'll take that trifecta all day! 😆 That's a great point too though. Capital One's product change rules are definitely a bit hard to really get a grasp on, even for themselves it seems lol.
It looks like a good card except I can’t use the travel partners so I will have to pass.
That's fair enough!!
I don't understand the portal complaint since they all give much higher points for using their portal and the few times I used it the rates were within a few dollars of Expedia and the hotels own site
I think it all depends on your travel habits. The main complaint I see is that if you have to change your booking you have to go through the lender which can be a headache. That and the fact that you have no status respected when you book through a portal can push some people away from them.
@@SpencerJohnsonOfficial I get the flexibility argument, and I definitely call the hotel to make sure they have a reservation in my name, but most of my trips are for an event so changing means cancelling
Just canceled my sapphire card! I m a venture guy
i have referral link with extra 15k points for 90k point total. If you want to apply VX let me know and I will send you link
Has anyone tried getting a retention offer? I've had it for a year and would like to try, but I'm wondering if anyone else has been successful at getting a retention offer.
Personally I have not, but maybe others can help you out!
The hate at 11:30 isn't necessary. Calling Capital One predatory because they want customers who will actually use their card is dumb. If you have 10+ cards you probably aren't going to use their card enough to justify the benefits they give you. It's not really that hard of a concept.
I just hate the Venture X on one thing capitol one does not have to many credits you can do to offset the annual fee just in case you don't travel that year for some reason, of course if you travel during the year this card is useful but where it's not that useful is when you don't travel, This is why i will be going with American Express Platinum if I ever get out of popup jail, I can still get the platinum it's just it will be without the welcome bonus :(
That's fair! Granted, I'd argue if you're not traveling every year then you shouldn't get any of the premium travel credit cards. If it's a one off issue, then that'll happen with any of the cards, but just be sure to get the one that most fits your lifestyle.
Since they took the option to transfer your rewards between the savor one and venture it’s been nerfed significantly
Source?
I do not believe this to be true, but what article did you read it from? You can't post links in the comments, but if you put the article name I can look it up.
@SpencerJohnsonOfficial I think the article is called "Trust me bro"
@@SpencerJohnsonOfficial there has not been an official article, at least not that I’ve seen. However if you go into your C1 account on both the website and app the option has been removed from your “redeem” tab on your rewards. When I called customer service they also stated they no longer see the option available on their end and unknown if just temporary. There’s also quite a few Reddit post about no longer being able to transfer them between your accounts.
Give it a try and see if still gives you the option
@@dennisvargas7719 I don’t have a news article but simple to verify on your end. Log in to your C1 account on both web browser and app. Go to your rewards and under the redeem tab you’ll no longer see this option available. You used to be able to select your account you wished to transfer between
Wait where do you see unlimited guests to priority pass? I thought it was 2 per user
I showed a screenshot in the video!
there is but it has been stated multiple times that a priority pass lounge has the right to let a certain amount of people in, thus you cant actually bring unlimited guests. but your mileage may very.
Can anyone send me a referral code for the venture x? Trynna give points out there to someone
You won't be able to post links on YT, but there are people in my Discord that have their referral links for the cards and they'd love to have you use them! Just go to the referrals channel to find those links.
@@SpencerJohnsonOfficial thanks! I didn’t know that
When you keep saying "not many of them..." aren't you really trying to say "TWO"?
That’s just hotels…there are many more airline partners
Not great for me, AF too much, extremely limited travel credit, bad multiplier categories and travel multipliers also limited to using their portal. Also no points earned on using the credit.
That's fair!! It's not a card for everyone. However, even if you just use the card once a year for a booking through their travel portal, you'll get positive value from it, so it's pretty easy to use all things considered.
👍🏻
🙏🏼🫡
This card isn’t for boomers who can’t fathom not staying at a Hyatt. Imagine traveling to Europe and only will stay in a Hyatt lol
First….
I know I can't convince you otherwise, but here's your medal 🥈
First
Disqualified… 👀
@@ItsMeCJ🤔 how so
@@AhmadKhwajazadabecause only CJ can be first
@@druiz012 bingo!!
It's too easy for you! 👑
Also it seems Wells Fargo is about to release transfer partners on November 15th for their no annual fee Autograph card so I would love to see a video on that review in the coming months!
That would be big time news for sure!! I'll definitely be covering that if that's the case.
I have targeted referral link for 90k bonus. If you need let me know I can send you the link by email.