Capital One Duo vs Chase Trifecta - Which is REALLY Better?
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- เผยแพร่เมื่อ 19 มิ.ย. 2024
- Can the Capital One Duo/Bifecta DETHRONE the Chase Trifecta? Consisting of the Capital One SavorOne and Venture X (with alternatives), the Capital One Duo has been quickly gaining ground vs. an old favorite, the Chase Trifecta with the Chase Freedom Unlimited, Flex, and Sapphire Preferred. With a simpler 2 card setup, and an ecosystem that’s fast improving, how does the Capital One Duo compare?
In this video, we go over my take on these cards and their ecosystems, how they compare, and how they would fit into anyone’s credit card strategy!
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JUMP TO SECTIONS 📚:
0:00 Capital One Duo dethrones the Chase Trifecta?
0:37 Capital One Duo overview
6:04 Capital One Duo alternative cards
7:26 Chase Trifecta overview
10:09 Chase Trifecta alternative cards
11:32 Comparing Capital One vs. Chase travel portals
14:10 Comparing Capital One vs. Chase travel partners
15:57 Best strategy for Capital One and Chase credit cards
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Do you have either of these setups? What about them brings you the most value?
Both the Capital One Venture X and Chase Sapphire Preferred are top favorites of mine, with over 5 years of experience on the CSP and almost 2 years on the VX.
To hear how they've been so valuable to me, check out:
- Chase Sapphire Preferred experience: th-cam.com/video/KR0eLo1BrmQ/w-d-xo.html
- Capital One Venture X experience: th-cam.com/video/jUlMmlwLYb4/w-d-xo.html
My Favorite Card Picks: kevinyang.info/credit-cards
From my experience in applying for both of these setups (besides the Savor One), I started with the Chase Trifecta as my first 3 cards and added the Venture X as my 9th. The nice thing about Cap1 is that you can check their preapproval tools before applying which makes that process a lot less of a guessing game. Great video Kevin!!!
The pre-approval tool is great (although IIRC they don't show the VX directly?) And my journey is pretty much similar too, starting with Chase and going for the VX later down the line!
Is it true that they don’t show venture x on a pre-approval page even if you might get approved if you apply?
@@KevinYang I was approved for a VX last week, and I was shown VX on the tool! gave me confidence to proceed with my application because my credit age isn't great
@@BiologicalGibbon Congratulations!
The Capital One Duo is such a solid choice for its benefits and reward categories. Their for sure are closing the gap between them and Chase 👀 nice comprehensive review Kevin!
Yours too Chase!
Cap 1 has surpassed Chase, if ur goal is travel. But for cash back (or even specific strategies such as southwest or Hyatt loyalty) Chase beats everyone.
Thanks for breaking this down.
This duo is great - better than Chase Trifecta for me ! Very happy with it.
My SavorOne has been awesome for me, but instead of going straight for the Venture X I’ll probably go into the Chase ecosystem first with the Freedom Unlimited and the Sapphire Preferred. I like the idea of having cards from them both to diversify my points. Awesome video Kevin!
With Chase's 5/24 and other "timers", I do think it's smart to go Chase if you can, especially with a card like the CSP. What's your favorite way of using points so far?
@@KevinYang Yeah that 5/24 status is always lurking lol. So far I have a bunch of cash back rewards saved up and that’s it. I’ve taken a lot of vacations, but before learning about credit cards so I spent so much money. In fact I’ve actually redeemed some cash back rewards to fund activities on trips. That’s why I like the idea of getting cards that offer me travel benefits, not only to make the experience nicer but also to get lots of free value.
Very useful info. Thanks Kevin!
Thanks for watching!
I've had the Chase trifecta for sometime and I just got the VX yesterday. It just blows that I have to wait 6 months to apply for the Savor One.
Yeah.. but hey one more card to complete both setups!
Nice video, thanks for the information!
Thanks for watching!
Hey man how would you handle having the Gold card and branching out into one of these step ups? Im in a tough spot because I really like my Gold card it earns plenty so to replace it with the Savior One would mean locking myself to keeping the Venture X which doesnt seem smart. Which set up pairs better with the Gold?
I have a hybrid approach lol. VX is my airport lounge card, since I travel with a family of four it is clutch and the Chase Trifecta (CFF, CFU, CSP) is basically a means to accrue and transfer points to Hyatt. I live near an American hub and they have ~92% of the flights and have found transferring out to alliance partners to get very specific dates on a tight schedule when traveling with a family is challenging at best so Hyatt is the best fit at the moment for my use case.
The card sounds perfect in giving all your family access to the lounges! Have you tried checking Avios to book AA? There are usually some decent deals there.. but I agree, Hyatt is still the best considering ease of redemptions
@@KevinYang I have tried Avios but with both my wife and I working full time and two young kids in school we have to leave at specific times on specific days which makes the process challenging
Capital Duo is quite strong with better multipliers, less cards and free AUs on their premium travel card. Chase great transfer partners but the cards need a refresh. AMEX is in a different level providing the best travel experience and costumer service when compared to any other card issuer. Great overview and video 👍
> The cards need a refresh
Totally agree here! I'm sure Chase has all these new cards on their radar, so I'm curious to see what they do next.
I got the SavorOne and I’d say - for the following year - the Cap1 Duo is the best, but Chase has a huge differentiator… Hyatt points. So I’m completing the trifecta this year first before getting the VentureX
Yes! Hyatt is definitely Chase's differentiating factor here which tons of people seem to love!
Hyatt is to limited in its offerings to be a player for many of us
Kevin. Some said that chase points are worth more than capital one bc of their flexibility of transferring points & bc C1 doesn't have much options for hotel partner therefore. Does this mean the venture x catch all 2% isn't worth as much as the chase unlimited 1.5%? What do you think?
Potentially! However I've gotten a ton of value through Aeroplan which is a transfer partner for all 3 programs, so in my experience it's been pretty similar! But if you're looking to get value mostly from Hyatt hotels, then yes Chase is much better
Thanks Kevin. Just got the Savor One with 10k credit limit. And I received Venture X in April, and kept checking through the preapproval form when I would be qualified for Savor One, and today it said I was! So it took 3 months for me to prequalify since getting Venture X not 6 as some say. So applied through the approval form and it was a breeze.. Now I will be using Savor one for groceries and dining. I have the chase trifecta, and will keep the Chase Preferred because Preferred has better travel insurance. I used Venture X mostly for lounge access.
That's an amazing split and setup! Any favorite lounges so far?
I travelled a lot in Europe. and London has amazing Plaza Premium lounge and Zurich had a couple of good ones; and also recently on the way to Dubai, I also used the Plaza premium at JFK, and it was wonderful. But the best lounges so far were in Dubai. I went Plaza Premium there and also several other priority pass lounges. The food is unbelievable!
@@KevinYang Also Amsterdam had an amazing lounge as well.
So do capital one points have equal value to chase points when going through the portal? The 0.5 cent per point is only for cash back?
0.5cpp cash back and 1cpp for travel on Capital One side, whereas Chase has 1cpp even for cash back
Capital One is inquiry sensitive. I think you should apply for the Venture X first. Forget the Freedom cards, the sign up bonuses are too low
Yeah the Freedom bonuses are solid but could be much better (like the 5% grocery offers). There's also something to be said about starting the timers earlier though :)
I was able to get a 2 cent per point redemption on a Virgin flight so I'd argue the 10k anniversary miles can be valued at $200 😎
Nice! I tell people all the time that you don't necessarily need to spend $9500 a year in those categories to make the Savor worth it. I easily get 2cpp. I'm right at that cusp of $9500 anyway. Plus with the first year $300 SUB I perfer the Savor for atvleast the first year.
Makes perfect sense! Which redemptions have you done with C1 for 2cpp+?
Turkish to Europe for 45k points and $212. Turkish M+S to Mexico City on United Business class for 15k points and $5.60. Aeroplan for Singapore airlines 60k + $181 Frankfurt-JFK
Actually, Aeroplan was through Chase because it had a 30% transfer bonus at the time. I also did a horrible speculative transfer to Virgin Atlantic when C1 had a transfer bonus... I wanted to fly Delta One to or from Europe but that award space never opened up so I went with Singapore through Aeroplan instead. Hopefully I can find ANA space Sept or Oct 2024 for my trip to Japan... 🫣
I have a question. I can't find the actual answer. I don't know why I have platinum and Quicksilver don't want to get rid of either cuz they're kind of my older cards. Does Capital One limit how many cards you can get from them? So if I try to get both these cards that is mentioned is mentioned or disqualify me
It sounds like in general it's 2 personal cards, but I've also seen data points of people having more!
@@KevinYang oh okay, I kind of sucks. It's really limited especially if you were starting out with Capital One and just upgrading is never really worthy because of the bucketing system
If they are both older at least 1 of them should be eligible for a product change.
@@oaklandtoindy yeah the problem with product changing is one you don't get the sign-on bonus and you're still stuck in the bucket and you still keep the same credit card limit and as you know Capital One is notoriously filthy when giving limit increases
I travel to Pakistan to see my relatives every every other year. Also, I like to choose my own hotels therefore, as much as I like the chase trifecta. I think I may just prefer the capital one probably because their Travel portal like you said it’s a bit better.
Have you also been seeing much better prices on the Capital One portal vs Chase?
I suspect we’re gonna see chase getting better due to increased competition. Especially around welcome bonuses
I really hope so! With rumored Citi Strata cards, I wonder if that's the last straw
Chase makes circles around capital one on customer service, you can't compare 🤷♂️
I just noticed I'm not subscribed! Fixed it! 😂
Thanks for the support!
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Noted! Thanks for the suggestions Terrel!
Are you from Canada?
Yes! What gave it away 😂
😙
Capital one hasn't approved me for the venture cards lok
Any indication as to why that is?
@@KevinYang Honestly, I do not know lol. No negatives on my reports. lol
@@607_jacobus9 Wow that luck... have you checked pre-approval page?
@@KevinYang yup. It says random stuff that I have inquiries recently the lasts inquiry I had was 8 months ago for a car loan lol