Amex Platinum vs Chase Sapphire Reserve vs Capital One Venture X: Which One Is Better?!

Рет қаралды 43,747

Күн бұрын

Пікірлер: 149

@AskSebby Ай бұрын

💳 Sebby's Card Picks: www.asksebby.com/credit-cards 💳 Find potential increased Amex offers via CardMatch: www.asksebby.com/guides/cardmatch

@SleepyRod Ай бұрын

Venture X hands down. No jumping through hoops to get your value back. Lounge access. Visa infinite protections. Decent multipliers. Not the best but great transfer partners.

@zyzzuschrist3410 Ай бұрын

The portal is jumping through hoops

@nomad_333_ Ай бұрын

@@zyzzuschrist3410 Price match guarantee on the travel portal saved me $160 on my international flight ticket.

@ProfessorWambsgans Ай бұрын

One hoop, maybe. Price drop protection is real, too. I haven't had any trouble with it.

@ProfessorWambsgans Ай бұрын

Most important factor for me is free AU. Makes it hard to beat for families.

@SleepyRod Ай бұрын

@@zyzzuschrist3410 haven’t had any problems using their portal. Usually use the portal for booking direct flights through out the year. Wouldn’t book hotels or flights with layovers thru any bank’s portal.

@raphealtaylor4908 Ай бұрын

🤠 CSR for me. Fav features are 3x on travel, dining, and you can get 3x on online groceries. $300 annual travel credit that can be spent outside of their portal is my favorite benefit. sapphire lounge at LGA is one of the best airport lounges

@BlankestKnight 29 күн бұрын

I thought it was CSP that gives you 3x on groceries?

@gibranespinoza6603 Ай бұрын

🤠Issue for me with the Platinum is the Centurion Lounges are always crowded and Escape lounges are now Priority Pass lounges. I like flying internationally in business class on points which always includes lounge access so kind of defeats the purpose there. Plus domestically I fly Southwest to DC and Vegas. Venture X is just cheaper and simpler without all the hoops and hurdles. If you want hotel status, just get a hotel card like the Aspire or Brilliant which pay for themselves.

@jasonspain3554 Ай бұрын

For my use, the Venture X is perfect. We're a family of four with my two boys just starting college. So the free authorized users along with their own Priority Pass is great. I typically travel domestically 2 times a year and internationally maybe once a year or once every two years. My home airport is Chicago and there are no Centurion or Sapphire Lounges. Once my kids are out of college I may travel more often and at that time pick up the Sapphire or Platinum. But for now the Venture X is perfect!

@luisserrano863 Ай бұрын

I currently have all 3, but since they have some overlap with priority pass and I want to cut down on annual fees, I told myself to only pick one. I decided to get rid of Venture X and Chase Sapphire Reserve and keep the Charles Schwab Platinum since it delivers the most value even though it has the highest annual fee of all 3 cards.

@LCRAVIAT1ON 11 күн бұрын

This is all I needed to pick the right card thank you for this comment🙏

@marinrodriguez7729 Ай бұрын

🤠 Im solidly on team Venture X. Lower annual fee but plenty of benefits to offset. Lounge access, cell phone protection and travel credit. Whats not to like?

@imgonzalez Ай бұрын

Used your website to apply for the sapphire preferred and got approved, 4 years and 2 months have passed so time to get the bonus again

@AskSebby Ай бұрын

Thank you! Appreciate the support :)

@ReplayMastersTekken Ай бұрын

how do you get the bonus again? what is the process?

@imgonzalez Ай бұрын

@ every 4 years

@ReplayMastersTekken Ай бұрын

@@imgonzalez Do i cancel the card or downgrade it? How do i downgrade it?

@imgonzalez Ай бұрын

@ downgrade it, just call chase

@MrPhCore Ай бұрын

🤠 I honestly think Chase has to come up with something fresh, and with great values. Because I completely don’t understand why each trifecta card has Chase Travel portal access, why all of them has 3x dining and why you need 3x on 2 cards for pharmacies? I would love to see Chase adding groceries as a separate category, as well as gas / ev. Not sure if with new rumored cards we will have some worthwhile changes (we - normal people, not Chase Private customers ;) For me it’s Venture X for now at least. It was such a no brainer (with getting maximum value out)

@ChandlerHarrodvideos 25 күн бұрын

Enjoyed the video. I hold the CSR & AMEX Platinum and track the math very closely on both to make sure I'm getting "value that I value" for the fees. One item I would emphasize more with AMEX (maybe b/c we live out in the BURBs in VA) is Walmart +. Getting that fee reimbursed provides us significant value. We get groceries delivered to the house and a nice discount on gas at their gas station. It also includes Paramount +. It effectively becomes an nice alternative to Amazon for MANY items b/c you get the free delivery but do not have to pay the membership fee. My two cents. Keep the great content coming.

@bucklaughlin906 Ай бұрын

Venture X is particularly good for lounge access for those who fly airports with Cap One lounges. 2x on everyday spend also a plus.

@squawk012h Ай бұрын

🤠 I only have the CSR. I don’t travel a lot, but do like the travel insurance this card offers. Also no foreign transaction fees, and I believe they will increase the amount of lounges in the future.

@grownsimba8120 Ай бұрын

They're opening lounges in Phoenix and San Diego within the next 2 months and have 3 more announced after that. They're really building them up.

@pluto3d638 Ай бұрын

🤠I luv the FH&R Platinum benefit and the Capital One lounge in DFW and the $300 travel credit from Chase

@gordonallen9095 Ай бұрын

AMEX platinum has been a great travel card for me personally. Plus, I use a lot of the free perks like streaming fees, and others. Also, I fly Delta a lot, so I know I can use a Delta Sky Club if there is no Centurion Lounge. If I can't access either one, the Priority Pass comes in handy. 🤠

@mcr754 Ай бұрын

great one sebby!!!! i have all three, plus the supporting cast of cards for each. i really value lounge access, and a lot of business spend, so it works well having all..

@drchunger Ай бұрын

I have all three. my take is that ventureX + chase ecosystem - CSR, Freedom, Ink is pretty good. ventureX with 2X on everyday purchases is pretty good. 300 hotel and 10k points on the ventureX make it an easy sell. the only addition that I've become a fan of is Bilt to get points for rent

@Picard47Lock Ай бұрын

Amex Platinum FHR benefit is well worth the AF for me for both personal and biz cards. Had great experiences at a few Peninsula Hotel this past month where the perks are recognized and honored🤠

@thedman05 Ай бұрын

Loving the platinum so far. The hotel status perks combined with all the credits make its value prop have a very high ceiling. People who complain about the credits complexity want easy fixes, which is fine… but the ceiling of the platinum is the highest by far and it’s not even close. However, I may try to just use the venture X one day and combine it with hotel keeper cards that grant status. Seems you can achieve something similar that way with less annual fees. I definitely think there isn’t a one size fits all solution

@mattleathen445 Ай бұрын

I’m sympathetic to the complaint against the Amex coupon books. I get great value from the Platinum, but I’m not super excited to add more Amex cards with similarly complex credits. A second one might be manageable, but 3 would be too much work and ‘forced’ spend.

@thedman05 Ай бұрын

@ I can see that. I only have the platinum and gold, but admit that having a whole bunch of other cards that have a bunch of things to track sounds tedious and eventually the juice isn’t worth the squeeze. I think it’s definitely one of the things you can only do so much of before it wears on you

@Bangpaulxu Ай бұрын

Another banger video! Learned so much from you over the past few years.❤❤❤

@AskSebby Ай бұрын

Thanks! :)

@shawn.credit Ай бұрын

Amex Platinum the ultimate premium travel card!

@kimgrod Ай бұрын

🤠1. CSR - easy to earn pints & so many protections. Amex - Uber comes in handy. 2. Don’t have Cap1. 3. CSR.

@JuanCorona-q2r Ай бұрын

🤠 I loved this video!! I currently have the Amex gold and the Amex delta platinum (I got it two years ago and used the lounged three times before they changed the rules 😢) I’m thinking of getting the sapphire preferred at the moment and probably upgrade to the sapphire reserve once I get my career going and I am able to travel more. Do you think this is a good plan? Or should I wait and get the amex platinum? I see both card working in my favor for the future.

@rebeltheharem7028 Ай бұрын

IMO, you can get either Chase or Amex Platinum, and then combine one of the two with the Venture X. Why? Because the $300 travel credit (with the introductory offer), and $100 annual travel bonus more than make up for the annual fee, every year. So even if you use it just for that one hotel to book on their travel portal, it more than makes up for the cost (you were going to book it anyways, so why not?), even if it is 5% more expensive (though I have generally found it to be only 1~2 percent more expensive). Its also a pretty decent catch all with the 2% for "all other purchases". If you have a lot of time on your hands, you can probably get value out of having all 3 of them, just based on the credits alone.

@dmiller3562 Ай бұрын

I just purchased a Canadian Goose jacket and received 15x points by signing up for the AMEX offer with the platinum card. Earlier this year I received 5x points on an Omega watch purchase. Can really add points on the offers if you pay attention

@AskSebby Ай бұрын

Nice!!

@melnagai Ай бұрын

🤠 I have the Chase Sapphire reserve primarily for the Sapphire lounge in Boston. I am considering getting the capital one venture to get lounge access in Denver where I often connect. I am hoping for an elevated offer as I am not in a hurry, but I’m keeping my eyes open. Lounge access in LAX is pretty darn sad. I’m only working with Priority Pass through my CSR right now and it does not look good. Oh well

@emmo119 Ай бұрын

do you think it's worth holding the platinum and the csr?

@AskSebby Ай бұрын

Only if you can get a positive ROI from each card.

@90293Mike Ай бұрын

I’ve had the Platinum Card since around 1995 and I get my money’s worth every year. Airline credit, 100%. Uber credit, 100%. Entertainment credit, about 80%. (Peacock and WSJ). CLEAR credit, about $150. Saks credit, maybe 50%. Last year we used the hotel travel credit at the Kerry Hotel in HK and loved it, it’s in Whampoa on the harbor, every morning (or evening) we rode the Hung Hom ferry to or from Central for HK $10. Plus use Centrurion Lounges at least 6x a year and maybe a couple Priority Pass too. So easy win. 🤠

@naveenthemachine Ай бұрын

I’d pick the venture X

@ankitj762 Ай бұрын

Chase sapphire lounge opening up in San Diego and Phoenix too.

@AskSebby Ай бұрын

Excited for it!

@soapa4279 Ай бұрын

Is it me or did Sebby not mention the Chase Sapphire lounges at all in this video? Plus the recent addition of the Air Canada Maple Lounges, it is much better than Capital One.

@davidbosshart4448 Ай бұрын

@@AskSebby12/6 for San Diego 😊

@ankitj762 Ай бұрын

@@AskSebby Yeah! I've got a trip next month out of terminal 2. Looking forward to it.

@paulstein916 Ай бұрын

🤠 Amex plat and CSR. I don’t have VX. Strength of Platty are the lounges and FHR. CSR is very flexible and points are easy to use and pairs well with Freedom cards to earn UR points.

@dianajankovic6830 Ай бұрын

Hi Sebby, I noticed in one of your vids u used a ph mount (suction?) or clip. Can u share the brand? I could really use one…especially for the airplane window! Thnx in advance😊

@matthewstraughn3539 Ай бұрын

🤠 There is so much info as a credit card newbie... This will take some time to digest... I think I'll stick with cash back on groceries. 1) My favorite feature is a multiplier when it comes to dinnig 2) I don't have any of these cards 3) I think the chase sapphire would win out as a general purpose card since I don't see myself traveling often.

@nomad_333_ Ай бұрын

Venture X was an easy choice for me. x2 on EVERYTHING, $300 travel credit, 10K anniversary bonus, Hertz President's circle, amazing lounge perks including free guest/authorized users, price match guarantee, and a $120 credit for Global Entry. I could use all of these perks, whereas for Amex Platinum or CSR, I would have to go out of my way to reap benefits - at that point those aren't real benefits. I have a CSP and WoH to go with my Venture X. Cancelled by Venture, Amex Gold. 🤠

@lemontea000 Ай бұрын

Chase has by far the best $300 credit in the market right now. There's no hoops or leaps on that. They even have lounges on both Sapphire (5 compared to C1's 3 atm) and PP lounges just like Capital One. Lyft membership is also an incredible deal happening right now. The card also offers the best Travel protections and offers great travel partners.

@jshawsworld Ай бұрын

If picking one, probably venturex + savorone setup, for traveling internationally. Chase’s complementing cards (freedoms) have foreign txn fee, and amex is just not as widely accepted as Mastercard/Visa outside the US. 🤠

@Aylees Ай бұрын

I’ve been waiting for this comparison for forever!

@AskSebby Ай бұрын

Finally got around to it! 😅

@kevinliu8668 Ай бұрын

🤠 I have VX, only got it this year so still trying out. The other card is CSP, I can't afford another high AF card.

@geraldteoh6132 Ай бұрын

if most of my travels (biz/first class flights mostly. Not so much on hotel redemptions) are from Boston to Asia/Europe and not so much within the U.S. or North America, would you say C1VX is the better of the 3?

@Polo1928-v2e Ай бұрын

I already have the Amex platinum but I saw 150k the other day with out using card match. Using a VPN will work sometimes too. 🤠

@jacobs2243 Ай бұрын

🤠 Have you compared the trip protection benefits? Looking at the Venture X guide to benefits, the trip cancellation coverage only mentions “common carriers” and defines them as transportation, but does not have wording for lodging. Their document seems to exclude hotels unlike other providers’ guides to benefits. Not covering hotels under trip cancellation protection is a huge red flag.

@justwhenithought Ай бұрын

One category that you didn't mention in this video is Transfer Partners. This feature should be compared, at least at an overall high level.

@B1SQ1T Ай бұрын

🤠 I currently have the CSR and I’m debating getting the V1X business since I have a pretty big expense coming up But for some reason I don’t think C1 has a specific card pre approval tool? When I try to find pre approval it only shows me a spark card instead of having an option to see if I can get pre approved for the v1x

@danielchuchu2020 Ай бұрын

Loved the comparisons 🤠 Question: If I already have the VentureX and Amex Gold. Which one of the two other cards should I get? (And I have no other chase cards rn). My options are: Chase Sapphire Preferred/Reserve, Amex Platinum, or a hotel card?

@docsays Ай бұрын

For me the AmEx Business Platinum is working out great! I cant trust Cap1 to be my primary travel card The CSR is cool, but i feel the CSP is a much better deal for only $95 or $45 EAF.

@FlyWithRookie Ай бұрын

Platinum for me. But again the math works for me most of the time, not all of the time.

@cmelradiovl1162 Ай бұрын

I think the way people value credit is wrong. If you have to spend money to get the credit then it's value is 0. It does not count towards the effective annual fee.

@Chris-eu2ls Ай бұрын

You’re going to spend regardless. So why not spend with a credit card and earn back.

@cmelradiovl1162 Ай бұрын

@Chris-eu2ls but you're still down the annual fee so in the negative and didn't offset the fee itself. If anything you were convinced to spend more money. Yes you get it returned but it should he counted separately instead of as an annual fee offset

@cmelradiovl1162 Ай бұрын

With that all said, VentureX is pretty OP. I'd have go go with that one with Chase a close 2nd

@lemontea000 Ай бұрын

@@cmelradiovl1162 You're not wrong. If anything VentureX $300 is a lot more limiting than Chase's $300 travel credit. Personally, I value UR points more than C1.

@kamkarter8821 Ай бұрын

You are absolutely correct.

@Secylicious Ай бұрын

🤠 - have the Venture X. 4 AUs with PP Access, effective -$5 AF, VISA Infinite, 2X Spending. Still have the CSP just for that sweet Hyatt value though 😩

@richardgray1601 Ай бұрын

🤠One of the first CSR cardholders and just downgraded to the Freedom unlimited after the PP restaurant benefit went away. Big loss here in PDX! Now using solely the Amex platinum. I’ve always been able to claw back the annual fee, sometimes quite a bit more! Phone insurance saved me more than the annual fee this year!

@BobBacheler Ай бұрын

I have all three, and each fits its niche 🤠 (My favorite emoji)

@llngoc Ай бұрын

The Edition hotels on Chase portal only get 3x points so I usually book FHR to get 5x

@utuberwatchin Ай бұрын

Great cards. Big annual fees. Ballin like a 🤠

@VivekKaushal27 Ай бұрын

🤠 Would love to see some point trasfer guides in future for more countries like say US to India on Qatar.

@kamkarter8821 Ай бұрын

Seb I don’t have any of these cards. I do 4 trips a year max. I want the Amex but scared of the hard pull on my credit which I haven’t had in years.🤠

@grownsimba8120 Ай бұрын

Why are you afraid of a hard inquiry on your credit when you haven't had one in years?

@kamkarter8821 Ай бұрын

@ I want to buy a house next year

@christopherpinder6379 Ай бұрын

🤠 debating the Amex Platinum or the CSR. I have the Amex Gold, Amex Skymiles Platinum, Bilt, and JetBlue Card. I have two cards that I recently opened, I think I’m leaning towards the CSR and pairing it with the Freedom Unlimited because of the 5/24 rule.

@AskSebby Ай бұрын

I usually suggest considering Chase cards first due to 5/24 and the ability to qualify for the intro bonus again in a few years.

@christopherpinder6379 Ай бұрын

@ thanks for your feedback Sebby! I appreciate the informative and high quality content you publish. My girlfriend calls you the hands guy. Every time she sees me watching a video of yours “Oh, it’s the hands guy”. 👐☺️ Looking forward to the next video!

@mattleathen445 Ай бұрын

CSR is the only one that really requires high spend to justify the AF, as far as I can tell. CSP gets 80% of the perks for 1/5 the effective AF. Especially with the PP restaurants downgrade.

@theanimecompletionist Ай бұрын

I can’t get approved for the Venture X 😢

@Earley_World Ай бұрын

Platinum for the win 💪

@iTzDritte Ай бұрын

🤠 Ritz-Carlton Rewards card spotted at 7:16 🎉

@lorii2476 Ай бұрын

Still Chase for me because of Hyatt! 🎉

@travellearnrepeat571 Ай бұрын

Reserve for the WIN 👊

@AskSebby Ай бұрын

🙌

@EXPRECDJ Ай бұрын

Give the Amex Green Card 2x on groceries, 2x on gas and a Priority Pass membership (pay for entry) and it would be the best all-around card.

@Alvin_1914 Ай бұрын

Squuuuuuuuuuad. Comment before i watch. This is a mean showdown. Ive had all theee and currently have two. I cant wait to hear your opinion

@AskSebby Ай бұрын

🙌

@gbouton2011 Ай бұрын

The showdown!

@zyzzuschrist3410 Ай бұрын

W Daddy Sebby 😅

@bebopcola84 Ай бұрын

The Venture X has been my first foray into the premium travel card market and am enjoying it so far. Haven't had a chance to redeem yet (waiting to do so far a London/Paris trip with my parents next year) but between the signup bonus, currently accrued points, and what I am likely to accrue, should have a nice nest egg of points. Question - I am looking to add the Savor so I can fill in some better bonus categories (Dining and Groceries). I've read you should wait six months from opening one credit to opening another, but is it really that bad if I don't wait? My credit score is around 800-ish and am not really planning on making any other big moves that would impact it. Thanks so much for your great content! Got hooked on your channel a little bit ago and am loving it!

@AskSebby Ай бұрын

You're less likely to get approved for a card if you try to open more than one Capital One card every six months, but some people have been able to.

@bebopcola84 Ай бұрын

@@AskSebby Much appreciated!

@steelcitytv Ай бұрын

If you travel outside the USA capital one zero international fee case closed

@tommywei1154 Ай бұрын

have the CSR and the Vx. wish SFO had a Sapphire lounge or a Vx lounge.

@tumbleweed1976 Ай бұрын

AMEX being accepted when traveling outside USA is why I hold CSR.

@Vamanos46 Ай бұрын

Capital one lounge experience for me at denver, dallas has been hit 👊 and miss. The dallas terminals are extremely far apart from each other, nearly missed my connection flight even though i pre-booked early, grabbed a plate, ate fast and rushed out.

@gruhby9546 Ай бұрын

Venture X is THE way to go with a premium travel card. You get a massive travel credit + great benefits!

@Adiscretefirm Ай бұрын

If Amex gave food vouchers at the game it would be broken up into $7.50 per half and you have to use the Fan Zone food court, no vendors in the stands

@Vamanos46 Ай бұрын

I think I'm going ro swap my venture X to : uS Bank altitude reserve

@pyrotfboba Ай бұрын

That card is not open to applications anymore

@blueorange31 Ай бұрын

Feels like hes made this video like 9 times already for some reason

@AskSebby Ай бұрын

Ironically, the first time comparing all 3 cards…

@darkmold7597 Ай бұрын

Citi prestige 😭😭😭 also schwab plat elevated offer got me creaming my jorts

@Chris-eu2ls Ай бұрын

Creaming your jorts 💀💀🤣

@pomono3929 Ай бұрын

cowboy emoji

@papertowel2458 Ай бұрын

I'll get whatever Daddy Sebby thinks is the best. He can slap me across the face and i'd still be happy.

@MrJas1455 Ай бұрын

Not 1st!

@AskSebby Ай бұрын

🙌

@Ricewater94 Ай бұрын

Got my constructing company with the amex!

@bencalebrod Ай бұрын

If you're counting the Uber credit for Platinum I think it's only fair you count the $25 in monthly Doordash credits for the Reserve, which lowers the effective annual fee for that to as little as -$50 depending on how useful the credits are to you, particularly the two monthly $10 non-restaurant credits which depends on if you normally get food from Sheetz/7-eleven/other places that qualify and have pickup as an option.

@barryharfenes7821 Ай бұрын

I subscribe and watch most of your videos but in my opinion this is getting redundant. I guess I could just skip these and some new people might benefit. I am not a creator so what do I know😊

@AskSebby Ай бұрын

Ironically, this is the first time I've made this video comparing all 3 premium cards...

@MishimaHaruka Ай бұрын

@@AskSebby I'm not an expert on these (and that's why I'm kinda replying to this), but I think the issue is that people are now becoming likely aware of things like the Chase Trifecta, or the Capital One Duo (I think?), or the Amex Plat+Gold, but the questions would be like, is it worth it to have all of them? Should you have a set or can you get by with a standalone (you may have done something like that already, I can't remember r/n)? And if you should get a set which would it be and if it depends, why? And you kind of alluded to it in the video, but if you're looking for aspirational travel, which set is the best? If you're just looking for using it for regular travel (assuming transfer partners) which is the best and if it depends by which hotel chain or which airline, then which? And then there are questions w/r/t hotel chains even too. Like I got the basic Hilton Amex ($0 fee) since I stayed at their hotels, but I struggle to find good value (I can't even find places when I travel to get $0.006 per point like they say it's worth) so while I considered layering cards to get more points, I think it's not worth it based on the fact I can't seem to get good value for them - but maybe I'm doing it wrong, though if I am I don't know why. Meanwhile, I may get the Hyatt card instead because it seems like getting value from their program is a LOT easier, even thought I have the CSP and I can transfer points already. I also made mistakes as I was learning like not going for Capital One early, which makes getting the Venture X now really hard (I did manage to get my foot in the door with the Savor One so hopefully that's a start), or instead of applying for the Amex Platinum I upgraded the Gold instead which was a big whoops considering you can't get the welcome Plat bonus as a result. To that point maybe a useful video (though maybe not in your scope or target audience) is to say which order you should get these sets of cards (I think the correct order is Capital One, then Chase then Amex, but why?).