How to Maximize the Capital One Venture X: Must Have Duo System 2024

[@AskSebby]

💳 Sebby's Card Picks: www.asksebby.com/credit-cards Venture X Calculator: www.asksebby.com/credit-card-reviews/capital-one-venture-x

[@TRthirtytwo]

Venture X is a great card, i use it as a catch all paired with Amex gold. Really need more capital one lounges though.

[@AskSebby]

Hoping for more to open this year!

[@SpartanOfFinance]

If they open a longe in Philly or Newark I will be on board.

[@Vscounter]

Same here as well. That's basically why I don't have a CO duo. I religiously use both of my $10 credit every month, and Amex gives additional transfer partner when travelling. Purchase protection on Amex saved me once also.

[@2011carp]

​@@SpartanOfFinanceI believe the next one they're working on is vegas

[@kennylin1850]

They need more lounge on the west coast

[@dr.figvideos3303]

This is my primary setup. I wish Capital One had a Freedom Flex-like 5% category card to make it a nice Capital One trifecta.

[@Numba1hunna83]

If they're smart, after absorbing Discover, the Discover it cashback should be transferable to capital one miles on the venture x. But rarely do these companies do the obvious.

[@zyzzuschrist3410]

Coincidence, I was just watching your capital one duo video from 2023. Venture x is an awesome card 👏🏼

[@AskSebby]

Nice! This one is updated for 2024 :)

[@chrisoverbey5937]

I’m Denver based, and this really opened my eyes to some things I never gave much thought to before

[@mattleathen445]

The Capital One lounge is fantastic!

[@DallinBunnell]

I currently have the VentureX and Amex Gold as my setup. But if I get tired of the Uber/Grubhub hoops, I might just switch to the SavorOne.

[@nnamuenmada]

What other annual fee cards you have apart from all hotel/airline cards?

[@bombas238]

I have the Venture X and Amex Gold setup as well. I’ve given this consideration, but a solid retention offer on the gold plus just one or two referral links landing per year makes the credits on the Gold even more of an afterthought.

[@DallinBunnell]

@nnamuenmada we have the Chase Sapphire Preferred card as well. I have the freedom cards as well and we finally got to the point where the Sapphire card made sense. It's not our main set up by any means though.

[@wilfredpapaya4739]

Same set up as you. Curious to see what will happen later this year with Amex refresh & Uber expiration in November for Cap1.

[@chosenlieutenant3978]

​@bombas238 how do you go about finding referrals annual?

[@scottshapiro2795]

I use this setup quite a bit as it's very economical, and simple. Sure I'm leaving money on the table, but I think that's worth it to not have 10 credit cards and have to balance those and keep track. Capital One doesn't have domestic airlines, but you can always use airline alliances to book domestic, sometimes cheaper than the domestic carrier. Although I do wish Capital One had better hotel partners, or gave you status at a hotel.

[@MattMcGrathOfficial]

I find myself using the Venture X a lot for non category spend. Maybe adding the Savor One might be a move I make in the future. Just have too many other cards right now.

[@KeithW901]

I changed my venture one over to a savor one and it was without a credit check. Only downside was no intro offer. Check if you have a lower tier card from them that you don’t use

[@sophiapan22]

@@KeithW901 How did you request the change? Phone calls? I called and was told that one is a visa and one is a mater card. Can’t change. I would love to hear how you make it work!

[@KeithW901]

@@sophiapan22 using the c1 online product change page (search KZbin for the link, it won’t let me post it here). No need to talk to customer service

[@MattMcGrathOfficial]

@@KeithW901 my wife has a Quicksilver card we are looking to dump. Would this qualify?

[@KeithW901]

@@MattMcGrathOfficial I don’t know, since it’s always up to capital one. Use their upgrade tool to see if it’s possible. If it works - She can add you as an authorized user and y’all are set.

[@gpeng]

Just signed up through your link, great content, keep it up, will start list of action items you've outlined.

[@AskSebby]

Awesome, thank you! Appreciate the support.

[@JeffNewton]

🦄 Love our Venture X/ Savor One combo.

[@jsambuo]

🦄 Thanks for the great info! I just got the Venture X and got back from a trip between IAD and DFW. The lounges were wonderful, and I started to think more about other cards. I’m still not sure if I want to have more cards as I really like having only one or two cards to think about, but it’s interesting to think about how other cards like Savor could bring me more value.

[@mitsospiros]

I have the Venture X and a ton of points for Capital one. But I prefer to fly economy and transfer partners usually don't work out so well for me. That's why I love my Sapphire Reserve. Been getting good deals using their portal. Trying to use up my Cap1 points with the erasing feature.

[@EmmaArsenault]

🦄Love this duo, it is my main setup along with Bilt for rent! 1) I went with SavorOne because I would not hit the breakeven point that makes the Savor's AF worth it. 2) I wish there would add a CapitalOne lounge in the northeastern US (especially in BOS), and a multiplier for non-portal travel spend would be amazing though the 2X catch-all has still been really nice!

[@VMYeahVN]

I'm about to do the same! I have the duo, and my apartment JUST switched to an online payment service for rent so i'm about to get Bilt next and i think that's going to be the holy trinity for me.

[@AMo23486]

I may have to product change my old Quicksilver to a SavorOne. Never thought too much about it but my P2 does have the Venture X so this would give us an easy set up to run.

[@jeppusahn]

🦄 I also heard that the venture X business priority pass still includes restaurants - which could be a huge pro for the card considering CSR is removing the restaurant perk in july... Would love to know if you can confirm this, and if it's only for the biz venture X or for personal as well Thanks man! Love the videos

[@AskSebby]

Only on business

[@fernmchenry8193]

🦄 I look forward to your videos! So informative 🙂

[@AskSebby]

Thanks so much 😊

[@Kylo_Ren_2033]

Is there a rule to prevent you from getting the Venture X sign-up bonus if you get the regular Venture first?

[@aghanem96]

@asksebby

[@sgtOOX]

Nope, I got both sign up bonuses, then canceled my original venture after getting the venture x

[@greentechgiraffe]

🦄 I went for Savor One and after your video ill need to confirm the math! But long term allow me to get other cards in addition and not feel any push to breakeven due to annual fee. The Venture X would be great if they offered a tiered SUB for those with slightly lower credit ratings.. or would that go against the idea of exclusivity?

[@AdamBA380]

The Venture line is already kind of tiered by the inclusion of the VentureOne and Venture, but in a different way. Because the Venture X is a Visa Infinite there’s really no room for a “lower” credit rating as the minimum credit limit is $10k… it definitely sits in that exclusive category. Even though C1 state that both the Venture and Venture X require an “excellent” rating, the Venture is easier to get with a lower credit score, but you can still get the same 75k points WUB. So in that way it is tiered.

[@diegoqr972]

Great video! Do you anticipate the SavorOne losing the 10X on Uber in November 2024? Thanks!

[@FreedomFinanceFun]

I barely spend on the venture X because I like chase, but my parents and sister get priority pass

[@fiverareblanks]

🦄i use the ventureX but since Im a low spender I use 3 cards from bank of america with the 5.25% cash back to catch category spending by switching the categories around depending on what I am buying.

[@ItsMeCJ]

🦄 I’m definitely happy with choosing the Venture X. I used my travel credit within the first few months, and now I’m waiting to get global entry. I really want to experience Singapore Airlines suite one day, so I better get to saving my miles for that trip 😃😃.

[@AskSebby]

Great to hear!

[@magnod100]

I have an older venture visa. Can I change it to a savor rewards?

[@Mandocammarano505]

If my wife got the savor card and I got the venture x can she transfer all her cash back to my VX ?

[@trendari9977]

🦄Great job. You present some good options.

[@AskSebby]

Thank you 🤗

[@YanLuo]

(How do I type the unicorn emoji?) We were planning to get the ritz card for lounge/restaurant assess in JFK but unfortunately that’s going away… my family hates to do security check twice to assess lounges in other terminals and terminal 8 only has PP restaurant. Most of our flights outbound from terminal 8 and despite we have the venture x, there is still no lounge assess to us at home😢 what’s the best card for PP restaurants other than the VX business?

[@thejokerspeaks]

1. Savor (BILT + Surpass is my current food setup) 2. Cruise line transfer partners and/or perks. 🦄

[@DracoKnight78]

Got denied for savor one even though I have venture X. Rejected me for opening too soon, even though my last card was the venture X and was like 8 months ago… capital one is just stupid in their application process.

[@WinTheMissingNumber]

🦄I applied for these cards after watching your videos. I love this duo; I got it last year, and it has been my go-to ever since. I prefer the Savor One since I'm not ready to commit to two cards with annual payments yet. Currently, I have about 350K miles, and I want to use them for first/business class travel to Asia for a family of four. However, I'm concerned that I might not have enough miles for this. Additionally, I'm still confused about how to find seat availability and the best way to transfer Capital One miles. Do you have any videos or pointers for this? Thanks in advance, and please keep making videos!

[@bennermk2472]

🦄 have they announced future cap one lounge locations?

[@rank1839]

I thanks for the video. Is it more difficult to get approved for the X card if you have a lot of points on the Savor? 🦄 I just was accepted for the Savor card. I just applied for the one with excellent credit. I don’t.t think I’m paying the yearly fee.

[@sukieeek]

🦄 I'm a little late to this credit card game.. after debating for a longggg time finally applied for VX two days ago, can't wait to pair it with my savor!

[@aelipy-456]

should i get savor one then wait for venture x or how would i start with this?

[@shaego277]

What would be a good card for getting points for EVA?

[@mcr754]

ty sebby!! love sunday posts. i have the VX biz card. been debating getting the personal VX or the savor additionally. your thoughts? both?

[@AskSebby]

Good if you can utilize all the benefits

[@KeithW901]

🦄 very happy with my duo so far. I would like to see capital one add a gas category or maybe a third card to their lineup to fill the gap. That way people can 100% be in their stable

[@ryanshannon6963]

If they added gas then all my cards would be C1. The Citi premier fortunately has similar enough transfer partners for my platform combination to work out though.

[@1990Ravens]

Ihg vs Hilton vs Marriott. Which program to join? Which credit card to get?

[@singharyak7668]

I have been seeing capital one building a lounge at LGA which was supposed to complete in 2023 however, it's still under construction with no updates.

[@mrcoolman36]

I just got the venture X but had the venture before. After signing up and I got the card. It told me the $300 credit was changed I have to use it thought the portal. Which is ok but a bummer and I feel mislead by venture card. But still good. We use Sam’s club or Costco cards to get 5% or 4% back on gas. I think they can get a status for a decent hotel brand that would be nice. Like Marriott or Hilton.

[@Marcky606]

got approved for the venture x today.

[@jaws2003]

🦄. If a person did use the citi custom cash for gas and ev charging, how can that translate into better rewards using two different card companies? Honestly a citi duo can work well for me also in my situation if i had the citi premier and double cash card. Issue would be lounge access and paying for it out of pocket.

[@SirJohann]

I love this concept but I hardly (if ever) spend on entertainment, streaming services or what they considered "groceries". (they exclude Walmart & Target) Is it still worth getting in my case, or would the QuickSilver be a better option? I have the VentureOne and planning to upgrade later down the road.

[@nickbowman7102]

🦄 I’m a grad student with the quicksilver. Should I get one before the other/product change? Can I have all three? Thank you!

[@AskSebby]

I would apply for the Venture X to earn the bonus. You don't get an intro bonus when you product change. You can product change to the Savor One if the QS is one of your oldest cards to keep the credit history alive.

[@nickbowman7102]

@@AskSebby awesome cheers!

[@JuiceBoxx_Ed]

🦄 I just got the CSR and very green on the travel points game, I keep thinking I should had gone the Capital One route instead. Did I make a mistake? Rarely do I fly, travel once a year for beach vacation and we drive

[@xgoldenxchildx]

I had the Capital One Venture X previously, but canceled it. One thing I didn't hear anyone talking about was that Capital One's Travel Portal was consistently more expensive than other options. I was constantly losing out on value, paying more effectively just to use the Travel Portal, and at that point, is the effective cost only $5? Also, you lose out on a lot of benefits booking flights and hotels through the portal instead of booking directly. So, I don't know, it wasn't for me and I don't think it makes sense for a lot of people either.

[@at3niel]

Im locked put of capital one. Should I upgrade my QS to Venture with the hope of being able to upgrade that yo the X?

[@adventuresofwadepeyton6886]

What do you mean you’re locked out?

[@at3niel]

@@adventuresofwadepeyton6886 i Have too many revolving accounts, according to them.

[@GregNFLSundayTicketYT]

I unknowingly applied and secured a Venture card… I’ve had card for years, never been late, pay off balance, use frequently. I called C1 and asked to convert to Venture X and they said i had to wait to be invited…any suggestions?

[@patienceisalpha]

Capital one entertainment is powered by vivid seats / ticket master. And the tickets are at the same price AFAIK. I booked concert tickets and nba ones. 8x is nice. You get them in your ticket master account as usual. 10/10 would do again. The savor I never get prequalify so keep using my CSP for groceries and freedoms for 5x. I mainly do flying blue so everything transfers there. And flying blue family means p1/p2/p3/p4 bonanza

[@Stillflyer88]

They told me they can’t guarantee a venture x to be metal capital one told me this is this true ?

[@xzygy]

There's a 6 month cooldown on getting approved for Capital One cards. So you wont be able to move quickly to this setup.

[@zyzzuschrist3410]

Recent DPs suggest it’s 3 months now though YMMV

[@williamfeliciano6003]

@@zyzzuschrist3410yea but you won’t be able to get the bonus

[@melee75]

🦄What about the Venture X/Bilt combo?

[@Njs32]

🦄 great stuff! Love my venture x and savor card. Also just got approved for the sapphire preferred last week. Will be visiting the IAD lounge and Turkish business lounge in IST in a few weeks thanks to capital one miles

[@AskSebby]

Enjoy!

[@ryanshannon6963]

The IST lounge is pretty amazing. We visited last year and it was totally worth our 4 hour layover.

[@Njs32]

@@ryanshannon6963 love hearing that. I got 3 business class tickets a day before Turkish airlines devalued their points. 45k miles, IST to cologne Germany.

[@jarrod499]

Venture x + Savor One is a great combo. I actually like the wf autograph over the citi custom cash. It gives you a general travel bonus which is great for hotels when the C1 portal doesn’t work out. It also bonuses gas and streaming plus cell phone service and includes insurance. Plus the points are transferable to some of the same programs as C1.

[@andrewm7352]

Agree on setup - my issue is that C1 doesn’t have 1:1 transfer to Eva Air, I think it’s 1.5:1. I’m a Citi stan for that reason. I wish the VX had better transfer rates. Also, an edge case but the Alt Reserve still has PP restaurants but capped at 8 visits per year. 🦄

[@ian8lisle572]

Sebby, what microphone do you use?

[@CinemaSteve]

Shure sm7b

[@mrhydrojefe]

🦄. Wanting to add the saver one to create the duo.

[@sophiapan22]

🦄🦄🦄 Would love to product change my venture one to savor one to pair with venture x.

[@strevor70]

🦄 I can’t t bring myself to get the Venture X. SUB would be nice, but I have little interest in doing business with Capital One in the “Premium” space. Nor would I be using their travel portal to try and recoup my AF. Good video!

[@KennethPerraultJr]

Could you do a video on how to create a setup with only no fee cards??

[@chadpennycuff]

C1 needs to up its hotel transfer partner game. However, I still ove the duo. I was honestly using miles travel eraser function as a catch-all for things I couldn't with miles elsewhere (Disney Cruise line). Then I got a USBAR and 4.5% on Apple Pay smokes everything in my duo.

[@coreyw5981]

Why is it so hard to get approved for this card when you have multiple cards? I keep getting denied saying i have too many rotating cards. But yet i see all these card guys getting approved. My score stays above 780, so thats not the issue

[@simonmesserly]

🦄 very good info 🤙🏻

[@hardcorehunter7162]

I'm a little lucky and am grandfathered in on Savor, so I can have that card without a fee. Still miss when it had 8% on restaurants and 4% on Groceries. The miles cards never make sense to me. Yeah their points are just called miles they aren't real miles, I get that. Though the worth of miles is like the stock market. I've seen posts on reddit of people able to fly business class on overseas flights for 55k miles on what would have been a 3.6k flight. Meanwhile there will be people spending 15k miles just to fly half way across the country on a flight that would have been $350. I'm just sort of at the whim of whatever the points gods feel like miles will be worth that day. With the Savor though I just get a piggy bank that builds. I don't have to guess what a transfer rate will be or anything and I still get offered discounts if I book through capital one travel apps.

[@ryant5067]

Venture x would be nice to have a clear credit like the Amex platinum but that'll probably come with an increased fee. And as soon as I am out of 1 in 6 with capital one I will be going g for the savor. Just wish they had more in terms of domestic partners since my kids aren't old enough for international travel yet. 🦄

[@luckylee5026]

I live in Chicago and technically😂 we do but dont have PP lounges. Swissport lounge will never allow PP holders into their lounge.. I really hope cap1 will create a lounge in O'hare!

[@dgasmd1]

I wonder how you guys in the "CC Game" get around getting rejected due to high number of inquiries in your credit report. Have a >750 score, zero negatives, own home, no debt, very high income, no balances, about $250K in current CC credit lines, and yet got rejected by Wells Fargo for the free autograph due to "high number of inquiries". Seriously??

[@dylanlaforest5019]

That’s why I only open 2 to 3 cards a year

[@vapor92]

Cap1 for sure has to reduce the Priority Pass benefit soon, right?

[@AskSebby]

Like most credit card benefits, enjoy while it lasts 🤷‍♂️

[@PDXBeach]

I’m not exactly sure why you want both cards (aka “duo”). I’ll check some other vids

[@latohawaii5292]

Perhaps make people aware of Capital One's 1/6 rule as I was just denied for a Venture X for a previous recent approval for a Savor. I enjoy your videos but this is not "expert mode" .

[@jeremycain2491]

🦄 Go for Savor. Would have them bring back the Priority Pass restaurants.

[@MyNameJim]

I thought the Savor one has zero annual fee?

[@AskSebby]

Correct, SavorOne is no annual fee. Savor is a different card and has a fee.

[@jessemanchester8549]

🦄 I'd go for the higher savor one multiplier. I have a venture x, but got autoblocked when applying for a savor. Likely too soon after getting the venture x?

[@Zaay93]

Downgrading capital one cards are a pain

[@herrmuntz9711]

Maestro Sebby I've been trying for 4years to get a credit limit increase on my Quicksilver 5800 to 10,000 G's to product change to VX But no luck , now the grass looks greener on the Barclays side. Aviator Red, But first got to get my new CIC, and CIU through your links of course.🦄🦄

[@AskSebby]

Thanks for the support! :)

[@anaveragejoeslife]

With the CSR dropping Priority Pass restaurants, it would be cool if Capitol One added that feature. I realize that is very unlikely, but it would be nice.

[@AskSebby]

Nope, they removed it last year.

[@anaveragejoeslife]

@@AskSebbyYes, I remember... I should have said added that feature BACK. LOL

[@robert8311]

If only it’s pairs well with chase cards for transfer partners domestically then I definitely get it

[@jenniferw8963]

Another weakness is 0.5CPP cash out, unlike UR which is 1 CPP.

[@HeythereDavehere]

Future Sebby video: "I got 100 people into an airport lounge"

[@AskSebby]

😈

[@lexbraxman9270]

I hope they redesign the Venture X card or have other colors. It's quite underwhelming.

[@LeoHipolito]

Venture X#1

[@alouie001]

Its a better deal than Amex Platinum. Plus they just bought Discover so they could do a product revamp next year. I dont see Discover card surviving post merger.

[@maxmaxed2887]

Venture X is a great card that is impossible to get approved for. That is why I went with Chase

[@JacobsPointsAndProfit]

But how does the Capital One Duo affect Lebron's legacy?

[@RC94332]

🦄 good vid

[@keenanburkepitts]

Didn’t have to do JJ like that 😂

[@Alvin_1914]

Sunday Squuuuuuuuuuad!!!!!

[@AskSebby]

🙌

[@kazi1]

Hi

[@AskSebby]

👋

[@joanreilly6419]

Unicorn I'm a cap one devotee

[@ppdaazn69]

Any idea when they popping out more c1 lounges? In ATL?

[@TheKsolo1212]

Support the channel

[@frankjohnson3815]

🦄🦄🦄

[@alohadanica393]

🦄

[@CaseyMugar]

🦄🦄🦄🦄🦄🦄

[@youngalwyn1124]

Due to Capital One’s subprime leanings, many people cannot become Venture-X cardholders. I’m in this group. For us, this video is of no value.

[@kylewelch8697]

I would get the Savor if they let me upgrade my Quicksliver card to it since it is my oldest account.

[@eddypoopoo]

Have the Venture X, recently applied for SavorOne & got denied! Said too many tradelines opened in the past 24 mo & too many revolving accounts... Any advice?

[@AskSebby]

Try again in a few months.

[@jimmyjames6492]

🦄🦄🦄

[@Dylan.Swindells]

🦄

[@Notebookboy1]

🦄

[@risenone99]

🦄