Chase vs. Capital One: Which One Is Better?! 2024 💳 Chase Sapphire Reserve vs Capital One Venture X

[@AskSebby]

💳 Sebby's Card Picks: www.asksebby.com/credit-cards

[@spencerburkholder8427]

Do you think Capital One will upgrade Savor card holders, or are we lumped in with the SavorOne folks, which have now been converted to Savor cards...?

[@AskSebby]

Legacy Savor will probably remain the same for now.

[@spinner903]

Hard to be Chase vs Capital One when Capital One won't approve you for any cards

[@AskSebby]

😬

[@adewaleoluyinka5519]

Underrated comment

[@druiz012]

Idk. I have a lot of CCs and I got the Venture X and the Savor One. 🤷‍♂️

[@alanhernandez3238]

I dont know about that one. I've had two capital one cards and got approved without any issues when I applied for them.

[@tylersheppard5450]

Cap1 does have weird approvals and tbh it’s easier to get in the early game.

[@scottshapiro2795]

⚡I prefer Capital One for one of the reasons you said. I don't care about hotels. When I go somewhere I just want one that is convenient, in a safe neighborhood, and cheap. When I travel, I'm usually out exploring the whole day, so hotels don't matter too much. Hyatt is a nice brand, but no guarantee they'll be in the area I want to stay, or they they will be be the cheapest.

[@mrlang125]

i honestly think its good to just stack both trifecta and duo. It'll be a good video to make on how you would utilize each card in this stack!

[@TrentonMatthews]

To clarify for those who noticed: The edit at 1:35 was intentional, as the Capital One Savor One, is simply now known as "Savor." And said credit card history of an adventure is now forever more a totally confusing delicious mess of savings!

[@AskSebby]

Yup! This was filmed before the rebrand yesterday. It really does make it confusing people who have the legacy Savor and no annual fee Savor.

[@druiz012]

C1 is better for spending. But Chase is easier to get UR if you can get business cards. Lots and lots of points available.

[@patienceisalpha]

the main reason why I keep a csp is transfer to Hyatt. I keep getting easy 3+ cpp on pretty much each hotel stay. Staying in Houston next week at 5k pts a night vs 160 USD cash. Hence I do the 3x on dining on the CPP with the 5x of multiple freedom cards. just a stash of these hyatt redemption justifies the card long term :/

[@AskSebby]

Nice! Glad you're able to get 3+ CPP.

[@patienceisalpha]

@@AskSebby stretch between three points systems tho. God bless flying blue, and their family program for p2.

[@alexthai5223]

How many freedoms do you have and is there a way to get multiples

[@patienceisalpha]

@@alexthai5223 you can get as many as you by downgrading CSPs. I got 3.

[@patienceisalpha]

3 freedoms, downgraded from csp (p1/p2)

[@Alvin_1914]

I used to be a Chase and Amex guy. Then I got the Capital One Venture X. After enjoying a delicious lunch in the the DFW Capital One Lounge after a trip that I took on the travel credit it became clear that there is room in my wallet for every card that gives me outsized value.

[@AskSebby]

The CO Lounges are great!

[@pyrotfboba]

That Savor edit is hilarious

[@AskSebby]

😛

[@SFArun16]

Hey Sebby, I wanted to share a find with you. I live in San Francisco and my wife and I travel to different parts of Asia almost yearly. Through your advise on your channel, yesterday (25Oct), I found 2 one way business class seats on SQ34 -SIN to SFO - Oct 15, 2025 on Air Canada's website. I quickly moved 87500x2 points from Cap One to Aeroplan. I have never seen an SQ offer like this. Now we are building our trip out there to meet the return flight. Thanks for your awesome tutorial!!

[@AskSebby]

Awesome!! Enjoy! :)

[@iTzDritte]

⚡️Ritz-Carlton Card appearance at 9:20 🎉🥳🎈🎊 I never had a doubt that it would make a cameo in the video

[@AskSebby]

😉

[@Triple.7]

February I can change my chase to Ritz woo hoo

[@keinlanz]

The CS is a true, fully travel-focused card, while VX is more of a hybrid card with a focus on travel benefits. The VX is better for the average person who travels a fair amount but spends more on other things like hobbies, while the CS is likely better for someone whose lifestyle revolves around frequent or higher-end travel. VX is better for spend, but Chase has better transfer options. My biggest issue with VX is the hotel partners are all pretty bad. I most commonly get the most value out of simply booking travel and using the purchase eraser. It makes me wonder if the transfer partners are even necessary at this point. I'd almost rather C1 drop them and add a couple of more travel bonuses to the card instead.

[@ryanarnold4790]

Yeah I’ve got a 760 fico and forever in the bucket. It’s alight, Amex takes my 80k plus a year spend even if capital one doesn’t want it

[@fitfordjohnson2844]

Opportunity cost would say get capital before chase because capital one will straight deny you for being to developed in the card game it seems

[@michaelgrayson409]

If you're ok being a travel portal-captive and/or live in DFW: Capital 1. If you're deep down the rabbit hole: Chase ⚡️

[@nubianpwr]

indeed with Cap1 you are a travel portal captive

[@maxmaxed2887]

No. CSR is much better for travel portal bookings

[@harshitgupta7740]

Yes, I want to go down the travel rabbit hole but the video ended. My fav c1 card is savor one because of the uber benefit that's ending sooon

[@ProfessorOzone]

In your list, I didn't see Delta Airlines. I know Delta has it's own cards and bonus points and such, but are there any points that can be used for ANY airline or am I figuring this wrong? If points can only be used for certain airlines then this might determine which card you get, if for instance you fly United a lot and Capital One doesn't partner with them to use points. Am I understanding this correctly?

[@SleepyRod]

⚡️ 1) Capital one actually has a grocery option and both the savor and venture x have no foreign transaction fees. 2) CSR, CFF, and CIC. 3) Venture X and Savor. I wish Capital one had extended the Uber one benefit.

[@baperrin256]

I still don’t understand all the online hype for Chase travel partners. Hyatt is great, but really the only pro I see for them over C1. VX gets you 2 percent back for less buy in than the CSR/Freedom combo (2.25 percent in the Chase portal). Domestic flight availability through transfer partners like Aeroplan has been miserable the last 6 months. So, yeah, it’s great that Chase has some domestic partners, but their valuation of points isn’t gonna save you anything.

[@jmlinden7]

United and Southwest are much better transfer partners for domestic flights. If you mostly care about international flights then VX is fine.

[@baperrin256]

@@jmlinden7 my point is that points don’t go far with United. My understanding is southwest doesn’t have great valuation either.

[@jmlinden7]

@@baperrin256 Points go as far as you have use for them. If you only ever fly domestically, then you have very little use for CapitalOne Miles even if they can be theoretically more valuable.

[@maxmaxed2887]

Can you book American Airlines and Delta flights on CO travel portal?

[@FreedomFinanceFun]

I'm jusy about done applying for chase and have the VX only for the lounges super power and I booked a few nights using Vacasa. Chase points provide better value and more options to earn.

[@landocalrisian2014]

Actually I would say "traditionally" before premium Capital One cards, many started with Capital One First!

[@fuge511]

Opened csp, then 3 months later opened VX… I think it’s worth keeping my csp for portal bookings when that is a last resort. And VX is my only lounge access, global entry card. I do eye out Turkish 10k domestics redemptions as well doe! And I just added Citi strata to my set up!

[@johnslays5770]

how hard is it to find good transfer options for VX domestically? I rarely ever fly but do wanna start doing adventuring. I have a 90k offer from VX and 80k offer for CSP

[@smaranh]

Have best of both worlds for $90/year. Capital One Venture X and CSP 🎉

[@cmelradiovl1162]

For the annual price and the competitive benefits, Venture X duo is too OP

[@supermandar]

⚡️ Both! CSP and FF for flex bonus categories and Hyatt points transfer. Capital One for lounge access and catch all!

[@thedistordedbadger]

Does capital one's ease of earning points make it better for airlines while Chase's more valuable hotel partners make it better for hotels? Sounds like C1+CH could be a better value than an Amex+Chase card portfolio

[@kamkarter8821]

⚡️ CSP is the only chase card I have ever had and I still don’t see the value other than no international transaction fee.

[@smartbbrain]

Capital one portal is terrible for any of the flights i want to use. Everything is 1.5-2x the price outside of the airlines own price. It makes the EF of VX for me closer to $250 matching CSR EF.

[@stevegold2717]

What has chase done with primary rental auto insurance in NY and why.

[@qt_rn17]

I don’t have Capital One credit card yet. Heard a lot of pros but I have the Ritz for priority pass and CSP for transfers. I already feel overwhelmed with Chase and Amex cc’s, but considering CVx in the future.

[@johnpuchalski1369]

What about travel insurance, primary car insurance. Isn't chase better in this area??

[@melaniew323]

I like CSR. I recently dropped my brand new laptop and broke it. CSR has purchase protection thankfully. ⚡️

[@AskSebby]

Nice! Glad it worked out.

[@MrDwat1981]

Where did you get that card holder?

[@litovlz]

Hello, I have the regular Venture 2x. What capital one cards can I transfer cash back to the Venture and make them miles. I have a Quick Silver too but I’m not able to transfer the earn cash back. Thanks for your advice!

[@EckoMG13]

Why doesn’t he include the door dash credits for Chase (up to $25 a month ) Lyft link etc

[@grownsimba8120]

⚡️ 1. Chase. The value you get for the World of Hyatt is unmatched for hotel redemptions as long as they have a hotel in the area you want to visit. And that's always been the case for me. 2. Sapphire Reserve. Especially after they added lounges in BOS, JFK, LGA. Airports I frequent. 3. N/A. I respect Capital One, but they're just not for me.

[@ohsofilthy6877]

always love the vids sebby thank u

[@iankm1]

⚡️⚡️Sebby, where should I go next January. Maldives, Seychelles, Galapagos or Bali? I’ve never been to any. Thanks.

[@joey.chavez333]

If I have the Capital One Venture X and Capital One Venture is that a do-it enough combo of cards or would you suggest downgrading to Capital One Savor instead of the regular Capital One Venture to pair with the Capital One Venture X? ⚡

[@AskSebby]

Venture X and Venture are both flat rate earning cards. I would go with the Savor to get multipliers on other categories.

[@merrywilliams6825]

⚡️Wow thats lots pf great info. I’ll have to watch again. Trying to plan some trips to Taiwan and Switzerland.

[@pluto3d638]

⚡️I prefer the Freedom Flex over the Savor and the Venture X over the Sapphire Reserve ⚡️

[@Dudevegaslv]

It’s not even a question! Capital one VX all day 🎉

[@Fridge56Vet]

⚡️ 1.) Right now, Chase, as I have the Ink Preferred & Unlimited on the biz side, though the lack of a biz Sapphire Reserve could shift me to Capital One in time. Esp. w/the Venture X biz's 2x on general spend. 2.) Right now the Ink Unlimited. 3.) Never had one yet.

[@mwlai288]

⚡I have the C1 duo and I'm a big fan of it. Just got the CSP with it's current welcome offer. Going to add the CFF and and maybe the CFU (do you think it's even worth it since I have the VX?) from there the Southwest Rapid Rewards Plus and Marriott Bold.

[@hantzmetellus7177]

Food for thought, if you end up liking Chase Transfer Partners, you can always use you VX for "Fixed Costs", the CFU for your regular shopping (anything that would give you 1x) and CFF for rotating categories. That way you're getting point for chase and capital 1. Cap1 points get partnered with your Travel credit and 10k anniversary points and you have yourself a built in mini vacation every year. And you hav3 a decent amount of chase points to transfer to Hyatt.

[@EdwinTX]

I have the Quicksilver & Venture Card but I want the Savor & Venture X.. how can I go about doing this? (Can’t PC, I’ve tried)

[@DGreen-1]

I was able to PC my Quicksilver to the Savor earlier this year. Look for offers in the Capital One app - that’s how I was able to switch.

[@luismunoz1213]

It’s all about the transfer partners

[@AskSebby]

Agree!

[@greentechgiraffe]

⚡️⚡️ #1 - First lifestyle card was Chase Sapphire Preferred and got Capital One Savor later. #2 - Still want to find path to Ritz Carlton card #3 - Venture X at some point!

[@yarbjamel6132]

VX card is good for overseas

[@TheTravelingHatter]

Capitol One vs Chase? As the great philosopher Yogi Berra once said, when you come to the fork in the road, take it. So yes to that question. Capitol One is essentially free to carry with the travel credit and the anniversary miles. Their lounge at DFW is the best I have experienced next to the Delta One Lounge at JFK. Right now my favorite Chase card is the CIP but I hear the siren calls of the CSP and the CSR. My Amex cards are nervous 😀 You know the best Capitol One cards 👍🏿 Question: Have you heard anything about Capitol One’s buyout of Discover ? ⚡️

[@Solace_Kagenou]

If you had lifetime platinum status with Marriott would there be any point in holding the bonvoy brilliant? I'm kind of in between because you would still get points and multipliers

[@AskSebby]

Only if you can maximize the free night award and credits.

[@kellenmiller]

I downgraded to the $95 unpublished bonvoy Amex after hitting lifetime Plat

[@Lancun]

If you had both the Brilliant and the Ritz, maybe. Because you can claw back enough of those credits to make those cards reasonably priced and get a two-night stay at a really good JW or maybe a Ritz/St. Regis on an off-peak season time. By itself, probably not.

[@Polo1928-v2e]

Chase has always been great to me. ⚡️⚡️

[@Youtube207user]

⚡️favorite chase card is the Hyatt, usually what I recommend to family members⚡️

[@AskSebby]

Good choice!

[@TaySunset]

With intro bonuses, I got a lot of points with the CFU/CFF. I unfortunately wasted my intro bonus with the SavorOne since it was my first “real” credit card. My girlfriend and I are planning to do yearly trips to Japan (from the PNW), so I am still debating if I should get the Preferred and combine my points for a big redeem, or go for the Venture X… I maybe would get both some time down the line. I just don’t know which to get first 😂⚡️⚡️

[@CrowsRevenge1]

⚡Did mine backwards and started with a Venture X into a SavorOne duo. About to start Chase unless a 150k Amex offer pops up. The value of the card and the lounges is just hard to beat. Will be sad to lose president circle but the card had to have some inevitable nerfs. Still a great set up though.

[@AskSebby]

Good setup!

[@GoldenRuleHomes]

C1 one removed the end date for president's circle. As of now, that benefit will remain indefinitely.

[@CrowsRevenge1]

@@GoldenRuleHomes good to know! Must have missed that.

[@brucebanksshow]

Capital One Venture X is overated and the CSP is underated. The Travel protections on the CSP are the best in its class with only an EAF of $45.

[@jamesragland03]

⚡️I have the C1 duo & was just approved for the CFU last night also working on the sub for the hilton honors card

[@AskSebby]

Nice!

[@theanimecompletionist]

Well it doesn’t matter because Capital One won’t approve me for a Venture X anyway 😂

[@chuyplant]

Thunder⚡️

[@mjcusack]

You mentioned about 5/24, but Capital One is well known to deny people with high velocity so if you were to chase the 5/24 then you would have what they consider high velocity and would need to wait quite some time before applying for a Capital One card. I find the Capital One cards far more valuable so I wouldn't bother with Chase unless there is a specific card you're interested, such as one of the partner cards.

[@rnt97]

Capital Ones approval process is a joke. Dave Ramsey of credit cards.

[@blakinsideandout]

⚡ when it comes to flights, I see no difference in any of the big 3 travel cards. C1 vs Chase comes down to effective annual fee vs Hyatt stays. If you don't stay at Hyatt's then C1 all the way.

[@amaurisalcantara1044]

⚡️⚡️⚡️⚡️

[@AskSebby]

:)

[@Alvin_1914]

Squuuuuuuuuuad

[@AskSebby]

🙌

[@CarlosCastro-tu4cw]

⚡️

[@spencerburkholder8427]

@AskSebby Do you think Capital One will upgrade Savor card holders, or are we lumped in with the SavorOne folks, which have now been converted to Savor cards...?

[@AskSebby]

I think the legacy Savor cardholders will remain the same. The rebrand of the no annual fee Savor makes it really confusing for everyone.

[@spencerburkholder8427]

@AskSebby agreed... it feels like a downgrade to me. I guess I'll just have to wait and see if they product launch a bigger better version of this card and apply? I have 4 cap one cards, so... hoping I dont get "boxed out" on opening that new line once it becomes available. I feel like Cap One is screwing us.

[@xabierlanda8998]

⚡️