Is The Venture X ACTUALLY Worth It? (My 1-Year Review)

[@SpencerJohnsonOfficial]

🎥 To see me compare all of the premium travel credit cards on the market right now, watch this video next: kzbin.info/www/bejne/gHTChGedjaxlldE

[@jakemic1191]

As someone who lives in northern Va, it is the perfect card with frequent flying and the new lounge at Dulles. Everytime I have booked travel, I have also received travel credits if the price dropped within 10 days.

[@SpencerJohnsonOfficial]

That's awesome man! I wish I had a C1 lounge in my home airport. That's good to hear you've had positive experiences with the travel portal too!

[@MattWelterOfficial]

Love the in-depth overview of the Venture X here Spencer! Capital One definitely has really strict application rules that prevents a lot of people further in their CC Journey's from getting the Card, and the incremental devaluation like you touched on with Hertz President's Circle Status being removed as an example, definitely can be worrisome for what they are going to do next. Totally makes sense that you want to keep it long-term, as it's such an easy Card to get positive value from. As a side-note, even though Lucia got denied for the Card recently, I recently did the Venture X pre-approval tool and was approved (probably since I have low personal credit inquiries with only getting Business Cards last year), so I think it might just be the next Card I get, to lock it in before it's too late. Great video Spencer!

[@SpencerJohnsonOfficial]

Thanks so much man! That's awesome you were able to get preapproved for it given how many cards you have. It could definitely be worth jumping on before you add too many more inquires to your report. Excited to see what you do!!

[@LukesPointsandMiles]

I think you can justify the card just for the Visa Infinite Benefits since it's basically effective annual fee neutral. Throw in the lounge access and "Catch All" category and its a nice card even if you set up doesn't feature it. But the value grows exponentially when you add the savor one. Great Video - and i feel like the purchase eraser feature is almost as good as cash back on a small scale.

[@SpencerJohnsonOfficial]

That's a good way to look at it too! I didn't mention those Visa Infinite benefits, but if you don't have another card with those then getting this one for that is gonna be your cheapest option most likely. Good point about the point eraser tool too. That's a good way to get a good cashback rate for your travel purchases at least.

[@sebxlopez]

I got the Venture X last year and then got the Savor One last month. The ability to get 3x back on restaurants, groceries, and entertainment with the Savor One, and then convert those cashback dollars into miles on the Venture X card is a MASSIVE play that I've been enjoying recently. And booking everything in cash on the Venture X within the travel portal to get 5x or 10x points, and then using the purchase eraser tool to back-cover the expenses is a great tip. The purchase eraser tool also works for uber and lyft travel payments, which is pretty cool. Loved this deep dive analysis on the Venture X, hopefully they don't keep messing around with the benefits too much by removing value instead of maintaining/adding to it.

[@davidgarces2622]

Great review of the card. I think even as just a stand alone card, even if it may lose value year after year, it's still always coming out with a very positive effective annual fee. I got the Savor one a month ago and looking to add VX to my setup and just allow me to use Savor 1 points as miles and should see plenty of value there.

[@SpencerJohnsonOfficial]

Thanks so much David! That Savor One + VX duo is killer if you like C1s travel partners. Hopefully you continue to get a lot of value from that setup!

[@tgeorge95]

Great video! I remember watching one of your previous videos about the Gold+Venture X combo which solidified my application for the C1X! Being based out of DFW has been clutch because that lounge is SWEET. The 2x catch all aspect has been great as well. And honestly just even 1 trip through the portal makes it worth it (travel credit + anniversary miles).

[@SpencerJohnsonOfficial]

Thanks so much man! The Gold and VX combo is still one I utilize to this day. It'd be even better if I had that DFW lounge in Austin, that's for sure. I hope you continue to get good value from it!

[@fuge511]

As long as we get the 300 travel credit and 10k points every anniversary for paying $395 a year, this cards a keeper for me. All others nerfs probably won’t make me cancel the card I am still in my first year and have so far taken 2 international trips and I love having this card as my zero Freon transaction fee, catch all card over sees and while at home! The priority pass access is just the cherry on top 🔥🔥😌

[@SpencerJohnsonOfficial]

That's awesome to hear you're getting so much value from it! The one thing I'll mention about the $300 travel credit is that if you wouldn't pay for a $300 trip in cash then it shouldn't count in lowering your effective annual fee, but as long as you take that into account you're golden!

[@fuge511]

@@SpencerJohnsonOfficial Thank you for pointing this out! I never thought about this until now lol. I think I can reasonably expect to pay $300 in travel at least once a year. Or if I see that my only points redemptions(are “low” )for a flight is around 1.1-1.3 cpp I might elect to save points and book with cash. This line of thinking might be flawed idk 😂

[@soulfullysane7807]

Just know that I watched several videos on this card trying to decide if I was going to get it and your video is BY FAR the BEST video out there!! Thank you! Keep it up please ❤

[@SpencerJohnsonOfficial]

Wow that means a ton to me! Thanks so much for saying that! I’m glad it was helpful for you 😊

[@luisserrano863]

Nice thorough analysis on the Venture X. I’ve been asking myself the same question on whether the Venture X is worth keeping. Since it is annual fee neutral, I’ve still decided to keep it for now, even if just for having the option of Capital One lounges, just to have another alternative if Centurion lounges get too overcrowded.

[@SpencerJohnsonOfficial]

I appreciate that Luis! It sounds like we're in the same boat. The card still gives positive value so there's no reason to close it, but I'll be keeping an eye on it come my 2025 renewal for sure.

[@jimmyjames6492]

The value for me is the 2X on all spend + their airline transfer partners + easy to recoup the AF. Thanks for the info + video!

[@SpencerJohnsonOfficial]

Heck yeah man, that's great. I hope it continues to stay powerful for you! Thanks for watching as always!

[@ignaagaloppo1197]

I feel like having the venture x and the sapphire preferred would be a better choice than to just have the Reserve, lower AF and similar benefits

[@AlexanderWilson1982]

FWIW, I had no issues getting approved with a >800 credit score and many cards. Got the card because the net value is $5 and the IAD lounge is quite nice.

[@SpencerJohnsonOfficial]

Thanks for the DP man! That's awesome you were able to get it. I wish I had a C1 lounge in my home airport.

[@AdamJohannessburg]

Hey Spencer loved the vid! Do you think you’ll do a video on the Marriott line of cards? They refreshed the Bevy and Brilliant with ATH welcome offers.

[@SpencerJohnsonOfficial]

Hey there! Thanks so much for the support! I don't currently have a plan to talk about those in the near future, but those offers are pretty great! I'll be talking a lot more about Marriott cards later this year though considering I'm planning on product changing my Boundless to the Ritz, so stay tuned!

[@MikeMaye]

I was lucky to get mine a couple months ago with the 90K offer. It's definitely a good catch all 2x card and it definitely makes a decent travel card with the $300 travel credit you get. I'm definitely holding on to mine at least for now. Great vid Spencer💥

[@SpencerJohnsonOfficial]

Let's go Mike! That's awesome man. I'm excited to hear how much value you get from it as time goes on.

[@TheCreditFrog]

Great review of the VX Spencer! One day I'll apply for the VX, but it's definitely lower on my list for exactly the reasons you explained concerning the application rules for those who are further along in their credit card journey! Maybe I'll get it in a few years when they change the $300 travel portal credit to only being eligible for flights.

[@SpencerJohnsonOfficial]

You're the man Stan! I feel you though. It's not a mandatory card by any means, but I feel like it can compliment basically anyone's setup pretty well as long as they know what the card is intended for. Them being card account sensitive is super annoying though, that's for sure. But yeah you're right.. in a few years that $300 is gonna be nerfed to the ground I'm sure 🤣

[@MontyTheCardNerd]

Awesome overview of the VX Spencer! Like you, i'm not bullish on the long term outlook for the card. I feel like capital one wanted to make a splash with the card's debut & even expected to nerf it over time. That said, glad both of us have gotten great value from it so far!

[@SpencerJohnsonOfficial]

Thanks so much brotha! I'm definitely planning on squeezing every drop of value from this card that I can, but it's not looking good long term. Next year's 2 year review may look a lot different!

[@wilfredpapaya4739]

Just got approved for this card last night and whew now I can focus on the Savor One later this year. I did get greedy and applied for the Boundless card shortly after and I’m under review. I haven’t done business with Chase before so I’m guessing that’s normal?

[@DaIton-]

Great video Spencer, I thought about the VX as a premium option since the AF to credits seem like a good option compared to the Sapphire Cards or Plat card but I also think that now that they got a bunch of sign ups and have to pay out these credits for all of the new card holders that the benefits of the card will eventually get worst, Do you think it’s worth even looking into C1 as a lender since the point currency isn’t as good as AMEX and Chase and they like to approve more people in the sub prime category

[@SpencerJohnsonOfficial]

Thank you Dalton! I'd say the VX is still a solid option right now and since it has a no annual fee downgrade path that helps a lot. Capital One's miles are actually possibly as value as other lender's currencies as long as you use them with international airline partners, so if that's you, C1 is definitely worth looking into. But on the other hand if you only use your points for something like Hyatt, then their cards make a lot less more sense imo.

[@Bangpaulxu]

Really great breakdown. Thanks!!! How does cell phone protection work? Like use the card to buy the phone and not get like Apple care if I buy an iPhone? Sorry silly question.

[@Campos2011]

According to their website “Protect your cellphone every time you pay your bill with your Venture X card”. I was going to do that with AT&T, but to autopay bill with CC it’s an extra $10 for 2 lines so I just autopay from checking. I guess $5/mo isn’t much to have insurance.

[@Bangpaulxu]

@@Campos2011 thanks for your information.

[@SpencerJohnsonOfficial]

Thank you so much! I personally don't pay for any insurance, particularly through AT&T because I get it covered with the VX. To my understanding, Apple Care is a bit different and helps you in other ways, but the insurance provided by this card is more associated with theft, damage, etc.

[@beastoftheeast8676]

One thing holding me back on getting this card compared to chase or amex is the customer service. So many people online saying they had to fight with customer support for their credits and some had wrong bookings.

[@SpencerJohnsonOfficial]

That's very interesting! I had a great experience with the Venture X customer service line as I mentioned here, but I hear that with their other cards the CS sucks.

[@sir_cartier112]

Got approved for my capital one Venture X yesterday. Honestly didn't think I would get approved as I am still a college student, however I have had both the quicksilver and the platinum for a couple years now, so I think that really helped. Credit score was about a 730 at the time of approval. Very very grateful to have gotten approved and so glad I chose the plat and QS as my first two cards, as I am not sure I would've gotten approved had I not had good history with C1

[@kamkarter8821]

I am still more leaning to the Amex platinum. I am surprised you do not have that card in your rotation. New subbie so I may have missed it if you did. Great in-depth video.

[@mukeedcoforstuff]

I got approved on savor one a few days ago. I already had platinum and venture x so the 2 cards rule is not true in my case

[@SpencerJohnsonOfficial]

Thank you for sharing your data points! Definitely seems like the 2 card limit really only applies to their starter branded cards.

[@ditcher33]

Great video! I can't confirm the 2 card rule. I have 4. It helps if you have a five figure savings account with them

[@SpencerJohnsonOfficial]

Thanks so much! I appreciate you sharing your data points as well!

[@rickygonzalez8737]

I got approved last year during the 90k bonus and I’m very far into the credit game. I have a ton of cards in my portfolio and was still approved. I’m guessing they have relaxed it from only getting it early in credit card game.

[@mytrung]

I had the venture x for the past year too and have already met my required spending. Thinking about purchasing a ton of stuff for my home coming up soon. Should I also get the Amex gold and then plat to snag points for those categories as well?

[@red2977]

I just skimmed this video but having this card for a few years I see some good advice here. Be aware with the travel credit you want to check the price through the airline or hotel website first because sometimes cap 1 drastically inflates the price. This isn't always the case but something to look out for. Yes transfer partners are limited but i've managed to make it work for international travel where I consolidate my miles with specific airlines. Is it ideal? No but I manage to come out ahead. The lounge access is nice for the AF. Great advice about watching out for nerfs but for now it makes sense to me especially since I'm likely to ditch my amex plat next year.

[@shawn.credit]

Excellent that you’re getting solid value from the Venture X! I just grabbed the Amex Platinum card, I’m not in Chase or C1 approval range for quite some time due to a busy past 2 years. C1 will most likely never approve me due to a ridiculous profile size ha, Amex Platinum has some solid travel perks I’m looking forward to experiencing elite travel and hotel status! ✊

[@docsays]

- wow congrats man! Its the ultimate travel card. Im still torn between which premium travel card i want to get: AmEx Biz platinum Chase Sapphire Reserve Capital 1 Venture X 🤷🏻‍♂️

[@shawn.credit]

@@docsaysThanks! All three of those are excellent options tough decision look forward to seeing which you choose! ✊

[@SpencerJohnsonOfficial]

With your setup I'm sure the VX is gonna be really tough to get, but who knows! The Platinum card is obviously extremely solid and I'm excited to hear about how much value you get from it man!

[@shawn.credit]

@@SpencerJohnsonOfficialThanks man, I hope to bring in some value with it once I start traveling a bit I’m also excited to experience the Centurion lounges! ✊

[@Scott-td4fd]

@@SpencerJohnsonOfficial I like the Platinum card for its travel benefits (which I just cover at over $700 with their coupon benefits) alongside the Capital One duo, though I do not use the Amex ecosystem. I do have a lot of SUB driven MR points to use from having the Gold (now closed) and then the Platinum, but for now am staying with the Capital One duo ecosystem. Nerfing is possible, though I do think they have improved the portal a lot. I do have a Freedom Flex and Custom Cash cash-back card, so my foot is in the door with Chase and Citi should I change my mind. Just adding a Sapphire Preferred and a Strata Premier would get those rolling even if I didn't want to do a full trifecta.

[@seifer918]

Thanks for the info. Good to have a prospective for the future of this card as well. I am not sure if I agree with your numbers at 13:50. Your points are valued at $150 or $300 through travel partners, with an extra 2nd-year benefit of 10000 points. You missed the $300 travel credit, which put this as +$300 value in the second year.

[@nicksmith8141]

On the fence with this card in my first year, but will likely keep for year 2 unless they up the fee. Pro: 1) easy to redeem points for travel. 2) easy to recoup the annual fee 3) 2% cb adds up fairly quickly and is good for a lot of purchases where I would get 1% on other cards CONs: 1) Portal is not useful for flights in my experience and is OK for hotels. Often not worth the cost or hassle of trying to price match 2) Most of the extra benefits are completely useless for me like the cell phone coverage. (Pay $40/ mo more if I use a CC with Verizon), no lounges in my nearest city etc.

[@SpencerJohnsonOfficial]

Thanks for sharing your experience with this card brotha! That's super helpful for folks. It's hard to cancel this card when you're getting positive value, but there are likely other cards out there better for a lot of us, so I can see why you're questioning what to do. I'm looking forward to hearing what you decide!

[@naparqalria]

3 months after opening the savor one card, I checked my prequalify status and it said I’m not qualified. I checked again recently at 6 months and now I am prequalified for venture x.

[@SpencerJohnsonOfficial]

That's great to know!! It sounds like holding off on other card apps for at least 6 months helps approval odds a lot.

[@mrcrazyvid1]

I had 17 credit cards when I applied, and luckily I was approved for the venture X. Im still debating if I want to keep the card open after 1 year...

[@vinceal-sherifi1083]

Thank you for making this video, guy. So in my opinion, I think one of their best transfer partners is Turkish Airlines. I flew with them last year and I can definitely see them becoming a major player in the near future. Theoretically, if you had the available points, you could just transfer them to your Miles and Smiles account, use them to get whatever seat, and then use the travel credit to offset the taxes and fees, right?

[@odomnou3073]

what is the difference between restaurant and spa priority pass to the regular priority pass?

[@calebalcorta]

Any tips to get approved for this card? Haven't been able to get pre-approved by Capital One - too many new cards.

[@SpencerJohnsonOfficial]

That's the really annoying thing about this card unfortunately. The best you can do is hold off on applying for cards for a while (6-12 months or so) and if you're still not getting preapproved you can either try and go for it still or move on to other cards. They're strict about people having too many card accounts and unfortunately there's not much we can do to get around it 😕

[@sjg6158]

As long you can make the card net netural in terms of fees, it's not bad. Again, it's person by person though to see if it really treads water.

[@SpencerJohnsonOfficial]

Agreed! That really goes for any card at the end of the day.

[@rmknicks]

I'm finding that the VX and the CSR play well together.Nice video!

[@SpencerJohnsonOfficial]

They definitely do! As long as you value Capital One miles highly, that's a killer combo. Thanks for being here as always!

[@wanderingdoc5075]

Got it 2 years ago during the 100K offer. No brainer card. Still use my CSR and AR way more though.

[@SpencerJohnsonOfficial]

That's huge! I'm glad you're still getting good value from it too. The CSR and AR are likely gonna be 2 of my end game cards as well so it's good to hear you're using those a lot still.

[@pappy924]

I have 3 cap 1 cards. OG quick silver but I got VX and S1 both in the last 4 months

[@SpencerJohnsonOfficial]

Thank you for sharing your data points! Definitely seems like the 2 card limit really only applies to their starter branded cards and that 1/6 rule has been relaxed as well.

[@pappy924]

@@SpencerJohnsonOfficial No problem, I love data. Just another point that may have to do with my 2/4 was that the VX has a 30k limit and the s1 4 months later only has 5k even lower than my original quick silver from years back. I’ve been happy with the VX I got a good redemption on my pts and the duo captures my spend well. While I generally don’t like using portals, cap 1 is competitive and did give me a credit for a flight I found cheaper on Google flights. Plus it actually includes allegiant which has some great domestic cheapy flights from my airport. Made the 300 credit easy to use.

[@bigk3588]

Unfortunately my experience trying book flights, the choices on the travel portal are limited. Many flights are unavailable. My search was for full retail First Class ticket not some basic economy ticket. I had to book my flight through the airline. I was able to apply miles to pay for the charge. However I was not able to use the annual travel credit or get the 5x miles. Since I have had the card they nerfed the priority pass, the travel credit and will soon do away with the hertz status. Having only a portion of flight options is a HUGE disappointment. Capital One customer service says there will always be some flights unavailable on there portal ( i.e. the better options). Very disappointing.

[@ksbma]

Is the venture X considered a charge card?

[@axl2u2000]

I have 2 credit cards with capital one the quicksilver and the Walmart rewards card plus my car is financed with capital one as well. I applied for the venture X yesterday and got approved with a 5 digit limit. I don’t think it was hard to get at all

[@alanpelton2598]

This was my 3rd personal CC with Capital One!

[@SpencerJohnsonOfficial]

Awesome, thank you for sharing your data points! Definitely seems like the 2 card limit really only applies to their starter branded cards.

[@gibranespinoza6603]

I got the $100K offer when this card launched and really liked it for year 1. However, once the PP restaurant perk was removed, I then decided to downgrade it to the VentureOne as the airports I fly out of have PP restaurants. Now losing Hertz is just another blow.

[@VincentPascual]

If you downgrade from Venture X to VentureOne, do you still keep your CapitalOne miles?

[@gibranespinoza6603]

@@VincentPascual Yup, miles are miles.

[@SpencerJohnsonOfficial]

Well that's great you were able to lock in that offer! It's definitely sad to see them constantly removing benefits and I don't blame you for downgrading. I may follow suit one day!

[@macheezm0]

I have the Venture X as my main premium travel card since I travel like 1-2 times a year. My favorite thing about this card is having free Authorized Users. I just make my partner an authorized user and have her put all her spend on this card when I’m not with her and so she doesn’t have to juggle multiple cards like I do. I paired up this with the US Bank Altitude Reserve for 3x on Supermarkets and Costco on Mobile Wallets only so I don’t carry it. Now I’m trying to figure out what to pair the Venture X with for dining along with my spending habits.

[@SpencerJohnsonOfficial]

That free AU perk is HUGE! I hope they don't take this away, but I assume they will at some point sadly. We'll see though! I definitely want the USBAR myself one day.. I should maybe add that one to my roadmap 👀 As for pairing the VX with something, the Savor One is the most logical one to add in my opinion, but that's up to you of course.

[@todaywelearned]

The cash back doesn’t actually seem that bad on an ongoing basis. Sure, it’s only 0.5 cents per point, but because they give you 2x points on basically every purchase, it’s actually pretty similar to a card with 1 cent per point where you earn 1x points on your spend.

[@__tebane7]

Hi Spencer! How many credit card inquiries did you have before getting approved for the VX? I really want to get it but I’m afraid I’ll get denied since I’ve had about 8 new card in the past two years. Any tips on the best way to get a for sure approval?

[@SpencerJohnsonOfficial]

I believe I talked a lot more about that in my watch me apply/unboxing videos! I've seen people in the comments section saying that after waiting 6 months between card apps they've been able to get the VX, but that isn't necessarily the case for everyone.

[@balloonpark]

2 card rule, I had the Venture One no annual fee card and the VentureX. I applied for the Savor one and was approved.

[@SittingBullStudios]

Got the venture x three months to the day after getting the savor one, already had the quicksilver

[@mattcvideo9407]

I got the Venture X a few months ago, and I'm considering possibly downgrading to the regular Venture next year. The transfer partners are not great for domestic travel, crowded lounges are a bit overrated, and, like you said, they will probably continue to remove benefits.

[@texroy1644]

No direct xfer partners but you can use Avianca Lifemiles to bag United flights and other Skyteam partners for Delta. I've saved over $800 on short notice flights using Avianca to get to my destination and I bit the bullet on my return trip for me and my wife. I think transferring points directly to domestic airlines for domestic economy travel is a poor use of points. If your domestic travel have no recurring pattern then it is always a challenge to obtain transfer or award value. It's easy to find award on Avianca for travel to and from United hubs.

[@SpencerJohnsonOfficial]

I completely get that! You could always downgrade all the way to the VentureOne if you want no annual fee, but I'd compare the benefits. I think the card will be worth it for the rest of this year, but 2025 may be a different story.

[@JohnDBarcaFan]

In my opinion, their transfer partners are on par with Amex. Airline alliance booking for domestic flights is so much more superior than direct booking. You can book flights anywhere in US for 7500 points via Turkish miles smiles, or whatever it’s called lol

[@achow617]

Do you know is the Capital One "6 months" rule counted on the day of card approval or 6 billing cycles? I applied Savor One on 9/9/23, can I apply Venture X on or after 3/9/2024 or even after the billing cycle ends early April?

[@SpencerJohnsonOfficial]

As we've seen with a lot of data points in the comments section, it doesn't seem like the 1/6 rule is as applicable these days as it used to be. I'd check that preapproval tool earlier than the 6 month mark and see if you're able to get through!

[@JakeVanderPloeg]

Want this card but have to patiently wait. Videos like this make me want the card more😭 Thanks Spencer

[@SpencerJohnsonOfficial]

It seems like most people who wait 6 months between card apps are able to get it just fine, so maybe that's the ticket! Of course YMMV though. Thanks for watching as always Jake!

[@JakeVanderPloeg]

@@SpencerJohnsonOfficial I think I can’t get it yet because my average age of accounts is still very low at around 2yrs. Ive been checking that dang pre approval tool twice a week for like 9 months now😭

[@SpencerJohnsonOfficial]

My average age of accounts was probably that or lower when I applied so I imagine you have a better chance than you'd think. However if the preapproval tool isn't saying so then that's really annoying. @@JakeVanderPloeg

[@winduncan9818]

I love this card, $395 a year and I get a $300 travel credit + 10,000 ($100) points. It's basically free lounge access after the first year. The negative is I recently had to spend 4 HOURS on the phone with Capital One travel when I had a problem with a flight. In the future I'll just burn the credit and book everything else directly with the airline.

[@chadpennycuff]

My first 3 car rentals through C1 portal - they smoked Costco Travel and Hertz was a great deal. In booking this summer, the rental rates have risen and their pre-paid rentals are more than Costco's pay at pick up rentals. Right now, I can use C1 miles as 1 CPP travel eraser on things not bookable in a portal like Disney Cruise Line, but it looks like USBAR smokes the VX with 3x on travel and mobile wallet with a 1.5x redemption rate. We shall see. I don't mind keeping it if I can get a reasonably good deal on portal travel 1x a year and use the renewal points.

[@SpencerJohnsonOfficial]

Thanks for sharing your experience so far Chad! I think the USBAR is severely underrated and is one I'm definitely going to consider myself one day. While the VX is solid for the right person, it's not necessarily a big value add for everyone!

[@JoshKoch]

Hey I don't think the two card limit is a thing. I have 3 personal cards.

[@VegasMatt25]

how much did you spend last year to get the 19K points?

[@BoywithLoveeee]

The main thing that stops me from getting this is you only get the 10x and 5x points through their portal and not booking directly to an airline or hotel.

[@mehmd1913]

In general, I am surprised that the CC companies don't give you more incentive to use their travel portal. It seems counterintuitive. Why have the portal if you end up booking travel through their travel partners instead? All the companies do this. I'd rather book through their portal, but I want incentive... They should match any point incentive that the travel partners offer...

[@MrWhatsHappenin]

I've had the VX for a while now and im looking to book an extended vacation with Wyndham Grand and the VX and Wyndham Earner+ combo is really solid, pair that with a SavorOne and if you stay at Wyndham alot its a super simple trifecta to start up with around 450 in AFs

[@SpencerJohnsonOfficial]

That's great to hear someone's getting use of their hotel partners! It sounds like the C1 duo makes a ton of sense for you right now which is awesome. I hope it continues to do so!

[@Cryptid71]

All due respect the transfer partners are not limited if you're someone who travels overseas anywhere from one to three times a year Capital One is by far the way to go. Especially if you travel to Asia. So I think it depends on the person but in all honesty why on earth would you be racking up miles to travel domestically anyways

[@DoremonUCR]

Love these deep dive and longer videos.

[@SpencerJohnsonOfficial]

That's great to hear!! Got another one coming out this weekend too 👀

[@Kandid4]

I have 3 Capital One cards, the Quicksilver (my first card), I can't even remember what year I got it. I've gotten the SavorOne and Venture X within the last 3 years.

[@SpencerJohnsonOfficial]

Awesome, thank you for sharing your data points! Definitely seems like the 2 card limit really only applies to their starter branded cards.

[@nickm2043]

Do you plan on making a video about the eight dollar fee rule with credit cards that just got finalized…….

[@SpencerJohnsonOfficial]

Not a full video most likely, but it's an interesting topic! I honestly don't think it's a good thing for the cc community though. Late fees are something none of us should worry about since we'll always pay our cards off on time and in full, but these companies losing out on the profits of those fees means they'll be passed down to us in other ways I'm afraid.

[@headlibrarian1996]

If my local airports had PP or C1 lounges 😢 this would be a great card. Restricting the travel credit to the portal really stinks, no earning elite status with that. Maybe C1 could work to make it an approved agent so you did? I fear Chase and Amex will copy that credit restriction in their inevitable nerfs, possibly in lieu of fee increases.

[@SpencerJohnsonOfficial]

That would be awesome to have a C1 lounge in your home airport. That makes the card a lot more valuable. I do hate that they restrict you to the portal also. Hopefully the other lenders don't follow suit!!

[@scottstempmail9045]

Is/are there compelling reasons to choose this card over the AMEX Platinum? This seems like a low budget hack.

[@winduncan9818]

300 dollar credit + 10,000 ($100) renewal points, it's basically easy free airport lounges after the first year which will cost you $95. Where AMEX coupon book style card is hard to get $650 of value if you don't use the services. So you can get lounge access for yourself, guests traveling with you + add a family member who can do the same for basically free after year one.

[@MSLLP]

I can’t get approved for it - I really don’t know why…😢 everything is superior in terms of requisites.

[@SpencerJohnsonOfficial]

Unfortunately if everything looks too good they won't approve you. That DEFINITELY doesn't mean to make your requisites look worse haha, but unfortunately it seems C1 is super sensitive to recent inquiries and number of card accounts. So the more cards you have, the harder to get approved sadly. You can always keep trying that preapproval tool every few months and hold off on other card apps though!

[@jonathanlopez3315]

I have the capital one Quicksilver Savor Venture one Walmart

[@LouThaEnergy]

Cancel them

[@SpencerJohnsonOfficial]

Dang you got quite a few C1 cards! It looks like that 2 card rule definitely only applies to their starter cards and not their prime/cobranded cards. Thanks for the DP!

[@FreedomFinanceFun]

Can you get both venture cards if already have the x?

[@SpencerJohnsonOfficial]

From what I've read, yes you can! It may not make a ton of sense to have both considering benefits can overlap, but it seems to be possible!

[@Milkinporsche]

Never really want the venture x because its rewards are too portal heavy. Plus, they are not gonna like me😂.

[@SpencerJohnsonOfficial]

Them being portal heavy is definitely annoying at times. However, one small trip a year through the portal doesn't bother me personally, so that's why I'm still happy to keep it open. Them being card account sensitive is definitely annoying though, so I feel you on that. There are plenty of other great cards out there too though!

[@tooeasy4217]

Just do the marry go round match with car rental companies. Easy to keep status.

[@SpencerJohnsonOfficial]

Definitely important to do that before they remove Hertz PC status. However, when it's time to renew status with the ones you've matched with, you wouldn't be able to anymore which is annoying. I'm not super familiar with how all that works yet, but I'll have to make videos about it as I learn more!

[@tooeasy4217]

@SpencerJohnsonOfficial you just have to time it. Don't just do 1 company do all of em lol. That way you can do it to the ones you DO want.

[@harshitgupta7740]

Yeah! I think they're going to bring it down to Amex Platinum level once they gain enough customers and then it may not be worth it anymore for those non-elite members and they might end up canceling or downgrading their cards.

[@Ng-cq4wq]

If the credit that cover the memberships fees are removed I see no point of keeping this card open

[@SpencerJohnsonOfficial]

I get that for sure! We'll see how they continue to nerf it over time, but hopefully it still remains a viable option.

[@iAmBrah]

its definitely 90 days instead of 6 months nowadays

[@SpencerJohnsonOfficial]

That's what a lot of DPs seem to corroborate! That's good news for sure.

[@Jorgie1944]

How old are you?

[@Flyin5013]

I’m torn I really like the earning multipliers on venture x and savor one. I also like the chase travel partners as I plan to book a couple domestic trips in the next few years. But man I’m about to say f it and go with Amex plat and gold 😂

[@SpencerJohnsonOfficial]

I can definitely see where you're coming from. Personally I'd go with whichever one fits your travel habits best. For example, Chase's multipliers aren't the best, but their partners are basically perfect for me so if I only had to choose one lender I'd go with them. But that may not be the case for you and another makes more sense. Also gotta consider the effective annual fees of each card and that can really steer you in the right direction.

[@Flyin5013]

@NewJitsu92 seems like the way to go😂😂

[@Flyin5013]

@@SpencerJohnsonOfficial appreciate the feedback. I think i figured out my plan just gotta stick to it and trust the process.

[@Jiggy609]

Card will forever be overrated for locking you into a portal. Not worth the risk when flights get moved and hotels are overbooked

[@SpencerJohnsonOfficial]

That's definitely one way to look at it! I appreciate this perspective.

[@jwil4286]

Having Turkish airlines as a transfer partner is good for this card. 7.5k for domestic economy one way? That’s insane!

[@torrencesorrell5441]

Unfortunately they recently devalued to 10k one-way now domestically 😩

[@SpencerJohnsonOfficial]

I've heard so many good things about that transfer. I need to do those myself and make a video about it! Thanks for the reminder!

[@jwil4286]

@@torrencesorrell5441 eh, still pretty good

[@fredkim01]

I have 10+ cards with 800 credit score and was approved for the card. Of course, i dont owe anything on any of those 10 cards

[@midgethobbit5243]

no one asked

[@rabadiking]

I have 4 capital one personal cards

[@scottstempmail9045]

I believe Chase has dropped the PP restaurant access.

[@JB-pk1jx]

The capital one travel portal is trash. 90% of the time the price is inflated compared to prices on google.

[@SpencerJohnsonOfficial]

It's always important to cross reference that! I haven't seem the same to be true and they also have a price matching tool, so it may be checking out again.

[@minifunkable]

99% it is worth it unless you are in circles with c.c. game.

[@SpencerJohnsonOfficial]

I'm not sure I fully follow, but it's definitely a great card for the right person right now! I wouldn't say it's good for 99% of people, but if it's in line with your goals it can be really powerful.

[@scottshapiro2795]

I think you can get value out of this card if you don't value hotel partners, or domestic flights. If you value those, you're probably better off with Chase or Amex. Right now, I get lots of value out of this card (wife and I are actually going to Hawaii with points this week Turkish->United). IAD is our home airport, so we can use the Capital One lounge. My wife also travels for work, so it's convenient I can get her lounge access. BUT, as you say, I've been watching with worry about the constant devaluation of the card. I think it's only been out 2-3 years and we've seen a lot of devaluation. While taken separately, they aren't the end of the world, but it's a death by a thousand cuts. I expect the authorized users to go away in a year or two unfortunately.

[@VincentPascual]

If they take away free authorized users, then I’d consider downgrading my Venture X to a VentureOne.

[@SpencerJohnsonOfficial]

You summed up my thoughts on this card really well here! You're definitely in an ideal spot right now where you're able to get a ton of value from this card and hopefully they don't continue to nerf it, but that seems to be the direction they're going. Time will tell though!

[@marra531]

Thorough

[@SOXGATORS]

😊

[@SpencerJohnsonOfficial]

You're awesome! 🥈

[@caribdude8151]

👍

[@SpencerJohnsonOfficial]

🫡

[@i.victorian1266]

Odin!!

[@SpencerJohnsonOfficial]

Haha he says hi!

[@vijayanbalasubramanian8837]

You should have called 2 miles about the card instead of 2 cents 😂😂

[@SpencerJohnsonOfficial]

Hahah you're right about that! Maybe next time I'll remember 🤣

[@Jonathan_Youngs]

First.

[@SpencerJohnsonOfficial]

Thanks for being here so early Jonathan! 🥉

[@Jonathan_Youngs]

@@SpencerJohnsonOfficialyou’re welcome! Congratulations on having this card for over a year too Spencer! This is one of the most popular cards on the market especially if you have the SavorOne for the Cap.1 Duo

[@isao_the_2nd]

@@SpencerJohnsonOfficial will the venture x partner up with another rental car company after they part ways with hertz next year?

[@AhmadKhwajazada]

First

[@SpencerJohnsonOfficial]

What a race! Nice work brotha 👑

[@j.r.1426]

When capital one takeover discover they will pull all 3-credit agency as well

[@SpencerJohnsonOfficial]

They currently pull all 3, but I wonder what'll happen when people apply for Discover cards. I guess time will tell!