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37 comments
The first 1,000 to purchase a Starter Set will get a FREE body wash to try – just go to https://harrys.com/asksebby
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Amen if anyone adds more lounges to ORD
U.S. Bank was recently caught and is currently being fined for doing the same thing Wells Fargo did going on for over a decade but for some reason, YouTubers nor the mass media is talking about it…
Only one YouTuber I've seen so far has covered it which is how I found out:
https://youtu.be/_T6X-trIGTA?t=415
I guess the story isn't "sensational" enough for the media to care.
So It's ok when U.S. Bank defrauds their customers but not when Wells Fargo does it? 🤷😒
I'm locked out of Chase at the moment, so I can't get their cards either way… lol! However, I have the Venture X. Honestly if Capital One just does the same thing with their portal.. IE: Venture One redemptions are 1cpp and Venture is 1.25cpp, and Venture X is 1.5cpp, they will destroy the CSR. That's the only thing Chase has going for them right now. Sebby, do you think Capital One can make this change next? Like how much would it affect their bottom line?
Got the Venture X when it first came out almost a year ago and couldn't be happier! The card pays for itself + the Hertz President's circle lets you match over to the other rental car companies too. The addition of Virgin as a travel partner is also big, opening the doors to sweet spots like ANA.
Downgraded my CSR to CSP early this year and got the Venture X. It was a great decision!
Please add lounges into Chicago.
I’m desperate for them.
Thanks for the update Sebby, I’m excited to explore some of the museums with the new perk
I’ve used the cultivist membership once at SF MOMA. Very easy to use
Perhaps they should think about temporary hotel status. Say increase it by one level for a month. That way it would build with not compete with the hotel cards.
Good video Sebby. Maybe consider dialing back some of the "tech speak"? Not very relatable for the bus driver from Nebraska. 🤷🏻♂️
I mainly am focused on AMEX (Platinum + Gold setup) but I also have a Venture X and a CSP. As you mentioned in this and prior videos, the Venture X is a no brainer if you take one trip a year (I even applied it through card match on your site). $300 travel credit, Priority Pass, and we'll see what Hertz Presidential Circle does in a month or two when I use it 🙂
CSP is great for like doordash and I enjoyed the Peloton credits back when that was still a thing. Still mulling a upgrade to the CSR, but harder case to make with the Venture X
The cultivist offer – is it good for authorized user too?
I also would like to apply for this card, but since their requirements so high, im afraid to get hard inquiry, so my credit is score 770 and my cards are,
Bofa cash reward, Discover it, Citi custom cash and double cash and Chase freedom flex, do i have any chance to get approved, or is it early?
I never got the Chase Sapphire Reserve (CSR), but got the Chase Sapphire Preferred and all the other chase cards- (IHG, Hyatt, United, Flex, Freedom). I am thinking of trying out Venture X. I didn't get it last year because I wasn't travelling much. Definitely worth a try. If I like it, then I might drop the CSP and Chase Hyatt card. I like the new IHG card with the point multipliers on every day spend (similar to Hilton Aspire, but less expensive)
AmexP + BILT is better.
Max hotel, airline partner transfers.
Venture X will not last in its current form so Chase is just gonna wait them out. It's too overpowered with its low $400 AF. The more likely scenario is that Capital One devalues its portal redemptions and people get disenchanted with VX. The few credits Chase is adding is for the sake of optics. They love the happy middle ground of their multipliers: not as good as Amex Gold but slightly better than 2%.
Got the Venture X last month and I'm now waiting for my CSR annual fee to come to see if I can get a retention bonus. If not, I'll be downgrading it as I don't see much value. Having to pay for 3 of my AU cost money and they don't travel much and not much additional benefit like AMEX Plat that gives them credit for Global Entry or TSA.
As of right now, the Capital One Venture X is just more bang for your buck. But if the CSR implemented some of the ideas you mentioned, specifically hotel or airline status, that would make it much more competitive in my opinion. Great work man!
Anyone know if AUs for Venture X get 6 month Cultivist too, or is it just for primary card holder?
So I've had CSR for 3 years and got VX in December. Currently planning on asking for retention offer and if none available, downgrading to CSP after using travel credit within 30 days of AF.
Grabbed te Venture X early in the year, when the 100k bonus was active. With the miles added, I booked an International trip for practically 60% less than the ticket price. Used the annual travel credit already, and Capital One Shopping extention saved me much money on regular buys online. I can actually save 11% booking on Vrbo using the extention, instead of the travel portal for a hotel. I don't plan on getting another card for many years, but I love this as my Primary.
If you want to beat the market or become a millionaire, the first thing you need to do is , to get financial education. a fellow creator;';'';;'
HEY SEBBY. HAVE YOU OR ANYONE IN THIS COMMENT SECTION EVER FIND REPLACEMENT FOR AMAZON ALLOWANCES IN ORDER TO KEEP CARDS ACTIVE AUTOMATICALLY?
The multiplier argument you make is pretty weak. When you compare net fees between the VX and CSR and assuming a modest 1.5CPP value, you’d need to spend $5K on dining to make the CSR worth it. Bump that up to 2CPP and you’re still at 3K. All this is assuming you value DoorDash and GoPuff credits at 100%. That’s not most people, especially when GoPuff’s footprint is still pretty small. Overall the CSR sits firmly in 3rd place right now behind the Platinum and VX, with the VX being the every man’s card and the Platinum being for frequent travelers, lounge junkies, or for those that don’t have PP lounges where they fly
I just love the fact they teamed with hopper
How was the flight? I’m going to Maldieves on Friday and I’m dreading the flight.
My CSR is coming up for renewal, wats a good retention credit I can ask for
Immediately after I mentioned DFW airport, my manager said he opened Venture X, and wanted to try out the Capital One Lounge.
It seems like the CSR is really starting to fall behind and I hope the offer improve. That said, I have the CSR for a year now and the 3X bonus on dining along with 1.5 PYB is pretty great and I am getting paid to keep the card. Not sure if I will keep it but lounges, airline partners marriot gold without needing to boom within a 3 month window. They are right on the edge of staying a great card, but failng and priority pass isn't a great lounge and is pretty much only in international terminals which is great when I travel internationally, but a real bummer the other half the time
What’s the new perk?
Sebby do you even have facial hair? 😂😂😂🙈
I have capital one checking account and credit card but the didn’t approve me venture one x
PREACH!! More lounges at ORD that aren’t big 3 lounges. I’ve been hoping that when they’re done with their terminal 5 and 2 remodels that they add a centurion and capital one lounge. Praying to the travel gods lol
With chase not being as competitive lately. Is Amex, citi, or capital the best option to build out in 2022
Sapphire reserved needs a 3x grocery caterogy.
Venture X + CSP for Southwest and Hyatt is the way to go for me!