Currently have 3 CAP1 cards (Secured, Quiksliver, and SavorOne). The secured graduated and gave me the Quiksilver, while I applied and got approved for the SavorOne.
I use credit primarily for emergency. Since I don't let balance go much past 1,000. Capitol one slashed my credit in half for zero reason. I really despise the banking system. So for me the best credit card to have is not to have one. I'm glad the bank industry has the backing of the American people whenever THEM need bailed out.. capitol one, to me, jus nudda pimp
The Savor One and Venture X are Capital One's saving graces in my opinion. They aren't my favorite lender, but I'm a big fan of my VX so far. They do have some sleepers in here too, so great work on pointing those out!!
That's the primary issue with Capital One is they just suck as an overall institution. I started my credit rebuild with the Capital One Platinum Card. This was the beginning of a sad relationship. No matter what I did they never raised the $500 limit. I tried everything even opening a bank account and that failed too. I just can't see myself ever coming back to them, as horrendous to deal with.
I had the same issue... A $500 credit limit that was stuck there for 3 years. I ended up opening a Quicksilver card and they gave me a $1000 limit and they increased it to $5500 without me asking.. Then out of nowhere, they increased my Platinum $500 card to $5500 to match my QS 😂
Just an fyi, capital one updated their terms and agreement for their price matching guarantee. You’ll now get Capital one travel credits rather than statement credit as your refund difference. This means that the credits can only be used for your future bookings on capital one travel portal. It’ll be an endless cycle of travel credits whenever you price match which is very unfortunate. But hey, at least they price match compare to Chase and Amex.
Had the venture X since it came out (got the 100k SUB) and I love it for an all round travel card. The benefits and the points system is hard to beat. Currently dont have the savor one yet but getting the 3x back on dining on my sapphire preferred. Venture X is my most recommended travel card! Great info man!
@@KevinYang I started with the venture one years ago and I’ve considered asking for a product change to the savor one since i dont use the venture one and it’d keep me at 4/24 but i want to wait a little bit and try to get the little SUB savor one offers once i go over 5/24 at some point. Decisions decisions. 😂
Great video; very informative! I currently have the Venture X, and thinking about adding the Savor One for a travel setup. At what point do you think getting miles is worth more than getting a slightly higher percent cash back? For instance, getting 5% cash back on grocery versus using Citi Custom Cash versus 3% miles with Capital One duo?
Not sure where you read about quicksilver not being convertible to miles. That is just wrong. You can transfer any cash back rewards in C1 to venture miles. I just moved like a dollar of cashback I had in my quicksilver to my Venture X. No problems. Though if you have a Venture X you shouldn't be spending on Quicksilver anyway. It would make a lot more sense for Venture One though
Capital One has absolutely been making some major changes to their ecosystem and honestly the Duo is one of the absolute best Credit Card Setups you can get!
Something to keep in mind with Capital One and referrals: if the person you refer currently has, or has ever had (even if it is cancelled) ANY Capital One credit product, they will *NOT* honor the referral. After 2 hours of extolling the virtues of VentureX to a friend who has for 20+ years refused to get a premium card and immediate approval, Capital One will not honor the referral bonus because she has a Quicksilver sitting in her desk drawer.
Excellent content Kevin! I have the quicksilver, last year I was offered to upgrade to SavorOne but I wasn’t interested, but now that I see that the savorone and the venture x are powerful, I regret not upgrading my quicksilver when I was targeted for an upgrade, I’ll wait till I get targeted for an upgrade, unless you guys know a way to do it without a target offer, thanks
I got SavorOne & Quicksilver I want Venture X I got the Amex Preferred 6% after I finish with that 6,000 I then switch to my SavorOne for 3% groceries etc the rest of the year that’s unlimited No Annual fee
If you already have the Chase Trifecta and you're still below 5/24, is it worth it to jump to Capital One's Dual set up, or wait and finish your 5/24 by acquiring some of the Chase Hotel cards first?
Do any other Chase cards catch your eye? The World of Hyatt card for example? Personally I jumped over to the VX even before hitting 5/24 (and I'm still well below it)!
Great video! The entertainment category, does that include buying any sports and concert tickets, or does it have to be in their entertainment portal. I go to a lot of sporting events and concerts. Thank you for any info...
Actually, i tried to see if i could once, but i was able to convert my cash reward into miles from my quicksilver. Weird thing is that you have to do it on a desktop browser since that option wasnt available on the mobile app.
For credit above 740, is there a general recommendation about how long someone should wait after getting a new card and before applying for another card in the same ecosystem? I just got the Savorone and I want the VX.
I currently have the Chase trifecta. I’ve been eyeing the VX as I only have the CSP and really want to take advantage of the credits and premium benefits the VX offers. Pairing it up with the Savor One might be the move this year. I’m not ready for AMEX quite yet. Which one should I apply for first (VX or Savor One); Does it make a difference? Edit (update): got declined for the Savor One lol. I have 9 cards and a 760 score. Not sure why I got declined.
@@saulmartinez6165 You put your "sh*t" out here and then act like a complete jaggoff when someone tries to help. You have not taken care of your own "sh*t" at all.
Not many cards will offer multipliers on utility bills, and you should also double check there aren't fees attached! That said, I would lean towards a 2x everything kind of card (Venture X, Double Cash, etc), or use the amounts to hit minimum spends
Do you have to use a Cap One card to pay on the Cap One portal in order to get the points? I have a Costco Citi card which gives 3% on flights so if I have a Venture x will I be able to get a total of 8% back if I pay iwht the Costco card on the Cap One portal?
Hi Kevin, I have the Venture X. Is it worth it for a player 2 to have venture X as well? My partner is 3/24 at the moment, but I'm over the limit. I'm wondering if it's worth for her to get it, too.
Quick question, I have a Petal1 CC and I received an email sayin they're adding a $8 monthly fee ($96/year) on my account beginning July 1st. Ive been told to never cancel a card. Petal1 is mainly for credit building and I feel like isn't worth the fees, is it okay to cancel? Currently sitting at a 747 credit score and have 5 other CC.
Do you have any Capital One cards? Which ones and why?
More favorite cards: kevinyang.info/credit-cards
Currently have 3 CAP1 cards (Secured, Quiksliver, and SavorOne). The secured graduated and gave me the Quiksilver, while I applied and got approved for the SavorOne.
I use credit primarily for emergency. Since I don't let balance go much past 1,000. Capitol one slashed my credit in half for zero reason. I really despise the banking system. So for me the best credit card to have is not to have one. I'm glad the bank industry has the backing of the American people whenever THEM need bailed out.. capitol one, to me, jus nudda pimp
Venture
Quicksilver
Walmart
Savor
The Savor One and Venture X are Capital One's saving graces in my opinion. They aren't my favorite lender, but I'm a big fan of my VX so far. They do have some sleepers in here too, so great work on pointing those out!!
Hopefully they continue making changes for the better along with their VX!
That's the primary issue with Capital One is they just suck as an overall institution. I started my credit rebuild with the Capital One Platinum Card. This was the beginning of a sad relationship. No matter what I did they never raised the $500 limit. I tried everything even opening a bank account and that failed too. I just can't see myself ever coming back to them, as horrendous to deal with.
I had the same issue... A $500 credit limit that was stuck there for 3 years. I ended up opening a Quicksilver card and they gave me a $1000 limit and they increased it to $5500 without me asking..
Then out of nowhere, they increased my Platinum $500 card to $5500 to match my QS 😂
@@alphafox9162 That sounds like it worked out in the end for you, which is awesome.
Just an fyi, capital one updated their terms and agreement for their price matching guarantee. You’ll now get Capital one travel credits rather than statement credit as your refund difference. This means that the credits can only be used for your future bookings on capital one travel portal. It’ll be an endless cycle of travel credits whenever you price match which is very unfortunate. But hey, at least they price match compare to Chase and Amex.
I want it the Capital One duo, but I can't get approved. So I have the AX Business Gold and the Citi Trifecta. So far working well.
I got approved for the Venture X last weekend, and literally got the card today. Got my eyes on that SavorOne card next 😎
Great content & great editing, production for a small channel. High quality!
Thanks for watching!
Had the venture X since it came out (got the 100k SUB) and I love it for an all round travel card. The benefits and the points system is hard to beat. Currently dont have the savor one yet but getting the 3x back on dining on my sapphire preferred. Venture X is my most recommended travel card! Great info man!
VX + CSP is the same setup I have too, and it's pretty great! The Savor One is a really close competitor though!
@@KevinYang I started with the venture one years ago and I’ve considered asking for a product change to the savor one since i dont use the venture one and it’d keep me at 4/24 but i want to wait a little bit and try to get the little SUB savor one offers once i go over 5/24 at some point. Decisions decisions. 😂
Great video; very informative! I currently have the Venture X, and thinking about adding the Savor One for a travel setup. At what point do you think getting miles is worth more than getting a slightly higher percent cash back? For instance, getting 5% cash back on grocery versus using Citi Custom Cash versus 3% miles with Capital One duo?
Not sure where you read about quicksilver not being convertible to miles. That is just wrong. You can transfer any cash back rewards in C1 to venture miles. I just moved like a dollar of cashback I had in my quicksilver to my Venture X. No problems. Though if you have a Venture X you shouldn't be spending on Quicksilver anyway. It would make a lot more sense for Venture One though
Venture One/Savor One/ Quicksilver is the secret trifecta for no annual fee travel card combo
Nice! Do you have all 3? If only the Quicksilver could transfer to miles too..
Capital One has absolutely been making some major changes to their ecosystem and honestly the Duo is one of the absolute best Credit Card Setups you can get!
Maybe there will be a third card to make the Cap1 Trifecta at some point!
I can transfer cashback from my QS over to miles on my V1
Something to keep in mind with Capital One and referrals: if the person you refer currently has, or has ever had (even if it is cancelled) ANY Capital One credit product, they will *NOT* honor the referral. After 2 hours of extolling the virtues of VentureX to a friend who has for 20+ years refused to get a premium card and immediate approval, Capital One will not honor the referral bonus because she has a Quicksilver sitting in her desk drawer.
Excellent content Kevin! I have the quicksilver, last year I was offered to upgrade to SavorOne but I wasn’t interested, but now that I see that the savorone and the venture x are powerful, I regret not upgrading my quicksilver when I was targeted for an upgrade, I’ll wait till I get targeted for an upgrade, unless you guys know a way to do it without a target offer, thanks
Unfortunately, SavorOne upgrade offers are very rare. I've spoke to a few different reps and they rarely see S1 offers.
I got SavorOne & Quicksilver I want Venture X I got the Amex Preferred 6% after I finish with that 6,000 I then switch to my SavorOne for 3% groceries etc the rest of the year that’s unlimited No Annual fee
If you already have the Chase Trifecta and you're still below 5/24, is it worth it to jump to Capital One's Dual set up, or wait and finish your 5/24 by acquiring some of the Chase Hotel cards first?
Do any other Chase cards catch your eye? The World of Hyatt card for example? Personally I jumped over to the VX even before hitting 5/24 (and I'm still well below it)!
Great video! The entertainment category, does that include buying any sports and concert tickets, or does it have to be in their entertainment portal. I go to a lot of sporting events and concerts. Thank you for any info...
Portal
Actually, i tried to see if i could once, but i was able to convert my cash reward into miles from my quicksilver. Weird thing is that you have to do it on a desktop browser since that option wasnt available on the mobile app.
For credit above 740, is there a general recommendation about how long someone should wait after getting a new card and before applying for another card in the same ecosystem? I just got the Savorone and I want the VX.
Usually 1+ months is okay, but I usually suggest 3+ months for a good pacing
@@KevinYang thanks for the info. I found out Cap1 has some weird rule requirement to wait 6 month between cards. 😩
Just some honest feedback here, I think a new microphone would improve quality of the video
Thanks for the feedback! I have a decent mic boomed above, but there might be too much echo around me.. Any advice?
@@KevinYang yeah I think it was the echo..
@@makemoney6411 Thanks, I'll look for ways to reduce that! Maybe sound blankets or a carpet underneath
I don’t do Uber
Or Uber eats
Or concerts
Or gyms
I just travel with family
Why can’t they make a card for us
I currently have the Chase trifecta. I’ve been eyeing the VX as I only have the CSP and really want to take advantage of the credits and premium benefits the VX offers. Pairing it up with the Savor One might be the move this year. I’m not ready for AMEX quite yet. Which one should I apply for first (VX or Savor One); Does it make a difference?
Edit (update): got declined for the Savor One lol. I have 9 cards and a 760 score. Not sure why I got declined.
Its probably because u have a lot of hard inquiries on your credit bureau take it easy on applying for so many credit cards in a short time frame 🤣🤣
Haven’t applied for one in a whole year bud. Don’t worry about my shit. I already got approved anyways, go laugh at yourself instead
@@saulmartinez6165 You put your "sh*t" out here and then act like a complete jaggoff when someone tries to help. You have not taken care of your own "sh*t" at all.
Which card would you say is best for paying monthly bills?
Not many cards will offer multipliers on utility bills, and you should also double check there aren't fees attached! That said, I would lean towards a 2x everything kind of card (Venture X, Double Cash, etc), or use the amounts to hit minimum spends
@@KevinYangi can I try to apply to venture when no penalty to my credit score right ?
I heard Capital One sucks for domestic transfer and finding flight from the US. Is it true?
It would depend on what kind of airlines and routes you'd be flying most, but it does lean more international
Do you have to use a Cap One card to pay on the Cap One portal in order to get the points? I have a Costco Citi card which gives 3% on flights so if I have a Venture x will I be able to get a total of 8% back if I pay iwht the Costco card on the Cap One portal?
Can player 2 savor cash back be converted to miles with player 1’s VX?
Hi Kevin, I have the Venture X. Is it worth it for a player 2 to have venture X as well?
My partner is 3/24 at the moment, but I'm over the limit. I'm wondering if it's worth for her to get it, too.
If you're able to hit the min spend, there's still a sizeable bonus to be had if they get a card for themself!
For the 10k reward, and 300k credit, can u get as soon u open the card?
The $300 travel credit yes, and every year thereafter. The $100 worth of miles is on your 2nd year and onwards
@@KevinYang Ok thanks. Assuming that I'll use those 300 travel credit and Global entry for 1st year, I'll be breaking even right?
Kevin, do they have the referral bonus? I'm planning to sign up, but looking for mutual benefit between the referral and me
Quick question, I have a Petal1 CC and I received an email sayin they're adding a $8 monthly fee ($96/year) on my account beginning July 1st. Ive been told to never cancel a card. Petal1 is mainly for credit building and I feel like isn't worth the fees, is it okay to cancel? Currently sitting at a 747 credit score and have 5 other CC.
Cancel it. That annual fee is ridiculous
I have the top.tier🔝 capital one quicksilver card. But I'm bout to drop it 💯. No respect, on my name 🤔
This thing of marking year old videos with the current year is not cool and I am blocking this channel because of it. It’s misleading and shady.