I know most of your audience isn't in the military, but for active duty military and their spouses the annual fees for Chase and Amex are waived. It's an awesome benefit, and why I stick with Chase and Amex lol.
This was a really great comprehensive comparison. You mentioned the simplicity of the Venture X... This is really what I like about it. Since I only travel a couple times per year, getting full use out of it will be easiest for me. It would be fantastic if Cap1 opens a lounge in PHL or EWR!
Thanks so much Joshua, appreciate it man! Yeah I think Capital One did a good job with keeping it simple. And I would love to have a Capital One lounge in one or both of those airports! PHL is my home airport so any more lounges would be great
Premium Travel, my frequent travels constantly pulls value out of my Amex platty. It’s just unreal the value that you can get even if you travel just once a quarter!
Thanks for the "Premium Travel" comment Chad! And nice, yeah traveling even once per quarter gives you a chance to really get some good use out of the Platinum card benefits!
Premium travel! These 3 cards have each made a name for themselves in the premium travel space. Overall, I completely agree with your summary of each of the cards. I think of the Amex Platinum as a truly luxury travel card that only makes sense if you travel frequently every year and are going to take advantage of enough credits to cover that annual fee naturally. The Venture X is the best option for most people looking to get started in the world of luxury travel cards in my opinion. The lower AF and ease of use of the credits make it a really solid card and the lounges they're building are an added benefit! The Chase Sapphire Reserve just hasn't distinguished itself enough from the Chase Sapphire Preferred, so I have a hard time recommending it when you can get 80% of the value from a $95 annual fee card instead. At the end of the day, all 3 of these cards provide great value for specific people, and great job breaking all of these down so thoroughly yet succinctly Daniel!
Thanks so much Spencer - and thanks for catching that "Premium Travel" phrase too! Yeah all 3 have good things going for them but you pretty much summed it up right there - I love my Amex Platinum and excited to try out the Venture X soon as well
@@Daniel_Braun Of course man! Always love watching your content. Once I'm applying for personal cards again, the Venture X is one of the ones at the top of my list. By then though, there may be some more premium travel cards out there that rival it (Citi??) so we'll have to see.
The best thing about the venture x is that's its a flat 2x points per dollar regardless of category rather than the lower return of some of the other premium cards. Chase does 3x or 4x on specific categories but when people are honest with themselves it's pretty clear that most people's spend isn't all in those categories. Not to mention if you get the cap on savior or savior one you can get 3-4x back on all those same categories that chase has and than just transfer the points to the venture x for travel booking.
Good comparison. They are all solid cards. For me, it's the Platinum without debate. And I can't give points for Capital One and Chase Lounges that don't exist yet.
Thanks, appreciate the support as always @SledgeIncTeam ! Yeah I'd have to say that the Amex Platinum is my favorite out of these 3 too. And I get it, yeah I'd like to see more lounges for Chase and Capital One before I make a full judgement on how they are
Great breakdown. I might consider valuing the Venture X $300 credit a tiny bit lower since sometimes the same options booked outside of that portal would be cheaper, so you’d have to go with the additional price on portal.
I love my coupon book! 1 month and already save $142 from offers and that doesn't include phone, internet and insurance savings which is about $70 in statement credits so far(This goes into December) >> Auth users get to double up on offer btw. About 5k in Amex points on Rakuten. Did I mention that I get paramount free with the Walmart plus that they pay for (I watch a lot of soccer) and the digital credit pays for my entire HULU bill (with student credit of course). Also I put all my bills on the card invested in MULN and made a 60% profit on the cash I would've spent. At this point I don't even care if I travel and yeah that 125,000 bonus is just sitting there.
Premium travel 😃😃. One day it’ll make sense for me to get one of these cards….I think the VX makes more sense for me but I want that platinum card! When that day comes, I’ll be sure to refer back to this very detailed and thorough comparison. Excellent job 👍🏾
I was considering changing to the Amex Platinum or the Venture X…but after using the Chase Medical coverage for a hospital emergency room visit…I think I may keep the Chase Sapphire Reserve.
Premium Travel. Great video. Currently have the CSP & AmEx Gold, and partner has the AmEx Platinum and CSP. Definitely going to get the Venture X. Will try to wait to see if they offer their initial 100K bonus sometime again within the next year.
Just picked up the Venture X and I love it. Might pair it with the no annual Savor One in the future. With the annual $300 credit from the X it basically pays for itself if you plan to book at least one trip per year 🎉
Premium travel. I just got the platinum card. I think it provides the best overall value as far as pros and cons go. Military folks get the annual fee waived though. That's the best perk. 😂
Yeah I think the guest access really impacts the crowds, especially in the really busy airports at peak times - hopefully the crowds will go down a bit over time!
Thanks for catching that phrase at the end Miguel, I appreciate you watching that far in the video! And thanks for adding that, I haven't been as familiar with that minor detail on Priority Pass so that good to know for when I get the card!
Premium Travel! You covered everything so well in this video. Answered all my questions. I want to force myself to travel a bit more over the next couple years. My partner will get the Amex Gold and I’ll get the Amex Platinum. We both have the CSP right now. Lounge access is huge, and I might downgrade to the gold or get the Venture X in a year or two once they have their lounges more widespread. Thanks again!
I'm considering getting the Venture X as my first premium travel card because, as you said, it does seem like the simplest to use. Plus, having it practically pay for itself is certainly nice!
Same! Although, I've heard Cap1 does a hard pull on each credit bureau... which will be hard for me to come to terms with. Other than that, it seems great to me
Premium Travel !! Thanks for this in depth review Daniel ! You deliver great content on your channel love watching your videos! Currently have the CSP looking at possibly upgrading after year one !
2) Great Video, lots of very useful information. 3) Thanks for the spreadsheet, very helpful. 4) Links to other helpful videos also greatly appreciated!
Not sure if CSR has this, but CSP has a 10% anniversary point bonus. Adds a little bit. Being a spreadsheet man myself, I'd like to see the final numbers assuming an annual spending on purchases you'd already make in various categories and add that value to the annual benefit.
Premium travel! I really like your videos i remember when you were at 20k subs keep it going! Also i wish they had a better trifecta for Amex business blue is tough for those who don’t own a business.
Thanks for the "Premium Travel" comment Michael! And also thanks for watching my channel for so long, haha yeah I can't believe it's doubled from 20k to 40k now - lots of videos planned to keep it going! I agree, I wish Amex had a personal card that earned MR points and maybe had the same 2x points per dollar on everything. That would probably be very well received by a lot of people
I’ve only been on the credit card game for 5 months and already have a chase trifecta unlimited, ink business cash, preserve and a Amex gold my next will be the venture x because I have a family and travel on a budget
I’m so torn on this one. Both my wife and I have the Sapphire Preferred - I’ve been planning on upgrading to the Reserve on my renewal - but now we’re thinking of getting her the Venture X so tha we can all get lounge access - she gets TSA Pre Check - and we can bring our kids to the lounge. i’m the one that travels most for work - but we’re mapping out a big vacation with our Chase points next Summer so lots to think about. But great video/breakdown man
Yeah sounds like you have a lot of reasons to potentially get good value from having more than 1 of these 3 cards! I think you can't go wrong with any of them if you're traveling a lot for both personal and work. Thanks so much for watching, glad you enjoyed the breakdown!
@@DJ-rk6wh Yeah man! We ended up applying - and getting it. It arrived yesterday. Our kids are young - 5 and 8 - but we'll be adding them to this for sure later on.
@@DJ-rk6wh The moment they can be added - we're doing it. I WISH my parents had been able to help me build up my credit from a young age and educate me on how to utilize credit/money properly. That's something I'm hoping to be able to do wit our kids.
Nobody mention the chase sapphire reserve is the only one that provide emergency evacuation up to $100,000 for each person on your trip. for me is very valuable. With that coverage I don’t have to buy nothing extra.
Yeah definitely something that can be a very important thing to consider for some people! Sorry I couldn't get all the other benefits like that into this video - I was already pushing 20 minutes for the duration haha. But thanks for the comment Gabriel, always good to have more info in the comment section for others to see!
Premium travel. One Amex benefit I don’t hear being talked about is the personal credit card credit toward Gold and premium If you already have a corporate business card. I get $100 yearly credit for my AMEX gold 😊
Thanks so much for commenting "Premium Travel" @Niche Magui ! And yeah I agree, that's a great Amex benefit to take advantage of - I mentioned it in this previous video about the Amex Gold: ua-cam.com/video/PMD813FXNmg/v-deo.html
Thanks for the excel sheet, Daniel! I was able to quickly blend some annual fees and credits based on my lifestyle. That was very useful in validating my decision for my upcoming card combo strategy for rewarding some premium travel for the family.
I was denied for the Cap 1 VX so I decided to upgrade my CSP to CSR just in hope that Chase will revamp the CSR in the very near future since there’s so many competitors out there.
Thank you for the video . I have the MS Platinum. My wife and I are at the point in life where we travel about once a month. But I also plan to get the Capital One card it seems like a no-brainer
I upgrade my Venture card to the Venture X back in July 2022 on the phone with a representative. She stated i wont be able to downgrade back to the Venture card but to the VentureOne. Unsure why, but i think it could of been because my original Venture card annual fee was $59.
I appreciate the excel sheet more than you know haha. Love me a good spreadsheet. Do you have that anywhere for download or up for sharing via drive/email? Have any others that I can appreciate and use? :D
I just met the sign up bonus on the vx. But to be honest, I'll be spending all non-bonused categories back to the unlimited. I just transferred 110k UR to Hyatt through my ink preferred and I value 1.5 UR more than 2 cap one miles
Nice! Yeah honestly I agree with you - I value 1.5x on my freedom unlimited more than 2x on venture x on my miscellaneous spending for the exact same reason with point transfers to Hyatt. I'm usually able to easily get around 2 cents per point or more there by doing that! Thanks for watching
In that case would you recommend freedom unlimited versus savior one from capital one? I am trying to decide on chase sapphire versus venture x, but also want another card besides one of those twos. What do you recommend? I like Hyatts as well.
Amex Gold is another great option, less of a travel focused credit card though in terms of it's benefits and features. I like both the Venture X and Amex Gold, but the Venture X is better for travel in my opinion. Thanks for watching until the end to catch that "Premium travel" phrase!
Thanks for your videos - they’re super straightforward and helpful. I’m currently devouring your content as I have to pay > $25k upfront for a cruise I plan to take in 2023, so hoping to pay via various cards to create maximum rewards. It seems to get the most value from Amex/VentureX/Chase, one must book travel through their portals. 3rd party reservations are to be avoided in my book. Have you addressed the pro/cons of booking travel via these 3rd party portals vs direct?
@@DJ-rk6wh Wait till your 65 - you'll be ready for a big European cruise as well. (It is for 2 btw), and includes airfare. Yeah, so trying to strategize cc's to earn points on this splurge.
@@lilafitzgerald4742 that sounds like it's going to be an amazing trip. And if you have to drop 25k all at once then maybe go with the VX. They do 2x points for everything (you'll rack up 125k in points with that one purchase). Sapphire is only 3x point for the first $300 and Platinum is only 1x for everything. But I haven't had an issue with Chase's portal so far and I've done a few flights with them. In preparing for my cruise in January I'm using C1s portal to fly to MIA. And from the looks of it the flights are either on par or cheaper than booking directly with an airline. My only disclaimer is I only will use those portals for flights and nothing else as I'm part of a hotel loyalty program with a different CC. But to me the only big difference with the Reserve and the VX is that you get 50% more value on your points when you use the Chase portal. I guess a big thing to look into is what kind of travel insurances are offered as well. I personally have never had to use them and I hope I never do lol. I don't have an amex so I can't really speak too much on them. I personally did the VX because I only travel 2x a yr and the card will pay for its self without to much thinking on my part.
@@DJ-rk6wh Great thoughts - much appreciated. Prob should have done the VX vs Platinum, but too late now. 3rd party portals are fine unless something goes wrong, then you've got a hurdle between you and help, imo, but 50% more lift may be worth the risk. Yeah, travel insurance is the next investigation. NerdWallet has a decent article on the topic. Thanks again. You should expand (further) into personal finance - you have a good, clear approach.
Hey Daniel, I literally just found your channel last night and have already watched three of videos. Great work. I have the Chase Sapphire Reserve. My wife wants to get the Capital One Venture X. I was wondering, is the Caputal One Venture X card a Visa?
Regarding the Amex platinum authorized user, you said additional annual fee, I know it's $175 for unauthorized user, but is out of one time fee or annual fee?
the CSR gives $5 per month for door dash that you didnt include in the calculation like u did for uber on the amex platinum (and the doordash credit stacks for upto 3 months)
Yeah thanks for pointing it out in the comments. Like I said, I couldn’t include everything in terms of partner benefits just because those change over time and are added or removed as time goes on - but that’s why I made the google sheet file available for download so that anyone can add those in on their own! Thanks for adding that 👍
Premium travel. I have the Chase sapphire preferred and want to get another travel credit that offers lounge access. I have been debating which one to get but don’t know which one to choose.
hate that the Chase Reserve doesn't basically pay for itself unlike the others and that their sign on bonus is the same as the Preferred (unless you consider what would be a gimmick of the .25x difference since using transfer partners anyway)
Thanks for catching that phrase at the end @GoDziLLa714 ! And yeah I'm still planning on swapping out for the Schwab Platinum in the future - probably early next year unless I get some huge retention off on my regular Platinum again
Looking for my first travel card, I know they are not in the same category but I’m debating on the venture x cause I think it’s the best of the 3 in this video for me but I’m weighing it against the chase sapphire preferred because it is cheaper and trying to figure out if it’s a better starting card for someone starting their career and hoping to build points for travel
Thanks for watching Joey! I really like the Venture X, but I would agree with you that the Sapphire Preferred card is probably the best place to start. I have that one myself and it was my first "travel credit card" with an annual fee - definitely still one of my favorites for the 1 to 1 transfer partners in my Chase Trifecta. But I think later on the Venture X could be good for you if you want a travel card that offers more benefits too
@@Daniel_Braun thank you I do think I will go with the sapphire preferred especially since they have jet blue as a transfer partner which I use a lot and I heard capital one currently does not offer it to even purchase in their portal, but thank you for the response it’s was very helpful!
Hey Joey! I’m in the same boat! Currently have the freedom flex and am considering the CSP or the C1 VenX. I’m curious which one you decided to go for and if you have any reflections on the choice?
It's one of the best for airline partners that you can transfer points to - especially for long distance international and/or business and first class flights. It's cash back redemption value is very bad though, so not a good card to redeem points for cash back. Here's a video that broke down how to redeem Amex points to explain better: ua-cam.com/video/nQ-BjcpIAmA/v-deo.html
I don't see how being easy to use makes the X a "beginner" or step down card. If you're paying high annual fees you shouldn't have to jump through a million hoops to gain access to all the card benefits. They should be bringing it to you on a silver platter.
Question for the welcome points: If I buy something via my venture x card (example, a $4000 sofa from Costco) and get 75k points and end up returning that item after 1 year, what would happen to those welome bonus 75k points?
Hi I had a couple of questions. Related to Amex, can you transfer points between accounts. Also, between spose accounts? If you have amex platinum can you also get a Charles Schwab, gold card, etc and get the welcome offer? How does that work, I've heard that amex is very restrictive on welcome offers, etc.
Are there cash back cards with annual fees? That offer better reward vs standard cash reward cards? I don’t like point card simply because am not rich enough to have multiple vacations a year. I mainly just go on vacation once a year to either a cruise or travel to a city. Are point card worth it to me knowing I just have 2 weeks a year for personal vacations?
Venture X is one of the best cards out there! I think having the Venture X makes the CSP more appealing to be honest. I personally prefer the CSP to the CSR for it's value relative to its cost
Hey Daniel, new subscriber here! Great video! Had a quick question regarding the CSR and the VentureX I currently have the AMEX platinum and have been thinking about adding another travel card to my portfolio. One thing that hinders me from getting the VentureX is the limited amount of travel partners. Although it has two times points compared to the one point on chase sapphire , I value Hyatt as a better transfer partner than the ones I’ve seen from venture X. What do you recommend should be more of a priority: 2x points from VentureX or the ability to transfer to Hyatt with Chase Sapphire?
Some people haven't used the airport lounges before so I've always found it helpful to look at my annual fees - credits to see my effective annual fee to figure out if the lounges are worth it to me. For example, if I got no value out of the Amex Platinum credits and my annual fee was $695, then the lounges aren't worth it to me. But if I'm getting $640 of value like that example in the video, then the effective $55 is a good deal!
--- 💳 Learn More - Amex Platinum: danielbraun.me/AmexPlatinum
--- 💳 Learn More - Venture X: danielbraun.me/VentureX
--- 💳 Learn More - Sapphire Reserve: danielbraun.me/SapphireReserve
I know most of your audience isn't in the military, but for active duty military and their spouses the annual fees for Chase and Amex are waived. It's an awesome benefit, and why I stick with Chase and Amex lol.
Only active duty? Are reserves and guard included as well?
@@Lilhouligan you can try.......just call the number on the back of your card and ask about the SCRA benefit.
Yessir, I’m getting so much free stuff just because I’m in the military
@@Lilhouligan Pretty unlikely unless you're on active orders.
Thanks for your service, and definitely a smart thing to take advantage of for getting annual fees waived!
This was a really great comprehensive comparison. You mentioned the simplicity of the Venture X... This is really what I like about it. Since I only travel a couple times per year, getting full use out of it will be easiest for me. It would be fantastic if Cap1 opens a lounge in PHL or EWR!
Thanks so much Joshua, appreciate it man! Yeah I think Capital One did a good job with keeping it simple. And I would love to have a Capital One lounge in one or both of those airports! PHL is my home airport so any more lounges would be great
The free excel sheet and honesty won me over. This man is legit a beast for spreading wisdom. Thank you sir!
Premium travel! Let's go! Thank you for this insanely value packed video!
Premium Travel, my frequent travels constantly pulls value out of my Amex platty. It’s just unreal the value that you can get even if you travel just once a quarter!
Thanks for the "Premium Travel" comment Chad! And nice, yeah traveling even once per quarter gives you a chance to really get some good use out of the Platinum card benefits!
Got the venture x last July and already met my 75k bonus miles. So far I’m loving my venture x especially with its 2x on everyday purchases!
The bonus comes along with miles of the 4k dollars or you only got 75k miles after spending 4 k dollars?
Premium travel! These 3 cards have each made a name for themselves in the premium travel space. Overall, I completely agree with your summary of each of the cards. I think of the Amex Platinum as a truly luxury travel card that only makes sense if you travel frequently every year and are going to take advantage of enough credits to cover that annual fee naturally. The Venture X is the best option for most people looking to get started in the world of luxury travel cards in my opinion. The lower AF and ease of use of the credits make it a really solid card and the lounges they're building are an added benefit! The Chase Sapphire Reserve just hasn't distinguished itself enough from the Chase Sapphire Preferred, so I have a hard time recommending it when you can get 80% of the value from a $95 annual fee card instead. At the end of the day, all 3 of these cards provide great value for specific people, and great job breaking all of these down so thoroughly yet succinctly Daniel!
Thanks so much Spencer - and thanks for catching that "Premium Travel" phrase too! Yeah all 3 have good things going for them but you pretty much summed it up right there - I love my Amex Platinum and excited to try out the Venture X soon as well
@@Daniel_Braun Of course man! Always love watching your content. Once I'm applying for personal cards again, the Venture X is one of the ones at the top of my list. By then though, there may be some more premium travel cards out there that rival it (Citi??) so we'll have to see.
Would love to see what Citi has in the works! Sounds like a solid plan for you 👍
@@Daniel_Braun Thanks man! And dude CONGRATS on 40k!! Very well deserved!
The best thing about the venture x is that's its a flat 2x points per dollar regardless of category rather than the lower return of some of the other premium cards. Chase does 3x or 4x on specific categories but when people are honest with themselves it's pretty clear that most people's spend isn't all in those categories. Not to mention if you get the cap on savior or savior one you can get 3-4x back on all those same categories that chase has and than just transfer the points to the venture x for travel booking.
Good comparison. They are all solid cards. For me, it's the Platinum without debate. And I can't give points for Capital One and Chase Lounges that don't exist yet.
Thanks, appreciate the support as always @SledgeIncTeam ! Yeah I'd have to say that the Amex Platinum is my favorite out of these 3 too. And I get it, yeah I'd like to see more lounges for Chase and Capital One before I make a full judgement on how they are
Why the Platinum without debate? I’m curious
Great breakdown. I might consider valuing the Venture X $300 credit a tiny bit lower since sometimes the same options booked outside of that portal would be cheaper, so you’d have to go with the additional price on portal.
They do price matching for Venture X
They do price match and from what I’ve seen the portal is very close if not cheaper than outside options.
Premium travel. I have both the Platinum and CSR. Just picked up the Venture X! Love the content Daniel. 🙌🏼
How are you maximizing both cards ?
I love my coupon book! 1 month and already save $142 from offers and that doesn't include phone, internet and insurance savings which is about $70 in statement credits so far(This goes into December) >> Auth users get to double up on offer btw. About 5k in Amex points on Rakuten. Did I mention that I get paramount free with the Walmart plus that they pay for (I watch a lot of soccer) and the digital credit pays for my entire HULU bill (with student credit of course). Also I put all my bills on the card invested in MULN and made a 60% profit on the cash I would've spent. At this point I don't even care if I travel and yeah that 125,000 bonus is just sitting there.
Premium travel 😃😃. One day it’ll make sense for me to get one of these cards….I think the VX makes more sense for me but I want that platinum card! When that day comes, I’ll be sure to refer back to this very detailed and thorough comparison. Excellent job 👍🏾
How? Casino play time?
I was considering changing to the Amex Platinum or the Venture X…but after using the Chase Medical coverage for a hospital emergency room visit…I think I may keep the Chase Sapphire Reserve.
Did you have to payback the emergency room visit?
Premium Travel. Great video. Currently have the CSP & AmEx Gold, and partner has the AmEx Platinum and CSP. Definitely going to get the Venture X. Will try to wait to see if they offer their initial 100K bonus sometime again within the next year.
Thanks for catching that phrase at the end! And nice, always good to have a 2 person game going with credit cards like that!
Just picked up the Venture X and I love it. Might pair it with the no annual Savor One in the future. With the annual $300 credit from the X it basically pays for itself if you plan to book at least one trip per year 🎉
I’d love to see a more detailed video about transferring over to travel partners. I have the Amex gold and chase sapphire preferred. Cheers
Premium travel. I just got the platinum card. I think it provides the best overall value as far as pros and cons go. Military folks get the annual fee waived though. That's the best perk. 😂
I'm glad cards are starting to limit lounge access to cardholders only. It's gotten so bad over the past year.
Yeah I think the guest access really impacts the crowds, especially in the really busy airports at peak times - hopefully the crowds will go down a bit over time!
Premium Travel!
There might be some additional value with the Capital One VX since it gives you access to Priority Pass restaurants too.
So does the csr
Thanks for catching that phrase at the end Miguel, I appreciate you watching that far in the video! And thanks for adding that, I haven't been as familiar with that minor detail on Priority Pass so that good to know for when I get the card!
So does the platinum
@@seanvanhelden9429 no it doesn’t. Only lounges
@@DCGEMINI202 Does CSR give you access to Plaza premium lounge?
Premium Travel! You covered everything so well in this video. Answered all my questions. I want to force myself to travel a bit more over the next couple years. My partner will get the Amex Gold and I’ll get the Amex Platinum. We both have the CSP right now. Lounge access is huge, and I might downgrade to the gold or get the Venture X in a year or two once they have their lounges more widespread. Thanks again!
Premium Tavel. Always love learning more about personal finance especially anything around credit and credit cards!
Thanks for your video Daniel made the decision to apply for the Venture X after watching and got approved! Let's gooo
I'm considering getting the Venture X as my first premium travel card because, as you said, it does seem like the simplest to use. Plus, having it practically pay for itself is certainly nice!
Same! Although, I've heard Cap1 does a hard pull on each credit bureau... which will be hard for me to come to terms with. Other than that, it seems great to me
Premium Travel !! Thanks for this in depth review Daniel ! You deliver great content on your channel love watching your videos! Currently have the CSP looking at possibly upgrading after year one !
Thanks so much for saying that Eduardo, and thanks for catching that "Premium Travel" phrase at the end too! Good plan you have with the CSP
2) Great Video, lots of very useful information.
3) Thanks for the spreadsheet, very helpful.
4) Links to other helpful videos also greatly appreciated!
Not sure if CSR has this, but CSP has a 10% anniversary point bonus. Adds a little bit. Being a spreadsheet man myself, I'd like to see the final numbers assuming an annual spending on purchases you'd already make in various categories and add that value to the annual benefit.
Premium travel! I really like your videos i remember when you were at 20k subs keep it going! Also i wish they had a better trifecta for Amex business blue is tough for those who don’t own a business.
Thanks for the "Premium Travel" comment Michael! And also thanks for watching my channel for so long, haha yeah I can't believe it's doubled from 20k to 40k now - lots of videos planned to keep it going! I agree, I wish Amex had a personal card that earned MR points and maybe had the same 2x points per dollar on everything. That would probably be very well received by a lot of people
I’ve only been on the credit card game for 5 months and already have a chase trifecta unlimited, ink business cash, preserve and a Amex gold my next will be the venture x because I have a family and travel on a budget
Nice, lots of great cards! Those should be a solid foundation for earning points for travel going forward 👍
Premium Travel. Great video breaking these down!
Thanks so much for catching that "Premium Travel" phrase at the end Mathew! Appreciate the support!
I’m so torn on this one. Both my wife and I have the Sapphire Preferred - I’ve been planning on upgrading to the Reserve on my renewal - but now we’re thinking of getting her the Venture X so tha we can all get lounge access - she gets TSA Pre Check - and we can bring our kids to the lounge. i’m the one that travels most for work - but we’re mapping out a big vacation with our Chase points next Summer so lots to think about. But great video/breakdown man
Yeah sounds like you have a lot of reasons to potentially get good value from having more than 1 of these 3 cards! I think you can't go wrong with any of them if you're traveling a lot for both personal and work. Thanks so much for watching, glad you enjoyed the breakdown!
Get the VX and add all your kids is authorized users for free so they'll have excellent credit history when they grow up lol
@@DJ-rk6wh Yeah man! We ended up applying - and getting it. It arrived yesterday. Our kids are young - 5 and 8 - but we'll be adding them to this for sure later on.
@@Americanomondays dude nice and adding your kids as AUs is such a wild hack that I only recently found out about.
@@DJ-rk6wh The moment they can be added - we're doing it. I WISH my parents had been able to help me build up my credit from a young age and educate me on how to utilize credit/money properly. That's something I'm hoping to be able to do wit our kids.
Premium travel brother 💪💪 Your videos are unmatched man, thanks for the info!
Love the venture X how easy the credit is to use I don't have to jump through hoops to get value form it
Agreed, one of the best reasons to get the Venture X is for the simplicity!
Nobody mention the chase sapphire reserve is the only one that provide emergency evacuation up to $100,000 for each person on your trip. for me is very valuable. With that coverage I don’t have to buy nothing extra.
Yeah definitely something that can be a very important thing to consider for some people! Sorry I couldn't get all the other benefits like that into this video - I was already pushing 20 minutes for the duration haha. But thanks for the comment Gabriel, always good to have more info in the comment section for others to see!
Great video like always 👏🏻
Premium travel. One Amex benefit I don’t hear being talked about is the personal credit card credit toward Gold and premium If you already have a corporate business card. I get $100 yearly credit for my AMEX gold 😊
Thanks so much for commenting "Premium Travel" @Niche Magui ! And yeah I agree, that's a great Amex benefit to take advantage of - I mentioned it in this previous video about the Amex Gold: ua-cam.com/video/PMD813FXNmg/v-deo.html
PREMIUM TRAVEL!!!
Love My AMEX and Chase Trifecta. Really want that Venture X!!
Thanks for watching until the end to see that "Premium Travel" phrase Nio! I really like my Amex and Chase Trifectas too!
Premium Travel!
I think I'll go with the Venture X after we meet all the MSRs on our Chases.
Thanks for the excel sheet, Daniel! I was able to quickly blend some annual fees and credits based on my lifestyle. That was very useful in validating my decision for my upcoming card combo strategy for rewarding some premium travel for the family.
premium travel! Great work Daniel!
I would like to see a video comparing the travel insurance in depth for all 3 and in particular the evacuation insurance.
Premium travel. Great summary. Still debating premium travel vs cash back…
I was denied for the Cap 1 VX so I decided to upgrade my CSP to CSR just in hope that Chase will revamp the CSR in the very near future since there’s so many competitors out there.
Just heard that the 150K referral offer of Amex Plat is back!!
Nice, yeah I've seen a few people mention that so if that offer is out there then it's great value!
Thanks for all the great research and advice.
Thank you very much for this. Excellent job.
Just came across your channel. You are doing a great job. Good Luck. .. Oh a.. and Premium Travel :)
Thank you for the video . I have the MS Platinum. My wife and I are at the point in life where we travel about once a month. But I also plan to get the Capital One card it seems like a no-brainer
I think for $250 delta skymiles Americans express platinum is better 🤔 I fly delta all time for me It's not bad vs paying 650 on regular.
Nice, yeah if you're flying Delta a lot then that card definitely would make sense for you to get good value from! Thanks for watching
I upgrade my Venture card to the Venture X back in July 2022 on the phone with a representative. She stated i wont be able to downgrade back to the Venture card but to the VentureOne. Unsure why, but i think it could of been because my original Venture card annual fee was $59.
Premium travel... Thanks for sharing that comparison tool
For me personally amex platinum is by far the best
Definitely one of my favorites! It's expensive but worth the value for me
AMEX Platinum and the Venture X 💪💪💪 The CSR has been neglected for too long👎
Yeah I think the CSR is a good card for the right person, but I think personally the Amex Platinum and Venture X fit my needs better right now!
Premium Travel! Torn between CSR, CSP, VX, AMEX, or some combination of two. Real goal is the X1, but not sure I’ll get the greenlight!
Premium Travel
It will be a couple of years before I increase the # of cards I have but it's fun to learn about the features. 🙂
Premium travel baby!
Thanks for commenting that and for watching!
I appreciate the excel sheet more than you know haha. Love me a good spreadsheet. Do you have that anywhere for download or up for sharing via drive/email? Have any others that I can appreciate and use? :D
I just met the sign up bonus on the vx. But to be honest, I'll be spending all non-bonused categories back to the unlimited. I just transferred 110k UR to Hyatt through my ink preferred and I value 1.5 UR more than 2 cap one miles
Nice! Yeah honestly I agree with you - I value 1.5x on my freedom unlimited more than 2x on venture x on my miscellaneous spending for the exact same reason with point transfers to Hyatt. I'm usually able to easily get around 2 cents per point or more there by doing that! Thanks for watching
In that case would you recommend freedom unlimited versus savior one from capital one? I am trying to decide on chase sapphire versus venture x, but also want another card besides one of those twos. What do you recommend? I like Hyatts as well.
Premium Travelll!!!!!!
“Premium travel”. Venture X killin it.
Premium travel! Love your videos thank you
you forgot the hiltion aspire card. i think it beats all of these card
Thanks for the breakdown
Great video and very insightful. Can you include a link to your Travel Credit Card Comparison google doc sheet?
Premium travel. What about the Amex gold card compared to the venture X?
Amex Gold is another great option, less of a travel focused credit card though in terms of it's benefits and features. I like both the Venture X and Amex Gold, but the Venture X is better for travel in my opinion. Thanks for watching until the end to catch that "Premium travel" phrase!
Thanks for your videos - they’re super straightforward and helpful. I’m currently devouring your content as I have to pay > $25k upfront for a cruise I plan to take in 2023, so hoping to pay via various cards to create maximum rewards. It seems to get the most value from Amex/VentureX/Chase, one must book travel through their portals. 3rd party reservations are to be avoided in my book. Have you addressed the pro/cons of booking travel via these 3rd party portals vs direct?
25k for a cruise 🤮🤮 I thought I was paying alot at 3k lol. You must be going around the world lol
@@DJ-rk6wh Wait till your 65 - you'll be ready for a big European cruise as well. (It is for 2 btw), and includes airfare. Yeah, so trying to strategize cc's to earn points on this splurge.
@@lilafitzgerald4742 that sounds like it's going to be an amazing trip. And if you have to drop 25k all at once then maybe go with the VX. They do 2x points for everything (you'll rack up 125k in points with that one purchase). Sapphire is only 3x point for the first $300 and Platinum is only 1x for everything. But I haven't had an issue with Chase's portal so far and I've done a few flights with them. In preparing for my cruise in January I'm using C1s portal to fly to MIA. And from the looks of it the flights are either on par or cheaper than booking directly with an airline. My only disclaimer is I only will use those portals for flights and nothing else as I'm part of a hotel loyalty program with a different CC. But to me the only big difference with the Reserve and the VX is that you get 50% more value on your points when you use the Chase portal. I guess a big thing to look into is what kind of travel insurances are offered as well. I personally have never had to use them and I hope I never do lol. I don't have an amex so I can't really speak too much on them. I personally did the VX because I only travel 2x a yr and the card will pay for its self without to much thinking on my part.
@@DJ-rk6wh Great thoughts - much appreciated. Prob should have done the VX vs Platinum, but too late now. 3rd party portals are fine unless something goes wrong, then you've got a hurdle between you and help, imo, but 50% more lift may be worth the risk. Yeah, travel insurance is the next investigation. NerdWallet has a decent article on the topic. Thanks again. You should expand (further) into personal finance - you have a good, clear approach.
Hey Daniel, I literally just found your channel last night and have already watched three of videos. Great work. I have the Chase Sapphire Reserve. My wife wants to get the Capital One Venture X. I was wondering, is the Caputal One Venture X card a Visa?
The VentureX also allows you to add verified users without any fees.
Yeah another really great feature! I talked about that more in my full review video of the Venture X - really valuable to many people for that
Premium travel! Awesome explainer. ❤
Thank you I love all of them
Awesome, thanks for watching @Mo Jenks !
Great vid!
Thank you so much @ari pisa ! Glad you liked it!
Regarding the Amex platinum authorized user, you said additional annual fee, I know it's $175 for unauthorized user, but is out of one time fee or annual fee?
the CSR gives $5 per month for door dash that you didnt include in the calculation like u did for uber on the amex platinum (and the doordash credit stacks for upto 3 months)
Yeah thanks for pointing it out in the comments. Like I said, I couldn’t include everything in terms of partner benefits just because those change over time and are added or removed as time goes on - but that’s why I made the google sheet file available for download so that anyone can add those in on their own! Thanks for adding that 👍
Premium travel. I have the Chase sapphire preferred and want to get another travel credit that offers lounge access. I have been debating which one to get but don’t know which one to choose.
premium travel! thank you!
premium travel!!! great video
Premium travel. Excellent video.
hate that the Chase Reserve doesn't basically pay for itself unlike the others and that their sign on bonus is the same as the Preferred (unless you consider what would be a gimmick of the .25x difference since using transfer partners anyway)
best travel card for everyday care to rack up miles?
Premium travel! Great video
Premium Travel!
Still planning on getting that schwab platinum? 😅
Thanks for catching that phrase at the end @GoDziLLa714 ! And yeah I'm still planning on swapping out for the Schwab Platinum in the future - probably early next year unless I get some huge retention off on my regular Platinum again
Looking for my first travel card, I know they are not in the same category but I’m debating on the venture x cause I think it’s the best of the 3 in this video for me but I’m weighing it against the chase sapphire preferred because it is cheaper and trying to figure out if it’s a better starting card for someone starting their career and hoping to build points for travel
Thanks for watching Joey! I really like the Venture X, but I would agree with you that the Sapphire Preferred card is probably the best place to start. I have that one myself and it was my first "travel credit card" with an annual fee - definitely still one of my favorites for the 1 to 1 transfer partners in my Chase Trifecta. But I think later on the Venture X could be good for you if you want a travel card that offers more benefits too
@@Daniel_Braun thank you I do think I will go with the sapphire preferred especially since they have jet blue as a transfer partner which I use a lot and I heard capital one currently does not offer it to even purchase in their portal, but thank you for the response it’s was very helpful!
@@joeyAlmeida1295 Awesome! And no problem, always happy to help 👍
Hey Joey! I’m in the same boat! Currently have the freedom flex and am considering the CSP or the C1 VenX. I’m curious which one you decided to go for and if you have any reflections on the choice?
Do you think American Express platinum is the best choice for airline points and cash points?
It's one of the best for airline partners that you can transfer points to - especially for long distance international and/or business and first class flights. It's cash back redemption value is very bad though, so not a good card to redeem points for cash back. Here's a video that broke down how to redeem Amex points to explain better: ua-cam.com/video/nQ-BjcpIAmA/v-deo.html
I don't see how being easy to use makes the X a "beginner" or step down card. If you're paying high annual fees you shouldn't have to jump through a million hoops to gain access to all the card benefits. They should be bringing it to you on a silver platter.
Premium travel!
Question for the welcome points:
If I buy something via my venture x card (example, a $4000 sofa from Costco) and get 75k points and end up returning that item after 1 year, what would happen to those welome bonus 75k points?
Oooof idk... C1 is quick as hell to take back points when I do a return. My suggestion...... use them before the return and don't find out haha
hmmm i was swinging towards amex but now im swinging towards venture.... for premium travel.
Hi I had a couple of questions. Related to Amex, can you transfer points between accounts. Also, between spose accounts? If you have amex platinum can you also get a Charles Schwab, gold card, etc and get the welcome offer? How does that work, I've heard that amex is very restrictive on welcome offers, etc.
who goes to an airport... to hang out at The Lounge?
Are there cash back cards with annual fees? That offer better reward vs standard cash reward cards? I don’t like point card simply because am not rich enough to have multiple vacations a year. I mainly just go on vacation once a year to either a cruise or travel to a city. Are point card worth it to me knowing I just have 2 weeks a year for personal vacations?
Where is BOA Elite
Premium Travel 17:04
Thank you so much for commenting that!
Premium travel
Thanks so much for commenting that Kyle!
Venture X was great -- it was basically no brainer for me. I'm wondering if I should downgrade my CSR to CSP. Any thoughts?
Venture X is one of the best cards out there! I think having the Venture X makes the CSP more appealing to be honest. I personally prefer the CSP to the CSR for it's value relative to its cost
@@Daniel_Braun Got it. Yeah, I might downgrade my CSR and do VX + CSP combo lol
Dang dood you can talk when do you catch your breath lol lol
Haha yeah sorry, that’s the pace of the editing more than anything. I’ll slow it down a bit!
I don't think amex 240$ Credit for digital is woth it because you would anyway get those with most of the mobile cariers for family plans
Hey Daniel, new subscriber here! Great video! Had a quick question regarding the CSR and the VentureX
I currently have the AMEX platinum and have been thinking about adding another travel card to my portfolio. One thing that hinders me from getting the VentureX is the limited amount of travel partners. Although it has two times points compared to the one point on chase sapphire , I value Hyatt as a better transfer partner than the ones I’ve seen from venture X. What do you recommend should be more of a priority: 2x points from VentureX or the ability to transfer to Hyatt with Chase Sapphire?
Venture x is the best premium value card
Definitely one of the best cards out there for travel! I really like what Capital One did when they released the Venture X last year
@@Daniel_Braun just got approved for it, definitely looking forward to it
Not hard to put a value on airport lounge access, doesn’t priority pass cost like $450 if you buy it yourself?
Some people haven't used the airport lounges before so I've always found it helpful to look at my annual fees - credits to see my effective annual fee to figure out if the lounges are worth it to me. For example, if I got no value out of the Amex Platinum credits and my annual fee was $695, then the lounges aren't worth it to me. But if I'm getting $640 of value like that example in the video, then the effective $55 is a good deal!
You’re getting swole Dan. I hear you’re near Philly, let’s connect!
Premium Travel