Capital One Venture X: My 2 Year Review (w/ BIG Value)

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2 years later, my Capital One Venture X card is still an MVP in my wallet. From amazing travel benefits, easy-to-use and valuable credits, and a solid catch-all card, this powerhouse of a card STILL shines bright amongst the competition today.
In this video, we break down what makes the Capital One Venture X so powerful, how I've squeezed major value from all the perks across the last 2 years (real, concrete examples!), increased my credit line LIVE, and whether I'll be keeping it going forward into 2024!
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JUMP TO SECTIONS 📚:
0:00 Intro
0:31 $395 fee worth it?
1:07 Capital One travel portal & price comparison
2:38 Earning points with the Venture X
3:15 Redeeming Capital One Venture miles for MAX value (with examples)
8:24 Lounge access
10:11 Car rental perks
11:16 Credit limit increase (LIVE request)
12:36 Other amazing benefits
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The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Kevin Yang is not a financial advisor. The ideas mentioned in these videos are for entertainment and education purposes only, not financial advice. Please conduct your own research before making financial decisions.
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Опубликовано:

2 июл 2024

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Комментарии : 94

@KevinYang 7 месяцев назад

Do you have or want to get the Capital One Venture X? How much value do you get from it?

@Dudevegaslv 7 месяцев назад

Yesterday I got approved for venture x with 50k credit line . Current credit score 833.

@KevinYang 7 месяцев назад

Damnn congrats! That's a huge credit line and amazing job on that credit score! What's your favorite part about the card?

@Z3LDASRO 7 месяцев назад

I thought max was 30k 🤔

@KevinYang 7 месяцев назад

@@Z3LDASRO Looks like probably not, just got bumped to 40k recorded in the video!

@JB-pk1jx 6 месяцев назад

@@Z3LDASROno I got 50k on venture rewards

@none317 3 месяца назад

I know this is kinda personal, so I understand if you wouldn't like to reply. But how much annual income did you disclose to capital one for them to approve so a huge limit.

@dv8977 5 месяцев назад

Thank you for your reply, I’ve share many of your videos to my family member to watch ☺️

@KevinYang 5 месяцев назад

I'm glad you find it useful!

@SpencerJohnsonOfficial 7 месяцев назад

This is a card that's become a staple in my wallet too, and it's one I don't see myself needing to cancel as long as I'm happy to book one trip a year through the Capital One travel portal to activate that travel credit. Even just a rental car or two per year makes it worth it! Great stuff Kevin! 👊🏼

@KevinYang 7 месяцев назад

Totally agree, and with the relatively easy-to-use perks (probably second to the CSR), it's usually near the top of the list to use too! Let's hope it doesn't get any sort of devaluations... Thanks for the support Spencer!

@taurinenrgy 6 месяцев назад

You are the best credit cards review. Most youtuber don’t go into explaining how difficult it is to use many of the perks you get many credit cards that make then useless.

@KevinYang 6 месяцев назад

Thanks and hope you found it useful!

@MattWelterOfficial 7 месяцев назад

Absolutely love how easy it is to get value with the Venture X through using the Travel Credit & Bonus Miles to get more value than the annual fee right away. Also loved all the specific examples for maximizing your Capital One Miles, I definitely agree with you that Aeroplan is a sweetspot in terms of being a super flexible & valuable transfer partner. Great video as always Kevin!

@KevinYang 7 месяцев назад

Definitely a sweet spot if we're flying over the Pacific from the west coast! Easy direct flights from SeaTac or short hops down to LAX/SFO! Thanks for watching Matt

@beaunoonan510 7 месяцев назад

Great stuff man. Curious - where have you visited the Plaza Premium lounges? I love the C1 Lounge at DFW - can’t say enough good things. Cheers!

@KevinYang 7 месяцев назад

Yup! Been to a bunch of Plaza Premium lounges, for example the YVR ones in the US terminal, or the Blossom lounge in T4 Singapore! Have you?

@TheCreditFrog 7 месяцев назад

Nice video Kevin! Glad you’ve been getting tons of value from the C1VX. Maybe one day I’ll consider this card, but right now, I’m going to stick with the Platinum. Great redemption strategies!

@KevinYang 7 месяцев назад

Honestly, the Platinum is still up there in terms of value, and don't think I'd ever really get rid of it! I'm sure that you'll get the VX if and when your situation calls for it, and that your (pretty unique) set up will do you wonders for now!

@JacobsPointsAndProfit 7 месяцев назад

If I’m not mistaken, that’s the lounge in Singapore at 9:05. My wife and I loved Singapore and the lounge was cool too!

@KevinYang 7 месяцев назад

Yes! It's the Blossom lounge in T4! Been there twice now and it's still such an amazing lounge. Did you have the laksa there?

@JacobsPointsAndProfit 7 месяцев назад

@@KevinYang I'm pretty sure I had laksa in the lounge, but not completely sure! I'll have to catch up with you and go to Singapore again since I've only been there once haha

@KevinYang 7 месяцев назад

@@JacobsPointsAndProfit Singapore is amazing.. even just Changi Airport itself outside of the lounges!

@ThaSaw 5 месяцев назад

Hey! Been really binging your videos, appreciate your content! I gather that you are in the PNW region, and I recently moved here. I was thinking about getting a dedicated travel card and was wondering what you would think about Venture X in context of my other cards: Amex Gold, Bilt, and Citi Double Cash. Was considering a dedicated Alaska Airlines card, too, since that is what I seem to be using most domestically. Thanks!

@KevinYang 5 месяцев назад

The Alaska card is great if you'll make use of the companion fare regularly. Venture X will be a good all rounder travel card, but I'd also consider the Amex Platinum. If you can justify the AF using the credits it provides, the Centurion lounge benefit (there's a new one at SeaTac) is a great benefit!

@MikeMaye 7 месяцев назад

I actually just picked up this card a week ago and managed to snag it with the 90k welcome offer. I'm excited to have it and to see what value I can get from it. Great vid Kevin💥

@KevinYang 7 месяцев назад

Congrats on an amazing card and a great bonus! Do you have any travels or ideas planned on how you'll maximize the card?

@MikeMaye 7 месяцев назад

@@KevinYang Thanks! I have some travel coming up next year. Going to put all my major spend and car rentals on the card for now.

@KevinYang 7 месяцев назад

@@MikeMaye Sounds like a great plan!

@Z3LDASRO 7 месяцев назад

I have my closing date for a new build house December 22 so it will be easy to max out my 90k bonuses miles……easy 4k spent

@KevinYang 7 месяцев назад

@@Z3LDASRO That's the power of these lucrative welcome bonuses!

@IceIcelce 7 месяцев назад

Being able to avoid the DFW Centurion lounge and hit up the C1 lounge is enough justification for me. Hands down the best non-VIP lounge I've been to so far in the US.

@KevinYang 7 месяцев назад

That's great to hear! Would love to visit that lounge one day..

@Nick-1828 7 месяцев назад

If capital one came out with a rotating 5x category card like the CFF that would seriously have me considering making the switch from Chase to capital one. I’m able to get a good bit of points out of the CFF plus their transfer partners align with my travel. But a great card none the less

@thegeneral1955 6 месяцев назад

I'm sure they will soon enough. I have a Savor One and Quicksilver with C1 and im debating on either a venture x or waiting for something like a 5x rotating category to drop. I've also heard rumors they might change the quicksilver into a card like that.

@BonVoyageMiles Месяц назад

Or perhaps slot in the discover 5% cards if the C1/Discover acquisition is approved

@m31p29 7 месяцев назад

I will try and get this card after 6 months have passed. Recently got savor one card

@KevinYang 7 месяцев назад

Building up to the Cap1 Duo, gonna be an amazing setup! Are far into your credit card journey are you?

@m31p29 7 месяцев назад

@@KevinYang relatively new actually. But so far like the capital one ecosystem.

@KevinYang 7 месяцев назад

@@m31p29 It's a great one. Remember you could also transfer Savor One cashback into Venture miles if that's your preferred way of redeeming!

@druiz012 7 месяцев назад

Im a huge fan of this card and its my #1 used card because non-category is my biggest spending category. (That sounds funny) I have gotten great value redemptions last year thrpugh Turkish and this year via British Airways. I hope you get to visit one of the C1 lounges as they are the best in the business. Ill get to visit all 3 next year as I am going to Dallas to watch a baseball series, Denver 2 layovers and Washington Dulles a layover as well. Ill be bringing friends or family each time so Ill definitely be getting my moneys worth.

@KevinYang 7 месяцев назад

That sounds amazing, where did you go with Turkish and BA, and what were those redemptions like? The lounges do sound amazing, but really haven't found the reason to travel to any of the 3 cities just yet! Sounds like you DEFINITELY get your money's worth!

@druiz012 7 месяцев назад

With Turkish I booked SEA-ZUR via IST. With BA I booked QSuites from SFO-DOH followed by DOH-BKK on an A380. I'm going the long way to Bangkok but I'm doing it in style!

@druiz012 7 месяцев назад

I already flew the Turkish airlines flight.

@KevinYang 7 месяцев назад

@@druiz012 Damn I would love to take that SFO-DOH-BKK route! How was the searching process?

@druiz012 7 месяцев назад

@KevinYang another thing... I had booked my return home a month prior from HND-SFO using Alaska miles. I searched everyday for about 3 weeks for that one until one day JAL dropped a lot of availability. I had thought I'd book last minute ANA to Tokyo (economy class if needed to get there) but when Ibsaw the QSuites post I jumped on it... found a $158 flight from Bangkok to Tokyo on Asia air... so 5 days in Bangkok 9 in Tokyo (well I plan to go to Kyoto and Osaka)

@jaredyu3027 7 месяцев назад

I have the venture x, and I am thinking of getting the venture one rewards for the sub. and after year one downgrade the venture one rewards to the savor. is that a good idea?

@KevinYang 7 месяцев назад

You're referring to the no AF Venture One, not the $95 Venture?

@trave7644 7 месяцев назад

I am really torn, I have both set ups, chase and Capt one. cards. Can you do a show on which points are more worth. Some say chase points are worth more because they are really more versatile.

@PingPingTravel 6 месяцев назад

How does the Cap1 portal compare in price and selection compared to Chase and Amex?

@KevinYang 6 месяцев назад

Personally I've found it to be best and closest to other sites!

@CarterNL414 7 месяцев назад

Hi Kevin. Did Hertz recognize your status given you used the capital one portal?

@KevinYang 7 месяцев назад

I didn't go through the portal for my car rental. I went through Hertz itself, but it recognizes status given the card is attached to my account

@volodymyru2760 7 месяцев назад

@@KevinYangwhy didn’t u use the portal? Wouldn’t you had earned 10X plus price match?

@KevinYang 7 месяцев назад

@@volodymyru2760 Great point! I had additional discount codes that could only be used on Hertz directly which gave a pretty significant discount!

@SpencerJohnsonOfficial 7 месяцев назад

I booked a rental car with Hertz through the portal and they honored the status! I had to make sure they knew I was President's Circle when I got to the counter, but that was it.

@CarterNL414 7 месяцев назад

@@SpencerJohnsonOfficial Excellent. Thanks Spencer. I went through Hertz because I wasn’t sure on a recent trip

@connorcharamella4049 6 месяцев назад

what did you use to check the flights so easily all at once?

@KevinYang 6 месяцев назад

Seats.aero!

@dv8977 5 месяцев назад

Hi Kevin after watching your many informative videos I have concluded Capitol one x might be the best card for me to get as of now However , I’ve tried to get a Preapproval through Capitol one I only received capital one card n not X card Any idea how can I get the X instead ? Or will Capitol One works the same in term of transferring points to air Canada Thank you in advance

@KevinYang 5 месяцев назад

For pre-approval, I believe the VX usually doesn't show, but some people say that if the Venture card shows, then there's a good chance the VX may be approved. And yes Capital One Venture miles do transfer to Aeroplan!

@ryanccc777 7 месяцев назад

The biggest value for me with the VX is the 4free AUs especially for family use.

@KevinYang 7 месяцев назад

I can see how that can come in so handy for families and bigger groups! Do you utilize all 4?

@ryanccc777 7 месяцев назад

@@KevinYang I do utilize all four so if I had to do the same for say the Amex Platinum that would be $$$$$$$ 😂

@Elayea 4 месяца назад

Should I get the Savor One first or Venture X first? I got preapproved for both

@KevinYang 4 месяца назад

I've heard Capital One can be a bit stingy, so if you can justify and qualify for the Venture X, my opinion is go for that first, then the SavorOne after

@JakeVanderPloeg 7 месяцев назад

Any tips for getting approved. I’m so nervous to get denied. Should I have zero Inquiries in the past 6 months or year?

@KevinYang 7 месяцев назад

I've heard that Capital One does get a bit picky with who they give approvals to. I'd recommend it towards the early-middle part of your credit card journey. It's hard to say exactly though, because people with an amazing credit profile have gotten denied too! How does your current credit profile look like?

@MRwheelziam 7 месяцев назад

Use the Capital One pre-approval tool. If the regular Venture card is there, your chances of getting the Venture X are much higher. Then freeze two of your reports.

@ForrestMcGraw 7 месяцев назад

@@MRwheelziam Why freeze 2 reports?

@dv8977 5 месяцев назад

Updated - I received Capitol One venture approved n not Capitol One venture X

@ariesdr5502 7 месяцев назад

I want to know the credit limits. I have heard most start at 15k but that’s low for me to take 3 hard pulls

@KevinYang 7 месяцев назад

I'm not sure of the exact details, but when I first got approved, it was 30k!

@Phillylima 7 месяцев назад

I got approved recently for 20k

@KevinYang 7 месяцев назад

@@Phillylima Thanks for the datapoint!

@KatChat-ys5qf 25 дней назад

Can u use this card in Taiwan or other Asian countries?

@KevinYang 25 дней назад

100%! Visa has pretty much been accepted everywhere that did take card. The VX is also no foreign transaction fees too

@billwright2176 7 месяцев назад

So I see it as this. Those who don't like chase and the portal redemption somehow accept the VX and its portal to use the credit. Those who like the VX put forth the x2 everything multiplier. Those same people will be using the portal as already mentioned. They have to as it's the entire argument for the VX credit. Chase CFU has 1.5 but paired with the CSR everything is a minimum of 2.25 if used in the portal.. Transfers is a different topic. Personally it seems to be more direct for domestic with chase. About the only point in VX is additional access for others to PP lounges. But at a loss to access to restaurants. I see the hype. I know for sure the VX card isn't for me. If I explained my view do you also see an apparent hypocrisy in the argument by many who favor the vx?

@KevinYang 7 месяцев назад

That's a great point! I think there are a few other things: - Simplicity, knowing that with 2 credits you can more than break even, and get a pretty solid value with the 2x multiplier with 1 card on travel through the portal OR your own travel charges (which is a big differentiator) - Transfers, for sure it really depends on where you'd like to fly. Personally, I've been enjoying Aeroplan so all the major transfer partners work for me - Portal differences. The capital one portal has been way easier to use in my experience, and have given the best prices vs. Chase and others All in all though, it's personal preference on what the individual values. If not the VX, sounds like you may value a card like the CSR more?

@druiz012 7 месяцев назад

I have both the C1VX and the CSR... I like to travel internationally and I think the C1 has some valuable transfer partners... Turkish, Avianca are 2 very valuable ones IMHO that Chase doesn't have. I've also been fortunate enough to hit the Dallas C1 lounge a few times. Also, like Kevin says. I've found the C1 travel portal to consistently have better prices than the Chase Portal. I Also love my CSR as 3x travel, PP restaurants the very easy to use $300 travel credit and my 2 yearly visits to Boston (Sapphire Lounge) with the fam make it valuable to me. Diversifying ecosystem imo is also a smart thing to do.

@anthonychen6237 7 месяцев назад

You certainly have a good point! But for me, the reason is more on the AUs. I need 4 AUs so VX is free while CSR needs $300 per year. Of course, you could say the access to restaurants cover the fees but it really depends on individual. Neither 1.5 nor 2.25 makes no differences to me as I always transfer to partners to get business tickets which easily 5+ cents per mile.

@KevinYang 7 месяцев назад

@@anthonychen6237 +1 for me too on the transferring to partners! And yeah if you make use of those AUs, the VX really jumps up in value! Thans for sharing your datapoint Anthony!

@cristg1397 7 месяцев назад

Couldn’t be a better bigger fraud or scam around! What a crock of bull! Let them charge you 23% and a late fee of $35, just so you’ll never dig out of whatever hole they lured you into! Do yourself a favor and pass up any offer!

@KevinYang 7 месяцев назад

You bring up a really important point! Any and all of these credit cards should be handled with care, always paying your bills in full and on time every time. If that's handled, then the late fees and interest charges shouldn't apply!

@cristg1397 7 месяцев назад

@@KevinYang yes agreed, however our Congress sold us out years ago to allow Banksters to rob us with high interest rates! It’s pure theft and a crime against our foundations of this great nation!

@VMYeahVN 6 месяцев назад

If you carry a balance, you shouldn't be using credit cards or should only get ones with 0% interest and no penalties/late fees. If that's a constant issue for you, you are using credit cards incorrectly i'm afraid. They are not meant to be used as loans or to buy things you can't afford. If you only spend what you normally would spend like what you would normally spend on your Debt card and pay the credit card off in full. Then interest and late fees do not matter.

@KevinYang 6 месяцев назад

@@VMYeahVN 💯💯