Capital One Venture X | MUST WATCH Before Applying!

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#VentureX

Timeline
0:00 Start Here
0:58 Capital One's Business Model
03:30 Why should you care?
05:33 Capital One Venture X Superpowers
10:49 Capital One Savor Pairing

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[alisulaiman]

All I gotta say is that Ask Sebby is the GOAT of the credit card world!

[pattonsrd]

I just took your advice and got approved. I never carry a balance, but on the application I simply put that I always carry balance.

[bagelmankevin]

One note I'd add at 10:08 is that the capital one travel portal has price match, unlike the chase portal. I've used it several times and it's a great way to avoid the extra fees (one of the main reasons people want to avoid portals in the first place) while still getting the multipliers. Imo this makes the C1 portal way better than Chase's.

Thank you for the great content!

[drownfall]

Data point

Approved dec 2022 w/ 30k limit
5 personal cards
Never carry balance
816 credit score

Wanted the card for 2 reasons:
1 - basically free priority pass
2 - primary rental insurance

[tasadem]

Second try and approved! Love the card so far. Hope your referral worked. I also want to do add this. You mentioned that C1 is giving you $5 to keep the card on 4:57. But I think you are also earning 10x points when redeeming $300 travel credit through the portal. If we also include that, you are earning 3000 points which makes $30 which bring the total to $35 instead of $5. But regardless, it is a keeper card for sure! Thanks Sebby🙂

[tofutrader]

I have venture X and savor card. It’s such a good set up. With this set up, I’m able to go on vacation twice a year !

[slappers]

I’ve had the card for 3 months now and have loved it. It worked out pretty nicely because I’ve had 3 connections in DFW in that span. Such an amazing lounge, probably my favorite in the states. Denver’s opening in March, hopefully IAD by end of q2. I’ve booked twice through the portal and requested price matches both times, it was quick and painless, great CS experience so far. Only thing is I am still waiting for my travel credit 3 weeks later. C1 says it can take up to 2 billing cycles but lots of reports of people having issues with the credit.

[akanda_omo]

My advise is to keep trying the pre-approval tool. Once you’re pre-approved for the venture card, you will most likely be approved for the Venture X

[The_Sober_Russian]

I just got my Venture X a couple of weeks ago as my 11th card.

Last card I opened was back in Aug 22. For me, this card is the most affordable way to get into the premium travel card space without dealing with the headaches of having a Platinum card while being a better value proposition than the CSR.

[Tyluh]

Data point:

bought a new car November 2022

Opened Savor one November 2022

Applied for venture x February 2022 (showed pre approval for all cards) approved for 15, 000

credit score was 687 at time of approval now at
6/24 TransUnion
3/24 Experian
3/24 equifax

[brucelaw]

Data point

22 personal cards when applied
Had a old capital one quicksilver rarely used

Also had a capital one bank account for three years

Approved with 820 score

November 21

[PointsPrecision]

Great video as always, but one thing I would add is that Capital One doesn't let you upgrade or downgrade as freely as other issuers.

There usually has to be an offer for an upgrade or downgrade on your account before they'll let you change to a different card, so there's still a risk of having to cancel.

[OfficialEricGao]

The Venture X has been amazing for me, and definitely an amazing card and deserving of card of the year.

[SamGatiNHO]

Credit score 707, income 135, 000/yr, prior cc 7, and still I got approved for the capital one venture X on my first try.

[geekspeak]

Capital One’s business strategy used to be sub prime. They have been working the last 10 years to Chang that. Last year was the Venture X release and then will be the launch of there concierge experience after acquiring Velocity black. They are absolutely making moves against AMEX.

[bbfreak]

DP, I applied for this card in Oct 2022 but was denied, but applied for the Venture the same day and was approved. Fast forward February 2023, applied and was approved for the X. P2 already have the X and loves it, and by comparing to other premium cards, the X keeps it simple and will actually pays you back just to keep it. Win win in my book and a keeper!

[lewis]

Got denied also for the same thing. There was a sweet spot when folks like us were getting approved. My mistake was thinking CAP1 was changing the profile for this card, so I put off appying untillit was too late.
I think they hit the number of applicants for people with many cards or many credit lines.
Awesome cameo Mandy👊

[Mitchell]

I applied for and got approved for my VENTURE X card yesterday. I have a Credit Scores in the 800s, I never carry a balance on any of my cards for more than a few days, and my income is roughly $195K annually. I have a Delta Amex Reserve, Amex Platinum, Alaska Airlines Visa, Barclays Mastercard, and a Visa through my bank (USAA). I was approved with no issues at all.

[davinchee]

applied and got approved with your link! thanks for all you do seb 🎉

[lifemakesmelaf]

Just as a heads up to anyone looking to downgrade then upgrade like mentioned in 12:53. There's a chance that the request to upgrade back up to a Venture X might not be honored.

Last year, I upgraded from the Venture card to the Venture X then downgraded to Venture One with the thought that I would reapply for the Venture X to get the signup bonus. I would have downgraded back to just my previous Venture but that downgrade path was not allowed.

Eventually, I decided to apply for the CSR and get that sign up bonus instead so I tried to upgrade my Venture One back to a Venture X and was denied.