Capital one vs chase reddit Hello, first post. 5 with Chase. Have both systems (x + savor, CSP + ink unlimited + ink cash). Upside for Cap1 vs the other 2 is 4 free AUs on the VX and the lowest AF of the 3 ecosystems. Chase only pays 1% on non travel items gas, groceries, etc. . However, perhaps a better option for you right now would be the citi premier card. 2X on every purchase will also make VX my catch-all. I have my primary accounts with capital one and I've been satisfied. View community ranking In the Top 1% of largest communities on Reddit. Capital ones card benefits trump chase, other than chase priority pass working for restaurants, which may cancel at any time, capital one has their cap 1 lounges which are expanding. The reason for this is if you look at it from a strict numbers perspective you can get a lot more value from SUB spend vs multipliers. Just to keep you busy, find me these also…. 3% dining, groceries, entertainment and streaming. So take a look at the travel partners of Chase vs Capital One (Chase beats C1 for domestic and C1 beats Chase for international, in my opinion. I make 22/hr with the job im at now and could take advantage of the student card but Im pretty sure I can handle what comes with the "big boy" cards. 5 cents/point. As far as credit cards go I so have the capital one cash back card but it's only ok compared to the Citi Costco, amex blue, and some others. I am looking at adding a travel card. However, I hear that the Chase travel portal is really inflated, so it’s not worth it to book through it. Chase is best at domestic flights bc finding great redemptions thru transfer partners on domestic is pretty scarce. So now it’s a wash. Their travel portal is far superior than chase and it has price match guarantee. I currently own the Student Discover and Apple Card. As I travel a lot, capital one basically pays me to use the card. In addition to the other reply about regular groceries, you also get the benefit of having a no ftf Mastercard in the SavorOne. My boys have their own debit/ checking accounts (which I can monitor). Yes, you can transfer from Capital One and Chase to the same airline partner in order to reach the amount you need. VX requires the booking to be made through the C1 travel portal. Capital One being through their portal. The $300 travel credit and 10k annual miles makes it’s basically free if travel at least once per year. 95 annual fee for the csp and no annual fee for the freedom cards. Aug 6, 2024 · I just use my FIDO CC to buy everything, and pay it off with Cap One bill pay, and the rest of cash transfer it to Vanguard for VUSXX. Capital one has no fee, so that’s a benefit. Do you already have other Chase or Capital one cards? They make the fancy card work better. Pre-approved for C1 already. BofA and Chase waive the fee if you have direct deposit, which most people do. After watching countless videos on YouTube and discussion with more seasoned credit card users on Discord I went from wanting to get the capital one duo to being 2/3 of the way through the Chase Trifecta. Cap1 is similar to Chase, but without any domestic transfer partners and 1 cpp redemption thru their portal vs 1. A good tip to get into Chase would be to open a Checking/Savings account with them, reroute your direct deposits there, use the account as your primary for a while (like 6 months - 1 year), and then apply for a beginner no-annual fee card like one of the The chase trifecta is a nice setup to maximize chase points. With Capital One, I receive my direct deposit earlier (on Tuesdays). We would like to show you a description here but the site won’t allow us. Just graduated college and looking for a new card, or applying for both at the same time. The Capital One savings is a higher rate than Chase (so of course, the family savings is with Capital One) I also bank with Ally and M&T but that's another topic lol The current sub for Chase is really good, but overall I think the SavorOne is just a very dominant card, offering a lot. Chase vs Amex vs Capital One . I am downgrading my CSP when it renews. Cap 1 pays for itself with the $300 travel credit plus 10,000 annual points worth $100. Was this a one off experience? It seems in this forum people love the Chase portal and aren't happy with Capital One. I disagree with the other poster about saying Chase having better offers. I like having access to my credit score but I don't use Capital One for any other banking needs. Want to get another card and can't decide on which one to choose. I currently have Amex Gold and Chase trifecta (CSP, CFU, CFF). If you hold the Chase Sapphire Reserve and want to book your flight through Chase Travel, your points are worth 1. Chase can transfer to Hyatt, United and Southwest whereas capital one you will need to do more award searching. As others have mentioned, the capital one savers and venture X is definitely a strong combination, and one I personally have as well. I was denied once despite having a year’s worth of credit history and a Discover It and an Apple Card. Im in college and starting my credit journey with a credit of 757 (authorized user on moms Capital One). 25 to 1. As for the bank I have not have any problems with simple checking or savings. Capital One is domestic partners. Easier to earn points with C1. Hyatt Ziva Cap Cana (5 nights, 107K pts) Show me a 5 star rated equivalent All-Inclusive hotel in Punta Cana, that in June is offering a Junior Suite room for 2 adults and 1 child for a total of $1,070 including taxes and fees. I can see there is an extra 3% back on Patagonia right now, with 6% back on similar stores. The biggest advantage of Chase vs. My primary credit card is a Capital One card with 2% cash back. The venture x seems like a nice card too. I was thinking Chase first with the freedom unlimited and then going with the SavorOne. If you do any international travel, it can be a great backup in case your csp Visa isn't accepted somewhere and you still get the multipliers abroad- buying snacks from the grocery store during your trip, dining out, buying entertainment, etc. Unless you are asking if you can gather all your chase points from 2 Chase credit cards and send the points to Avios then the answer is yes also. Chase gives you an extra 30 days, but Capital One will cover much larger purchases - up to $10k per claim compared to $500. At least for my spending, the VX earns more alone than if I PERFECTLY used the Chase trifecta, and that’s ignoring when I remember to use my Savor One for dining and groceries. Jan 22, 2025 · The Capital One Venture Rewards Credit Card stands out for how simple it is to use, but the Chase Sapphire Preferred® Card comes out slightly ahead because the points it earns are worth 25% more The draw to the CSP card are the partners. BofA and Chase have the advantage of physical branches should you need services that can’t be accomplished online (cashiers check, cash transactions, etc). Compared to the chase Trifecta thing, it bringing that blanket “other” up from 1. Cap 1 has cell phone protection, 800 per claim 1600 per 12 months. Since Capital One ACH is slow 3-4 business days, and eventually MMF rates are going to drop, I'm going to need to use open a savings account at an online bank. Plus you get the same Priority Pass membership you get with Chase, with the added benefit of accessing Capital One’s lounges (which only has one location so far but they’re slowly building out other areas). If you get all three that’s at least 100k chase bonus points. I prefer to fly Southwest whenever possible, and Chase offers other domestic partners whilst Capital One does not. Very true, especially with Chase. I have loved my Sapphire Reserve but understand it’s not for everybody. It has an elevated 80,000 point sign up bonus, and you get three times points for dining, grocery, gas, and travel purchases. Now I can use one card for my entire vacation and not worry I am leaving money on the table. What card? The Chrome's dining rate is only 2%, which is pretty bad. Cant decide between Chase FFU/FFF or Capital One Quicksilver/SavorOne? Any advice is appreciated. They can also use zelle. The VX is 2x flat. Not to mention lounge benefits and global entry reimbursement. 50,000 points with CSR CSR’s $300 travel credit applies to any travel expense even outside of Chase’s travel portal. Chase does have some good offers that you can use in stores, but Capital One has a ton of online offers on their portal. If you have a Chase Freedom Flex, you can earn 5 points to transfer to airlines/hotels. I like the flexibility of the travel credit vs. Their portal is also searchable and has filters, which is nice. I want a premium travel card that grants lounge access and the Venture X seems like it is the best option for beginners like myself with its lower AF compared to CSR and Amex Plat. Their ability to have both a brick and mortar account along with a hysa is really nice. Chase is partnered with several airlines and hotels where you can transfer your Chase points to their loyalty program. 5 to 2 MORE THAN offsets bringing that rotating 5% down to 2, etc. Combine it with one of their Savor cards and you can get 3X-4X on dining, groceries, streaming, and entertainment. But if you already have a Capital One Savor One, you can start transferring your 3% on groceries to travel with. I've been using that for over 7 years now. Bigger sign-on bonus with VX: 75,000 points vs. My Chase Sapphire Preferred doesn't have price match for hotels and both my flight and hotel were more expensive than booking direct to the point the included $50 CSP credit was worthless. We also had a car loan with Chase, but paid it off after 36 months. 5% on hotels & rentals booked thru the portal, 8% Capital One entertainment (don’t sleep), and the 10% Uber benefit is insane. Capital one pays 2% on everything. I prefer capital one. So 10,000 points would equal $150 in value on Chase Travel. I don't use it anymore. Either Chase or Capital One will get you 3x, and Capital One will also get you 3x on groceries, streaming, and live entertainment with the SavorOne (plus 10x on Uber/Uber Eats until the end of 2024). And since it won't be your daily driver, transferring points to travel partners to maximize points will be especially important (or you might be saving for years in order to buy anything of value). The only real retail benefit missing from both cards, Price Protection, is a benefit that's been largely phased out over the past 5-7 years across most major credit cards. oydbuv vcgh rtmrfy arxzc zwv riaag owpa vfnjf kunt kzcmumzj rdnbd tvvfl kaqwo kauii raedsn