The ULTIMATE Capital One Credit Card Tier List

Рет қаралды 22,484

Күн бұрын

Use Code 'Magnified' to get a 14-Day FREE TRIAL from our Sponsor Aura: aura.com/magnified
Check out my FAVORITE Cards HERE: magnified.reviews/Favorite-Cards
Click “Show More” to see my Favorite Financial Tools
▽MY FINANCIAL TOOLS▽
🏦 SoFi Complete Money Management
➤ Checking & Savings - magnified.reviews/SoFi
➤ Credit Card - magnified.reviews/SoFiCreditCard
➤ Invest - magnified.reviews/SoFiInvest
➤ Budgeting - magnified.reviews/SoFiRelay
----------
💰 Chime Fully Online Banking
➤ Sign-Up for Chime HERE: magnified.reviews/Chime
➤ Chime Credit Builder HERE: magnified.reviews/Credit-Builder
----------
💳 Favorite Credit Cards
➤ Chase Sapphire - magnified.reviews/Sapphire-Pr...
➤ Capital One Venture X - magnified.reviews/VentureX
➤ Chase Ink Business - magnified.reviews/Ink-Business
➤ Amex Green - magnified.reviews/Amex-Green
➤ Amex Platinum - magnified.reviews/Platinum
➤ Amex Business Gold - magnified.reviews/BusinessGold
----------
📊 Wealthfront Automated Investing
➤ First $5,000 Managed for FREE - magnified.reviews/Wealthfront
----------
💵 Current Card
➤ Current | Modern Banking App - magnified.reviews/CurrentCard
----------
📸 MY CAMERA GEAR
➤ My Camera: magnified.reviews/Camera
➤ My Microphone: magnified.reviews/Microphone
➤ My Lights: magnified.reviews/Lights
Capital One has 30 different credit cards so today we're going to make the ultimate tier list of every capital one credit card to help you figure out which one is best for you starting with one of their most popular products the Quicksilver rewards card.
First, you've got the standard Quicksilver which has a $0.00 annual fee and offers you 1.5% cash back on all of your purchases with an intro offer of 3% unlimited cash back for your first year. It's the best of the five Quicksilver cards but 1.5% back is not great compared to other products on the market so the standard Quicksilver goes in the B tier. Similarly, you have the Quicksilver one card which gives you the same 1.5% cash back on all of your purchases but has a $39 annual fee and a higher interest rate since this product requires just fair credit according to Capital One while the previous product requires excellent credit. Again not much to love here so the Quicksilver one goes in the C tier.
Speaking of getting this card without great credit, they offer the Quicksilver rewards for good credit which again gives you 1.5% cash back for a $0.00 annual fee but in this case, you aren't eligible for the 0% intro APR which shouldn't matter if you're using this card properly so this one also goes in the B tier. If you're starting from Ground Zero and have little to no credit history then you can get the Quicksilver secured card which requires an upfront security deposit of at least $200 for the same 1.5% cash back and no annual fee but I'm not a fan of secured cards personally so this one goes in the D tier.
Last but not least we have our final category which is the venture card category which includes my favorite credit card from Capital One. But before we get to that we have the original venture rewards card which gives you unlimited 2X miles per dollar spent and a 75,000 mile bonus once you meet the spending requirements all for $95 per year. This does require excellent credit but I love the capital one travel portal, I've been able to redeem points for three to five cents per point which is the equivalent of 6 to 10% cash back since you're earning 2 points per dollar and that means I'll be putting this card in the S tier.
We have covered 29 of the 30 products from Capital One but lastly we have my favorite Capital One credit card and the product that I carry with me every single day which would be the capital one venture X card. This is one of the newest products from Capital One and is obviously the premium version of the venture lineup. It does come in at $395 per year which I know is way more expensive than any of the products we've looked at today but that's actually on the low end of premium travel cards and for that annual fee you get 10 miles per dollar on hotels and rental cars booked with Capital One, 5 miles on flights and two miles on everything else and the list goes on so it's no surprise that I'll be putting the venture X card in the S tier.
0:00-Quicksilver Cards
2:48-William-Sonoma Cards
3:36-Spark Business Cards
8:05-Miscellaneous Cards
9:50-Savor Cards
11:43-Venture Cards
14:13-My FINAL Thoughts
Magnified Money may receive compensation for sending traffic to partnered sites. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers.
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Пікірлер: 43

@phoenixfats1190 Жыл бұрын

Savor One is S-Tier, No AF, No FTX Fee, Intro APR, and Intro Bonus. If you spend 20k+ in the 4% categories of the Savor card, S-Tier (9500 is the break even point) is correct. Venture and Venture X both S-Tier.

@GymWorkoutsF1 Жыл бұрын

Yea that made no sense to me lol, how is it S-tier and the no AF goes to B tier when it would cost $9500 for the cost to be justified 😂

@JeffreyAlvarez1 Жыл бұрын

Im grandfathered in to the savor rewards paying no fee. Gotta love that.

@Ryan-iq2zd Жыл бұрын

If you have the Chase Trifecta (preferred, unlimited, flex) and the Amex Gold. Would you still get the Venture X?...or is that too many different platforms? If not the Venture X, I was thinking about a hotel card. Either Marriott Boundless or Hilton Surpass. I appreciate any feedback...

@pchygrl17 9 ай бұрын

Great vid!!!

@aidanthompson8736 Жыл бұрын

Savor One for excellent credit like I have also has a $200 bonus when you spend $500 in the first 3 months. Definitely an A or S tier card to be honest. Other than that, great vid

@Soultilt89 Жыл бұрын

i feel like the savorone card with the sub deserves s tier aswell and the good credit one A Tier but other than that completely agree with your analysis reason being some ppl don't spend enough to justify the annual fee in the upgraded dining/streaming/entertainment categories.

@akin242002 Жыл бұрын

The SavorOne or Savor card is great for die hard sports fans. Numerous 49er fans use it while traveling to different NFL 🏟 stadiums.

@MVXIMUS14 Жыл бұрын

Great video! Only thing that I would have added is the fact that the cash back rewards on the Savor products can be converted to miles, so the Savor/SavorOne cards give 3-4X miles in their categories, which is incredibly competitive with cards like the AMEX Gold and Citi Premier.

@WilliamschmidheiniJR Жыл бұрын

I wish more cards allowed transfer of cash back like with Chase and Amex

@jacklee1973 Жыл бұрын

You should do this with US bank credit cards!

@fbx03 Жыл бұрын

Quicksilver at 1.5% being ranked below Venture one at 1.25 percent doesn't make much sense to me..also, savorone should be one grade higher as there's no foreign transaction fees for it

@Ragnar0321 Жыл бұрын

They have the world WORST names on credit card.

@namenamed4992 6 ай бұрын

I am thinking of applying for the savor one as my spending has been entertainment and dining oriented recently. This is the first video that suggests the quicksilver is valued the same as the savor one, and puts the savor card into S tier. I already have the quicksilver, but I really doubt 1.5% cashback on everything is the same as 3% back in certain categories, as to why I would want the savor one. I do not see the annual fee savor card being a worthwhile compared to savor one.

@REAL-UNKNOWN-SHINOBI 11 ай бұрын

How do I figure out which Quicksilver card I have?

@official_darick Жыл бұрын

This are all good credit cards. Adding the Reef Chain card to the list of your cards to review will be very nice. The Reef card is one of the card that has constantly given out value to its users.

@coblad2927 Жыл бұрын

which card is better for gas, food? i have 690 credit score

@HungTangOfficial Жыл бұрын

I love the Venture X. Got mine back on November. My next card I want to get is the Savor to compliment with the Venture X. I'll wait 6 months until I apply for the Savor. I'm stuck between the $95 annual fee for the 4% dining or get the no fee for 3% dining.

@andrewcause25 Жыл бұрын

You would need to have at least $9,500/year in spend on dining, streaming services, and entertainment to justify the $95 annual fee as the only difference is the extra 1% cash back earnings for dining/streaming/entertainment.

@AdamBA380 Жыл бұрын

I was about to say the same thing as Andrew. If you’re not sure you’ll spend over $95k in those categories then the SavorOne will give you more surefire value. Also worth noting that the Savor cannot be downgraded to the SavorOne.

@Anthonyjones-pq4ff Жыл бұрын

Can you be upgrade to the $95 savor card from the no annual savor card ??? Second question can you product change from quick silver card to a venture X card $95 or $395.

@AdamBA380 Жыл бұрын

@@Anthonyjones-pq4ff I couldn’t speak definitively to your first question, but regarding doing a product change from the VX to a Quicksilver, I currently do see that option in my account (other options are the Venture and Venture One). Cap1 are funny with their product change options. They tend to cycle through them over time.

@patfisher3004 Жыл бұрын

Just do the Savor 1. Compliments my VX miles nicely when only used for groceries and dining without an AF.

@johnmckinstry6057 Жыл бұрын

For the most part, I agree with the rankings on where you have placed the Capital One cards. The only thing I would have done differently is I would have put all of the SavorOne cards into the A-tier. The reason is they all earn 3% back and for many people, they would make more sense to have over the Savor card with the annual fee. In order to benefit from the 4% rewards on the SavorOne card, it would require an annual spend of more than $9,500 in the 4% categories.

@zacharymerkel4732 Жыл бұрын

I agree with the placement but you did your math wrong. It's $2350 yearly to make the savor card worth it, that's for the $95 annual fee to be justifiable

@MichaelMcNeeley Жыл бұрын

@@zacharymerkel4732 no, you’re not considering the the opportunity cost. Spending $9,500/yr on dining/live entertainment/streaming is the break-even vs SavorOne. If you spend less than that, the net gain is higher on SavorOne. And let’s be honest, the vast majority of us don’t spend $780+ per month on those categories.

@TheQuickyouknow Жыл бұрын

Agreed. Getting a Savor card over the SavorOne is silly for 99% of the population.

@509Jedi 11 ай бұрын

I agree with this guy. Unless you spend over $9500, the Savor is not worth it.

@andriklira956 Жыл бұрын

Aren’t we only able to have 2 capital one credit cards?

@mathewanaya2757 Жыл бұрын

Quick question, I applied to the Discover It and got approved with a $500 credit line. The thing is, I meant to apply to the Secured Discover IT. This would be my first card, is this a bad thing? I'm 18 in my first year of college and wanted a credit builder first. Do I apply to both? Keep this one and move to chase? Thanks in advance.

@WilliamschmidheiniJR Жыл бұрын

Don’t apply to both, not a bad thing at all. You just skipped the 6 month phase of secured cards and graduated. Pay on time and in full and you’re good to go. Secured cards are in your past now

@chrisurena2490 Жыл бұрын

could you do chase vs bank of america to see which one is the better option?

@akin242002 Жыл бұрын

Unless you take advantage of Merrill Edge investing benefits, Chase wins easily. Better credit cards, better checking account, and better funds (Fidelity) for investing with Chase. With ME investing benefits, you get additional credit card points the more money you have with Merrill Edge. However, their Index mutual fund list is mediocre and no fractional shares for ETFs. You could use cheap per share Schwab ETFs, but most people just pass on it all together.

@Jbsmuv95 Жыл бұрын

This is great it helps a lot of people to see the differences because it can get confusing. I use the quicksilver secured card because I’m building my credit back up it’s good for that and the cash back. Also next you should do best credit cards for gas I would love to see that. Thanks for all you do!

@benjaminwolf9801 Жыл бұрын

Slight correction on the Key Rewards cards. They are not 4% cash back, but 4% back that can be used at Key stores such as William and Senoma.

@benjaminwolf9801 Жыл бұрын

Also the Savor card gives 4% on dining out and streaming, but not groceries (still 3%) so the $95 annual fee is not worth it compared to the savor one, unless you spend $800/month between dining out and streaming then the savor one is more profitable. $800*12 = $9,600 Savor = $384 rewards - $95 AF = $289 Savor One = $288 rewards (no AF)