Why the Capital One Savor One Beats the Amex Gold Card
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Күн бұрынIs the Capital One Savor One better than the Amex Gold? In this video I go over which card might be more valuable for you. Both cards are great for dining and restaurant purchases. However although they have similar reward multipliers, they are for different people.
I will cover the annual fees, sign up bonuses, benefits/credits, and pros/cons of both cards to help
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0:00 Introduction
1:03 Reward Multipliers
4:40 Earning Points Breakdown / Break Even Point
6:26 Arguments for the Amex Gold
9:39 Conclusion
@AdamBA380 Жыл бұрын
I live in the UK I can 100% confirm SavorOne earns 3% on all the relevant categories while abroad.
@MarkBacera Жыл бұрын
Thanks for the info for us expats!
@ChaseYokoyama Жыл бұрын
Perfect! 👍🏽 thank you so much for confirming this Adam. MYSTERY SOLVED! 🙏🏽
@fluffywarhampster Жыл бұрын
That really bumps cap one up a notch for expats since all cap one cards are free of foreign transaction fees
@AdamBA380 Жыл бұрын
@@fluffywarhampster it certainly did for me! It’s the only multi-card flexible-point setup from a major bank that’s really viable. Despite the Amex gold not having foreign transaction fees its multipliers and credits are too US focused for it to make any sense over the SavorOne/Savor.
@fluffywarhampster Жыл бұрын
@@AdamBA380 amex acceptance is also far more questionable abroad than in the us. I have a gold card and I doubt when I got to Japan later they year it will get any real use
@Wongo150 8 ай бұрын
I had the Amex gold and just switched to the savor one. Major reason for me was the ability to transfer the cash back from savor one to my venture x and a no annual fee. I like things being as simple as possible and the savor one does that for me. I don’t have to worry about using 20$ of credit every month that I don’t naturally use with the Amex gold. And I don’t have to worry about transferring points out. Everything is in one system and I can use accordingly.
@scoeroyal2768 Жыл бұрын
Great video Chase. I got this card last month and will pair it with the Venture X later this year for my bi-fecta.
@ChaseYokoyama Жыл бұрын
Very nice setup 👏🏽 Congratulations on picking it up!
@Th33Vultur3 Жыл бұрын
Even though I got a $500 low limit, I applied for the savor one. I shop mostly at Walmart supercenters and over there I will use the blue business plus since its 2x points up to the spending limit of $50,000 a calendar year. For dining, I can use my American express green card, or the savor one or the chase freedom unlimited. Regardless of what card I use, it's 3X. For groceries, I can use either the no fee everyday, the blue cash every day or the savor one. Depending on if I want points or cash back. This is the reason why I never upgraded from green to gold.
@MattWelterOfficial Жыл бұрын
Great comparison video here Chase! The Savor One Card could definitely be the way to go for people who still want exposure to those Dining & Grocery Stores but don't want to pay an annual fee or can't get full value out of the Credits on the AMEX Gold.
@ChaseYokoyama Жыл бұрын
exactlyyyyyy 🙌🏽 Just because the Gold card may be talked about more, it doesn't mean its the better card for everyone
@andrewilliams3265 Жыл бұрын
Great video Chase 👏🏾 I agree with your overall assessment, in general the Amex Gold card is a better option if you’re willing to use the credits and that the points are generally worth more. I think the Savor card is targeted towards people who just want to “swipe and go”, and not have to put a ton of effort into their spending strategy. I love to gamify my spending, (I’m a nerd) so finding ways to tweak my spending to get addition value is rewarding.
@ChaseYokoyama Жыл бұрын
Agreed with the "swipe and go" statement. 👌🏽 Its the simple solution. Thank you for watching Andre 🤙🏽 Don't worry we are all nerds here
@yvjyang 11 ай бұрын
Great video Chase! It’s gonna be the Savor One for me! Sometimes simplicity > complexity! Although I do think that the 4x dining is crazy busted, I enjoy the no AF on the Savor One and the idea of not looking to use all of the credits the AMEX Gold offers to justify its AF. I definitely think that the Savor One is one of the best no AF cards out there on the market!
@ChaseYokoyama 11 ай бұрын
I agree. The Savor One is definitely one of the best no AF cards out there right now. Also sometimes it is better to have simplicity > complexity 👌🏼
@danieljosuefontanez-irizar8533 Жыл бұрын
I live abroad doing my doctorate degree. The Savor One definitely counts for the 3% grocery.
@ChaseYokoyama Жыл бұрын
awesome! 🙏🏽 thank you for sharing that
@austinguerra8570 Жыл бұрын
Have the savor one and it’s amazing, I use it in the US and Mexico 🇲🇽
@ChaseYokoyama Жыл бұрын
That's great to hear Austin! 🔥
@MuscleMan500 2 ай бұрын
You guys have computers over there in mexico??
@DugrozReports 10 ай бұрын
I liked this video. Good to meet you this weekend!
@ChaseYokoyama 10 ай бұрын
Thanks! And it was great to meet you too! I hope that pizza was solid at the Aria.
@DugrozReports 10 ай бұрын
@@ChaseYokoyama I had the meatball sandwich, but it was really good!
@admistyt 10 ай бұрын
I think for the average person the savor one is best just because you really can’t go wrong with it at no annual fee, plus you get some sweet perks like an Uber one membership. Pair this with the venture x and it’s a pretty good combo
@ChaseYokoyama 10 ай бұрын
BIG facts.
@1drummer172 Жыл бұрын
I just spoke with the Rewards department at Capital One; the 10% Uber cash back and the Uber One statement credit is US only. When you’re outside the US Uber One is not active and the 10% cash back is hit or miss.
@ChaseYokoyama Жыл бұрын
Thanks for letting us know! 👍🏽
@fogrunr5075 Жыл бұрын
Invest with both banks. Use both cards. VO & SO. Gold Card.
@geoffreysegarra3684 Жыл бұрын
Gracias por la info!
@ChaseYokoyama Жыл бұрын
de nada! 🙌🏽
@callmeNeno Жыл бұрын
I have Verizon Visa Signature for groceries, dining and gas very underrated card
@ChaseYokoyama Жыл бұрын
true. it has solid multipliers and those verizon dollars can come in handy for your cellphone bill 📱
@billwright2176 Жыл бұрын
The Chase CFU or CFF with the grocery bonus that's about to disappear seems pretty good to me. At least for bonus year.
@ChaseYokoyama Жыл бұрын
Yuh that bonus is fantastic 👌🏽 if only it weren't limited 😮💨
@yami-kay9099 11 ай бұрын
My guy. You mentioned uber for the gold card but savor has an amazing offer for uber until November 2024. Uber one statement credit making it free until the promotions over and 10% cash back until then too. So good
@ChaseYokoyama 11 ай бұрын
Very true. That promo with Uber on the Savor one is super helpful. And honestly if you have both cards the Uber benefits / credits complement each other so nicely.
@jimmyjames6492 Жыл бұрын
AMEX Gold. Thanks for the info + video!
@ChaseYokoyama Жыл бұрын
That's my preferred card choice as well! 👏🏽 Thank you for watching as always Jimmy 🤙🏽
@michaelsullivan1632 Жыл бұрын
It’s not ironic, it’s math. Love the breakdown. Seems like AmEx Gold is the way to go if those dining and Uber credits fit into your lifestyle already or if you spend a ton each year.
@akin242002 Жыл бұрын
Definitely if you have a family and travel, the Amex Gold is the better choice. Without traveling, the Capital One SavorOne card is the better choice. College students attending their local state university, single working adults without kids, and people who don't leave their state would benefit the most.
@ChaseYokoyama Жыл бұрын
Thank you Michael 🙏🏽
@ccb6013 11 ай бұрын
Savor got my vote because I'm only a little over a year into the CC game and am not adding annual fee cards yet. Capital One gave me a very pleasant surprise by approving me for a $10k limit.
@ChaseYokoyama 11 ай бұрын
ooo lets goooo! Congrats on that $10k limit. With all that credit, dinner is on you! You made a great choice because the Savor One is perfect for a no annual fee setup.
@ccb6013 11 ай бұрын
@@ChaseYokoyama I was so shocked! I've heard about Capital One being stingy and handing out $300 limits😆
@tonysoprano655 6 ай бұрын
Damn I just got Savor with a 2K limit 😢
@SirBrucie 27 күн бұрын
I got 15k , started off with platinum 300 cl, quick silver 800 cl and now savor one 15k cl.
@livefreevinnie Жыл бұрын
I’m very happy with my Quicksilver & Venture Card combo.
@ChaseYokoyama Жыл бұрын
👏🏼 Thank you for sharing! It really is a viable combo for sure
@Ragnar0321 9 ай бұрын
I wish credit card influencer would differentiate walmart from walmart neighborhood markets. Walmart super center don’t count for groceries but walmart neighborhood markets does count and that’s a big oversight every credit card channel always fails to mention.
@bionicwoman9884 4 ай бұрын
nice to know😊
@rkla887 Ай бұрын
I dropped the Gold Card in my AMEX trifecta. I picked up the Savor One then got the Venture X for a year. Once I received the sign up bonus I downgraded to Venture One so I can access the transfer partners of Capital One. Amex and Capital One share the same transfer partners I value so it was a easy choice for me to switch from the Gold to the Savor One
@ChaseYokoyama 26 күн бұрын
that savor one and venture x are great pick ups
@phillysnowguy Жыл бұрын
I’d imagine for most Americans the Capital One Savor One is the better choice, but we live in a city with no car…so having the credits from Amex works well for us. Plus we spend a *lot* on groceries and $25000 is a huge cap. We still don’t hit it. Both are great cards but for the unusual case we’re in, the Gold Card is the best.
@ChaseYokoyama Жыл бұрын
Thank you for sharing! 🙌🏽 That makes sense for your situation. Of course you don't have a car. You're the Philly Snow Guy! You can't enjoy the snow from the inside of a warm, metal container! ❄️ 👏🏽
@curmudgeonextraordinaire1884 Жыл бұрын
The Savor One is giving 10% back on Uber until the end of 24
@fogrunr5075 Жыл бұрын
A good question to ask is: Why doesn't American Express offer a no foreign transaction fee groceries card? I got SavorOne before I had any American Express card.
@ChaseYokoyama Жыл бұрын
Capital One and their no foreign transaction fees are VERY clutch 🔥
@riderskater7248 Жыл бұрын
Capital One has really up their game in terms of offering rewards cards. I'm of the opinion it's smart to have both the SavorOne Rewards card and the American Express in your wallet.
@ChaseYokoyama Жыл бұрын
Definitely a viable setup to run for sure 👍🏽
@riderskater7248 Жыл бұрын
Capital One is no longer a subprime company. They put out high end cards. My SavorOne Rewards card is better than my Chase Freedom Unlimited card. Amazing.
@ChaseYokoyama Жыл бұрын
It really is quite a comeback 👏🏽 I hope they don't let off the gas.
@MannyCovington Жыл бұрын
I think if you can use the credits, the AMEX Gold still holds weight, especially with AMEX offers
@ChaseYokoyama Жыл бұрын
Agreed. Those credits are holding up the card 🏋🏽♂️
@Jiggy609 Жыл бұрын
Offers are primarily for retail though, aka stuff you don't need
@APeeKay Жыл бұрын
Like my AmEx gold, but noticed that the dining/restaurant category is not broad enough. I do have a significant spend on non-chain local cafes, bakeries, etc., which can be sit-in restaurants, but do not get 4X back. To make matters worse it is either 4X or 1X. I tend to use my Hyatt Visa or Venture X when in doubt at such establishments. Don't have Savor One. Hoping to get it one day, and hope it has a broader definition of dining.
@ChaseYokoyama Жыл бұрын
Thats amazing self awareness on your part tho 👏🏽 imagine if you never caught on. Would've been getting only 1x the whole time 😳
@APeeKay 10 ай бұрын
One other nuance is that AmEx cards are not as widely accepted globally. Even some local small non-chain restaurants do not accept it. A lot of my dining expense is during international travel.
@holmesqualityproducts 10 ай бұрын
I have a lot of cards and like both of them but I feel the Amex has better customer service and purchase protection. I use the Uber credit and Doordash most the time and pick up food on my way home so its easy to use the credits for me. Both are great though.
@ChaseYokoyama 10 ай бұрын
Using those food credits for pickup is the best way to use them. It's smart that you make it convenient for yourself too by picking it up on your way home.
@aviationandotherstuff6571 Жыл бұрын
I heard that you can move SavorOne rewards to Venture X rewards over the same account effectively combining the multipliers of both cards and booking travel with the combined points But, I called C1 and they said such a transfer is normally not possible. Does anybody know what the actual answer is?
@RedTach Жыл бұрын
I just got the SavorOne recently and was able to move its rewards over with no problem. However, I had to use the webpage to do that as it seemed to be missing in the Capital One app options.
@bobmemer9062 Жыл бұрын
When applying for the capital one savor card, which credit bureau do they pull from?
@ChaseYokoyama Жыл бұрын
Capital One tends to check / use all 3 credit bureaus. They do not heavily use one over the others
@IkaikaArnado Жыл бұрын
The break even for both cards in their max multiplier category is $18750 (or an average spend of $1562.59 per month). Afterwhich, the AMEX Gold earns more than the Savor One, till a yearly spend $27083.34 (or and average spend of $2256.95 a month) afterwhich the Savor One earns more due to the $25k cap on the AMEX Gold. Thus, the Savior One earns more for those with yearly spend under $18750 or above $27083.34, AMEX earns more for the sweet spot between. This obviously only accounts for points earnings through multipliers that assume both are worth 1¢ per point. It also doesn't account for sign up bonuses.
@babybabibaby Жыл бұрын
I use the Savor One in my home country groceries, and get 3%
@ChaseYokoyama Жыл бұрын
perfect! thank you so much for letting us know! 🤙🏽
@mehran888 4 ай бұрын
Please tell us which country
@carlosvillanueva6421 9 ай бұрын
It's rare if amex does 1 to 1 conversion. I have both cards and tbh, the value comes from the savor card. Even if the gold had a zero annual fee, the fact that it's rare to get 1.1 (unless you're traveling out of the country) the savor card still comes out ahead imo
@Ryan-iq2zd 2 ай бұрын
I’m debating on getting the Citi premier (Strata now) and the custom cash, but perhaps getting the Savor One might be the better way to go to pair up with my Venture X? Thoughts?
@ChaseYokoyama 2 ай бұрын
Would you consider getting all of those cards too? I understand if you want to just stick to one ecosystem but if you can break even on the two annual fee cards (Strata & Venture X) then it might be beneficial to partake in both Citi and Capital One systems.
@Ryan-iq2zd 2 ай бұрын
@@ChaseYokoyama I do have the Chase Trifecta and the Amex gold card as well. Might that be too many eco systems?
@scarling9367 Жыл бұрын
Does anyone know if the Uber/Uber Eats credit combine if you have both the Platinum and Gold cards for the trifecta?
@ChaseYokoyama Жыл бұрын
Yes, the Uber credit combines from the Gold and Platinum 👍🏽
@scarling9367 Жыл бұрын
@@ChaseYokoyama Thank you, sir.
@brett233 Жыл бұрын
If you already spend money at those places that are part of the Amex Gold credits, then the Gold is the better option. If you have to force yourself to remember to use the credits every month, then the SavorOne is the better choice. The Amex Gold doesn’t give cash back either so you have to do more work to use the rewards. So if you want a simple card no annual fee to work against the SavorOne makes a lot more sense. Plus if you really want to do all the work against an annual fee and have real travel benefits, you’d be better off getting the SavorOne and Venture X over just the Amex Gold.
@ChaseYokoyama Жыл бұрын
Yes, very true! 👍🏽 The Savor one is the run and gun card. Pretty straightforward and less obstacles to go through.
@christiansanchez2227 Жыл бұрын
I think a better comparison would be the AMEX Gold and the Capital One Savor, the later has a $95 annual fee and offers 4% on all the categories except the groceries that stays at 3%…
@ChaseYokoyama Жыл бұрын
That's a good point. I choose the no annual fee Savor One however because that card seems to be a lot more popular than the $95 annual fee version.
@alexalatorre2574 Жыл бұрын
Chase trifecta vs capital one savor one & venture x?
@ChaseYokoyama Жыл бұрын
now that would be an interesting comparison 👀
@randycolborn8670 Жыл бұрын
Does the Capital One Savor work at neighborhood Walmart grocery stores?
@ChaseYokoyama Жыл бұрын
I don't know 100%. However I would lean towards it does NOT trigger the extra reward multiplier. You can test this out by charging something small at the store and seeing how Capital One reports it. Then you can find out if it earns the bonus points or not.
@randycolborn8670 Жыл бұрын
@Chase Yokoyama I don't have the card. Otherwise, I would try that method. I'm not going to even waste a credit inquiry or apply if it doesn't work there. Already have the Venture X.
@Stevecrawl624 6 ай бұрын
1% at Walmart but 3% back foodlion Kroger Publix lidal Aldi stores
@1drummer172 Жыл бұрын
Capital One announced yesterday that the 10% Uber cash back is not available outside the US.
@ChaseYokoyama Жыл бұрын
damn really? 😢 still a good no annual fee option tho.
@1drummer172 Жыл бұрын
@@ChaseYokoyama Yep. It now appears in my transactions here in Latin America. You’re right, it is still a great no annual fee, no foreign transaction fee card.
@LK_EBM Жыл бұрын
Have you been able to use 100% of your Uber and Dining credit? Do you consider it then a true value of "$240"?
@ChaseYokoyama Жыл бұрын
I have used all of it. But valuing it at the full $240 is always a debate
@kevinquezada669 9 ай бұрын
Wait you don’t get 3x at Costco with the savor one?
@ChaseYokoyama 9 ай бұрын
unfortunately the Savor One is a Mastercard and Costco only accepts Visa at this time.
@tawniholland3945 4 ай бұрын
Someone may have touched on this in the 172 comments prior to mine but just wanted to let you know that the 3% cash back at supermarkets with the Capitol One Savor One card does NOT include Walmart or Target. Just an FYI.
@ChaseYokoyama 4 ай бұрын
yes this is a very good thing to note. ✅
@chiefcaleb Жыл бұрын
Capital One will always be known as a sub-prime lender. Customer service does not compare to Amex at all too, but I'm happy there are options for those that wish to avoid AFs.
@ChaseYokoyama Жыл бұрын
I agree. Definitely hear more satisfactory customer service experiences from from Amex 😬
@reubenmorris487 Жыл бұрын
I had fraudulent charges on my Capital One Venture card. After waiting over an hour for customer service (during COVID early 2020) I just gave up and waited for the "system" to work. I haven't had one single issue with American Express and the BCP. American Express's online chat is fantastic as well!
@SuntaX10 Жыл бұрын
@@reubenmorris487 Man same experience with mine. I had a fraudulent charge with capital one quicksilver for over $1.4k during 2020. I was on the phone for 3 hours explaining to them that I am home and the charges are on the opposite coast. Of course the customer support in India can't understand that because they don't know how far it is. 2 years forward I had a fraudulent charge with amex worth $4k in a betting website and CS handled it within 15 minutes.
@nickimillennium 7 ай бұрын
Yes, I have both but admit I’m drawn to the Gold Card for its snob appeal. Presenting a Capital One Card just doesn’t have the same impression as an AMEX gold
@thegeneral1955 7 ай бұрын
@@nickimillenniumI know people with millions who use local bank debit cards. The way your card looks or what it says doesn’t mean too much.
@412foto Жыл бұрын
challenge though is that I think the Capital One transfer partners suck. So even if it can be a better point earner it is kind of useless if you can't do anything of quality with the points.
@LukesPointsandMiles Жыл бұрын
Im curious what you are looking for in a transfer partner? Cap1 has Virgin (Delta), British Airways (AA), Avianca (United) and Flying Blue (Air France / KLM) . Are you just looking for a major hotel?
@412foto Жыл бұрын
@@LukesPointsandMiles Guess I was not aware of the affiliations of airlines listed to other airlines. I knew British Airways but also in going to their website before wasn't able to see flights from AA domestically there (maybe I was doing it wrong).
@ChaseYokoyama Жыл бұрын
Transfer partners are a subjective topic. But i think its better to have Capital Ones transfer partners than nothing.
@bytechlife 4 ай бұрын
And a lot of times if you will get better redemptions by booking United flights on a Star Alliance partner like Avianca or Air Canada
@jermisious8737 Жыл бұрын
So, just forget about the Savor with 4% cashback on the same categories with a $95/AF ?
@ChaseYokoyama Жыл бұрын
yes that is an option! I wanted to focus on the no annual fee version to show you can get almost the same reward multipliers for $250 cheaper 👍🏼
@Doggieman1111 9 ай бұрын
Amex Gold doesn't give 4x on bars or breweries. And it has nothing to do with the merchant code.
@gregjones8800 Жыл бұрын
Do Amex blue cash everyday verse Savior one
@ChaseYokoyama Жыл бұрын
I'll look into it! Thank you Greg 👌🏽
@hoeoden Жыл бұрын
Sure it beats it on rates but where are you going to transfer those points. Capital One doesn’t have an domestic airlines. If you’re going to transfer international then you’ed probabaly get the same transfer rates so at that point better care rates win
@ChaseYokoyama Жыл бұрын
You are right. For certain people their transfer partners may not be ideal when compared to Amex's transfer partners.
@MasonsTurtle Жыл бұрын
Those thick peanut butter smoothies are good.
@ChaseYokoyama Жыл бұрын
100%. Thicker smoothes are better. Or else it would be like Peanut Butter piss
@MasonsTurtle Жыл бұрын
@@ChaseYokoyama oh thank you for the imagery.
@SuntaX10 Жыл бұрын
Can you compare Quicksilver vs SavorOne please?
@ChaseYokoyama Жыл бұрын
I'll take a look at it!
@Stevecrawl624 6 ай бұрын
Had the quicksilver card For 11 months it was ok But used capital one upgrade Portal and got the savor one card Enjoying the 3% back on Groceries and gas
@rene.s.s Жыл бұрын
AmEx Gold is $10 eAF unless you don’t eat food…
@ChaseYokoyama Жыл бұрын
hahahah 😆
@td4812 8 ай бұрын
Amex gold give you $100 food credit for booking 2 nights and free room upgrades. Savor one is good but capital one doesn’t have the best choice of partners. For Amex gold, some grocery store don’t take Amex card!
@SpencerJohnsonOfficial Жыл бұрын
Personally, I think the Amex Gold and Venture X may even be a better combo than the Savor One and Venture X. However, if you're only looking for cash-back rewards rather than transferrable currencies, then the Savor One is the better choice here. I just love transferrable currencies, so I'll take the Gold card all day 😆 Great video Chase!
@ChaseYokoyama Жыл бұрын
Thank you Spencer! 🤙🏽 I love them transferrable currencies as well
@babybabibaby Жыл бұрын
I think you can actually transfer from Savor to Venture, but not the other way 🤔 feel like I've read that somewhere
@SpencerJohnsonOfficial Жыл бұрын
@@babybabibaby That’s correct! If you like Cap1 a lot and want to use points for travel then transferring from the Savor One to the Venture X could be really valuable. Or you can use Amex’s partners with the Gold card and Cap1’s partners with the Venture X as I think I’d prefer.
@lscott9263 Жыл бұрын
@@SpencerJohnsonOfficial use the venture X credit and transfer out to a common amex transfer partner? Do they have any in common? If I understood you correctly; this is quite interesting.
@newsnowadirondacksredux360 Жыл бұрын
Plus dealing with Amex is much easier than Capital One.
@ziggy29 Жыл бұрын
I feel like a better title would have been "When does the Savor One beat Amex Gold". Because there are some use cases where that is true, but not in others. The title makes it sound like it's a sure thing. Yes, the video makes it clear that the better card is situation-dependent, but the title reeks of clickbait.
@ChaseYokoyama Жыл бұрын
Fair point 🙏🏽 Thank you for that feedback.
@charlespalmer8741 Жыл бұрын
Your title is fine - better clickbait 😂
@phasers2fun37 5 ай бұрын
Came for the comparison, stayed for the smoothie rant
@ChaseYokoyama 5 ай бұрын
lmao 😂 strawberries wild all the way 🏆
@frederickjonesel1942 10 ай бұрын
You should have compared the Capitol One "Savor" & not the "Savor One" to the American Express Gold. That way your are comparing 2 annual fee credit cards who have identical cash back/rewards categories.
@ChaseYokoyama 10 ай бұрын
yes that would have been a more fair comparison. although from what i've seen the savor one seems to be more popular as a food credit card alternative. also its cool to see how a no annual fee card could still compete with a $250 card
@otakubaka139 Ай бұрын
On my SavorOne: I went to simple as Dunkin Donuts? Earned 3% back
@ChaseYokoyama Ай бұрын
yup thats fire. Most fast food places trigger the restaurant category
@StevenLynn Жыл бұрын
As someone with both Gold and SavorOne, Gold all day. I was able to get the 90k Gold signup bonus plus the SavorOne statement credit. I do live in an area to use the Gold credits each month. I find using the cash back system within Capital One is a pain if you are not moving the rewards to the Venture. I have the Quicksilver as well and that rewards is even worse since they don't go into a single bucket. Maybe it is just me. Which is why Capital One cards are in the sock drawer and Amex is in my pocket.
@ChaseYokoyama Жыл бұрын
Thank you for sharing your experience, Steven! 🙏🏽 It's super helpful to hear your personal anecdotes. I'm jealous u got the 90k offer 🔥
@gw6496 Жыл бұрын
Do a combo of both cards👌🏾👍🏽
@ChaseYokoyama Жыл бұрын
that could work too 🤔 in certain situations.
@Tristin471 3 ай бұрын
For someone, like me, who is team cashback and doesn’t want to pay an annual fee, I agree, but for someone that’s more into travel and doesn’t mind paying annual fees, maybe not.
@ChaseYokoyama 3 ай бұрын
True. Although I will say most people have a separate card for travel besides the Amex gold.
@Tristin471 3 ай бұрын
@@ChaseYokoyama True, but the Amex is pretty popular, due to its customer service and sense of prestige.
@ChaseYokoyama 3 ай бұрын
@@Tristin471 oh ya. and their travel partners as well
@WallStreetIceCream 4 ай бұрын
captal one denied me cause of to many inquires total bs
@ChaseYokoyama 4 ай бұрын
im sorry to hear that. give it a few weeks and try the pre approval tool again. did you apply for the card or use the pre approval tool to find that out? I also don't like how C1 is sensitive to past inquiries like that
@WallStreetIceCream 4 ай бұрын
ya US Bank Barclays capital one FNBO these issures are very inquiry senstive@@ChaseYokoyama
@hanspetterfasteng3726 11 ай бұрын
Yes the Savior do earn 3% world wide. I also think Amex will give you a less favorable exchange rate than Visa and Master will do.
@ChaseYokoyama 11 ай бұрын
Thanks for letting us know. The Savor One is valuable grocery card for sure
@TheQuickyouknow 11 ай бұрын
The Amex sounds like a pain in the ass. I don't see myself using those credits naturally, and I'm not tracking $20 a month of credits.
@ChaseYokoyama 11 ай бұрын
Sounds like the Savor one really would be the better fit for you then 👍🏽
@TheQuickyouknow 11 ай бұрын
@@ChaseYokoyama Yeah, think so! With the Amex, I can definitely see myself getting lazy and not squeezing out the value of all of the credits. Thanks
@En4cer2K9 Жыл бұрын
For team cash back, an all-encompassing setup would be Amex BCP and C1 SavorOne, plus a 2% card. With those 2 cards, all bases are covered, between groceries, dining, streaming, entertainment, gas, and transit. Pretty much all your typical everyday expenses. And BCP only has a $95 af. (Waived in 1st year).
@ChaseYokoyama Жыл бұрын
That'll earn you cash back like crazy 🤑
@reubenmorris487 Жыл бұрын
If you have "enough" cash just sitting around, you can open up an Amex high yield savings account, and offset the annual fee with the interest accrued.
@lscott9263 Жыл бұрын
@@reubenmorris487 would have to see if it makes sense tax wise though. Also opportunity cost of parking several grand or more rather than investing it for higher returns.
@IanWorkHard-BRUH 21 күн бұрын
I like your math
@ChaseYokoyama 16 күн бұрын
my math is gr9
@pashahillyard8763 25 күн бұрын
Credits are a PITA idc what anyone says
@ChaseYokoyama 24 күн бұрын
theres definitely an argument for that
@caribdude8151 Жыл бұрын
👍
@ChaseYokoyama Жыл бұрын
🙏🏽
@fogrunr5075 Жыл бұрын
The biggest difference: American Express can and will take your points without warning. Capital One won't do that because the points are earned on daily spend. Remember: American Express has given you NOTHING Until You use The points.
@ChaseYokoyama Жыл бұрын
Just another friendly reminder to use your points 👏🏼
@Th33Vultur3 Жыл бұрын
Even though I got a $500 low limit, I applied for the savor one. I shop mostly at Walmart supercenters and over there I will use the blue business plus since its 2x points up to the spending limit of $50,000 a calendar year. For dining, I can use my American express green card, or the savor one or the chase freedom unlimited. Regardless of what card I use, it's 3X. For groceries, I can use either the no fee everyday, the blue cash every day or the savor one. Depending on if I want points or cash back. This is the reason why I never upgraded from green to gold.
@ChaseYokoyama Жыл бұрын
I like your reasoning 🧠 Your setup doesn't sound broken so I see why you don't change it., 👍🏼
@Th33Vultur3 Жыл бұрын
@@ChaseYokoyama I have the Green card, the Chase Freedom Unlimited for a base of 3x at dining. Also, one is an Amex in the Green card, Freedom Unlimited is a Visa and the Savor One is a Mastercard. Bottom line, I have options for dining as far as card network. Overseas though, I would have to swap out the Freedom Unlimited and sub in for the Chase Amazon Prime card as far as a Visa. The Savor One and the Amex Green would stay for a base rate of 2x to 3x on dining points. Supermarkets, I can use the no fee EveryDay, the Blue Cash Everyday and the Savor One, so I would get a base rate of 2x on everyday on MR points to 3x Cash Back on the BCE or points on the Savor One as a result, I have no need for the Gold card once again. I would only get the Gold card for an upgrade bonus if not eligible for the sign up bonus and in a year downgrade back to Green.