Hey everyone,
I’m trying to decide on my next credit card setup and would love some outside perspectives.
I’m based in Honolulu, and I travel 3+ times a year, with at least 1 international trip annually. Most of my international travel is to Asia (Japan, Korea, Hong Kong), with some domestic trips mixed in (Vegas, Seattle, LA). I travel to Europe occasionally, and rarely to New York.
I’m currently running a Capital One Savor One as my main card, plus a Quicksilver that I barely use. Most of my spending is on food, entertainment, travel, and general shopping, which is why Savor One has worked well for me so far. I also have about $500 in cashback already saved up on the Savor One.
I’ve been considering staying within Capital One and adding either the VentureOne, Venture, or Venture X. The Venture X benefits seem worth it on paper (especially for travel), but there’s a lot to consider and I’m not fully convinced yet. I don’t need lounge access, but it would definitely be a nice perk to have.
On the other hand, I’ve been reading and watching a lot about the Chase Trifecta (Freedom Flex + Freedom Unlimited + Sapphire Preferred), and that setup seems really appealing too. I don’t think the CSR is worth the annual fee for me, so if I go Chase, it would be centered around the CSP. I currently have no Chase cards, so this would be starting fresh in that ecosystem.
I guess my main questions are:
- Does it make more sense to lean into Capital One since I already have Savor One + existing cashback?
- Or is the Chase Trifecta with CSP worth switching to for someone with my travel and spending habits?
- For people who’ve used both ecosystems, which do you prefer long-term and why?
Appreciate any insight — thanks in advance!
Capital One Duo or Chase Trifecta?
byu/Extension-Leader1429 inCreditCards
Posted by Extension-Leader1429
5 Comments
look at the transfer partners f each that is how you maximize your points
The Capital One duo is a better point earning system IMO. And given your profile it looks to fit your spending better. Capital One also has more transfer partners than Chase. But take a look at the partners for both and see which ones work best for you.
Honolulu to the US has Southwest as the main partner, and Hawaiian Air/Alaska as the secondary (or vice versa, not an islander but know the biggest guys). Of those, only Chase transfers directly to Southwest, and as a bonus also transfers to United, which makes domestic redemptions easier. United’s program to Japan, Korea, and HK. The flip side of the above is that there is a direct transfer partner to Japan with JAL on Capital One.
Who do you fly most? That would guide the decision better than “most optimal.” The most optimal for you right now on paper without knowing anything else appears to be the Venture X, but if you can gain direct transfer partners with more airlines you regularly fly with by using Chase then Chase is the actual best card for you
I have the venture X. I like lounge access, travel credit and the credit for global entry. Easy to justify for me. I already had the chase trifecta. You can always get the Chase cards later but i will say Chase has better transfer partners.
You can do both. Your setup can be VentureX, Savor, CSP, CFF. That’s the best of both worlds. You can even add Ink Cash for a good churn and some useful 5X multipliers.