CapOne lounge access has changed to Worse. Beginning Jan 1st 2023 it cuts airport restaurants and Spa. Jan 1st 2025 it will cut access to CapOne's own lounges as well as Plaza Premium longes which in many airports are the main non-airline lounges access with Priority Pass. It will charged a "reduced" rate of $45 per guest per access.
https://thepointsguy.com/news/capital-one-removes-lounge-access-venture-rewards-spark-miles/
So now all eyes on Chase whether it will follow suit. So far Chase has not cut airport restaurants when AMEX cut it 3 years ago and CapOne cut it last year.
Our household has only One CSP. UR pts can be combined to one single account. There is no need to have multiple fee-based Chase In House cards unless you have the actual needs.
During the Covid years Chase had some very lucrative Pay Yourself Back program for purchases made at grocery stores and home improvement stores, to let people using their CSR point balances when travel was essentially at a complete stop. We took advantage of that, clearing about $30K statement credits at 1.5 ratio from CSR account then downgraded it to a Freedom Unlimit. After the 4 years "bonus jail" time was up, we got the CSPs again when the 100K Sign Up Bonus returned. Now only keep 1 CSP in the household for the point transfer purpose, as well as travel due to 0% forex fee.
Also one BIG difference on the Travel Credit - Chase CSR's $300 can be offset on ANY travels booked anywhere, automatically posted. CapOne's Venture requires you to book travel on its travel portal in order to get the credit. Huge difference to many people including we who DONT use these gauging travel portals, not to mention losing hotel elite benefits of complementary breakfast, 2pm or 4pm guaranteed late check out, upgrade when theire is availability, Welcome Gifts, etc, if you booked thru 3rd party. (not to mention you often get the undesirable rooms).
Long long long time ago we once owned CapOne Venture when it had a "million miles match" that was a SUB matched to one's FFP miles balance up to 100K. We cashed them out thru redemption against travel expenses charged on the cards. We looked at it again after CapOne completely revamped the program. However because we dont care for booking travels on a portal - unless the places we go have no chain hotels, we book all our travels thru airlines and hotel chains own websites for various factors that a travel portal would not cover. For places that dont have chain hotels, Booking.com is our goto booking site. Their choices are far more, and their customer services are very good. So those travel portals like Chase or CapOne are a benefit we do not use.
Which cards work better for you ALL depends on how your usage pattern is, and where your biggest needs are - in other words, whether you get the most bang (value) for your bucks (spend), depends on what your goals are.
For us, the formula is very simple - flying longhaul business class offers the biggest bang for the bucks, next to it is the point bookings with chain hotels when situation is right. Our points often can worth 8 to 10cents each point, sometimes multiple higher. That is much higher than a 2cent return on a 2% cash back card, especially we have been having 5% on 70% of household expenses. by way of Ink Cash / Office Supply stores combo.
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