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Does anyone have a good reason to go for the Chase trifecta over the Capital One duo if you travel about once a year? (self.creditcards)

submitted 1 year ago by MigratingtoLemmy to c/creditcards

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Hi, the Capital One duo is looking like a much better deal than with the Chase trifecta, especially if you're a CSR holder. With Chase reducing their benefits and trimming their bonus categories every year, I don't see a point in keeping the Chase trifecta as your main source of points anymore. The Capital One duo + Bilt (if you rent), at least on paper, look amazing for travel points.

Wanted to know your opinion. Cheers!

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[–] [email protected] 1 points 1 year ago (1 children)

What killed my interest in the Venture X was when they switched to providing credit for the travel portal instead of cash back to your card when doing the price match. Portal credits are basically useless to me since the only reason I would have them is because the portal was charging more than booking directly. If you travel a lot, you might be able to use the credits on a flight/hotel that is priced the same as booking direct, but there's no guarantee that opportunity will arise.

[–] MigratingtoLemmy 1 points 1 year ago (1 children)

Indeed. We currently have a somewhat bad market for travel credit cards at the moment: CSR is too expensive for most people, same with the AMex line. Venture X and Chase have portal-only bonuses, which is useless if you transfer out to travel partners. I guess the CSP is simply the economical option right now, but it's not very good either (I hate that so many categories are missing)

[–] [email protected] 1 points 1 year ago* (last edited 1 year ago) (1 children)

Agreed. As someone who only travels a handful a times of year, I've been using the BILT card as my travel card since it has pretty good travel protections and transfer partners for $0 AF. And I recently picked up the Hilton Honors Surpass for the SUB & 10 free Priority Pass visits per year. I think that combo works well for my current travel needs.

[–] MigratingtoLemmy 1 points 1 year ago

I plan to get the BILT card myself at some point for travel points. I'm still thinking about the Chase trifecta, but since I only plan to travel once a year, I also need to question the need for a premium travel card like the Venture X and CSR. Great to hear about your setup with the BILT. Thanks