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Capital One 2% versus Amex 1.5

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Established Contributor

Re: Capital One 2% versus Amex 1.5


@FortifiedHM wrote:

citi dc, paypal mc.


Cit Double Cash gets a lot of mentions, but be aware of its limitations.  It doesn't have a SUB or 0% promotional financing (although does have a 18 month 0% BT offer).  Rewards done in a weird 1% at purchase/additional 1% on payment.  Rewards can only be redeemed in increments of $25.

Message 11 of 22
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Valued Contributor

Re: Capital One 2% versus Amex 1.5


@rbentley wrote:

@FortifiedHM wrote:

citi dc, paypal mc.


Cit Double Cash gets a lot of mentions, but be aware of its limitations.  It doesn't have a SUB or 0% promotional financing (although does have a 18 month 0% BT offer).  Rewards done in a weird 1% at purchase/additional 1% on payment.  Rewards can only be redeemed in increments of $25.


you can redeem at any amount as long as its above 25. Its not 25 increments.

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Message 12 of 22
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Established Contributor

Re: Capital One 2% versus Amex 1.5

@FortifiedHM wrote:

@rbentley wrote:

@FortifiedHM wrote:

citi dc, paypal mc.


Cit Double Cash gets a lot of mentions, but be aware of its limitations.  It doesn't have a SUB or 0% promotional financing (although does have a 18 month 0% BT offer).  Rewards done in a weird 1% at purchase/additional 1% on payment.  Rewards can only be redeemed in increments of $25.


you can redeem at any amount as long as its above 25. Its not 25 increments.


Point taken.  You can not redeem any amount less than $25. You must spend and pay at least $1,250 before you could redeem your cash rewards.  

Message 13 of 22
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Valued Contributor

Re: Capital One 2% versus Amex 1.5


@Ironseoulju wrote:
The everyday preferred has a fee

In that case you have to subtract the fee from both sides of the comparison.

Daily Carry: PenFed Power Cash • NFCU Flagship • NFCU More Rewards • Chase Freedom Unlimited
Sock Drawer: PenFed Promise • NFCU cashRewards • Chase Freedom • Chase United MileagePlus • UNFCU Azure
Message 14 of 22
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Super Contributor

Re: Capital One 2% versus Amex 1.5

Neither card is really 2% or 1.5%. They are 2x or 1.5x points which you can redeem at various values for mostly travel related items. Anything else will be a far lesser value.

 

What are you really looking for in a card? If you're talking about 1.5% or 2% and you want that value consistently, you're probably best off with a cash back product. Points can be worth much more, or much less, than the stated earn rate. It all depends on what you plan to redeem for. Amex points mostly are good for travel redemption and not too much else. Venture is pretty much the same way.

Message 15 of 22
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Established Member

Re: Capital One 2% versus Amex 1.5

My purpose is travel I dont want cash back so which points in the end can end up being more valuable is my question.
Message 16 of 22
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Super Contributor

Re: Capital One 2% versus Amex 1.5


@Ironseoulju wrote:
My purpose is travel I dont want cash back so which points in the end can end up being more valuable is my question.

Garbage in, garbage out. You're asking for an answer but not providing necessarily information.

 

How much do you spend per year on groceries? Which grocery stores? Not all get bonus category treatment with Amex. How much do you spend on gas? Other spend?

 

Do you have status with any airlines, or fly any often? Your home airport? Domestic or international flights? Economy or business/first?

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, CFF+CF, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
SUB: JetBlue, Amex Platinum
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 17 of 22
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Established Contributor

Re: Capital One 2% versus Amex 1.5

If you redeem for points, you’re essentially getting 1.5 miles (after transfer) from the Venture and the same 1.5 for the EDP. Difference is that the Venture miles are worth more if used to travel without the transfer.




[2/2019]
Message 18 of 22
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Valued Contributor

Re: Capital One 2% versus Amex 1.5


@FortifiedHM wrote:

citi dc, paypal mc.


Don't forget Fidelity Visa 2%. And with Pay Pal M/C you mean the 2% card--not the Extras card. The pt. redemption on the Extras card is not that good...for gift cards it's only .6 of 1cpp.

BUSINESS
Rewards Pts.-Miles: UR-MR-TYP-Venture
Message 19 of 22
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Established Contributor

Re: Capital One 2% versus Amex 1.5


@Credit-hoarder wrote:

@FortifiedHM wrote:

citi dc, paypal mc.


Don't forget Fidelity Visa 2%. And with Pay Pal M/C you mean the 2% card--not the Extras card. The pt. redemption on the Extras card is not that good...for gift cards it's only .6 of 1cpp.


Fidelity is a cool card but the 50$ minimum redemption has caused me to SD it. It's probably fine for someone that uses one credit card for all purchases though.

 

One positive about the Venture is the no minimum redemption requirement while other similar options have a minimum redemption amount. Of course you are also limited to using the 2% towards travel but the no minimum redemption is nice. Also lets not forget that you can redeem the same travel purchase over and over. While not ideal, it is a loophole to erase your non travel purchases with the Venture as well.

Amex Green NPSL, Amex Hilton Surpass 5k, Amex Marriott Bonvoy 1k, AMEX BBP 1k, AMEX Biz Cash 6k, BOA Cash Rewards 5k, BOA Better Balance Rewards 2k, Care Credit 15k, Chase Amazon Visa 19.825k, Discover 11.8k, Discover 12.5k, Nordstrom Store 4.5k , Fidelity Visa 10k, Cap 1 QS 15k, Cap 1 Savor 10.5k, Citi Rewards+ 4.4k, Citi DC 8k, Citi Advantage Platinum 5.5k, US Cash+ 3.5k, Altitude Reserve 12.5k, Paypal Mastercard 4k, Apple Card 6.5k, Wells Fargo Cash Wise 5k, BOA Premium Rewards 8k, Citi AA Biz 1.5k, Flexperks Biz 3k
Message 20 of 22
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