Good morning all 
A little backstory: I have a credit card with Capital One, opened in January of 2016 (my oldest non store credit card). It started at a $300 limit, was auto CLI to $500 at some point and then at the end of July was auto CLI to $1,300. The product is a QuicksilverOne Platinum Mastercard with an annual fee of $39. The rewards structure is 1.5% cash back on any purchase. I have about $45 in rewards racked up right now. I had an introductory rate of 0% that runs out in November.
Up until now, I have been using this as my main spending card because it was the only credit card I had. Now that I have a few more cards in my collection, I haven't been reaching for it as much. Because I won't be using it as much, I was hoping to do a PC but after speaking with multiple CSRs on chat, they assured me there are currently no upgrade offers on my account.
I will preface with the fact that I will be going to the garden very shortly. My questions are -
~ If I cold apply for a VentureOne or Quicksilver (both no annual fee) and get approved for either, would I be able to merge my current card to the new card?
~ By merging the cards, will the age of the account reset?
~ I travel 2-3 times a year. With having other cash back cards, would it be beneficial to carry a travel rewards card (VentureOne)?
~ Statistically, which is easier to get approved for, VentureOne or Quicksilver?
Thank you all in advance for any information!
A little backstory: I have a credit card with Capital One, opened in January of 2016 (my oldest non store credit card). It started at a $300 limit, was auto CLI to $500 at some point and then at the end of July was auto CLI to $1,300. The product is a QuicksilverOne Platinum Mastercard with an annual fee of $39. The rewards structure is 1.5% cash back on any purchase. I have about $45 in rewards racked up right now. I had an introductory rate of 0% that runs out in November.
Up until now, I have been using this as my main spending card because it was the only credit card I had. Now that I have a few more cards in my collection, I haven't been reaching for it as much. Because I won't be using it as much, I was hoping to do a PC but after speaking with multiple CSRs on chat, they assured me there are currently no upgrade offers on my account.
I will preface with the fact that I will be going to the garden very shortly. My questions are -
~ If I cold apply for a VentureOne or Quicksilver (both no annual fee) and get approved for either, would I be able to merge my current card to the new card?
~ By merging the cards, will the age of the account reset?
~ I travel 2-3 times a year. With having other cash back cards, would it be beneficial to carry a travel rewards card (VentureOne)?
~ Statistically, which is easier to get approved for, VentureOne or Quicksilver?
Thank you all in advance for any information!
