Signature Visas vs. Regular

Anonymous · ‎07-31-2015

I just got approved for 4 new Signature Visas (one is Cap One QuickSilver Signature Visa) and I'll be darned if I can figure out the difference between signature and regular Visas overall. This is an overlal question not specific to Capital One.

Is it just the fact that they generally have a 5k minimum limit and some randomly odd services like luggage protection while on vacation? Shoe shines?

Anonymous · ‎07-31-2015

and lower APR of course

kdm31091 · ‎07-31-2015

APR is not necessarily lower on a Visa Signature. The APR isnt related to that.

As for benefits you arent missing anything. Very small and niche benefits, just like with WMC. People get more excited with the idea of Sig or WMC or WEMC vs the reality because the reality is nothing exciting.

Anonymous · ‎07-31-2015

I'm glad I'm not missing anything. I got 9 Visa and Mastercards total as a result of my spree 2 weeks ago. 4 of them are Visa Signatures. Couldn't see a darn bit of difference between them and the non-signature versions (except maybe a slightly higher credit limit).

Oh well, I was holding out hope for the free shoe shine.......

ha ha

Anonymous · ‎07-31-2015

what is even more weird is how one card decides to issue me a signature and another doesn't......one of the great mysteries of the credit world

Anonymous · ‎07-31-2015

Get a World Elite Master Card and join the jet clubs. Most of the benefits are high end expensive items that work if you need them like the Visa Signature Hotel Collection. One of the really big deals was the $5K CL and the NPSL. Those requirements have been deleted and the banks can do whatever they want now and revolving credit lines will be like the dinosaurs soon. First National Bank of Omaha went in and remove the NPSL effective to August 1st 2015 on virtually all their cards (reason risk). Look up visa.com/signature or mastercard.com and root around for the actual benefits subject to what your issuer authorizes.

Anonymous · ‎07-31-2015

Can you share what cards you got? CL? scores? baddies?

Anonymous · ‎07-31-2015

Every Friday during the Summer Fandango offers buy one get one free tickets for Visa Signature card holders. Saves me tons of money.

Anonymous · ‎07-31-2015

@Anonymous wrote:
Every Friday during the Summer Fandango offers buy one get one free tickets for Visa Signature card holders. Saves me tons of money.

Yup, did that once!

Anonymous · ‎07-31-2015

Thanks Spider. We stay at Hyatts though and it wouldn't matter having a Visa Signature or not, but will check it out.