topic Re: Bank of America Travel Rewards Card Vs. Capital One Quicksliver Card in Credit Cards

Bank of America Travel Rewards Card Vs. Capital One Quicksliver Card

Anonymous — Tue, 02 Dec 2014 06:07:06 GMT

Hey members! I wanted to know if there are any Advantages from the Bank of America Travel Rewards Card over the Capital One Quicksliver Card? Both seem like the same card. I wanted to see if I was missing anything?

Note: I have the Capital One Quicksliver and the Bank Of America Cash Rewards. I've always wanted the Travel Rewards card, but I'm not so sure if I would need it because I recently got the Quicksliver card. Any insight would be appreciated

Re: Bank of America Travel Rewards Card Vs. Capital One Quicksliver Card

Shock — Tue, 02 Dec 2014 08:53:56 GMT

I suppose there's not really a difference. For the BOA, it's point only, no cash rewards. The Quicksilver is cash or miles, whichever you prefer. Both 1.5 back..both no foreign transaction fee..Cap1 now has EMV so I don't really think there's a difference...no AF...the only difference I can see might be in the APR. I guess when compared side by side they are the same. But it would come down to the lender.

1. Cap1 is mostly subprime, BOA is not.

2. Cap1 doesnt move lines, BOA is flexible with that, very easily

3. Cap1 SP CLI, BOA is HP most times

4. Cap1 triple pulls initially, BOA mostly single pulls

Cant think of anything else. But I hope this helps you or anyone reading and considering both cards

Re: Bank of America Travel Rewards Card Vs. Capital One Quicksliver Card

Anonymous — Tue, 02 Dec 2014 12:26:15 GMT

@Shock wrote:
I suppose there's not really a difference. For the BOA, it's point only, no cash rewards. The Quicksilver is cash or miles, whichever you prefer. Both 1.5 back..both no foreign transaction fee..Cap1 now has EMV so I don't really think there's a difference...no AF...the only difference I can see might be in the APR. I guess when compared side by side they are the same. But it would come down to the lender.

1. Cap1 is mostly subprime, BOA is not.
2. Cap1 doesnt move lines, BOA is flexible with that, very easily
3. Cap1 SP CLI, BOA is HP most times
4. Cap1 triple pulls initially, BOA mostly single pulls

Cant think of anything else. But I hope this helps you or anyone reading and considering both cards

Well, a big difference is that BoA offers enhancements. So if you are a normal BoA customer you can get 10% extra, making it a 1.65% card If you are a preferred customer you can get up to 75% bonus, making it a 2.6% + card.

Re: Bank of America Travel Rewards Card Vs. Capital One Quicksliver Card

odd_dog — Tue, 02 Dec 2014 13:21:52 GMT

Correct me if I am wrong but I believe with the Cap 1 card you can only redeem the full amount of a travel purchase, with BOA you can apply a partial credit to a travel purchase.....meaning if I have a ticket for $400.00 I must have the WHOLE amount in points to wipe that out with Cap 1 where as with BOA I can use only $300 worth of points if that is all I have. I also think BOA goes back a year to "wipe out" travel charges and Cap 1 is only like 90 days....I don't have the Cap 1 so if I am wrong about that, someone who has the card please correct me. Good luck OP hope you find the card that works for you!

Re: Bank of America Travel Rewards Card Vs. Capital One Quicksliver Card

Anonymous — Tue, 02 Dec 2014 14:10:19 GMT

@odd_dog wrote:
Correct me if I am wrong but I believe with the Cap 1 card you can only redeem the full amount of a travel purchase, with BOA you can apply a partial credit to a travel purchase.....meaning if I have a ticket for $400.00 I must have the WHOLE amount in points to wipe that out with Cap 1 where as with BOA I can use only $300 worth of points if that is all I have. I also think BOA goes back a year to "wipe out" travel charges and Cap 1 is only like 90 days....I don't have the Cap 1 so if I am wrong about that, someone who has the card please correct me. Good luck OP hope you find the card that works for you!

Cap One quicksilver is not travel restricted. You can redeem any amount as a statement credit. You may be thinking of the Venture. For unrestricted cash back, Quicksilver has the best redemption mechanism, rewards are available as transactions post, and no minimum to redeem. It only it were 2%!

Re: Bank of America Travel Rewards Card Vs. Capital One Quicksliver Card

odd_dog — Tue, 02 Dec 2014 14:13:26 GMT

@Anonymous wrote:
@odd_dog wrote:
Correct me if I am wrong but I believe with the Cap 1 card you can only redeem the full amount of a travel purchase, with BOA you can apply a partial credit to a travel purchase.....meaning if I have a ticket for $400.00 I must have the WHOLE amount in points to wipe that out with Cap 1 where as with BOA I can use only $300 worth of points if that is all I have. I also think BOA goes back a year to "wipe out" travel charges and Cap 1 is only like 90 days....I don't have the Cap 1 so if I am wrong about that, someone who has the card please correct me. Good luck OP hope you find the card that works for you!
Cap One quicksilver is not travel restricted. You can redeem any amount as a statement credit. You may be thinking of the Venture. For unrestricted cash back, Quicksilver has the best redemption mechanism, rewards are available as transactions post, and no minimum to redeem. It only it were 2%!

Longtime you are right!!!! I get confused with Cap 1 cards, I was thinking OP was comparing travel cards so I thought of Venture, right away (forgot that is what it was called) OK OP forget what I just said sorry I was comparing Travel cards with BOA and Cap 1 put it down to my being OLD!!! LOL

Re: Bank of America Travel Rewards Card Vs. Capital One Quicksliver Card

Anonymous — Tue, 02 Dec 2014 15:52:44 GMT

@Shock wrote:
I suppose there's not really a difference. For the BOA, it's point only, no cash rewards. The Quicksilver is cash or miles, whichever you prefer. Both 1.5 back..both no foreign transaction fee..Cap1 now has EMV so I don't really think there's a difference...no AF...the only difference I can see might be in the APR. I guess when compared side by side they are the same. But it would come down to the lender.

1. Cap1 is mostly subprime, BOA is not.
2. Cap1 doesnt move lines, BOA is flexible with that, very easily
3. Cap1 SP CLI, BOA is HP most times
4. Cap1 triple pulls initially, BOA mostly single pulls

Cant think of anything else. But I hope this helps you or anyone reading and considering both cards

Thanks for this info. I actually didn't know it had the EMV chip, I'm not sure if my card has it or not as it's not visible. But I know some CC companies don't make it visible? I will call them later to verify if my card has the chip or not.

Re: Bank of America Travel Rewards Card Vs. Capital One Quicksliver Card

Anonymous — Tue, 02 Dec 2014 15:54:57 GMT

@Anonymous wrote:
@odd_dog wrote:
Correct me if I am wrong but I believe with the Cap 1 card you can only redeem the full amount of a travel purchase, with BOA you can apply a partial credit to a travel purchase.....meaning if I have a ticket for $400.00 I must have the WHOLE amount in points to wipe that out with Cap 1 where as with BOA I can use only $300 worth of points if that is all I have. I also think BOA goes back a year to "wipe out" travel charges and Cap 1 is only like 90 days....I don't have the Cap 1 so if I am wrong about that, someone who has the card please correct me. Good luck OP hope you find the card that works for you!
Cap One quicksilver is not travel restricted. You can redeem any amount as a statement credit. You may be thinking of the Venture. For unrestricted cash back, Quicksilver has the best redemption mechanism, rewards are available as transactions post, and no minimum to redeem. It only it were 2%!

You're so right! I think the only downfall is that it's 1.5%. The DC card will have major competition if it was 2%. Thank you for the additional info. with your help I was able to determine I don't need the Travel Rewards Card!

Re: Bank of America Travel Rewards Card Vs. Capital One Quicksliver Card

Anonymous — Tue, 02 Dec 2014 15:55:58 GMT

@odd_dog wrote:
@Anonymous wrote:
@odd_dog wrote:
Correct me if I am wrong but I believe with the Cap 1 card you can only redeem the full amount of a travel purchase, with BOA you can apply a partial credit to a travel purchase.....meaning if I have a ticket for $400.00 I must have the WHOLE amount in points to wipe that out with Cap 1 where as with BOA I can use only $300 worth of points if that is all I have. I also think BOA goes back a year to "wipe out" travel charges and Cap 1 is only like 90 days....I don't have the Cap 1 so if I am wrong about that, someone who has the card please correct me. Good luck OP hope you find the card that works for you!
Cap One quicksilver is not travel restricted. You can redeem any amount as a statement credit. You may be thinking of the Venture. For unrestricted cash back, Quicksilver has the best redemption mechanism, rewards are available as transactions post, and no minimum to redeem. It only it were 2%!
Longtime you are right!!!! I get confused with Cap 1 cards, I was thinking OP was comparing travel cards so I thought of Venture, right away (forgot that is what it was called) OK OP forget what I just said sorry I was comparing Travel cards with BOA and Cap 1 put it down to my being OLD!!! LOL

I saw the venture too and thought about getting it, but saw the Quicksliver was easily better! Thanks for your help and info you provided

Re: Bank of America Travel Rewards Card Vs. Capital One Quicksliver Card

takeshi74 — Tue, 02 Dec 2014 15:57:40 GMT

@Anonymous wrote:
Thanks for this info. I actually didn't know it had the EMV chip, I'm not sure if my card has it or not as it's not visible. But I know some CC companies don't make it visible?

EMV has to be visible since the reader needs to physically connect to the contacts. You may be confusing NFC (contactless) with EMV.

Re: Bank of America Travel Rewards Card Vs. Capital One Quicksliver Card

Anonymous — Tue, 02 Dec 2014 17:06:27 GMT

@takeshi74 wrote:
@Anonymous wrote:
Thanks for this info. I actually didn't know it had the EMV chip, I'm not sure if my card has it or not as it's not visible. But I know some CC companies don't make it visible?
EMV has to be visible since the reader needs to physically connect to the contacts. You may be confusing NFC (contactless) with EMV.

Oh ok thanks for clearing that up. Is the venture card the only one with the EMV or all their cards equipped with it now?

Re: Bank of America Travel Rewards Card Vs. Capital One Quicksliver Card

Anonymous — Tue, 02 Dec 2014 17:15:26 GMT

@Anonymous wrote:
@takeshi74 wrote:
@Anonymous wrote:
Thanks for this info. I actually didn't know it had the EMV chip, I'm not sure if my card has it or not as it's not visible. But I know some CC companies don't make it visible?
EMV has to be visible since the reader needs to physically connect to the contacts. You may be confusing NFC (contactless) with EMV.
Oh ok thanks for clearing that up. Is the venture card the only one with the EMV or all their cards equipped with it now?

Messages from Live Chat indicate that it is not available yet for certain cards:

Griffin

10:11 AM

We are not able to expedite the process of issuing chip cards, but we expect to include chips on most of our cards by the end of 2015.

Griffin

10:11 AM

Keep in mind that merchants who accept Visa / MasterCard credit cards are required to accept all valid cards regardless of whether the card is enabled with an electronic chip or a magnetic strip. So, keep using your Capital One credit card until you receive your new chip card.

Re: Bank of America Travel Rewards Card Vs. Capital One Quicksliver Card

Anonymous — Tue, 02 Dec 2014 17:24:26 GMT

@Anonymous wrote:

Griffin
10:11 AM
We are not able to expedite the process of issuing chip cards, but we expect to include chips on most of our cards by the end of 2015.
Griffin
10:11 AM
Keep in mind that merchants who accept Visa / MasterCard credit cards are required to accept all valid cards regardless of whether the card is enabled with an electronic chip or a magnetic strip. So, keep using your Capital One credit card until you receive your new chip card.

Nice! All CSRs from issuers say stuff like this. it's just hard when you are in country X, not speaking the language, and the clerk wont/cant take your card because they don't support swipe, and saying slowly and loudly "But you are bound by the Mastercard and Visa Merchant agreements to accept all such cards, even if your boss has told you not to take non-EMV cards because of fraud concerns. So please swipe" really won't work.

Re: Bank of America Travel Rewards Card Vs. Capital One Quicksliver Card

Anonymous — Tue, 02 Dec 2014 20:23:37 GMT

@Anonymous wrote:
@Anonymous wrote:
Griffin
10:11 AM
We are not able to expedite the process of issuing chip cards, but we expect to include chips on most of our cards by the end of 2015.
Griffin
10:11 AM
Keep in mind that merchants who accept Visa / MasterCard credit cards are required to accept all valid cards regardless of whether the card is enabled with an electronic chip or a magnetic strip. So, keep using your Capital One credit card until you receive your new chip card.
Nice! All CSRs from issuers say stuff like this. it's just hard when you are in country X, not speaking the language, and the clerk wont/cant take your card because they don't support swipe, and saying slowly and loudly "But you are bound by the Mastercard and Visa Merchant agreements to accept all such cards, even if your boss has told you not to take non-EMV cards because of fraud concerns. So please swipe" really won't work.

Yeah agreed, I'm travelling soon to the Caribbean for a month and it would be useful to have this feature!