topic Re: Capital One Savor Visa Signature in Credit Cards

Capital One Savor Visa Signature

Harvey26 — Thu, 30 May 2019 17:26:39 GMT

I just helped a customer at my job and she was paying with the Capital one Savor card but it was a Visa Signature... I have never seen this before.

Re: Capital One Savor Visa Signature

FinStar — Thu, 30 May 2019 17:38:18 GMT

It's possible the account was PC'd from an existing Visa Signature product such as Venture or QS (when the option was available). We all know how Capital One flip flops on issuing CCs on different networks from time to time.

Re: Capital One Savor Visa Signature

delaney1 — Thu, 30 May 2019 17:38:03 GMT

Isn’t any Savor that started with at least 5k signature? My Savor is a signature Visa.

Re: Capital One Savor Visa Signature

wasCB14 — Thu, 30 May 2019 18:53:35 GMT

@delaney1 wrote:
Isn’t any Savor that started with at least 5k signature? My Savor is a signature Visa.

I don't know about CLs and tiers, but more commonly they run on the MC network.

Re: Capital One Savor Visa Signature

Anonymous — Thu, 30 May 2019 19:42:35 GMT

Cap One issues on both networks depending on the deals they get on the back end. Currently it looks like they're using the Visa network for new apps.

Re: Capital One Savor Visa Signature

SBR249 — Thu, 30 May 2019 19:53:35 GMT

Capital One flips from Visa to MC and back every couple of years. They issued Ventures as Visa back in 2015, then it became MC, now it's back to Visa. However, individual accounts generally stay with the network that they were originally issued on. My VentureOne was issued as a Visa and it stayed a Visa when I PC'ed to QS even when QS was issue as a MC. So at any one time, there's usually a mix of Visa/MC cardholders out there for the various flavors of CapOne cards.

Re: Capital One Savor Visa Signature

HighAchiever — Sat, 01 Jun 2019 22:05:04 GMT

Interesting... I want to apply, but I want to get my current limits higher, so I could possible get a SL of 10k and up.

Re: Capital One Savor Visa Signature

Aim_High — Sat, 01 Jun 2019 22:22:30 GMT

@SBR249 wrote: "... Capital One flips from Visa to MC and back every couple of years."

Interesting. I thought they stuck to one network for one type of card. So, if I were applying for a new card with the intent to combine with an existing Capital One card later (consolidation), they may or may not be a compatible merge depending on the cards because they would both have to be issued in the same network to be able to consolidate accounts, correct?

I don't think I have ever heard of another bank doing it this way before! They might issue MC and Visa but one brand-name card was usually just in one network, from my understanding.

Re: Capital One Savor Visa Signature

BH1985 — Sat, 01 Jun 2019 22:28:47 GMT

Capital One discontinued combinations a little while back if I’m not mistaken.

Re: Capital One Savor Visa Signature

UncleB — Mon, 03 Jun 2019 01:16:48 GMT

@Aim_High wrote:
@SBR249 wrote: "... Capital One flips from Visa to MC and back every couple of years."
Interesting. I thought they stuck to one network for one type of card. So, if I were applying for a new card with the intent to combine with an existing Capital One card later (consolidation), they may or may not be a compatible merge depending on the cards because they would both have to be issued in the same network to be able to consolidate accounts, correct?

I don't think I have ever heard of another bank doing it this way before! They might issue MC and Visa but one brand-name card was usually just in one network, from my understanding.

As others have mentioned you can't currently merge accounts with Capital One, but back when you could the network didn't matter. It was perfectly fine to merge a Visa into a MasterCard (or vice versa).

It's also true that they tend to flip back-and-forth between the networks, and that the network doesn't matter when you do a PC.

My own Quicksilver WEMC was issued as a Venture WEMC (which is now issued as Visa) and Savor is issued as MasterCard but you'll see the occasional Savor Visa due to a PC (like @Harvey26 mentioned above).

Re: Capital One Savor Visa Signature

etatauri — Mon, 03 Jun 2019 19:30:49 GMT

I applied 4/22/19 and mine came as a Mastercard. I wonder if they switched networks when they reduced the SUB from 500 to 300? I was lucky enough to apply when it was 500, that was an amazing bonus!

Re: Capital One Savor Visa Signature

Anonymous — Mon, 03 Jun 2019 19:49:16 GMT

Mine is Visa Signature, PC'ed from QuickSilver. I like it because not only it has 4% CB from Dining but also it's metal

I do prefer MasterCard however (not sure if Cap1 allows changing or not), because cards in my wallet (including Savor) are all Visa.

Re: Capital One Savor Visa Signature

UncleB — Mon, 03 Jun 2019 20:31:57 GMT

@etatauri wrote:
I applied 4/22/19 and mine came as a Mastercard. I wonder if they switched networks when they reduced the SUB from 500 to 300? I was lucky enough to apply when it was 500, that was an amazing bonus!

Savor accounts resulting from new applications have always come as MasterCard; Savor is a relatively new product. To get a Savor Visa one must PC from an existing Capital One Visa (however at this time they aren't doing PCs to Savor at all).

@Anonymous wrote:
Mine is Visa Signature, PC'ed from QuickSilver. I like it because not only it has 4% CB from Dining but also it's metal
I do prefer MasterCard however (not sure if Cap1 allows changing or not), because cards in my wallet (including Savor) are all Visa.

You're welcome to ask, but as far as I know we've never had anybody report that Capital One was willing to change an account from one network to another due to a customer request.

The only network changes I know of them doing are when they purchase card portfolios from other banks that have either American Express or Discover Card accounts. My own HSBC Discover was purchased by Capital One in 2013, and had I not closed it it would have become a MasterCard.