topic Re: So is Capital One Quicksilver Visa or Mastercard? in Credit Cards

So is Capital One Quicksilver Visa or Mastercard?

MoneyBurns — Thu, 15 Apr 2021 06:10:07 GMT

There's no logo when I go on the application page and when I read as I scroll down, it says "Visa or Mastercard benefits."

I'm asking because I'd like to fund my BBVA and for credit BBVA only takes Visa. It'll be an easy and quick sign up bonus if it's a Visa. Otherwise, I'll probably just use my PenFed Power Cash Rewards.

Re: So is Capital One Quicksilver Visa or Mastercard?

203bravo — Thu, 15 Apr 2021 06:24:53 GMT

Look at the acutal card number --- if the very 1st number is a 4 then it's a visa.. if it's a 5 then mastercard.

Re: So is Capital One Quicksilver Visa or Mastercard?

MoneyBurns — Thu, 15 Apr 2021 06:28:50 GMT

That's interesting - I need to know which it is before I apply!!!

*checks his cards*

And you are absolutely right.

Re: So is Capital One Quicksilver Visa or Mastercard?

Anonymous — Thu, 15 Apr 2021 07:59:32 GMT

It can be either. Both of my capital one quicksilvers are Mastercards that were originally platinum Mastercard. The logo for mastercard is on the back of my quicksilvers as well as the number.

Re: So is Capital One Quicksilver Visa or Mastercard?

Ficoproblems247 — Thu, 15 Apr 2021 11:16:53 GMT

@MoneyBurns wrote:
There's no logo when I go on the application page and when I read as I scroll down, it says "Visa or Mastercard benefits."

I'm asking because I'd like to fund my BBVA and for credit BBVA only takes Visa. It'll be an easy and quick sign up bonus if it's a Visa. Otherwise, I'll probably just use my PenFed Power Cash Rewards.

@MoneyBurns Depending on the card it could be either. Furthermore, Cap1 frequently switches their products back and forth from network to network. It is actually supposed to say on the top of the application page. Which card are you rerring to? I can make it easier on you and provide you with the cards that they are currently issuing as Visa: Venture, VentureOne, Journey, Spark Cash, Spark Cash Select, and Spark Classic. All other Cap1 products are currently being issued as MC.

Re: So is Capital One Quicksilver Visa or Mastercard?

TampaBAY86 — Thu, 15 Apr 2021 12:15:11 GMT

Mine is a Mastercard. I am not aware if it is issued as a Visa.

Re: So is Capital One Quicksilver Visa or Mastercard?

Ficoproblems247 — Thu, 15 Apr 2021 12:41:40 GMT

Also, I apologize as I did not see the "Quicksilver" in your title, I only read the Capital One part. The QS changed from Visa to MC beginning in early 2020. Cap1 flip flopped both the QS and the Journey at that time.

Re: So is Capital One Quicksilver Visa or Mastercard?

Horseshoez — Thu, 15 Apr 2021 13:01:21 GMT

At this point, all Quicksilver cards are issued as a MasterCard, the lower tier cards are MasterCard Elite, and the upper tier cards are MasterCard World Elite.

Re: So is Capital One Quicksilver Visa or Mastercard?

Anonymous — Thu, 15 Apr 2021 13:51:18 GMT

Trick question lol. Cap 1 is one of my oldest creditors and I have both. I think the confusion is that Quicksilver is the not the same as Quicksilver One. I want to say at first I had a fee on my first quicksilver one card. After a year with the card my credit was recovering and I was not going to pay them a fee. I called them up and asked for a product change to quicksilver. They said they could not do a PC but would change my account to no fee and I want to say that is when it changed to a Master Card World card. The regular quicksilver has now aged to a Visa Signature card. I am going back years at this point and I want to say that the quicksilver one expires in June so I should be getting a new card soon so things might be changing... I should hit them up online and ask for a PC to Master Card World Elite because why not lol.... YMMV

Re: So is Capital One Quicksilver Visa or Mastercard?

Ficoproblems247 — Thu, 15 Apr 2021 15:59:05 GMT

@Anonymous wrote:
Trick question lol. Cap 1 is one of my oldest creditors and I have both. I think the confusion is that Quicksilver is the not the same as Quicksilver One. I want to say at first I had a fee on my first quicksilver one card. After a year with the card my credit was recovering and I was not going to pay them a fee. I called them up and asked for a product change to quicksilver. They said they could not do a PC but would change my account to no fee and I want to say that is when it changed to a Master Card World card. The regular quicksilver has now aged to a Visa Signature card. I am going back years at this point and I want to say that the quicksilver one expires in June so I should be getting a new card soon so things might be changing... I should hit them up online and ask for a PC to Master Card World Elite because why not lol.... YMMV

They have gone back and forth throughout the years. Previous to Feb. '20, the QS was issued as a Visa if your SL was<$5,000, or a Visa Signature if your SL was>$5,000. Now all QS cards seem to be issued as a WEMC regardless of SL. QS1 is, and always has been issued as a platinum MC.

Re: So is Capital One Quicksilver Visa or Mastercard?

Horseshoez — Thu, 15 Apr 2021 16:05:38 GMT

@Ficoproblems247 wrote:
@Anonymous wrote:
Trick question lol. Cap 1 is one of my oldest creditors and I have both. I think the confusion is that Quicksilver is the not the same as Quicksilver One. I want to say at first I had a fee on my first quicksilver one card. After a year with the card my credit was recovering and I was not going to pay them a fee. I called them up and asked for a product change to quicksilver. They said they could not do a PC but would change my account to no fee and I want to say that is when it changed to a Master Card World card. The regular quicksilver has now aged to a Visa Signature card. I am going back years at this point and I want to say that the quicksilver one expires in June so I should be getting a new card soon so things might be changing... I should hit them up online and ask for a PC to Master Card World Elite because why not lol.... YMMV

They have gone back and forth throughout the years. Previous to Feb. '20, the QS was issued as a Visa if your SL was<$5,000, or a Visa Signature if your SL was>$5,000. Now all QS cards seem to be issued as a WEMC regardless of SL. QS1 is, and always has been issued as a platinum MC.

My wife and I both got approved for a Quicksilver card this year, my credit limit is under $5,000 and is simply a "World" card, hers has a limit over $5,000 and is a "World Elite" card.

Re: So is Capital One Quicksilver Visa or Mastercard?

Ficoproblems247 — Thu, 15 Apr 2021 16:08:23 GMT

@Horseshoez wrote:
@Ficoproblems247 wrote:
@Anonymous wrote:
Trick question lol. Cap 1 is one of my oldest creditors and I have both. I think the confusion is that Quicksilver is the not the same as Quicksilver One. I want to say at first I had a fee on my first quicksilver one card. After a year with the card my credit was recovering and I was not going to pay them a fee. I called them up and asked for a product change to quicksilver. They said they could not do a PC but would change my account to no fee and I want to say that is when it changed to a Master Card World card. The regular quicksilver has now aged to a Visa Signature card. I am going back years at this point and I want to say that the quicksilver one expires in June so I should be getting a new card soon so things might be changing... I should hit them up online and ask for a PC to Master Card World Elite because why not lol.... YMMV

They have gone back and forth throughout the years. Previous to Feb. '20, the QS was issued as a Visa if your SL was<$5,000, or a Visa Signature if your SL was>$5,000. Now all QS cards seem to be issued as a WEMC regardless of SL. QS1 is, and always has been issued as a platinum MC.
My wife and I both got approved for a Quicksilver card this year, my credit limit is under $5,000 and is simply a "World" card, hers has a limit over $5,000 and is a "World Elite" card.

That's a good DP, thanks! I've read a couple of $300 approvals for the QS recently that seemed to result in WEMC. Wonder what causes the difference? We'll probably never know. Something in the decision of how the ABS is funded that they use for the card, maybe? Probably something way beyond my understanding.

Re: So is Capital One Quicksilver Visa or Mastercard?

Horseshoez — Thu, 15 Apr 2021 16:22:09 GMT

@Ficoproblems247 wrote:
@Horseshoez wrote:
@Ficoproblems247 wrote:
@Anonymous wrote:
Trick question lol. Cap 1 is one of my oldest creditors and I have both. I think the confusion is that Quicksilver is the not the same as Quicksilver One. I want to say at first I had a fee on my first quicksilver one card. After a year with the card my credit was recovering and I was not going to pay them a fee. I called them up and asked for a product change to quicksilver. They said they could not do a PC but would change my account to no fee and I want to say that is when it changed to a Master Card World card. The regular quicksilver has now aged to a Visa Signature card. I am going back years at this point and I want to say that the quicksilver one expires in June so I should be getting a new card soon so things might be changing... I should hit them up online and ask for a PC to Master Card World Elite because why not lol.... YMMV

They have gone back and forth throughout the years. Previous to Feb. '20, the QS was issued as a Visa if your SL was<$5,000, or a Visa Signature if your SL was>$5,000. Now all QS cards seem to be issued as a WEMC regardless of SL. QS1 is, and always has been issued as a platinum MC.
My wife and I both got approved for a Quicksilver card this year, my credit limit is under $5,000 and is simply a "World" card, hers has a limit over $5,000 and is a "World Elite" card.
That's a good DP, thanks! I've read a couple of $300 approvals for the QS recently that seemed to result in WEMC. Wonder what causes the difference? We'll probably never know. Something in the decision of how the ABS is funded that they use for the card, maybe? Probably something way beyond my understanding.

Interesting indeed.

FWIW, my card has the classic Red/Orange MasterCard logo on the back side, her card has an all silver MasterCard logo.

To be more specific about our data points, my "World" card has a limit of $3,000, her "World Elite" card has a limit of $6,000.

Re: So is Capital One Quicksilver Visa or Mastercard?

staticvoidmain — Fri, 16 Apr 2021 04:38:03 GMT

Currently, it is Mastercard, based on the Application Terms.

There is no language about VISA on the application terms.

Source 1

Source 2

Re: So is Capital One Quicksilver Visa or Mastercard?

notmyrealname23 — Fri, 16 Apr 2021 14:35:42 GMT

Both. I have changed two cards (a Platinum and a VentureOne, originally a Venture) into Quicksilvers. Ventures are issued as Visas.

Re: So is Capital One Quicksilver Visa or Mastercard?

Horseshoez — Fri, 16 Apr 2021 14:56:20 GMT

@notmyrealname23 wrote:
Both. I have changed two cards (a Platinum and a VentureOne, originally a Venture) into Quicksilvers. Ventures are issued as Visas.

Based upon all currently available metrics, I'm betting you PCed those cards prior to 2021. The question in my mind remains, come card replacement time, will they be reissued as a MasterCard (which will require a new credit card number), or will they continue to be issued as a Visa?

Re: So is Capital One Quicksilver Visa or Mastercard?

notmyrealname23 — Fri, 16 Apr 2021 18:44:55 GMT

@Horseshoez wrote:
Based upon all currently available metrics, I'm betting you PCed those cards prior to 2021.

The VentureOne was switched over a few weeks ago, well into 2021. It's still a Visa.

Re: So is Capital One Quicksilver Visa or Mastercard?

Horseshoez — Fri, 16 Apr 2021 18:50:26 GMT

@notmyrealname23 wrote:
@Horseshoez wrote:
Based upon all currently available metrics, I'm betting you PCed those cards prior to 2021.
The VentureOne was switched over a few weeks ago, well into 2021. It's still a Visa.

But aren't all Venture cards still Visa anyway?

Re: So is Capital One Quicksilver Visa or Mastercard?

notmyrealname23 — Fri, 16 Apr 2021 18:51:37 GMT

@Horseshoez wrote:
But aren't all Venture cards still Visa anyway?

Exactly. The point is you can trasmute a Venture into a Quicksilver through PC and have a Quicksilver Visa card.

Re: So is Capital One Quicksilver Visa or Mastercard?

FinStar — Fri, 16 Apr 2021 18:58:11 GMT

@Horseshoez wrote:
@notmyrealname23 wrote:
@Horseshoez wrote:
Based upon all currently available metrics, I'm betting you PCed those cards prior to 2021.
The VentureOne was switched over a few weeks ago, well into 2021. It's still a Visa.
But aren't all Venture cards still Visa anyway?

I wouldn't say "all" Venture cards. I'm fairly sure there are some in circulation that are MC/WMC/WE.

When they were flip-flopping networks (back in the day and before account combos ceased - pre 2021), I had a Venture WMC that eventually converted to WEMC. I'm fairly sure it would've stayed as WE today despite Capital One switching Venture CCs to V/VS.