topic Re: Capital one upgrades offer in Credit Cards

Capital one upgrades offer

gingerflower — Tue, 18 Jun 2024 02:30:48 GMT

Hello fico friends wanted to share upgrades offer on my 3 Quicksilver Cc"s anyway the upgrade offers are for Venture One either with annual fee or no annual fee. Anyone got upgrade offers to venture one. I was hoping for the Savior Card but not available. Do anyone feel the venture one is worth the upgrade? Let me know your feedback thank you.

Re: Capital one upgrades offer

FicoMike0 — Wed, 19 Jun 2024 01:55:29 GMT

I don't see the venture one offering anything better than qs, which is pretty useless. The savor one might be good. They haven't offered me anything.

Re: Capital one upgrades offer

gingerflower — Wed, 19 Jun 2024 02:09:31 GMT

@FicoMike0 Thank you for the feedback appreciate it. Yes, the Venture One does not offer anything at least the QS there is cash back. I called Customer service asked if it is possible to upgrade to Savor Cc but she said there was no upgrade to Savor Cc. I have 3 upgrade offers for Venture but what's the sense there is no benefits on the Venture Cc. I will stick to my QS Cc's.

Re: Capital one upgrades offer

FicoMike0 — Wed, 19 Jun 2024 02:30:01 GMT

My qs is in my sock drawer.

Re: Capital one upgrades offer

gingerflower — Wed, 19 Jun 2024 02:39:02 GMT

@FicoMike0 Lol 😏 I know what you mean so is my 3 QS Cc's oh well..

Re: Capital one upgrades offer

markhs777 — Thu, 20 Jun 2024 00:35:06 GMT

Always found it strange that Cap1 considers any product change as an upgrade.

Re: Capital one upgrades offer

Zoostation1 — Thu, 20 Jun 2024 18:45:21 GMT

It's just marketing to call it an upgrade. Sometimes it is, sometimes it isn't.

Re: Capital one upgrades offer

BudC2 — Sun, 23 Jun 2024 11:47:44 GMT

Cap1 recently offered me an upgrade from QS to Venture or Savor One. I took Savor One because they give 3% back on streaming services, Frontier Fiber Internet and Dining. Their CLI's stink though. Tried a couple different times and all they would offer was $300. Not worth the CLI. I just take the 3% back and pay it off every month never carrying a balance. I'll ditch Cap1 as soon as I find another card I like that give CB on streaming services. Walmart is kicking them to the curb so I really have no reason to stay and they don't lower interest rates so they really have no appeal.

Re: Capital one upgrades offer

gingerflower — Sun, 23 Jun 2024 23:27:31 GMT

@BudC2

Nice you at least got the offer to the Venture and

Savor Cc. I was told by Cust service I was eligible for the Venture Cc which did not appear to me. I would have upgrade to the Savor Cc if it was offered.

Re: Capital one upgrades offer

Kriz1 — Wed, 26 Jun 2024 01:01:10 GMT

I have a QS one which recently got an automatic CLI to ($4.500) from like $1.500. After that I got an offer on the app to upgrade to Venture one . No anual fees and 1.5% back on miles, no hard inquiries since it's an upgrade ( so they say ). Haven't taking the offer because, like you I'm not sure about it. I don't plan on doing heavy traveling so I really don't see the benefit. Maybe I can upgrade it to something else . But for now I'm happy. ✌🏽

Re: Capital one upgrades offer

xenon3030 — Wed, 26 Jun 2024 03:44:42 GMT

As the others mentioned, these "so-called" upgrade offers seem to PC offers, with limited or no added benefits to whatever you already have. So, you might want to either SD all of your 3x QS cards or use them in the way that you like.

Btw, since the Walmart-Cap1 partnership gets ended soon, was there any success to PC the Walmart CC to any of Cap1 cards?

PS: Is there any specific reason to have 3x QS cards, considering that each card gives 1.5% CB without cap?

Re: Capital one upgrades offer

BudC2 — Wed, 26 Jun 2024 11:05:40 GMT

The Walmart card is a branded store card owned by Walmart so you can't PC to another Cap1 card. The Walmart card will just be passed to the next facilitator Walmart chooses.

Re: Capital one upgrades offer

Tiggr — Wed, 26 Jun 2024 14:35:53 GMT

What kind of stats did you have on the quicksilver cards when you got your upgrade offers? I have two quicksilvers and am pre-approved for a student one that I'm not getting. I'd definitely wait for a savor upgrade personally.

Re: Capital one upgrades offer

Tiggr — Wed, 26 Jun 2024 14:41:33 GMT

@xenon3030 wrote:
As the others mentioned, these "so-called" upgrade offers seem to PC offers, with limited or no added benefits to whatever you already have. So, you might want to either SD all of your 3x QS cards or use them in the way that you like.

Btw, since the Walmart-Cap1 partnership gets ended soon, was there any success to PC the Walmart CC to any of Cap1 cards?

PS: Is there any specific reason to have 3x QS cards, considering that each card gives 1.5% CB without cap?

There isn't a reason/benefit to having them, but they're offered as upgrades for worse cards. I'm even pre-approved for a third one.

Re: Capital one upgrades offer

gingerflower — Wed, 26 Jun 2024 17:25:12 GMT

@xenon3030

I have had the 3 QS Cc's many years with each Cc having a nice CL. I have tried couple of times to move CL to 1 QS so I have only 1 QS Cc but was not successful in doing so. So every other month I put a charge on the cards and pay it off. Regarding the Capt 1 Walmart Cc which I was told there is no upgrade product change to any Capt 1 Cc so not sure what is going to happen when that time comes.

Re: Capital one upgrades offer

gingerflower — Wed, 26 Jun 2024 17:36:21 GMT

@Tiggr

All 3 of the QS Cc's have no balance and if I do charge I pay total balance . Recently say 7 years ago I paid of my Capt 1 auto loan so I guess I am considered an excellent customer. At the moment all 3 QS Cc's have upgrade to Venture 1 but I am waiting for the Savor .

Re: Capital one upgrades offer

Tiggr — Wed, 26 Jun 2024 17:56:50 GMT

@gingerflower wrote:
@Tiggr
All 3 of the QS Cc's have no balance and if I do charge I pay total balance . Recently say 7 years ago I paid of my Capt 1 auto loan so I guess I am considered an excellent customer. At the moment all 3 QS Cc's have upgrade to Venture 1 but I am waiting for the Savor .

Doesn't get much better than that. Nice job. Given the history maybe call and ask for a PC to savorone since really the upgrades they're already offering you are a PC. I'm not sure on the possibility of that though.

Re: Capital one upgrades offer

gingerflower — Wed, 26 Jun 2024 18:44:07 GMT

@Tiggr

I have already asked to upgrade to Savor Cc but was told by cust service the Savor is not available for the upgrade. However, I was pre approved to apply for the Savor which I said no thks.

Re: Capital one upgrades offer

Jordan23ww — Wed, 26 Jun 2024 19:02:41 GMT

We've been trying to product change my wife's Quicksilver to the Savor One for 3 plus years. We are always told when we call that it isn't eligible to be product changed to the Savor one. Countless times though she been invited to apply for the Savor One both within the app in the Creditwise section and by the rep whenever we've called Capital One. Since learning about the link to check product upgrade options a year ago I've checked it every month. The Venture One is always the only option available.

Since getting the Venture X card in September 2023 we've been checking the upgrade offers on that and it is offering the Venture One and Quicksilver as options. We have no plans to product change to the Venture One or Quicksilver cards but always check both her cards out of curiosity.

We likely won't even product change or apply for the Savor One now that I've gotten the Wells Fargo Attune card. It does what we were hoping the Savor One would do for us, give us unlimited cash back on live entertainment. Since the Attune is 4% on Live Entertainment and the Savor One is 3%, now we'd be earning less using the Savor One. We sometimes use my Citi Custom Cash for 5% back on Live Entertainment, but that caps at $500 per month. There have been a few occasions where we have spent more than $500 and anything over that $500 earned just 1% cash back, which is why we wanted a card with unlimited cash back. Now that issue has been resolved.

Re: Capital one upgrades offer

Jordan23ww — Wed, 26 Jun 2024 19:13:05 GMT

@BudC2 wrote:
Cap1 recently offered me an upgrade from QS to Venture or Savor One. I took Savor One because they give 3% back on streaming services, Frontier Fiber Internet and Dining. Their CLI's stink though. Tried a couple different times and all they would offer was $300. Not worth the CLI. I just take the 3% back and pay it off every month never carrying a balance. I'll ditch Cap1 as soon as I find another card I like that give CB on streaming services. Walmart is kicking them to the curb so I really have no reason to stay and they don't lower interest rates so they really have no appeal.

@BudC2 you may want to take a look at the Amex Blue Cash Preferred for your streaming services. It gives 6% back on streaming services and groceries and 3% of gas. It actually categorizes a lot of purchases with Apple as "streaming" too. I get 6% back on any Apps that cost money or have reoccuring app subscriptions such as NBA League Pass, any Apple subscriptions (such as iCloud storage, Apple Music, Apple TV+, Apple News, etc), media purchased from Apple, Apple Care. I always make my $95 annual fee back by February each year. The rest of the cash back earned during the rest of the year is all profit. The annual fee is usually waived in year 1 as part of the sign up offer. I've had it since 2020 and have always come out way ahead every year!