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VentureOne is the worst reward card Cap One has IMO.
Check their prequal site and see your options.
QuickSilver gives you 1.5% cash back on everything
Venture gives you 2% credit back on everything towards travel charges
Savor gives you 4% cash back on dining and entertainment plus 2% on groceries
SavorOne gives you 3% cash back on dining and entertainment plus 2% on groceries
VentureOne gives you 1.25% credit back towards travel charges.
If you don't care about dining and entertainment rewards, I would just do QuickSilver.
GL!
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!
You can have more than one quicksilver just so know.
GL!
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!
@Shooting-For-800 wrote:VentureOne is the worst reward card Cap One has IMO.
Check their prequal site and see your options.
QuickSilver gives you 1.5% cash back on everything
Venture gives you 2% credit back on everything towards travel charges
Savor gives you 4% cash back on dining and entertainment plus 2% on groceries
SavorOne gives you 3% cash back on dining and entertainment plus 2% on groceries
VentureOne gives you 1.25% credit back towards travel charges.
If you don't care about dining and entertainment rewards, I would just do QuickSilver.
GL!
It really depends on what other cards you have. I actually PC'ed my Venture to the VentureOne. Doing so saved me $95 for the AF, but I still get 10x points on hotels.com. The 2x miles flat rate that the Venture offers is weak when compared to the Citi DC or Paypal MC that both offer 2% back but with no AF. The Venture now has Global Entry, but that still doesn't even out the $95 fee.
YMMV of course but here was my take on it:
I opened up a secured $300 QS1 card in April of last year after burning them in 2016 and closed off. It finally unsecured in March of this year to $500.
I used the card, sometimes to 90% and PIF, or paying half balances and it made no difference. I apped for other prime cards and was approved during the 2nd half of last year(AMEX=3 cards). I kept calling/chatting to get my CLI or product change and no dice.
I finally saw i was prequaled for other cards on their site after never once having been shown anything. I cold apped for my Venture one and was approved with a $5k starting limit. I just recently paid off the balance of my QS1 and rolled it into my V1.
Sometimes if your in the bucket it wouldnt hurt to apply and if you get approved pay the balance off and consolidate into one card.
ps- get your real scored off a trial of credit check total, not credit karma. if your pretty positive you should be fine
OP - I am going to also throw my vote in the "Get something else" category.
I also started with Capital One - but now that I have built up a better credit history - I rarely use my QS card. Getting you foot in the door with Amex is a better solution and they seem like a good fit based on the information you provided. As you build a relationship with Amex - you will have access to much better cards.
The other company I would try if Amex does not work out, is Discover. Again they seem like you could be a good fit for them.
Obviously your credit scores and file will ultimately determine your credit limits - but overall my experience has shown me that Amex and Discover are more generous with higher limits. My Capital One card is 7 years old and I have never been late - the CL is $13,750. My Amex BCP card is 18 months and has a CL of $15k. By the time my Amex is 2 years - my goal is to get it to 30k.