Is this a true approval Cap one?

[Anonymous]

I currently have a capone plat with a 1k credit line that I PIF every month. Anyways I just did a prequalify app and it came back with these offers. I know Cap likes to hit all 3 cb's. Which one would you app for if you had the choice?

marie, your results are in. Congratulations! We think you'll like this pre-qualified card offer.

Venture® Rewards

Apply Now

Primary Benefit

Earn unlimited 2X miles per dollar on every purchase. Plus, earn 40,000 bonus miles once you spend $3,000 on purchases within the first 3 months.

Purchase APR

18.24% variable APR

Transfer Information

18.24% variable APR; No Transfer Fee

Annual Fee

$0 intro for the first year; $59 after that

We also suggest:

VentureOne® Rewards

Apply Now

Primary Benefit

Earn unlimited 1.25 miles per dollar on every purchase. Plus, earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months.

Purchase APR

0% intro APR until May 2017; 17.24% variable APR after that

Transfer Information

17.24% variable APR; No Transfer Fee

Annual Fee

$0

Quicksilver® Rewards

Apply Now

Primary Benefit

Earn unlimited 1.5% cash back on every purchase, plus a one-time $100 bonus once you spend $500 on purchases within the first 3 months.

Purchase APR

0% intro APR until February 2017; 18.24% variable APR after that

Transfer Information

0% intro APR until February 2017; 18.24% variable APR after that; 3% fee on the amount transferred until February 2017

Annual Fee

$0

[Anonymous]

Yes, it's a true pre approval.

[Anonymous]

Cap One is usually pretty solid, I'd say (compeltely arbitrary number here) 90% of people who have a pre-qual with them get approved.  There are some cases, as with any credit card, that people have been denied after a pre-qual showing.  

Depends what you want, cash back and no AF, then go QS.  Big bonus and travel rewards and you don't mind an AF, go with the Venture.  

[Anonymous]

Thanks for the heads up!

[Anonymous]

Do either one have a higher starting limit?

[UncleB]

---

@Anonymous wrote:

Do either one have a higher starting limit?

---

Historically for many people Venture has a higher starting credit line.  If you choose Venture, there's no AF the first year, and most likely you can PC to a no-AF Quicksilver before the first AF is due.  The Venture also has the most generous sign-up bonus.

The only drawback to Venture is there is usually no 0% promo... if you want a 0% promo you'll need to go with the Venture One or Quicksilver.  If you want the absolute lowest APR you'll want to choose Venture One, although the rewards are slightly lower (and more restricted) than the Quicksilver - and you really don't want to revolve on a rewards card, anyway.

Hope this helps! 

[Anonymous]

---

@Anonymous wrote:

Do either one have a higher starting limit?

---

When I got mine. My venture have a higher starting limit compared to QS. Venture started at 15000 QS started at 8000. Since I got a CLI where venture is 20k and QS is 16k. Once I'm able to combine all my cards I will and have 1 card (QS) at over 45k limit. Also have another QS that was PCed from platinum and have a QS1

[Anonymous]

Yes.  Definitely true.  If you want a larger SL, go for the Venture.  And congrats on the pre-approval!  

[Anonymous]

I wanted to just update this thread and let everybody know that it was a true approval

[Anonymous]

Congrats on the approval! What'd you get?