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Should I upgrade QuickSilver to Venture????

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Threeof5
New Contributor

Re: Should I upgrade QuickSilver to Venture????

I like my QS card. I'm currently paying it down, but I had enough cash back saved up to make a payment and then some. I plan of keeping it, and just recently got a CLI.

Starting 12/27/16 FICO Score 8 EQ 645 TU 643 EX 618
Current 6/27/17 FICO Score 8 EQ 797 TU 804 EX 782


Goal 740+ ACHIEVED 4/5/17 FICO Score 8 EQ 776 TU 762 EX 748
Message 11 of 15
UncleB
Credit Mentor

Re: Should I upgrade QuickSilver to Venture????

Good stuff here so far, I'll just add to do the math to make sure the AF on the Venture is worth a PC.

 

Basically, if you don't spend $12k or more each year you're better off with a QS after you subtract the Venture's $59 AF.  Also keep in mind the Venture "miles" are really just cash back for travel expenses, while the QS rewards are actual 'cash' with no restrictions.

 

That said, I would recommend to anybody looking for a new Capital One card to give the Venture a good look if they were primarily seeking rewards and didn't need a 0% promo.  I got a Venture WEMC a few weeks ago, and before the first AF is due I plan to PC to a QS WEMC to have the best of both worlds.

 

Just my 2¢.  Smiley Wink

Message 12 of 15
Anonymous
Not applicable

Re: Should I upgrade QuickSilver to Venture????

Thanks for the replays. I'll keep the Quicksilver and apply for the Venture sometime later this year or maybe since I won't product change the Barclay Arrival Plus. Any comments on it?
Message 13 of 15
My_Fako
Established Contributor

Re: Should I upgrade QuickSilver to Venture????

Op,

 

Iwouldn't pc. Just app for a new Venture for the sign up bonus.  

 

Then before you fee hits combine limits ot pc Venture to QS. 

Amex PRG NPSL I Chase Marriott $10k I Venture $15.3k I Amex BCE $10K I PNC 13K I Chase IHG $8.6k l Amazon $6k l Chase Hyatt 20k l US Bank Cash+ $13K I Barclays $12.6k I Venture $13k l Discover it $4.6k l Express Next $3.1k l Amex EverDay $15K l Cabelas 1k I Wayfair $17.1k I Walmart $8k l SG $9.8k l Target $3.6K I PP 2K l AU Shell Gas $900 opened in 1974 l Ex 704 Tu 698 Eq 667

Anything worth fighting for is worth fighting dirty for.
Message 14 of 15
SouthJamaica
Mega Contributor

Re: Should I upgrade QuickSilver to Venture????


@Anonymous wrote:
Thanks for the replays. I'll keep the Quicksilver and apply for the Venture sometime later this year or maybe since I won't product change the Barclay Arrival Plus. Any comments on it?

I've had the Venture card, but never had the Arrival Plus, so I can't say for sure, but IMHO

 

-its benefits are similar to the Venture

-the starting limits are good but not as good as the Venture

-I'm sure it doesn't have the no-fee or no-interest balance transfer offers which Venture keeps offering

-Barclays is a flighty bank, while Capital One is a straight shooter

-Barclays does give you a once a month view of your FICO 8 Transunion score, while Capital One gives you a weekly look at your less valuable TU Vantage score

-the Venture is one of the nicest cards out there esthetically (if that matters which I guess it doesn't Smiley Happy)

 

To me the Venture gets the slight nod.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 15 of 15
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