Does Cap1 claw back SUBs?

[wasCB14]

I opened Savor in Feb 2019. I like Postmates Unlimited, but Cap1 is ending the reimbursement in 2020.

If I don't like whatever Cap1 replaces Postmates Unlimited with, can I safely close the card in January? Or do I need to worry about keeping it a full 12 months to keep Cap1 from clawing back the $500 SUB?

[Anonymous]

I haven't heard of them clawing things back and if they did I'm sure this place would catch on fire.

[NRB525]

I got mine about the same timeframe, and my plan has been to keep it two years. The Entertainment category is reasonably useful, and the $500 SUB I am applying to "give some back" with the AF.  I fully acknowledge the opinions of others that my methodology is not written in the contract, but I also got the Venture in 2015 and closed that in mid-2018.  

I also have a QS with fixed 10.9% APR, so I enjoy maintaining a positive, symbiotic relationship with CapOne. 

[wasCB14]

Yes, I suppose I'd have heard of Cap1 clawbacks, given how well Amex is now known for it. OTOH, a lot of people like to downgrade Cap1 cards to no-AF products rather than close them so early closures on cards with bonuses (not rebuilder products) may not be so common. I'm at a point in terms of wallet complexity where adding a new lender should involve dropping an old one.

I have other good cards for dining, and I've complained before about Cap1's definition of "entertainment"...not that it matters much with BBP and a likely BofA Premium Rewards.

I don't really see any role for symbiosis with Cap1. The card was originally intended to be totally disposable - Postmates credits just proved to be an unexpected benefit sufficient to keep the card open.

[NRB525]

Have you checked the Vivid Seats cashback? The seats are expensive, but I used it to get Hamilton tickets in SF. Took a lark weekend trip with DGF this past spring, it was worth the spend since it's hard to find tickets to any of the shows. Anyway, the Savor Vivid Seats cash back took some of the sting out of the overall cost of the bucket list experience.