Invited to upgrade, that's a first for me.

[wasCB14]

---

@GApeachy wrote:

---

@wasCB14 wrote:

---

@Anonymous wrote:

Congratulations on the upgrade. I always think Capital One's cards that don't have the "One" in them  (e.g. Quicksilver One vs. Quicksilver) are a step over the other,  and who knows,  they may be easier to upgrade in the future. Capital One can change their policy again and make certain cards upgradable where the lesser ones are not.

---

QS is objectively better than QS1 with stricter credit standards, but it's not so clear cut with Savor vs. Savor1 and Venture vs. Venture1.

---

My upgrades went Savor--->Venture1---> Venture.... so each step Cap1 considered an upgrade. idk

---

They use the term "upgrade" quite loosely to describe any PC...much as they did with Venture's "miles" for many years (as you couldn't transfer them to any airlines until fairly recently, and even now it's not 1:1).

Someone could PC from QS to V1...going from an unrestricted 1.5% to a restricted 1.25%...and that would also constitute an "upgrade" with them.

[Anonymous]

---

@wasCB14 wrote:

---

@Anonymous wrote:

Congratulations on the upgrade. I always think Capital One's cards that don't have the "One" in them  (e.g. Quicksilver One vs. Quicksilver) are a step over the other,  and who knows,  they may be easier to upgrade in the future. Capital One can change their policy again and make certain cards upgradable where the lesser ones are not.

---

QS is objectively better than QS1 with stricter credit standards, but it's not so clear cut with Savor vs. Savor1 and Venture vs. Venture1.

---

Yeah, Savor is a 4% card with an AF, so the whole suite seems to be an upgrade. 

[wasCB14]

---

@Anonymous wrote:

---

@wasCB14 wrote:

---

@Anonymous wrote:

Congratulations on the upgrade. I always think Capital One's cards that don't have the "One" in them  (e.g. Quicksilver One vs. Quicksilver) are a step over the other,  and who knows,  they may be easier to upgrade in the future. Capital One can change their policy again and make certain cards upgradable where the lesser ones are not.

---

QS is objectively better than QS1 with stricter credit standards, but it's not so clear cut with Savor vs. Savor1 and Venture vs. Venture1.

---

Yeah, Savor is a 4% card with an AF, so the whole suite seems to be an upgrade. 

---

I'm not going to say a card that gave me a $500 SUB with no *first-year* AF is bad, but hypothetically, a person could...

- Put most spend on Amex and only use a V/MC as a backup

- Have very little dining/entertainment spend (so that the marginal rewards were less than the AF)

- Just prefer the simplicity of no-AF cards

[Anonymous]

---

@wasCB14 wrote:

---

@Anonymous wrote:

---

@wasCB14 wrote:

---

@Anonymous wrote:

Congratulations on the upgrade. I always think Capital One's cards that don't have the "One" in them  (e.g. Quicksilver One vs. Quicksilver) are a step over the other,  and who knows,  they may be easier to upgrade in the future. Capital One can change their policy again and make certain cards upgradable where the lesser ones are not.

---

QS is objectively better than QS1 with stricter credit standards, but it's not so clear cut with Savor vs. Savor1 and Venture vs. Venture1.

---

Yeah, Savor is a 4% card with an AF, so the whole suite seems to be an upgrade. 

---

I'm not going to say a card that gave me a $500 SUB with no *first-year* AF is bad, but hypothetically, a person could...

- Put most spend on Amex and only use a V/MC as a backup

- Have very little dining/entertainment spend (so that the marginal rewards were less than the AF)

- Just prefer the simplicity of no-AF cards

---

Sure. Just saying an AF card generally is considered a higher tiered card. Rewards cards that is. An AF Credit One card of course,  not.

[Anonymous]

---

@Anonymous wrote:

---

---

Sure. Just saying an AF card generally is considered a higher tiered card. 

---

But the key is not to worry about how the issuer classifies cards, to my mind an upgrade is when you move to a card that performs better for you in some way.   So, getting an AF on a subpar card without a SUB, well, if there are compelling reasons, such as a belief that it will improve the chances for a Savor, then OK!

[wasCB14]

---

@Anonymous wrote:

---

@Anonymous wrote:

---

---

Sure. Just saying an AF card generally is considered a higher tiered card. 

---

But the key is not to worry about how the issuer classifies cards, to my mind an upgrade is when you move to a card that performs better for you in some way.   So, getting an AF on a subpar card without a SUB, well, if there are compelling reasons, such as a belief that it will improve the chances for a Savor, then OK!

---

I don't know exactly what Cap1's anti-churning practices are, but even if PCs to Savor ever do become common, it's possible OP could be approved for a new account with a new SUB by then.

[GApeachy]

Okay, I appreciate you...all of you.

UPDATE: After all of your input and finding the perks have slowly slipped away and a higher apr, now that reductions have been haulted, I changed it back to a no AF card. Venture1         (I won't pay for a Savor pipe dream afterall)

Yep, I was able to pc to that, locked the cards and placed them into the sd to snuggle in for a long winter's nap.  Sleep tight.  btw, ty everyone.