Been using the product upgrade link for awhile now, and just saw my QS is able to upgrade to a Savor One with no AF. I'm not sure why my QS One isn't available to go to Savor One, since it is much older. Would this possibly change the cards bucket, or would it be worse to go from a QS to a Savor? The whole part about the QS One not upgrading, and then the newer QS going back to being a One card has me confused. Kind of seems like a downgrade besides the rewards difference. Any insight would be appreciated!!
QS to Savor 1 is more of a side-grade than an upgrade (or downgrade). You would just be changing the rewards structure from 1.5% cb to 3% cat/1% base cb. A Cap1 card having the "One" qualifier at the end of its name doesn't indicate, by itself, whether it would be an upgrade or downgrade from a Cap1 card that doesn't b/c it means different things w/ the QS vs the Savor and Venture. QS1 is a starter/rebuilder card with an AF, QS w/o the qualifier is a regular 1.5% cb card. Savor1 and Venture1 are the basic versions of those two cards (comparable with the regular QS), where the Savor and Venture w/o the qualifier are AF upgrades w/ higher rewards rates.
@Slabenstein Thanks! That was actually a big help. I hadn't really been using the QS for much of anything due to the low limit, but seeing that the Savor would provide 3% on the dining and groceries, I think I could really benefit in that aspect.
@GreyvyTrain wrote:Been using the product upgrade link for awhile now, and just saw my QS is able to upgrade to a Savor One with no AF. I'm not sure why my QS One isn't available to go to Savor One, since it is much older. Would this possibly change the cards bucket, or would it be worse to go from a QS to a Savor? The whole part about the QS One not upgrading, and then the newer QS going back to being a One card has me confused. Kind of seems like a downgrade besides the rewards difference. Any insight would be appreciated!!
@GreyvyTrain if I may I would love to ask a couple of questions. I have been trying to product change my wife's Quicksilver card to a Savor One card for 3 years but it's never an option. I was wondering if your Quicksilver card is the Visa version or Mastercard version? I also was wondering how old your card is? I thank you in advance for any info you can provide.
@Jordan23ww Absolutely! My QS is the Mastercard version. I actually opened the QS in March of this year when my QS1 was about 6-7 months old, so it's barely over 3 months old. I did use it sort of "heavily" after I opened it, but nothing extreme, and always paid it down in full or next to nothing before reporting.
@fred-7388 That actually makes perfect sense. Mine had a lot of groceries, some Steam games, Amazon, pizza delivery, etc.
@GreyvyTrain wrote:@Jordan23ww Absolutely! My QS is the Mastercard version. I actually opened the QS in March of this year when my QS1 was about 6-7 months old, so it's barely over 3 months old. I did use it sort of "heavily" after I opened it, but nothing extreme, and always paid it down in full or next to nothing before reporting.
@GreyvyTrain Thank you sooooooo much for this information! I'm gonna keep checking and hopefully one day they'll also give us this option. Our card is about to be 11 years old (July 2024) and is also the Mastercard version! I appreciate your feedback! Congratulations to you also! I see the Savor One in your signature now! That's awesome!
@Jordan23ww Happy to help! Yeah the 3% groceries sold it for me, as I don't go out to eat that much and do a ton of cooking at home. I've been using the Walmart for the 5% back when you use the app to pay at checkout in the store for groceries, but it limits me to just shopping there for food - when there are much better stores around for fresh meats, veggies, etc.