Quicksilver - Mastercard vs Visa

[Ghoshida]

Hello fellow community members!

I got my Cap One Quicksilver 3 months ago after converting a non-rewards platinum that I had with Cap One for about a year. It is a Quicksilver, not a QS-one. So no AF, and gives me 1.5%. I plan to use it for categories like travel, utilities, fees, and whatever Discover or Freedom doesn't cover on their quarterly specials. I got a mastercard (probably) because my previous card was also a mastercard.

On the website, I only see the Visa option. Given my purchase categories, am I better off or worse with MC instead of Visa?

Do I need to get the visa? If yes, is there a certain way?

I have 2 MC, this one and Sallie Mae. Other cards : 5 Visa cards, 1 Discover and 1 AMEX.

[Anonymous]

I would call Capital One and ask them if you could possible carry both cards. I was upgrade to Quicksilver as well and its a Mastercard. I also have their Journey card as well. It doesn't hurt to ask. 

[Stralem]

There's no real material difference. You'll be fine either way.

[Ghoshida]

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@Anonymous wrote:

I would call Capital One and ask them if you could possible carry both cards. I was upgrade to Quicksilver as well and its a Mastercard. I also have their Journey card as well. It doesn't hurt to ask. 

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Not sure but I thought the platinum had an annual fee, with first year waiver. So I won't go back to having it. 

I didn't know I could get a no-AF QS so I had asked for a PC to journey. The rep said journey wasn't available to me but QS was. Better rewards than journey so took it. The number is the same so I still have only one Cap One. Lost the bonus but didn't want to add inquiries at that time.

[Ghoshida]

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@Stralem wrote:

There's no real material difference. You'll be fine either way.

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Thanks Stralem.

I was mostly concerned with benefits such as travel insurance, rental damage waiver, and purchase protection. 

[coldnmn]

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@Ghoshida wrote:

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@Anonymous wrote:

I would call Capital One and ask them if you could possible carry both cards. I was upgrade to Quicksilver as well and its a Mastercard. I also have their Journey card as well. It doesn't hurt to ask. 

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Not sure but I thought the platinum had an annual fee, with first year waiver. So I won't go back to having it. 

I didn't know I could get a no-AF QS so I had asked for a PC to journey. The rep said journey wasn't available to me but QS was. Better rewards than journey so took it. The number is the same so I still have only one Cap One. Lost the bonus but didn't want to add inquiries at that time.

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My Quicksilver Mastercard was a Platinum Mastercard no annual fee before the product change. It's still a no annual fee Quicksilver. The only reason I see to get a Visa is if Mastercard wasn't accepted. You can have two cards with Cap1 and more if co-branded.

[Ghoshida]

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@coldnmn wrote:

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My Quicksilver Mastercard was a Platinum Mastercard no annual fee before the product change. It's still a no annual fee Quicksilver. The only reason I see to get a Visa is if Mastercard wasn't accepted. You can have two cards with Cap1 and more if co-branded.

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Thanks cold.

I'll stick to MC then. My university doesn't accept Visa. 

[Anonymous]

i have a question and not sure where to post this.

I had a Capitol One Cash Rewards (green card) upgraded to QuickSilverOne

and now my CapitolOne Platinum appearently was upgraded to the better looking QuickSilver

and not the rugy *** looking QuickSilver One.

Does this mean now i can ask for a visa ? It has a red/orange logo mastercard but not the Visa Signature

I rather have the cool looking silver logo or the Visa Signature instead of this red/orange ball. 

 

[Ghoshida]

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@Anonymous wrote:

i have a question and not sure where to post this.

I had a Capitol One Cash Rewards (green card) upgraded to QuickSilverOne

and now my CapitolOne Platinum appearently was upgraded to the better looking QuickSilver

and not the rugy *** looking QuickSilver One.

Does this mean now i can ask for a visa ? It has a red/orange logo mastercard but not the Visa Signature

I rather have the cool looking silver logo or the Visa Signature instead of this red/orange ball. 

 

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As far as I understand, during PC the card stays with the same network: so a MC Platinum will be a MC QS (as it happened with me and quite a few of the others). If it was Visa to start with, it will most likely stay Visa.

You could try to get the MC World Elite which also has a silver logo and not the red-orange. 

[SunriseEarth]

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@Ghoshida wrote:

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@Anonymous wrote:

i have a question and not sure where to post this.

I had a Capitol One Cash Rewards (green card) upgraded to QuickSilverOne

and now my CapitolOne Platinum appearently was upgraded to the better looking QuickSilver

and not the rugy *** looking QuickSilver One.

Does this mean now i can ask for a visa ? It has a red/orange logo mastercard but not the Visa Signature

I rather have the cool looking silver logo or the Visa Signature instead of this red/orange ball. 

 

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As far as I understand, during PC the card stays with the same network: so a MC Platinum will be a MC QS (as it happened with me and quite a few of the others). If it was Visa to start with, it will most likely stay Visa.

You could try to get the MC World Elite which also has a silver logo and not the red-orange. 

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+1.   If you PC from a MC, you'll still have an MC.   This is how some people are winding up with QS MCs and WMCs, when the cold apps would get you a Visa.