Quicksilver vs QuickSilver One ?

[Anonymous]

Hi folks, after reading a few posts on the board I decided to PC from Capital One Platinum to QS.  I was approved to change to Quicksilver.  I keep hearing about QuickSilver One so does anyone know what the difference is?  Also, Can I now apply for the QS One?

[Anonymous]

Only real difference is QS 1 has an annual fee, there regular QS does not. The rewards are exactly the same. QS1 is supposed to be easier to get

[Anonymous]

The above is true however do not apply for the Quicksilver one always try for the regular Quicksilver. if you don't qualify you get dropped down to a quicksilver one. Regular Quicksilver is a Visa has no fees, has an introduction bonus and interest rate that is pretty killer. High 680-700 can snag one.

[Anonymous]

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@Anonymous wrote:
The above is true however do not apply for the Quicksilver one always try for the regular Quicksilver. if you don't qualify you get dropped down to a quicksilver one. Regular Quicksilver is a Visa has no fees, has an introduction bonus and interest rate that is pretty killer. High 680-700 can snag one.

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This is the first time I've seen this. I've only seen people denied for a regular QS; not Capital One counter offering a QS1 after a QS denial

[Anonymous]

Generally speaking:  MasterCard is Hamburger.

VISA is Filet Mignon.  

[Anonymous]

Quicksilver is no longer issued as a Visa, nor are any other of the Cap1 personal CCs. Quicksilver is issued as a World Elite MC. ☺ Also, the APR can be good, but it's not a given.

[DeeBee78]

The U/W criteria for the QS1 is probably less strict than the regular QS. 

[UncleB]

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@Anonymous wrote:

Quicksilver is no longer issued as a Visa, nor are any other of the Cap1 personal CCs. Quicksilver is issued as a World Elite MC. ☺ Also, the APR can be good, but it's not a given.

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+1

While it used to be different (and could change in the future) at this time all non-cobrand Capital One products are issued as MasterCard exclusively. 

I also don't recall hearing of anybody being offered a QS1 if not approved for a QS, but I might be overlooking something. 

While not required, before applying for any Capital One product I highly recommend checking for a prequal offer first... they are generally solid, and will give you an idea which product you need to apply for.

[grillandwinemaster]

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@Anonymous wrote:

Generally speaking:  MasterCard is Hamburger.

VISA is Filet Mignon.  

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Why do you say this? What's your reasoning?

[Anonymous]

It's just been my personal experience Mastercard branded credit cards will 

start approving your Credit Apps with a 640 FICO and most VISA

branded credit cards start at around FICO 670..the same with AMEX.

I just thought that was pretty common knowledge in the Financial World.