REI Co-op Mastercard moving to Capital One

[MarkintheHV]

  I have been Capital One free for six months, and now I guess I am headed back....and my next CLI date is 8/15

Not a Capital One fan here.

[slither43]

I must have missed the email but I did get a letter in the mail yesterday in regards to the change over. Can't say I'm disappointed. I started with a $5k credit line and I had balances go up on a few of my other cards and USBank balance chased me down to $500 over 2 months, which I find laughable. Scores are all 800ish now and usage is about 5% but I'm not wasting a hard pull to get it back up and they sure as heck haven't offered over the past TWO YEARS. At least I have the option of a soft pull request with CapOne. $500 limit renders this card useless at the moment

[mrpuffrabbit]

So now its just a better version of the Quicksilver, unless you value C1 perks like the travel portal??

[longtimelurker]

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@mrpuffrabbit wrote:

So now its just a better version of the Quicksilver, unless you value C1 perks like the travel portal??

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That was my initial thought, but the rewards on this card are really only usable at REI, as compared to the pure cashback of Quicksilver.

But if you do a lot of shopping at REI and so can always use the rewards (plus of course the 5%!) this beats Quicksilver

[JLRDC909]

I wouldn't consider C1 as hitting home runs with CLIs. Out of the 2 banks, I do think USBank is willing to work with you. C1 just seems like they read from scripts and rely on algorithms only. 

[sportsguy83]

I'm pretty indifferent about this change. Being able to redeem more frequently is a nice change as is the $50 credit towards REI classes/events.

[artaqua403]

Not sure how similar US Bank and Elan are with limits, but they gave me a $21k limit off the bat with only one bureau pulled, whereas Cap 1 denied me a while ago and pulled all 3 bureaus.  Not sure if I want to try Cap 1 again in the future.