@Jannelo, Good question and to me the Savor isn’t worth the AF and I suspect I am not in the minority. You’d have to spend $9,500 a year in dining and entertainment to make it worthwhile over the free SavorOne and how many of us do that?
That said I have no issues with Capital One. I cold app’ed the Savor (my first C1 card, mainly for the SUB I fully admit) a few months ago and was given $30K right off the bat. So far I have no complaints. The SUB was posted one day after I made the minimal spend, all rewards are very clearly stated for every transaction, no minimal redemption amounts, good customer service. Little things like these make a difference to me.
I intend to keep the card but will PC it to SavorOne after year one.
That said I have no issues with Capital One. I cold app’ed the Savor (my first C1 card, mainly for the SUB I fully admit) a few months ago and was given $30K right off the bat. So far I have no complaints. The SUB was posted one day after I made the minimal spend, all rewards are very clearly stated for every transaction, no minimal redemption amounts, good customer service. Little things like these make a difference to me.
I intend to keep the card but will PC it to SavorOne after year one.
@AverageJoesCredit wrote:
With the upcoming transition of my Wally cards to Cap One, making them my first ever C1 cards, being off today and bored, got me wondering this. Its only fair guys and you knew it was coming😄
Wally cards? Cap1 got Walmart, and from what the site shows, not all of them Sync retains Sams, so those stay put.
I have a Cap1 QS that will never grow since it started as a secured Plat, and i have a Kohls card that i used once, and never since but i still got a CLI on it which shocked me. I didnt have much hope for my Walmart card, but my Kohls did, so maybe Walmart will too
I won't take the triple pull for Cap1, so my QS will be the only and last card from them unless it's a co-branded one.
@Anonymous wrote:I honestly do not like capital one at all. If it were not for them being my two oldest cards I would've gotten rid of them by now. Triple hard pulls, stingy with increases, hard/impossible to PC, and generally not anything special with rewards. Idk maybe its just me.
Your experience is quite common: “My oldest non-predatory card”.
Think about why CapOne is so common as an oldest card. Because for thin or rebuilding profiles, CapOne is prepared to provide some reasonable credit options.
After other credit options become available, some cardholders lose track of the earlier struggles to get credit, forget the joy, relief, when that first Capital One card was approved.
And for many people, their volume of spend gets a decent return on a Quicksilver, which is only slightly improved by other reward structures from their other cards.
Ugh their great customer service always makes me forget about those 3 hard pulls😫
