What's the best way to get a Signature Visa ? apply or CLI ?

[Anonymous]

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I was looking at bank america travel rewards but i didnt see any difference between bank america travel rewards and capital one quicksilver which i already have. They both 1.5% no foreign transaction fees. 

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If you have one and you've been good to Cap 1 for at least 6 months, you can get a SECOND Quicksilver and you may very well get a Visa Signature version. I just got my second Venture and second QS last month, and the QS is a VS (though you'd get a lot higher credit line with Venture probably)

[Anonymous]

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@Anonymous wrote:

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I was looking at bank america travel rewards but i didnt see any difference between bank america travel rewards and capital one quicksilver which i already have. They both 1.5% no foreign transaction fees. 

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If you have one and you've been good to Cap 1 for at least 6 months, you can get a SECOND Quicksilver and you may very well get a Visa Signature version. I just got my second Venture and second QS last month, and the QS is a VS (though you'd get a lot higher credit line with Venture probably)

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you have 6 capital one cards !?   i just did a combine (consolidation) accounts with capital one because i had 2 of the same cards and was annoying going back and fourth because they said in order to get a credit limit increase (soft pull) is to have at least ''3 monthly payments made over the last year.''

[Anonymous]

I do.. I shall consolidate, too, when the new ones are 6 months old.

[kdm31091]

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SebastianZzzzz wrote

I was looking at bank america travel rewards but i didnt see any difference between bank america travel rewards and capital one quicksilver which i already have. They both 1.5% no foreign transaction fees. 

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There is no difference really, except you are forced to redeem that 1.5% for travel purchases if you want the full percentage back with BOA. QS obviously has no such restriction.

The one advantage of BOA where you can potentially get more out of it is the travel portal. If you book through it, you get 3% back. Hardly setting the world on fire, but a small bonus.

[Anonymous]

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@kdm31091 wrote:

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SebastianZzzzz wrote

I was looking at bank america travel rewards but i didnt see any difference between bank america travel rewards and capital one quicksilver which i already have. They both 1.5% no foreign transaction fees. 

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There is no difference really, except you are forced to redeem that 1.5% for travel purchases if you want the full percentage back with BOA. QS obviously has no such restriction.

The one advantage of BOA where you can potentially get more out of it is the travel portal. If you book through it, you get 3% back. Hardly setting the world on fire, but a small bonus.

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besides the 3% cash back 

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@kdm31091 wrote:

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SebastianZzzzz wrote

I was looking at bank america travel rewards but i didnt see any difference between bank america travel rewards and capital one quicksilver which i already have. They both 1.5% no foreign transaction fees. 

---

There is no difference really, except you are forced to redeem that 1.5% for travel purchases if you want the full percentage back with BOA. QS obviously has no such restriction.

The one advantage of BOA where you can potentially get more out of it is the travel portal. If you book through it, you get 3% back. Hardly setting the world on fire, but a small bonus.

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besides the 3% compare to what you'd save using a discounted website like cheapoair and Expedia do you really save more using BOA portal booking airfares ? Has anyone compared it ? like... $600 roundtrip vs $500 roundtrip at a discounted website ? i know Barclay Arrival allows you to shop at discounted websites and still get 2% in addition savings from booking an airfare using a discounted website than booking it full price at lets say usairways.com unless the price is better at your banks portal. 

[kdm31091]

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@Anonymous wrote:

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@kdm31091 wrote:

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SebastianZzzzz wrote

I was looking at bank america travel rewards but i didnt see any difference between bank america travel rewards and capital one quicksilver which i already have. They both 1.5% no foreign transaction fees. 

---

There is no difference really, except you are forced to redeem that 1.5% for travel purchases if you want the full percentage back with BOA. QS obviously has no such restriction.

The one advantage of BOA where you can potentially get more out of it is the travel portal. If you book through it, you get 3% back. Hardly setting the world on fire, but a small bonus.

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besides the 3% cash back 

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@kdm31091 wrote:

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SebastianZzzzz wrote

I was looking at bank america travel rewards but i didnt see any difference between bank america travel rewards and capital one quicksilver which i already have. They both 1.5% no foreign transaction fees. 

---

There is no difference really, except you are forced to redeem that 1.5% for travel purchases if you want the full percentage back with BOA. QS obviously has no such restriction.

The one advantage of BOA where you can potentially get more out of it is the travel portal. If you book through it, you get 3% back. Hardly setting the world on fire, but a small bonus.

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besides the 3% compare to what you'd save using a discounted website like cheapoair and Expedia do you really save more using BOA portal booking airfares ? Has anyone compared it ? like... $600 roundtrip vs $500 roundtrip at a discounted website ? i know Barclay Arrival allows you to shop at discounted websites and still get 2% in addition savings from booking an airfare using a discounted website than booking it full price at lets say usairways.com unless the price is better at your banks portal. 

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I believe BOA"s portal runs through travelocity or orbitz or whatever, one of them. So yes, you'd have to figure out if you save more with it vs just using another site.

However unless you are booking a lot of travel and often, I'd just hang onto the QS and not bother with the BOA card.