![]() (Quicksilver 1.5% unlimited cash back, venture 1.25 unlimited miles on every purchase)Īlso my fico score is 728 if that matters. If you already have a Capital One credit card, you may be able to upgrade or downgrade it to a different Cap One credit card. This seems to be a great deal, or is there a card that would serve me better that I don't know about? It also says "No annual fee" all over the letter and I can't find any fine print that says otherwise, so is that really no fee, forever? Or for a year? Or what? ![]() I also have a car payment as my other form of credit that's in perfect standing I know we will be flying home (southwest usually) regularly, probably every few months, as well as flying family out.Īlso I am the shopper, grocery and otherwise, so my card is used a lot. I am moving 600miles away from my family next week and getting married in two months. I've never hit my limit and it stays under 1k usually. I pay it off in full every month and have been basically using it as my debit card. I have had the card for a year, my limit was kicked up to 3k from 300 after about 6mos. I have the option to choose between the venture or the quick silver. Got a letter in the mail about upgrading my capital one Platinum card. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit. Get your financial house in order, learn how to better manage your money, and invest for your future. Banking Megathread: FDIC, NCUA, and your cash.Private communication is not safe on Reddit. Scam alert: Ignore any private messages or chat requests.The Capital One Venture's initial 75,000 miles bonus is generally not. Winner: Capital One Venture Rewards Credit Card since it offers the added. Receive 24/7 service assistance for towing, gas, tire changing, jump-starting, and lockout service. Up to 100 credit for Global Entry or TSA PreCheck application fee every four years. Unless stated differently in your upgrade offer, you will keep your current card number with no changes to your APR or credit limit. Pay for your ticket with your Capital One Venture card and receive up to 3,000 (2,000 for New York residents) if your luggage is lost or stolen. You can check with your credit card company to find out for sure. Once you're qualified to upgrade your Capital One Platinum to Capital One Venture, you should receive your new card in 7 to 10 business days. The Capital One Venture X Rewards Credit Card was my. Once you click through rewards upgrade link you are taken to this page with upgrade options. And once you switch to the new card, you might not be able to take advantage of some of that card’s perks-like an introductory APR offer or early spend bonus. Once I logged into my account on a computer I saw a link that I was eligible for a rewards upgrade. It’s also worth keeping in mind that you might have to forfeit the perks of your current card when you upgrade or swap. But it depends on the credit card company’s policies. Swaps, on the other hand, may be allowed before the one-year mark. That’s because the Credit Card Accountability Responsibility and Disclosure Act forbids credit card companies from increasing your annual fee within a year of opening your account. You also might need to have a certain credit score in order to qualify for an upgrade.Īnd if the card you want to upgrade to has an annual fee, you might have to have your account open for a full year before you can upgrade. But to upgrade, you usually need to have a good payment history and be in good standing. Keep in mind that credit card companies set their own policies for product changes and eligibility. If your new card earns rewards, for example, then you’ll be able to earn those rewards once you switch to the new card. But your card and account will be subject to the terms and conditions of the new card. Cardholders earn 2 - 5 miles per 1 spent, along with an initial bonus of 75,000. However, the public welcome bonus may be 100,000 points, so you could be missing out on 40,000 points by upgrading. For example, you might be targeted by Amex for a bonus of 60,000 points when upgrading from an existing card to a new one. However, Capital One Venture is considered one of the best travel credit cards on the market. In most cases, itll be a lower offer, but it may be worth it due to the additional factors below. Unfortunately, you cannot get the Capital One Venture metal card. When you upgrade or swap your credit card, you typically keep your existing credit card number and account number. Tom Lipkis, WalletHub Credit Card Consultant.
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