Latest reviews

Reddit · r/CreditCards · 2 days ago

Uses it as their gas card, earning the boosted 6% in their chosen category during the first year.

Reddit · r/CreditCards · 2 days ago

Upgraded from the Blue Cash Everyday after years and keeps the Preferred because groceries are their biggest spend, paying in full each month so the fee is outweighed.

Reddit · r/CreditCards · 2 days ago

Product-changed a Quicksilver Visa to a Savor and reports it still shows as a Visa in the app.

Reddit · r/fidelityinvestments · 3 days ago

Suggests the Fidelity card for recurring expenses but says a dispute over a counterfeit item bought with it did not help and sided with the seller.

Reddit · r/CreditCards · 3 days ago

Calls the Cash+ a card you can age with and says earning 5% back on utility bills is their favorite bonus of all their cards.

Reddit · r/CreditCards · 3 days ago

Keeps it as their one cash back card, hand-picking a single category each cycle and putting nothing else on it, and notes it is no longer open to new applicants.

Reddit · r/ynab · 4 days ago

Has begun using the Apple Card for most purchases with Daily Cash flowing into the Apple savings account, and tracks the small amounts in their budget.

Reddit · r/CreditCards · 5 days ago

Likes their Blue Cash Everyday and uses it at Walmart where their Savor does not earn 3%, and describes the pairing of the two as a great combo.

Reddit · r/CreditCards · 5 days ago

Owns both the Savor and Autograph; in Japan the Savor earns 3% almost constantly, with a rare miscoding of a restaurant near them as merchandise.

Reddit · r/CreditCards · 5 days ago

Found that Wells Fargo caps how often the card can be paid from an outside bank each month, about seven times for them, after which payment has to be made by phone.

Reddit · r/fidelityinvestments · 5 days ago

Holds the Fidelity credit card but cannot find a running balance after each transaction in the app or website, unlike other issuers.

Reddit · r/CapitalOne · 7 days ago

They have had the Quicksilver since their credit repair days over a decade ago but rarely use it, calling the limit too low and the interest too high. They keep it in a safe with a small monthly charge to avoid closure.

Reddit · r/CapitalOne · 9 days ago

After a first-ever returned payment on a Quicksilver held for ten years, they called right away and were told the account would not be closed, though online stories left them worried.

Reddit · r/amex · 9 days ago

After weighing a targeted upgrade, concluded the Everyday card with no annual fee suits their grocery spending better than the Preferred.

Reddit · r/CapitalOne · 11 days ago

They were approved for Quicksilver and received the card, but the account was restricted for weeks over identity verification while living abroad. Repeated document submissions were rejected without a clear explanation.

Reddit · r/CapitalOne · 11 days ago

They opened a Quicksilver expecting a sign-up bonus after meeting the spend requirement, never received it, and support told them there is no bonus on their version of the card.

Reddit · r/CapitalOne · 11 days ago

They have seen their Quicksilver limit raised several times, first unprompted when they carried higher balances and later by requesting an increase every six months, without a hard pull.

Reddit · r/CapitalOne · 11 days ago

After several denied credit line requests for a new account, their Savor limit was finally increased once the account had aged.

Reddit · r/CreditCards · 12 days ago

They only recently realized Active Cash cash back converts to points one to one and regret having kept using their Citi Double Cash or Apple Card, praising the travel, gas and food earning.

Reddit · r/CapitalOne · 12 days ago

Converted an older Platinum to the regular Quicksilver about four years ago and likes the no annual fee and 1.5% cash back, though a second conversion left them holding duplicate cards they do not need.

Reddit · r/CapitalOne · 12 days ago

They have held their Quicksilver for years without any credit limit increase, in contrast to their Discover cards, which raise the limit readily.

Reddit · r/CapitalOne · 12 days ago

They started with a Platinum that was upgraded to Quicksilver, alongside a Savor, and have never paid interest by paying the statement balance. They use it lightly and may leave it in a drawer with a small recurring purchase.

Reddit · r/CreditCards · 12 days ago

Has used the card with Sam's Club and Walmart apps for about four years and finds it earns the online rate only about half the time, with workarounds like physical gift cards.

Reddit · r/CreditCards · 12 days ago

Tried many checkouts and Walmart locations with Walmart Pay and could not find a pattern for when the card codes the purchase as online.

Reddit · r/CreditCards · 12 days ago

Got the Cash+ and spent six months cycling spend to use it for utilities; says the rewards calculations had to be fixed by calling in but it was worth the effort.

Reddit · r/CreditCards · 12 days ago

Uses the quarterly 5% utilities category but does not earn it on their water bill because it is coded as a government organisation rather than a utility.

Reddit · r/CapitalOne · 13 days ago

They hold the Quicksilver for good credit, like it and want to keep it, and keep receiving emailed offers from Capital One to product change to the Savor.

Reddit · r/CapitalOne · 13 days ago

They had a fraudulent charge on their Quicksilver card and say fraud only ever happens on their Capital One cards, including debit cards they do not use, which they had disabled.

Reddit · r/CreditCards · 13 days ago

Runs the Everyday card alongside a Savor and finds the pair easy to manage, though it is not good for use abroad.

Reddit · r/CapitalOne · 14 days ago

They have held their Quicksilver for over 15 years as their first real card and still keep it, now using it only for retail discounts and cash back while travel goes on airline and hotel cards.

Reddit · r/CapitalOne · 15 days ago

They had this card closed along with their other Capital One cards after one bounced autopay following surgery, even though they fixed and remade the payment right away.

Reddit · r/CapitalOne · 15 days ago

They had this card closed along with their other Capital One cards after one bounced autopay following surgery, even though they fixed and remade the payment right away.

Reddit · r/CapitalOne · 15 days ago

They were repeatedly flagged as fraudulent despite sending ID and a face scan, eventually closed the card, and saw the remaining balance pulled from their linked bank account.

Reddit · r/CreditCards · 15 days ago

They started on a secured Quicksilver in 2024 that graduated to a regular card, but only got one small limit increase later and barely uses it, calling it a nothing card.

Reddit · r/CapitalOne · 15 days ago

They activated a new Quicksilver and about six days later it still did not appear in their online dashboard, leaving them unable to pay for a purchase already made on the card.

Reddit · r/CapitalOne · 15 days ago

They were approved for a Savor as their second Capital One card and found it odd that it did not appear in their account right away, unlike other issuers that add new cards automatically.

Reddit · r/CreditCards · 15 days ago

Loves the Everyday card and calls the monthly Hulu and Disney credit awesome.

Reddit · r/CapitalOne · 16 days ago

They struggled to add their Capital One cards to a new iPhone and Watch; the Quicksilver only worked on the phone after many support calls that offered no real fix beyond waiting 30 days.

Reddit · r/CreditCards · 16 days ago

Got the card for no foreign fees and 3% at Exxon Mobil, but a recent Mobil app payment earned only 1%; support said it was ineligible without a clear reason, and they have since closed the card.

Reddit · r/CreditCards · 16 days ago

Has the Customized Cash Rewards card but dislikes how Bank of America applies payments and credits compared with Citi, enough to doubt the extra 1% is worth it.

Reddit · r/CreditCards · 16 days ago

Has used the Active Cash for years without any problems, despite some people's dislike of Wells Fargo.

Reddit · r/CreditCards · 17 days ago

The Global Entry credit makes the card worth keeping, and it still sees regular use despite a very low credit limit.

Reddit · r/CapitalOne · 18 days ago

They were alerted to an attempted fraudulent charge on their Discover It card, along with a small one that went through just before, and a replacement card was sent to them.

Reddit · r/CreditCards · 18 days ago

Both spouses use their cards for dining during the first-year promo and are happy with the 6% earn.

Reddit · r/CapitalOne · 19 days ago

One day after approval and before the physical card was even printed, the account was blocked for suspicious activity and required uploading ID and bank verification documents.

Reddit · r/CapitalOne · 19 days ago

They have had ongoing fraud on their Quicksilver for weeks, with recurring charge attempts continuing through several replacement cards. Their card lock kept turning itself off and support could not block the merchant.

Reddit · r/CreditCards · 19 days ago

Holds three of the cards so each can take a quarterly cap of online shopping spend on Amazon.

Reddit · r/ChaseSapphire · 19 days ago

Product change to the Flex took about five minutes.

Reddit · r/CapitalOne · 21 days ago

They turned a Savor into a Quicksilver and found credit limit increases slow, with one request denied before only a small bump on the second try. They wonder whether the card is bucketed.

Reddit · r/CapitalOne · 21 days ago

They have kept their Quicksilver for around ten years and rarely use it, and it has had just one limit increase. They also converted another older card to Quicksilver for the cash back, with no increases since.

Reddit · r/CapitalOne · 21 days ago

They converted a Savor into a Quicksilver and find its credit limit barely moves, with only tiny increases, which they believe means it is bucketed compared with their other card that keeps rising.

Reddit · r/CreditCards · 21 days ago

Phone insurance was removed in exchange for dropping the foreign fee; little value left alongside other Chase cards.

Reddit · r/CreditCards · 21 days ago

Phone protection claim was easy.

Reddit · r/CapitalOne · 22 days ago

They started with a solid limit on their Quicksilver and were given a credit limit increase after only about six months of use, so they dispute the idea that the card is bucketed.

Reddit · r/personalfinance · 22 days ago

They rebuilt their credit and now rotate between two Quicksilver cards, paying them off monthly, but feel the small cash back is nothing special and are looking for better options.

Reddit · r/personalfinance · 22 days ago

They use their Quicksilver as an everyday card for the flat cash back rate, alongside an Amazon card and a Chase Freedom card for category spending.

Reddit · r/personalfinance · 22 days ago

They use a Savor for groceries and their Quicksilver for everything else, paying both off monthly, and are in no hurry to look beyond Capital One.

Reddit · r/personalfinance · 22 days ago

They pair a Savor for groceries and dining with a Fidelity Visa for everything else, and like that neither has spending caps, rotating categories, an annual fee or foreign transaction fees.

Reddit · r/personalfinance · 22 days ago

They have tried Citi, Alliant and Bank of America cash back cards but settled on the Fidelity card because it was easier, with rewards deposited straight into their brokerage account.

Reddit · r/personalfinance · 22 days ago

They use the Fidelity Visa as their everyday card, praising the flat cash back rate, the perks and the absence of an annual fee.

Reddit · r/personalfinance · 22 days ago

They used to hold the Citi Double Cash but a fraud dispute over an Airbnb charge went against them for months until they submitted extensive paperwork, after which they closed the account.

Reddit · r/personalfinance · 22 days ago

They use their Amex Blue Cash Preferred only for groceries and gas because other cards pay better elsewhere, and recommend it to people who cook at home a lot.

Reddit · r/CapitalOne · 22 days ago

Their Quicksilver was closed for suspicious activity that turned out to be their own small payments made to pay the balance down.

Reddit · r/personalfinance · 22 days ago

They have used the Citi Double Cash as their go-to card for many years and value that it earns a flat 2% cash back on everything they buy.

Reddit · r/CreditCards · 22 days ago

Uses the Flex more than the Freedom Unlimited.

Reddit · r/CreditCards · 22 days ago

Likes the Flex paired with the Sapphire Preferred and Venture X.

Reddit · r/CreditCards · 22 days ago

Still uses it in grocery and dining quarters and as its gas card one quarter a year.

Reddit · r/CreditCards · 22 days ago

Product changed the Freedom Unlimited to the Flex and says it is worth it.

Reddit · r/CreditCards · 22 days ago

Great for the quarterly categories, 7% on dining in the current quarter.

Reddit · r/CreditCards · 22 days ago

Most quarters are uninteresting but the good ones are really good.

Reddit · r/CreditCards · 23 days ago

Has had the Apple Card since it launched but finds it does little for their daily purchases, since they rarely use the bonus merchants or Apple Pay. Considers closing it for a card matching their spending.

Reddit · r/CreditCards · 23 days ago

Uses the Apple Card as a 2 to 3 percent rewards card for Apple Pay, Uber, some gas purchases and gift-card deals, and likes the interest-earning rewards and 0% payment plans at Apple.

Reddit · r/CapitalOne · 23 days ago

After a payment bounced on their Quicksilver, support said the card should not close and noted the account; the card stayed open once the returned payment posted, though hardship help had to wait.

Reddit · r/CreditCards · 24 days ago

Nearly two years in with no credit limit increase ever granted, including a denied manual request, despite keeping investments at Fidelity; the low starting limit is frustrating.

Reddit · r/CapitalOne · 24 days ago

They found their months-old Quicksilver declining at several merchants and then vanishing from the app. Support told them to call back later, and the card turned out to be closed over fraud and could not be reopened.

Reddit · r/CreditCards · 25 days ago

They have held the Quicksilver for years as their oldest card but find it kinda useless now that they also carry a 2% Double Cash card. They want to move to a Savor for the dining and grocery bonus categories.

Reddit · r/CreditCards · 25 days ago

They have kept a Quicksilver open since around 2010 as one of their oldest cards and just leave it in a drawer, using it to hold credit history rather than for rewards.

Reddit · r/CreditCards · 25 days ago

They used the Quicksilver far less than their Savor because they already carried 2% cards, so the flat 1.5% rate never earned a place in their regular card rotation.

Reddit · r/CreditCards · 25 days ago

They own the Savor card and like it, saying it works well for vacation spending. They are happy enough with it to recommend it to others weighing a switch from a Quicksilver.

Reddit · r/CapitalOne · 26 days ago

They used a brand new Quicksilver on their first trip to Europe and it was declined everywhere after landing. Support only offered a replacement card, with no compensation for lost rental insurance or foreign fees.

Reddit · r/CreditCards · 26 days ago

Holds four of the cards and values the online shopping category, including gift card purchases and Costco app payments coding as online.

Reddit · r/CreditCards · 27 days ago

They have found that some utility bills earn the 5% category and others do not, even when the biller has the word utility in its name, which they find frustrating.

Reddit · r/CapitalOne · 27 days ago

They like their Quicksilver but admit it is not the best card around, and suggest a newer applicant simply try it and see how it fits their own spending habits.

Reddit · r/CapitalOne · 27 days ago

They are unhappy that Capital One will not raise the credit limit on their Quicksilver, and are only tempted by a Savor offer with a bonus because it would be useful for food spending.

Reddit · r/CapitalOne · 27 days ago

They love their Savor card and consider it well worth having, and suggest adding a Venture X later when they are ready for a travel card.

Reddit · r/CreditCards · 27 days ago

Moved an idle Freedom Unlimited to the Flex for the 5% grocery quarter.

Reddit · r/CreditCards · 27 days ago

Switched from the OG Freedom to the Flex; 7% dining plus 5% grocery makes it their top card.

Reddit · r/ChaseSapphire · 27 days ago

Dining quarter stacked with Paze for 17x points at Dunkin.

Reddit · r/CreditCards · 27 days ago

Moved to the Flex; lost cell phone insurance but gained no foreign transaction fee.

Reddit · r/CreditCards · 28 days ago

They got the Quicksilver in 2020 for its no foreign transaction fees on an international trip, then kept getting declined for a Savor until Capital One offered a seamless product change years later.

Reddit · r/CreditCards · 28 days ago

They held the no annual fee Quicksilver Visa for years as a sock drawer card, then used the product change upgrade link to move to the no annual fee Savor once it became available.

Reddit · r/CapitalOne · 28 days ago

They like their Savor card and currently use it only for grocery purchases, where the category rewards pay off for them.

Reddit · r/CapitalOne · 28 days ago

They use their Savor only for the high-rate entertainment purchases, but dislike that they cannot send the cash back straight into savings the way a Discover card allowed.

Reddit · r/CreditCards · 29 days ago

Timing the application yielded five quarters of first-year double cash back along with the sign-up bonus, and rewards can be redeemed directly into external bank accounts.

Reddit · r/CreditCards · 29 days ago

Targeted email promos when the card sits unused can stack an extra 4% on top of the 5% quarterly category, yielding 9% on gas alongside 5% on wireless bills.

Reddit · r/CreditCards · 29 days ago

Still earns a spot in a ten-card wallet for standout 5% rotating quarters like utilities, even after adding premium travel cards.

Reddit · r/amex · 29 days ago

Would keep the Preferred card longer than any other card.

Reddit · r/CapitalOne · 30 days ago

They took a SavorOne offer after a Quicksilver Secured, but were denied a credit limit increase a few months later and still face the annual fee. They see it as a bucket card while rebuilding their credit.

Reddit · r/CreditCards · 30 days ago

Calls the card the greatest and holds three of them without ever having a problem.

Reddit · r/CreditCards · 30 days ago

Reports the card declining repeatedly at restaurants, gas stations and a travel site for no clear reason, a rewards-linking problem, and disappointment with how the advertised cash back works.

Reddit · r/CreditCards · 30 days ago

Says the card with Preferred Rewards cannot be beaten and that three of them produce most of their yearly cash back.

Reddit · r/CreditCards · 30 days ago

Has had no issues with two of the cards and values the stacked category bonus, while noting the quarterly cap.

Reddit · r/CreditCards · 30 days ago

Uses four of the cards for rent and online shopping without problems, noting only a strict security text check with new merchants early on.

Reddit · r/CreditCards · 30 days ago

Has had a great experience and redeems rewards as a Merrill credit.

Reddit · r/CapitalOne · 30 days ago

Account was restricted after first use of the physical card and support could not explain why.

Reddit · r/CreditCards · 30 days ago

Dislikes the bank but calls the card fine as an all-purpose 2 percent catch-all.

Reddit · r/CreditCards · 30 days ago

Calls the Double Cash no muss no fuss with a great app.

Reddit · r/CreditCards · 30 days ago

Used the Double Cash for years, liking no exclusions but finding Citi security and pop-up ads annoying.

Reddit · r/CreditCards · 30 days ago

Had the Double Cash with zero complaints other than slow first delivery.

Reddit · r/CreditCards · 31 days ago

They prefer the Fidelity Rewards Visa Signature over the Citi Double Cash for having no foreign transaction fee and simple flat cash back with no split posting, and they also like the TSA PreCheck credit.

Reddit · r/CreditCards · 31 days ago

They like the Fidelity 2x cash back card for its free TSA PreCheck or Global Entry credit, though they note a college-age cardholder may not travel enough yet to make use of that perk.

Reddit · r/CapitalOne · 31 days ago

They carried a balance on their only card, a Quicksilver, after an emergency and paid steady monthly interest charges while paying it down. They are still learning how the interest accrues.

Reddit · r/CapitalOne · 31 days ago

They have used Capital One for 25 years and call their Quicksilver their go-to card. Loyalty brought a very high limit, a low interest rate and plenty of cash back.

Reddit · r/CapitalOne · 31 days ago

Their Platinum Secured became a Quicksilver within weeks of getting the deposit back, but Capital One would only offer a VentureOne instead of a Savor upgrade, so they decided to wait for a better Savor offer.

Reddit · r/amex · 31 days ago

Calls the Preferred card an absolute cash back machine that pays for its annual fee with streaming subscriptions.

Reddit · r/CapitalOne · 32 days ago

Got approved for the Quicksilver with an ITIN and started with a high APR and a low starting limit, then later saw slightly better offers after keeping utilization low and wonders about moving up within Capital One.

Reddit · r/CreditCards · 32 days ago

Found cash back redeemed before a due date was not applied to the current statement, causing a late fee that was later reversed, and dislikes the higher APR.

Reddit · r/CreditCards · 32 days ago

Uses the Everyday card with Walmart Pay for in-store 3% back after another card failed to code correctly.

Reddit · r/CreditCards · 32 days ago

Sold on the Everyday card for its online retail and grocery rates and hopes for a no-fee version.

Reddit · r/CreditCards · 32 days ago

Has the Double Cash but sock drawered it after getting the Robinhood Gold card.

Reddit · r/CreditCards · 33 days ago

Used the Preferred card purchase protection after a car part was stolen and was credited the item cost minus shipping.

Reddit · r/CreditCards · 33 days ago

Buys phones by refilling an app store balance with the Preferred card to earn the 6% streaming rate.

Reddit · r/CreditCards · 33 days ago

The Preferred card became a forgotten card because Platinum and Gold cards give more value on groceries and dining.

Reddit · r/CreditCards · 33 days ago

Finds the Preferred card clearly worth its fee over the Everyday card and will keep it.

Reddit · r/CreditCards · 33 days ago

Has held the Preferred card for about three years without paying an annual fee by cycling downgrades and upgrades.

Reddit · r/CreditCards · 33 days ago

Walmart Pay, One Pay and Sams Club scan and go all code at 3% on the Everyday card, though Walmart gas only gave 1%.

Reddit · r/CreditCards · 33 days ago

Pairs the Everyday card with a AAA card and feels set for daily spending.

Reddit · r/CreditCards · 33 days ago

After two years with the Preferred card, plans to downgrade to the Everyday card.

Reddit · r/CreditCards · 33 days ago

Prefers the Everyday card to the Preferred one because most of their spending is online.

Reddit · r/CreditCards · 33 days ago

Opened the Everyday card recently and is enjoying it, and sees the Preferred as only worth it with heavy grocery spend.

Reddit · r/CreditCards · 33 days ago

Holds the Preferred card but plans to downgrade as soon as the annual fee posts.

Reddit · r/CreditCards · 33 days ago

Calls the Preferred card great when cycling upgrades and downgrades, but dislikes the foreign transaction fee.

Reddit · r/CreditCards · 33 days ago

Uses the Preferred card for Safeway groceries and streaming services.

Reddit · r/amex · 33 days ago

Has held the Preferred card for 12 years and gets much more value than it costs, though it lacks the online retail rate.

Reddit · r/amex · 33 days ago

Prefers the no-fee Everyday card over paying the Preferred annual fee.

Reddit · r/CapitalOne · 36 days ago

They picked the Quicksilver for its lack of foreign transaction fees but now find it kind of a lame card. They expect to be offered the move to the Savor.

Reddit · r/CapitalOne · 36 days ago

They use their Quicksilver only for online shopping when a digital coupon beats other cards, since the flat 1.5 percent rate is otherwise underwhelming. A Wells Fargo card covers their everyday 2 percent spending instead.

Reddit · r/CapitalOne · 36 days ago

They really like their Savor, especially with frequent dining out and the streaming rate, and say it earned a lot of cash back. They still hold a Quicksilver but use 2 percent cards.

Reddit · r/CreditCards · 40 days ago

They switched their Citi Custom Cash from groceries to dining, but two of their first five restaurant visits miscoded (a cafe as fast food, a bar-restaurant as a bar), costing them the 5 percent.

Reddit · r/CreditCards · 40 days ago

They still hold a Custom Cash and point to its groceries and gas categories as a reason it pairs well with other 5% choose-your-category cards.

Reddit · r/CapitalOne · 40 days ago

Never had an issue and the issuer raised the limit once or twice after big purchases.

Reddit · r/CapitalOne · 41 days ago

They upgraded a Capital One Platinum to Quicksilver and saw the limit grow over a year, and like it as much as their Savor, which they keep for eating out.

Reddit · r/amex · 42 days ago

They carry a Capital One Savor for spending in Europe because Amex is poorly accepted overseas outside major cities, alongside their Venture X as a daily driver.

Reddit · r/fidelityinvestments · 42 days ago

Took the sign-up offer through a brokerage relationship and finds autopay from the brokerage, which sells enough SPAXX to pay the card, simplifies management.

Reddit · r/ChaseSapphire · 43 days ago

Converted to get the stacked 7% on dining.

Reddit · r/ChaseSapphire · 43 days ago

Product changed two OG Freedoms for 7% dining.

Reddit · r/ChaseSapphire · 43 days ago

Product change by phone took about five minutes with no credit check.

Reddit · r/amex · 44 days ago

Long-time holder of the original Blue Cash card who finds the Everyday card it is being migrated to underwhelming compared with the old grocery and gas rewards.

Reddit · r/ChaseSapphire · 44 days ago

Moving to the Flex gained no foreign transaction fee, but lost Costco acceptance.

Reddit · r/CreditCards · 44 days ago

Likes pooling Active Cash points with the Autograph for transfers.

Reddit · r/CreditCards · 44 days ago

Uses Active Cash to pool points with Autograph Journey for travel redemptions.

Reddit · r/CapitalOne · 45 days ago

They have had Quicksilver for about nine months, use it heavily and pay in full, but found the starting limit very low and Capital One slow to raise it despite repeated requests in the app and by phone.

Reddit · r/CapitalOne · 46 days ago

They hold both the Savor and the Venture X, using the Savor for all their groceries, restaurants and some streaming services alongside their premium travel card.

Reddit · r/CreditCards · 47 days ago

Set up for 5% on utilities until July, then utilities only earned 1%; customer service closed a ticket with a letter blaming merchant coding changes, and a department store purchase also earned 1% while a partial return deducted 5%.

Reddit · r/CreditCards · 47 days ago

As a nine-year Platinum holder, they applied for a Quicksilver and a Savor in the same month and were approved for both, which they think may be because they were already an existing customer.

Reddit · r/CreditCards · 47 days ago

Product change done in under three minutes; looking forward to 7% dining.

Reddit · r/CreditCards · 47 days ago

Still has the CFU but rarely uses it since they have plenty of UR.

Reddit · r/CreditCards · 47 days ago

Got it to simplify the wallet; works well because physical card use is mostly restaurants.

Reddit · r/CreditCards · 47 days ago

Catch-all earning roughly 7,500 to 10,000 UR a month.

Reddit · r/CreditCards · 47 days ago

Uses the CFU as a catch-all within the Chase ecosystem.

Reddit · r/CreditCards · 47 days ago

Uses it for prescriptions but has largely replaced it with another card.

Reddit · r/CreditCards · 47 days ago

Uses the CFU for regular non-category spend.

Reddit · r/CreditCards · 47 days ago

Used the CFU for prescriptions at Walgreens with a stacked bonus.

Reddit · r/CreditCards · 47 days ago

Still uses it for most non-category spend despite 1.5x.

Reddit · r/CreditCards · 47 days ago

Was the catch-all until switching to Robinhood Gold.

Reddit · r/CreditCards · 47 days ago

Only card giving 3x on an online pharmacy; used to be catch-all.

Reddit · r/CreditCards · 48 days ago

They say rewards often posted at only 1% at gas stations despite a 2% selection and at a furniture store despite a 5% category. They call US Bank rewards a scam and are paying it off to cancel.

Reddit · r/CreditCards · 48 days ago

Signed up for the in-branch 5 percent gas and groceries offer.

Reddit · r/ChaseSapphire · 48 days ago

Was the catch-all until switching to Bilt Palladium.

Reddit · r/CapitalOne · 49 days ago

They were approved for the excellent-credit Savor, which came with a 12-month introductory 0% APR and a cash bonus after a modest first-months spend.

Reddit · r/CapitalOne · 49 days ago

They were approved for the bonus-eligible Capital One Savor in July 2026 despite a pretty thin credit profile, suggesting the card is approachable for applicants with limited credit history.

Reddit · r/CapitalOne · 49 days ago

They had over a hundred virtual card numbers on their Quicksilver Mastercard and could not view the merchants after the move to Discover, so they rebuilt them by hand from past transactions.

Reddit · r/personalfinance · 50 days ago

They used their Quicksilver rewards card for large one-off purchases, then moved the balance to a 0% transfer offer elsewhere and paid it off over several months, a routine they followed for years.

Reddit · r/CreditCards · 51 days ago

They barely used their Quicksilver Visa for years, then relied on it heavily during an overseas trip for its zero foreign transaction fee, and were later offered an upgrade to the Savor.

Reddit · r/CreditCards · 51 days ago

They got a Savor this year with a high score and worried about being bucketed, but received a reasonable limit. They use it mainly as a backup card abroad where Amex is not accepted.

Reddit · r/CreditCards · 51 days ago

Chase would not honor the higher welcome offer after approval.

Reddit · r/CreditCards · 52 days ago

Switching from the OG Freedom gained no foreign transaction fees.

Reddit · r/CreditCards · 52 days ago

Phone support refused to match the new higher welcome bonus.

Reddit · r/CreditCards · 52 days ago

Daily setup abroad because more merchants accept it than Amex.

Reddit · r/CreditCards · 53 days ago

Chase offers like 10% Kroger and restaurants stack on top of the categories.

Reddit · r/CreditCards · 53 days ago

Sweet deal with Q1 dining and 9x on flights booked through the portal.

Reddit · r/CreditCards · 54 days ago

Says Walmart Pay in store consistently earns the online shopping bonus on their card, including on many transactions checked over more than a year.

Reddit · r/ChaseSapphire · 54 days ago

Top workhorse card for almost two years with no fee, no foreign fee, 3x categories and rotating 5x.

Reddit · r/personalfinance · 55 days ago

They have used a Capital One Quicksilver for about two years for food, gas and travel and get basic rewards; they are comfortable with it but wonder whether a second card would be better.

Reddit · r/CreditCards · 55 days ago

After applying for the card, was asked to verify identity by fax only and found the Elan phone agent unkind.

Reddit · r/CreditCards · 55 days ago

Has never had any problems with Elan or US Bank and found representatives pleasant when they called.

Reddit · r/CreditCards · 57 days ago

They already hold a Cash+ that they use for utilities and internet bills, and while reshuffling their cards they plan to add a second Cash+ rather than a Smartly card for category spending.

Reddit · r/CapitalOne · 57 days ago

They charged off their Quicksilver and Venture One after a cash crunch, and now say the account is slow to restore available credit and they are stuck with a very low limit and a damaged score.

Reddit · r/CapitalOne · 57 days ago

They closed a Quicksilver they believed was bucketed after months of steady use with no interest, since the limit only barely increased, but kept a larger Quicksilver. They later got a new card with a higher limit.

Reddit · r/CreditCards · 57 days ago

They requested a credit limit increase online on their Quicksilver, which began as a small starter-limit card, and were approved for a large jump. They were pleased with how it grew over time.

Reddit · r/CreditCards · 57 days ago

Catch-all paired with the Sapphire Reserve, earning at least 2.25 cents per dollar.

Reddit · r/CreditCards · 59 days ago

They keep the Quicksilver, their first card, alive by paying a small streaming subscription with it and use other cards for most spending, though the new 3% gas rate might change that.

Reddit · r/CreditCards · 59 days ago

They call their U.S. Bank Cash+ elite, though its top rate applies to fast food rather than sit-down restaurants, and they use it as part of a multi-card setup.

Reddit · r/CreditCards · 59 days ago

They use their Savor for restaurant spending and like its 3% grocery rewards, while their Quicksilver is kept active mainly for a small Apple Music payment.

Reddit · r/CreditCards · 59 days ago

Loves the Preferred card for its streaming and grocery categories and says it easily pays for itself.

Reddit · r/CreditCards · 59 days ago

Likes the Preferred card's grocery rate but misses the Everyday card's online category and hopes to switch back before the annual fee.

Reddit · r/CreditCards · 60 days ago

They have had a Quicksilver for almost ten years but its low limit kept it unused, and Capital One refused an increase. Support offered no escalation path or manual review, so they plan to leave.

Reddit · r/CreditCards · 60 days ago

They have kept a Quicksilver open for years with a single small recurring charge, then moved credit line onto it from another card to make it usable. They find Capital One a bit funky.

Reddit · r/CreditCards · 60 days ago

They first had a Quicksilver with an annual fee, then opened a no-fee one with a much higher limit, moved the credit line over and closed the old one. They think increase denials look random.

Reddit · r/CreditCards · 60 days ago

They have held a Quicksilver for around fifteen years and its limit never grew despite excellent credit and repeated increase denials. They moved their spending to other issuers and consider closing it.

Reddit · r/CapitalOne · 60 days ago

They used Quicksilver as their first card after bankruptcy and found it a great starter card, though they say there are other cash back cards they would recommend instead.

Reddit · r/CreditCards · 61 days ago

They hold a Visa Quicksilver and kept getting upgrade emails that only listed Venture options, until a later email unexpectedly offered Savor, which they took since they no longer had a good streaming card.

Reddit · r/CapitalOne · 61 days ago

They use their Savor for the 3% bonus categories and pair it with a 2% flat card from another bank, so they see no use for a Quicksilver, which they get offered repeatedly.

Reddit · r/CreditCards · 61 days ago

Values the Wallet UI integration far above a 1% difference.

Reddit · r/CreditCards · 62 days ago

Used the Everyday card for several years before upgrading to the Preferred, calling it a great starter card.

Reddit · r/CreditCards · 63 days ago

They already own the Quicksilver and call it one of the worst cards out there, and say they get tired of the constant mailers and offers Capital One sends to push it.

Reddit · r/CapitalOne · 63 days ago

Their first card, a Quicksilver, has been restricted for years after a job loss; they paid the debt in full but support would not reopen it or remove it from their app.

Reddit · r/CapitalOne · 65 days ago

They have held several Quicksilver cards over time, some converted from a Platinum and a Walmart card, and moved credit over to a Savor, now keeping their remaining Quicksilvers as little-used backups.

Reddit · r/CapitalOne · 66 days ago

They had a Quicksilver card with a lot of cash back accumulated, plus a Platinum, and all accounts were closed within a week of one returned payment. Two years later they are still denied new cards by Capital One.

Reddit · r/CreditCards · 66 days ago

They barely use their Quicksilver and keep it open only to preserve their oldest credit line, relying on other cards for groceries and dining.

Reddit · r/CreditCards · 66 days ago

They only use the Quicksilver for specific promotions, finding the 3% gas and grocery update unimpressive since their other no-annual-fee cards already earn more in those categories.

Reddit · r/CapitalOne · 66 days ago

They use their Savor heavily every month and have had no issues over the last few months, though they have not received a credit limit increase.

Reddit · r/amex · 66 days ago

Uses the Blue Cash Preferred for groceries at 6% back, since they rarely eat out.

Reddit · r/CapitalOne · 67 days ago

They have held the Savor since it launched and were approved with a modest limit; after sending income documents on request, Capital One raised their limit automatically. Savor is their only Capital One card.

Reddit · r/ChaseSapphire · 67 days ago

They were first denied for the Freedom Unlimited over debt to income and had to call to clarify that they were only an authorized user on other cards. The reconsideration took a while but ended in approval.

Reddit · r/CapitalOne · 67 days ago

They started with a Capital One secured card and within a few months were approved for a Wells Fargo Active Cash card, suggesting low-limit Capital One cards can be a stepping stone.