Reddit · r/CreditCards · 2 days ago
Uses it as their gas card, earning the boosted 6% in their chosen category during the first year.
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Fresh experiences from real customers, collected from Reddit, YouTube and blogs and linked to their sources.
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/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.
Reddit · r/CreditCards · 68 days ago
They prefer the Wells Fargo Autograph for its broad everyday bonus categories and get good value from its 1:1 JetBlue and 1:2 Wyndham transfers, and found Wells Fargo support and use far from home better.
Reddit · r/CreditCards · 68 days ago
They hold a Visa Quicksilver and called twice over several weeks asking for the Discover version, but reps only offered a Venture product change, even after escalating. They rarely use the card now.
Reddit · r/CreditCards · 68 days ago
They once had a Quicksilver and wanted a Savor, but Capital One would not product change it, so they cancelled it to apply for the Savor. They say the issuer has not approved them for anything since.
Reddit · r/CreditCards · 68 days ago
Uses the Active Cash for everything and keeps accumulating cash back.
Reddit · r/CapitalOne · 69 days ago
They took out a Savor when returning to school, had its limit raised twice without asking, and now rarely use it except for the occasional large purchase.
Reddit · r/CapitalOne · 69 days ago
They have held the Quicksilver for years and say Capital One raised its limit twice without being asked, though they now barely use it since finishing school.
Reddit · r/CapitalOne · 69 days ago
They were upgraded from the Capital One Platinum to the Quicksilver after about five months of use, a relatively quick graduation to an unsecured cash back card.
Reddit · r/personalfinance · 69 days ago
They use their Capital One Savor for eating out and, being grandfathered into the premium version without a fee, pair it with Chase Freedom for rotating categories and Fidelity for a flat 2 percent elsewhere.
Reddit · r/personalfinance · 69 days ago
They put all their household spending on a Chase Freedom Unlimited and get a substantial amount back in cash rewards each year, noting a premium Amex fee would not meaningfully improve their bottom line.
Reddit · r/personalfinance · 69 days ago
They hold an Amex Blue Cash Preferred and find its grocery and streaming cash back worth the annual fee when optimized, though they see little gain from paying for premium cards at their own spending level.
Reddit · r/CapitalOne · 69 days ago
They hold two Quicksilver cards alongside a Savor and a Venture, all stuck at low limits with no increases despite repeated tries. They applied for a new Savor hoping to escape the low bucket.
Reddit · r/CapitalOne · 69 days ago
They started with a Quicksilver as their first credit card and were later approved for both a credit limit increase and a product change to a Savor. They sound happy with how Capital One treated them.
Reddit · r/CreditCards · 71 days ago
They are frustrated by how US Bank handles credit limit increases through a soft pull model and find the bank insanely frustrating to deal with, though the redemption change might make them like the card again.
Reddit · r/CreditCards · 72 days ago
They have kept their Quicksilver Visa Signature since a 2013 phone upgrade from a Platinum card, and hope it stays on Visa rather than moving to the Discover network. Their replacement kept the same number.
Reddit · r/CreditCards · 72 days ago
Found that paying in store at two grocery stores with the PayPal app linked to the card coded as online shopping and earned the top rate.
Reddit · r/personalfinance · 72 days ago
Rewards can only be redeemed to WF accounts including the card itself.
Reddit · r/personalfinance · 72 days ago
Opened a WF checking account to get cash back after check redemption was removed.
Reddit · r/CreditCards · 72 days ago
Uses the Blue Cash Preferred for 6% on groceries and streaming, and its monthly Disney credit offsets the annual fee for them.
Reddit · r/CreditCards · 73 days ago
They hold the Quicksilver on Mastercard and wish Capital One would move it to Discover for 3% gas on a no-annual-fee card, planning to convert the cash back to miles with their Venture X.
Reddit · r/CapitalOne · 74 days ago
They were approved for a Quicksilver and then a Savor about three months apart, saying the supposed six-month Capital One wait between applications did not apply to them.
Reddit · r/CreditCards · 74 days ago
They love their current Quicksilver on the Mastercard network and were weighing the newer version with 3% gas and grocery that moves to Discover, keeping a Sapphire Preferred for travel.
Reddit · r/CreditCards · 74 days ago
Their Quicksilver sat unused in a drawer because the flat 1.5% felt weak, until they product changed it to a Savor to match their other 3% dining cards.
Reddit · r/CreditCards · 75 days ago
A Paze credit still had not posted to the Double Cash after a month.
Reddit · r/CreditCards · 76 days ago
Had an airport Clear+ purchase flagged as potentially fraudulent by Elan.
Reddit · r/CreditCards · 76 days ago
Twelve-year account upgraded to Savor in 2017-18; the grandfathered 4% with no fee has been next level.
Reddit · r/CreditCards · 77 days ago
They were approved for the Quicksilver and tried to claim a Paze wallet promotion, which showed no eligible card until about a week after they activated the physical card.
Reddit · r/CreditCards · 77 days ago
They use their Quicksilver as their only card both at home and abroad, so when offered the switch to the Discover network they opted out because of uncertain acceptance overseas.
Reddit · r/CapitalOne · 77 days ago
They started on the Capital One Platinum, then were upgraded to Quicksilver, and a couple of days later received a credit limit increase. They describe it as a positive progression.
Reddit · r/CapitalOne · 77 days ago
All five Capital One cards were closed with a suspicious-activity email and no explanation.
Reddit · r/CapitalOne · 77 days ago
Loves the Savor; the half-percent lower rate on some things matters less than its other benefits.
Reddit · r/CreditCards · 78 days ago
They report the Cash+ rewards display showing 1% for a while on bonus category purchases until the statement is issued, then correcting, a quirk they have experienced themselves.
Reddit · r/CapitalOne · 78 days ago
They accepted a Quicksilver offer and got the Mastercard version, noting it carries full rewards with no annual fee. They were happy to join the Quicksilver crowd.
Reddit · r/CapitalOne · 78 days ago
They got a Capital One Savor last month and say it has been a blast to use, enjoying the rewards and the credit line they were given.
Reddit · r/CreditCards · 78 days ago
Had their account accidentally locked after ordering a new card and called four days running before Fidelity itself got it unlocked.
Reddit · r/CreditCards · 79 days ago
They noticed when redeeming rewards to their statement that the minimum redemption warning was gone and a tiny redemption worked, which they call a nice change. They had put two of their cards away because of it.
Reddit · r/CapitalOne · 79 days ago
Uses their Quicksilver alongside other Capital One cards with Paze and reports everything works as expected, suggesting another user's checkout errors were probably an app issue and recommending calling support.
Reddit · r/CapitalOne · 79 days ago
They hold two Quicksilver cards plus a Venture and used Paze promo purchases, but credits on the Quicksilvers stopped posting and Capital One support said they had no idea what the credits were.
Reddit · r/CreditCards · 79 days ago
Likes flat 2 percent cards but cannot get the Fidelity card to sync into YNAB, so still reaches for a different card.
Reddit · r/CreditCards · 79 days ago
Calls it an almost perfect card but has asked multiple times for a credit limit increase without success.
Reddit · r/CreditCards · 79 days ago
Finds the card's UI absolutely horrendous and like something out of 2005.
Reddit · r/CreditCards · 79 days ago
Got it to finance Apple devices without a wireless provider, and likes the UI.
Reddit · r/CreditCards · 80 days ago
Really enjoys the card for its UI, financing and Daily Cash into the HYSA.
Reddit · r/CreditCards · 80 days ago
Can no longer finance iPhones on a prepaid carrier, so the card is becoming useless.
Reddit · r/CreditCards · 83 days ago
They held a Quicksilver and a Platinum for three years until Capital One restricted and closed both without warning after returned autopay payments. They were furious about the poor communication and the utilization hit.
Reddit · r/amex · 83 days ago
Good catch-all backup card paired with a Sapphire.
Reddit · r/CreditCards · 84 days ago
They have kept a Quicksilver for over ten years without thinking about it, but worry that the coming Discover network switch will hurt acceptance on their yearly overseas trips.
Reddit · r/amex · 84 days ago
Uses the FU as a backup where Amex is not accepted.
Reddit · r/CreditCards · 85 days ago
They keep their Quicksilver only for the regular 0% balance transfer offers they receive, which they use for investing, while other cards already beat its 3% gas and grocery rate.
Reddit · r/CreditCards · 86 days ago
They have had their Quicksilver for about eleven years but left it unused in a drawer, and would take the Discover switch offer to start using it for gas.
Reddit · r/CreditCards · 86 days ago
They accepted the Discover-network offer and found the 3% gas and grocery boost so valuable that they are cancelling their Amex and Citi cards to make the Quicksilver their everyday card.
Reddit · r/CreditCards · 86 days ago
They mainly use their Quicksilver for car rentals booked through the Capital One portal for boosted cash back, and value that it covers collision damage waiver so they do not need to buy it.
Reddit · r/CreditCards · 86 days ago
They keep their Visa-network Quicksilver as a backup card for use abroad, and are hesitant to accept the Discover switch because it would hurt that role.
Reddit · r/CreditCards · 86 days ago
Their Quicksilver sits completely unused, but they keep it because it is their oldest credit line, and the new grocery rate would give it a role in their lineup.
Reddit · r/CreditCards · 87 days ago
They recently opened the card to earn 5% on a mobile phone bill and a toll tag, but both purchases only earned the base 1% rate, and they are unsure which categories those merchants qualify for.
Reddit · r/CapitalOne · 87 days ago
They hold Quicksilver as one of their oldest cards and found Capital One slow to raise limits, but after checking upgrade options they requested an increase and received a small one within days.
Reddit · r/CapitalOne · 87 days ago
They closed their Quicksilver and Platinum after Capital One denied credit limit increase requests on both, and they are moving their business to a credit union instead.
Reddit · r/CreditCards · 87 days ago
Calls the Everyday card solid with excellent customer service, purchase protection, no annual fee and 3% online and Walmart Pay, and plans to keep it long term.
Reddit · r/CreditCards · 88 days ago
Barely uses the Everyday card but keeps it because repeated credit line increases lifted the limit very high.
Reddit · r/CreditCards · 88 days ago
Uses the Everyday card for its offers, the 3% online, gas and grocery categories and the Disney credit.
Reddit · r/CreditCards · 88 days ago
Uses the Everyday card's online category for recurring pet food and medication orders.
Reddit · r/CapitalOne · 89 days ago
They were approved for the Savor with a low starting line, requested an increase the very next day, and kept getting larger increases every few months by asking again.
Reddit · r/CapitalOne · 89 days ago
They moved from a Walmart card to Platinum, then Quicksilver and Savor, and about four months ago Capital One randomly raised the limits on their Savor and Quicksilver by a lot without them asking.
Reddit · r/CapitalOne · 89 days ago
They took a Quicksilver pre-approval and then accepted an offer to upgrade their no-fee Platinum to Quicksilver, keeping the same rate and line while gaining 1.5% rewards with no credit pull.
Reddit · r/CapitalOne · 89 days ago
They opened their first Capital One card, a Savor, with a generous starting limit despite a middling score, and later added a Venture. They suspect existing 360 savings accounts and household income helped.
Reddit · r/CapitalOne · 89 days ago
One of their most used cards: 4% restaurants and 3% grocery with no annual fee.
Reddit · r/amex · 90 days ago
Uses the Everyday card far more than expected two years after opening it.
Reddit · r/amex · 90 days ago
Was approved for the Everyday card as a newcomer to the US via the global transfer program and says it works great.
Reddit · r/amex · 90 days ago
Owns the Everyday card but never uses it because other cards cover groceries and gas better.
Reddit · r/amex · 90 days ago
Still uses the Everyday card a lot, as a first Amex, for cash back on online orders alongside a Platinum that covers Walmart Plus.
Reddit · r/CreditCards · 90 days ago
Has had the Fidelity card for 16 years and calls it pretty good, though many cards are as good.
Reddit · r/CreditCards · 90 days ago
Paid off the balance after a letter raising the interest rate and found Elan unpleasant to deal with.
Reddit · r/CapitalOne · 90 days ago
Great rewards and one of their favorite cards.
Reddit · r/CapitalOne · 91 days ago
Card number was stolen repeatedly, with three reissues in 1.5 years.
Reddit · r/CreditCards · 91 days ago
Closed it after years due to lackluster earnings.
Reddit · r/CreditCards · 92 days ago
They hold the Savor alongside a Venture X and like managing their Capital One cards from the same portal, finding the pairing simple and convenient.
Reddit · r/CapitalOne · 92 days ago
Easy to get and now their most used card.
Reddit · r/CapitalOne · 92 days ago
Upgraded an old card to the Savor because their kids use it for dining and groceries; 3% beats 1.5%.
Reddit · r/amex · 93 days ago
Has filled the Preferred card's grocery cap every year for about ten years and is not bothered by the annual fee, though wishes the cap were higher.
Reddit · r/CapitalOne · 93 days ago
Still a pretty good card while rebuilding credit.
Reddit · r/CapitalOne · 94 days ago
They were in a similar spot after a past Capital One problem, opened a secured card first, and six months later were approved for a Quicksilver.
Reddit · r/CapitalOne · 94 days ago
They had a Quicksilver as a teen, were careless and it was charged off, and now repeated Capital One applications are declined citing unusual account activity despite the repaid balance.
Reddit · r/CapitalOne · 94 days ago
They were approved for the Savor as their first card after bankruptcy, chose it over other offers for its perks, and are happy with the starting limit as they rebuild their credit.
Reddit · r/CapitalOne · 94 days ago
They were just approved for the Savor with a starting credit line and are pleased, after previously working through a debt consolidation program that included a Capital One account.
Reddit · r/CapitalOne · 94 days ago
They have held a Quicksilver alongside a Platinum for several years and report almost no credit limit growth, with repeated denials for more cards despite never missing a payment and keeping balances low.
Reddit · r/amex · 94 days ago
Uses the Preferred card as their main grocery and streaming card and values the monthly Disney and Hulu credit.
Reddit · r/amex · 94 days ago
Earns a few hundred dollars a year from the Preferred card and is fine paying its annual fee out of that.
Reddit · r/amex · 94 days ago
Says the Preferred card has always offset its annual fee in every year they have used it.
Reddit · r/amex · 95 days ago
They use the Amex Blue Cash Preferred for supermarkets and streaming services in a large household, and report getting a lot of cash back each year from it.
Reddit · r/CapitalOne · 95 days ago
They were approved for the Quicksilver and used it fine for a month, then a large plane ticket purchase got the account restricted, and income verification dragged on without the restriction being lifted.
Reddit · r/CapitalOne · 95 days ago
They use a Quicksilver heavily and saw Capital One automatically raise their limit, though their score dipped, and they are now cutting back while weighing a Savor or Venture One.
Reddit · r/CreditCards · 95 days ago
Says the Fidelity card is zero mental effort for someone with a CMA: no annual fee, coupons or rotating categories.
Reddit · r/CreditCards · 95 days ago
Switched to the Fidelity card as a 2 percent catch-all with no foreign transaction fee after Citi cut its own.
Reddit · r/CreditCards · 95 days ago
Calls it a very good catch-all with 2 percent back, no annual fee, TSA Precheck reimbursement and rewards deposited into a Fidelity account.
Reddit · r/CapitalOne · 96 days ago
They were approved for the Savor and restricted within minutes, but a call with an ID and selfie upload lifted the restriction quickly. They say Capital One support has generally treated them well.
Reddit · r/CreditCards · 96 days ago
They like their Savor Mastercard as a backup dining card and one of their best for international travel, with no declines abroad. They note Capital One is stingy with credit limit increases for the first years.
Reddit · r/CreditCards · 96 days ago
Uses the Fidelity card for large purchases outside bonus categories and likes investing the cash back.
Reddit · r/CreditCards · 97 days ago
They started with the Capital One Platinum as a first card, used it for gas and paid in full, then got upgraded to the Quicksilver. They still have the Quicksilver today.
Reddit · r/CreditCards · 97 days ago
They enjoy the Fidelity Rewards Visa as a flat 2% catch-all card with no foreign transaction fee and recommend it as a second card after a starter card.
Reddit · r/amex · 97 days ago
Confirms the Everyday card rewards can be spent at checkout on Amazon, which is useful for heavy Amazon shoppers.
Reddit · r/CreditCards · 97 days ago
Says it is an actual 2 percent cash back card that also earns on taxes, insurance, tuition and rent, with no caps or annual fee.
Reddit · r/CreditCards · 97 days ago
Calls the Fidelity card solid even though they now use higher catch-all cards.
Reddit · r/CreditCards · 97 days ago
Calls it a great card with unlimited 2 percent cash back and no foreign transaction fees.
Reddit · r/CreditCards · 97 days ago
Loves the simplicity of the card, with no need to chase sales or point combos.
Reddit · r/CreditCards · 97 days ago
Was denied a credit line increase twice and the card went to the sock drawer.
Reddit · r/CreditCards · 97 days ago
Application verification without a banking relationship was a nightmare, though smooth afterwards.
Reddit · r/CreditCards · 98 days ago
Nine to ten months in with no issues and knowledgeable support.
Reddit · r/CreditCards · 98 days ago
Both Autograph and Active Cash are good and the 2 percent adds up.
Reddit · r/CreditCards · 98 days ago
Rates Wells Fargo customer service near the top among several issuers.
Reddit · r/CreditCards · 98 days ago
Wells Fargo caught fraudulent charges before they noticed, twice.
Reddit · r/CapitalOne · 99 days ago
The Savor was their first card in college and has served them well, so they have no interest in the Quicksilver offers they keep receiving.
Reddit · r/CreditCards · 99 days ago
Double Cash shows in Paze and the promotional credits post.
Reddit · r/CapitalOne · 100 days ago
They report being approved for the Quicksilver for Excellent Credit after coming out of a bankruptcy, which they say shows applying can still work out.
Reddit · r/CreditCards · 101 days ago
Great no-annual-fee starter card worth keeping long-term for the 5% quarterly cash back categories, especially during gas and grocery quarters.
Reddit · r/CreditCards · 101 days ago
They have used the Quicksilver for just over a year and really like it, though beyond having no foreign transaction fees they find it not great for their frequent travel.
Reddit · r/CreditCards · 102 days ago
They were moved to the Autograph automatically after the Bilt change, dislike the bank, and are closing it in favor of a Prime Visa since the small gas rewards difference is not worth staying.
Reddit · r/CapitalOne · 102 days ago
They accepted a Savor offer as an existing Quicksilver holder and were approved, but two days later got a closure letter citing unusual account activity, with support giving no further explanation and a hard pull left on file.
Reddit · r/CapitalOne · 102 days ago
They found Capital One rigid about raising the limit on their Quicksilver, but solved it by moving available credit over from a Discover card in the app and closing the unused Discover.
Reddit · r/CapitalOne · 102 days ago
They have had their Quicksilver for over ten years and like its spending categories, but never receive an upgrade offer to the Savor despite calling support and trying online.
Reddit · r/CreditCards · 103 days ago
First-year cash back match and sign-up bonus were compelling enough to open a second card, though working around rotating 5% categories gets somewhat annoying after year one.
Reddit · r/CreditCards · 103 days ago
Decent but not great: the sign-up bonus plus first-year cash back match is really good, and afterward it gets used only when the quarter is 5% dining, gas or groceries, with cash back deposited monthly into a savings account.
Reddit · r/CapitalOne · 103 days ago
Received the $150 Expedia offer cash back after the trip was completed.
Reddit · r/CapitalOne · 104 days ago
They have kept a Quicksilver for over a decade, pay it off every month, and report that Capital One keeps approving credit line increases when they ask.
Reddit · r/CapitalOne · 105 days ago
They have kept a Visa Quicksilver for over ten years and mostly just hold it, waiting for the card to become more useful. They hope Capital One eventually updates its rewards.
Reddit · r/CapitalOne · 105 days ago
They applied for the Quicksilver Mastercard after a pre-approval and were approved the same day. It will not be their daily card, and they hope to be moved to the Discover network version with the higher gas and grocery rate.
Reddit · r/CreditCards · 105 days ago
They saw their Quicksilver account loaded with dozens of merchant offers online and in store, and found the offers work through the link but the cash back takes about 45 days to arrive.
Reddit · r/amex · 105 days ago
Calls the Everyday card a favorite in their wallet thanks to the 3% online rate.
Reddit · r/CreditCards · 105 days ago
Holds two Customized Cash Rewards cards and calls them great for people who bank with Bank of America, though they carry a foreign transaction fee.
Reddit · r/CapitalOne · 106 days ago
They once held four Quicksilver cards at the same time before upgrading, and feel that earning cash back on the card is better than having no rewards at all when Capital One offers an upgrade.
Reddit · r/amex · 106 days ago
Uses the Everyday card as a Walmart card because of its 3% online rate.
Reddit · r/amex · 107 days ago
Loves the Preferred card and says it earns very well, especially with the streaming credit.
Reddit · r/amex · 108 days ago
Has held the Everyday card for over a year with a partner card and loves it, though wants the Preferred as well and finds Sam's Club only earning the base rate.
Reddit · r/amex · 108 days ago
Holds both the Everyday and Preferred cards and makes back the Preferred's annual fee.
Reddit · r/amex · 108 days ago
A Google Play app purchase earned the 3% online retail rate on the Everyday card while a Steam game did not.
Reddit · r/CapitalOne · 109 days ago
They keep a Quicksilver, savings account and auto loan all with Capital One and find the products easy to work with and well integrated.
Reddit · r/personalfinance · 109 days ago
They applied as a college student with no credit history and were approved for the Quicksilver, but were disappointed the starting limit was low despite listing their rent. They wanted to ask the bank to raise it.
Reddit · r/CreditCards · 109 days ago
Calls the card solid and used it to pay a school tuition that coded as online shopping and earned the promo rate.
Reddit · r/CreditCards · 109 days ago
The Flex is so good now, unlike the Unlimited.
Reddit · r/CreditCards · 110 days ago
Uses the card as their online purchase card, finding the category very broad and the promo rate ridiculously good, while noting the quarterly cap.
Reddit · r/CreditCards · 110 days ago
Has the student version and finds it pretty sweet, with a generous starting credit line and a good app, though parts of the website feel old.
Reddit · r/CreditCards · 110 days ago
Nice starter card; the quarterly 5% categories add a useful extra percent for travel points.
Reddit · r/CreditCards · 111 days ago
Felt lucky to get the card before it closed and uses it as their dedicated 5% restaurant card; a short but positive endorsement from a current cardholder.
Reddit · r/CreditCards · 111 days ago
Applied just as the card was closing and was declined with an explanation they found unconvincing, so they moved on to a Chase cash-back setup instead.
Reddit · r/CreditCards · 111 days ago
Product-changed to the card as soon as they learned it was ending; would have liked a sign-up bonus and several copies but settles for just one.
Reddit · r/CreditCards · 112 days ago
Self-described owner and fan who rates the card as good but not insane given the monthly spend cap and Citi's unremarkable points options, and advises against FOMO since alternatives exist.
Reddit · r/CreditCards · 112 days ago
Uses it only for groceries as a minor supporting piece alongside a Double Cash and another cash-back card; values the variety of categories and the ability to get extra copies, but it is not a major player.
Reddit · r/CreditCards · 112 days ago
Calls it basically their best card out of a large collection, helped by the rotating-category cards from Discover and Chase having weak categories this quarter; a short but clearly positive owner take.
Reddit · r/CreditCards · 112 days ago
Owns one copy for dining and, in hindsight, wishes they had collected several like other users did, showing strong enthusiasm for the multiple-card approach this card allowed.
Reddit · r/CreditCards · 112 days ago
Cardholder who finds it a great supplementary card they are glad to have, while noting the monthly spend cap keeps it from moving the needle much and that missing out is not a big deal.
Reddit · r/CreditCards · 112 days ago
Rarely uses the card, ranking it among their least used, and is actually considering cancelling it, a lukewarm take from a current holder after the card closed to new applicants.
Reddit · r/CreditCards · 112 days ago
A couple runs multiple copies each, using them to cover groceries and dining at the 5% rate and collecting a nice monthly cash-back return across the household.
Reddit · r/CreditCards · 112 days ago
Leaves the card unused in their wallet because they find the cash-back offers on the Citi Thank You card (formerly Shop Your Way) far superior.
Reddit · r/CreditCards · 112 days ago
Reports successfully converting another Citi card into this one via a product change after applications closed, done through the app chat with its AI assistant a couple of weeks earlier.
Reddit · r/CreditCards · 112 days ago
Uses the Double Cash as the catch-all for miscellaneous spending and gets a similar monthly return to what a second 5% category card would give once its cap is reached.
Reddit · r/CreditCards · 112 days ago
They put their monthly rent, gas and groceries spend on their Quicksilver and pay it off each month, but think another card could earn them more value.
Reddit · r/CreditCards · 112 days ago
They kept their Quicksilver as a first card and added a Savor later, using the Savor for groceries and dining and the Quicksilver for its 1.5% on everything else.
Reddit · r/CreditCards · 112 days ago
Likes the card but finds Elan's phone support poor, including a hassle reporting random charges.
Reddit · r/CreditCards · 112 days ago
Uses the card every day with no issues.
Reddit · r/CreditCards · 113 days ago
They chatted with Citi in late July 2026 and were refused both a product change to the Custom Cash and a new application, concluding that the option was gone.
Reddit · r/CreditCards · 116 days ago
The 2% cash back is deposited automatically into their Fidelity account, making rewards hands-off, and it serves as the backup to an Amex 2% card for vendors that do not take American Express.
Reddit · r/CapitalOne · 116 days ago
They applied for the Savor and received the physical card exactly a week later, which they considered a normal turnaround for an unsecured Capital One card. They had no problems with delivery.
Reddit · r/CapitalOne · 116 days ago
They waited around ten days for their Savor card to be delivered and were relieved when it finally came, after which they could add it to Google Pay. The delay was their only complaint.
Reddit · r/personalfinance · 116 days ago
Good, simple flat 2 percent cashback card added to their lineup.
Reddit · r/fidelityinvestments · 118 days ago
Rewards balance shown in the account looks far lower than expected for the amount spent, with no obvious way to see a points history.
Reddit · r/CreditCards · 119 days ago
They use the Cash+ as one of their most used cards, picking the 5% fast food category and opting for 2% on restaurants, with many 5% categories to choose from.
Reddit · r/CreditCards · 119 days ago
They love the Cash+, setting 5% on home utilities and fast food plus 2% on gas or restaurants; the cash back piles up with heavy spend in those categories, subject to a quarterly cap.
Reddit · r/CreditCards · 119 days ago
They found the Cash+ sounded great in theory but gave little in practice because none of their utilities code for the 5% category, a point they flag for other applicants.