Reddit · r/CreditCards · 3 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 · 3 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 · 3 days ago
Product-changed a Quicksilver Visa to a Savor and reports it still shows as a Visa in the app.
Reddit · r/fidelityinvestments · 4 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 · 4 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 · 4 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 · 5 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 · 6 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 · 6 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 · 6 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 · 6 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 · 8 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 · 10 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 · 10 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 · 12 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 · 12 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 · 12 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 · 12 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 · 13 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 · 13 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 · 13 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 · 13 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 · 13 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 · 13 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 · 13 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 · 13 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 · 14 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 · 14 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 · 14 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 · 15 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 · 16 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 · 16 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 · 16 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 · 16 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 · 16 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 · 16 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 · 16 days ago
Loves the Everyday card and calls the monthly Hulu and Disney credit awesome.
Reddit · r/CapitalOne · 17 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 · 17 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 · 17 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 · 17 days ago
Has used the Active Cash for years without any problems, despite some people's dislike of Wells Fargo.
Reddit · r/CreditCards · 18 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 · 19 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 · 19 days ago
Both spouses use their cards for dining during the first-year promo and are happy with the 6% earn.
Reddit · r/CapitalOne · 20 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 · 20 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 · 20 days ago
Holds three of the cards so each can take a quarterly cap of online shopping spend on Amazon.
Reddit · r/ChaseSapphire · 20 days ago
Product change to the Flex took about five minutes.
Reddit · r/CapitalOne · 22 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 · 22 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 · 22 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 · 22 days ago
Phone insurance was removed in exchange for dropping the foreign fee; little value left alongside other Chase cards.
Reddit · r/CapitalOne · 23 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 · 23 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 · 23 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 · 23 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 · 23 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 · 23 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 · 23 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 · 23 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 · 23 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 · 23 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 · 23 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 · 23 days ago
Uses the Flex more than the Freedom Unlimited.
Reddit · r/CreditCards · 23 days ago
Likes the Flex paired with the Sapphire Preferred and Venture X.
Reddit · r/CreditCards · 23 days ago
Still uses it in grocery and dining quarters and as its gas card one quarter a year.
Reddit · r/CreditCards · 23 days ago
Product changed the Freedom Unlimited to the Flex and says it is worth it.
Reddit · r/CreditCards · 23 days ago
Great for the quarterly categories, 7% on dining in the current quarter.
Reddit · r/CreditCards · 23 days ago
Most quarters are uninteresting but the good ones are really good.
Reddit · r/CreditCards · 24 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 · 24 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 · 24 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 · 25 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 · 25 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 · 26 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 · 26 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 · 26 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 · 26 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 · 27 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 · 27 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 · 28 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 · 28 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 · 28 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 · 28 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 · 28 days ago
Moved an idle Freedom Unlimited to the Flex for the 5% grocery quarter.
Reddit · r/CreditCards · 28 days ago
Switched from the OG Freedom to the Flex; 7% dining plus 5% grocery makes it their top card.
Reddit · r/ChaseSapphire · 28 days ago
Dining quarter stacked with Paze for 17x points at Dunkin.
Reddit · r/CreditCards · 28 days ago
Moved to the Flex; lost cell phone insurance but gained no foreign transaction fee.
Reddit · r/CreditCards · 29 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 · 29 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 · 29 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 · 29 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 · 30 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 · 30 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 · 30 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 · 30 days ago
Would keep the Preferred card longer than any other card.
Reddit · r/CapitalOne · 31 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 · 31 days ago
Calls the card the greatest and holds three of them without ever having a problem.
Reddit · r/CreditCards · 31 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 · 31 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 · 31 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 · 31 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 · 31 days ago
Has had a great experience and redeems rewards as a Merrill credit.
Reddit · r/CapitalOne · 31 days ago
Account was restricted after first use of the physical card and support could not explain why.
Reddit · r/CreditCards · 31 days ago
Dislikes the bank but calls the card fine as an all-purpose 2 percent catch-all.
Reddit · r/CreditCards · 31 days ago
Calls the Double Cash no muss no fuss with a great app.
Reddit · r/CreditCards · 31 days ago
Used the Double Cash for years, liking no exclusions but finding Citi security and pop-up ads annoying.
Reddit · r/CreditCards · 31 days ago
Had the Double Cash with zero complaints other than slow first delivery.
Reddit · r/CreditCards · 32 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 · 32 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 · 32 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 · 32 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 · 32 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 · 32 days ago
Calls the Preferred card an absolute cash back machine that pays for its annual fee with streaming subscriptions.
Reddit · r/CapitalOne · 33 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 · 33 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 · 33 days ago
Uses the Everyday card with Walmart Pay for in-store 3% back after another card failed to code correctly.
Reddit · r/CreditCards · 33 days ago
Sold on the Everyday card for its online retail and grocery rates and hopes for a no-fee version.
Reddit · r/CreditCards · 33 days ago
Has the Double Cash but sock drawered it after getting the Robinhood Gold card.
Reddit · r/CreditCards · 34 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 · 34 days ago
Buys phones by refilling an app store balance with the Preferred card to earn the 6% streaming rate.
Reddit · r/CreditCards · 34 days ago
The Preferred card became a forgotten card because Platinum and Gold cards give more value on groceries and dining.
Reddit · r/CreditCards · 34 days ago
Finds the Preferred card clearly worth its fee over the Everyday card and will keep it.
Reddit · r/CreditCards · 34 days ago
Has held the Preferred card for about three years without paying an annual fee by cycling downgrades and upgrades.
Reddit · r/CreditCards · 34 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 · 34 days ago
Pairs the Everyday card with a AAA card and feels set for daily spending.
Reddit · r/CreditCards · 34 days ago
After two years with the Preferred card, plans to downgrade to the Everyday card.
Reddit · r/CreditCards · 34 days ago
Prefers the Everyday card to the Preferred one because most of their spending is online.
Reddit · r/CreditCards · 34 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 · 34 days ago
Holds the Preferred card but plans to downgrade as soon as the annual fee posts.
Reddit · r/CreditCards · 34 days ago
Calls the Preferred card great when cycling upgrades and downgrades, but dislikes the foreign transaction fee.
Reddit · r/CreditCards · 34 days ago
Uses the Preferred card for Safeway groceries and streaming services.
Reddit · r/amex · 34 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 · 34 days ago
Prefers the no-fee Everyday card over paying the Preferred annual fee.
Reddit · r/CapitalOne · 37 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 · 37 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 · 37 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 · 41 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 · 41 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 · 41 days ago
Never had an issue and the issuer raised the limit once or twice after big purchases.
Reddit · r/CapitalOne · 42 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 · 43 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 · 43 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 · 44 days ago
Converted to get the stacked 7% on dining.
Reddit · r/ChaseSapphire · 44 days ago
Product changed two OG Freedoms for 7% dining.
Reddit · r/ChaseSapphire · 44 days ago
Product change by phone took about five minutes with no credit check.
Reddit · r/amex · 45 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 · 45 days ago
Moving to the Flex gained no foreign transaction fee, but lost Costco acceptance.
Reddit · r/CreditCards · 45 days ago
Likes pooling Active Cash points with the Autograph for transfers.
Reddit · r/CreditCards · 45 days ago
Uses Active Cash to pool points with Autograph Journey for travel redemptions.
Reddit · r/CapitalOne · 46 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 · 47 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 · 48 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 · 48 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 · 48 days ago
Product change done in under three minutes; looking forward to 7% dining.
Reddit · r/CreditCards · 48 days ago
Still has the CFU but rarely uses it since they have plenty of UR.
Reddit · r/CreditCards · 48 days ago
Got it to simplify the wallet; works well because physical card use is mostly restaurants.
Reddit · r/CreditCards · 48 days ago
Catch-all earning roughly 7,500 to 10,000 UR a month.
Reddit · r/CreditCards · 48 days ago
Uses the CFU as a catch-all within the Chase ecosystem.
Reddit · r/CreditCards · 48 days ago
Uses it for prescriptions but has largely replaced it with another card.
Reddit · r/CreditCards · 48 days ago
Uses the CFU for regular non-category spend.
Reddit · r/CreditCards · 48 days ago
Used the CFU for prescriptions at Walgreens with a stacked bonus.
Reddit · r/CreditCards · 48 days ago
Still uses it for most non-category spend despite 1.5x.
Reddit · r/CreditCards · 48 days ago
Was the catch-all until switching to Robinhood Gold.
Reddit · r/CreditCards · 48 days ago
Only card giving 3x on an online pharmacy; used to be catch-all.
Reddit · r/CreditCards · 49 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 · 49 days ago
Signed up for the in-branch 5 percent gas and groceries offer.
Reddit · r/ChaseSapphire · 49 days ago
Was the catch-all until switching to Bilt Palladium.
Reddit · r/CapitalOne · 50 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 · 50 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 · 50 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 · 51 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 · 52 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 · 52 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 · 52 days ago
Chase would not honor the higher welcome offer after approval.
Reddit · r/CreditCards · 53 days ago
Switching from the OG Freedom gained no foreign transaction fees.
Reddit · r/CreditCards · 53 days ago
Phone support refused to match the new higher welcome bonus.
Reddit · r/CreditCards · 53 days ago
Daily setup abroad because more merchants accept it than Amex.
Reddit · r/CreditCards · 54 days ago
Chase offers like 10% Kroger and restaurants stack on top of the categories.
Reddit · r/CreditCards · 54 days ago
Sweet deal with Q1 dining and 9x on flights booked through the portal.
Reddit · r/CreditCards · 55 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 · 55 days ago
Top workhorse card for almost two years with no fee, no foreign fee, 3x categories and rotating 5x.
Reddit · r/personalfinance · 56 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 · 56 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 · 56 days ago
Has never had any problems with Elan or US Bank and found representatives pleasant when they called.
Reddit · r/CreditCards · 58 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 · 58 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 · 58 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 · 58 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 · 58 days ago
Catch-all paired with the Sapphire Reserve, earning at least 2.25 cents per dollar.
Reddit · r/CreditCards · 60 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 · 60 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 · 60 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 · 60 days ago
Loves the Preferred card for its streaming and grocery categories and says it easily pays for itself.
Reddit · r/CreditCards · 60 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 · 61 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 · 61 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 · 61 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 · 61 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 · 61 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 · 62 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 · 62 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 · 62 days ago
Values the Wallet UI integration far above a 1% difference.
Reddit · r/CreditCards · 63 days ago
Used the Everyday card for several years before upgrading to the Preferred, calling it a great starter card.
Reddit · r/CreditCards · 64 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 · 64 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 · 66 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 · 67 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 · 67 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 · 67 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 · 67 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 · 67 days ago
Uses the Blue Cash Preferred for groceries at 6% back, since they rarely eat out.
Reddit · r/CapitalOne · 68 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 · 68 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 · 68 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 · 69 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 · 69 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 · 69 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 · 69 days ago
Uses the Active Cash for everything and keeps accumulating cash back.
Reddit · r/CapitalOne · 70 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 · 70 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 · 70 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 · 70 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 · 70 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 · 70 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 · 70 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 · 70 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 · 72 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 · 73 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 · 73 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 · 73 days ago
Rewards can only be redeemed to WF accounts including the card itself.
Reddit · r/personalfinance · 73 days ago
Opened a WF checking account to get cash back after check redemption was removed.
Reddit · r/CreditCards · 73 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 · 74 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 · 75 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 · 75 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 · 75 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 · 76 days ago
A Paze credit still had not posted to the Double Cash after a month.
Reddit · r/CreditCards · 77 days ago
Had an airport Clear+ purchase flagged as potentially fraudulent by Elan.
Reddit · r/CreditCards · 77 days ago
Twelve-year account upgraded to Savor in 2017-18; the grandfathered 4% with no fee has been next level.
Reddit · r/CreditCards · 78 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 · 78 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 · 78 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 · 78 days ago
All five Capital One cards were closed with a suspicious-activity email and no explanation.
Reddit · r/CapitalOne · 78 days ago
Loves the Savor; the half-percent lower rate on some things matters less than its other benefits.
Reddit · r/CreditCards · 79 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 · 79 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 · 79 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 · 79 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 · 80 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 · 80 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 · 80 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 · 80 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 · 80 days ago
Calls it an almost perfect card but has asked multiple times for a credit limit increase without success.
Reddit · r/CreditCards · 80 days ago
Finds the card's UI absolutely horrendous and like something out of 2005.
Reddit · r/CreditCards · 80 days ago
Got it to finance Apple devices without a wireless provider, and likes the UI.
Reddit · r/CreditCards · 81 days ago
Really enjoys the card for its UI, financing and Daily Cash into the HYSA.
Reddit · r/CreditCards · 81 days ago
Can no longer finance iPhones on a prepaid carrier, so the card is becoming useless.
Reddit · r/CreditCards · 84 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 · 84 days ago
Good catch-all backup card paired with a Sapphire.
Reddit · r/CreditCards · 85 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 · 85 days ago
Uses the FU as a backup where Amex is not accepted.
Reddit · r/CreditCards · 86 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 · 87 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 · 87 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 · 87 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 · 87 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 · 87 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 · 88 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 · 88 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 · 88 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 · 88 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 · 89 days ago
Barely uses the Everyday card but keeps it because repeated credit line increases lifted the limit very high.
Reddit · r/CreditCards · 89 days ago
Uses the Everyday card for its offers, the 3% online, gas and grocery categories and the Disney credit.
Reddit · r/CreditCards · 89 days ago
Uses the Everyday card's online category for recurring pet food and medication orders.
Reddit · r/CapitalOne · 90 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 · 90 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 · 90 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 · 90 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 · 90 days ago
One of their most used cards: 4% restaurants and 3% grocery with no annual fee.
Reddit · r/amex · 91 days ago
Uses the Everyday card far more than expected two years after opening it.
Reddit · r/amex · 91 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 · 91 days ago
Owns the Everyday card but never uses it because other cards cover groceries and gas better.
Reddit · r/amex · 91 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 · 91 days ago
Has had the Fidelity card for 16 years and calls it pretty good, though many cards are as good.
Reddit · r/CreditCards · 91 days ago
Paid off the balance after a letter raising the interest rate and found Elan unpleasant to deal with.
Reddit · r/CapitalOne · 91 days ago
Great rewards and one of their favorite cards.
Reddit · r/CapitalOne · 92 days ago
Card number was stolen repeatedly, with three reissues in 1.5 years.
Reddit · r/CreditCards · 92 days ago
Closed it after years due to lackluster earnings.
Reddit · r/CreditCards · 93 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 · 93 days ago
Easy to get and now their most used card.
Reddit · r/CapitalOne · 93 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 · 94 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 · 94 days ago
Still a pretty good card while rebuilding credit.
Reddit · r/CapitalOne · 95 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 · 95 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 · 95 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 · 95 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 · 95 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 · 95 days ago
Uses the Preferred card as their main grocery and streaming card and values the monthly Disney and Hulu credit.
Reddit · r/amex · 95 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 · 95 days ago
Says the Preferred card has always offset its annual fee in every year they have used it.
Reddit · r/amex · 96 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 · 96 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 · 96 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 · 96 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 · 96 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 · 96 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 · 97 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 · 97 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 · 97 days ago
Uses the Fidelity card for large purchases outside bonus categories and likes investing the cash back.
Reddit · r/CreditCards · 98 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 · 98 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 · 98 days ago
Confirms the Everyday card rewards can be spent at checkout on Amazon, which is useful for heavy Amazon shoppers.
Reddit · r/CreditCards · 98 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 · 98 days ago
Calls the Fidelity card solid even though they now use higher catch-all cards.
Reddit · r/CreditCards · 98 days ago
Calls it a great card with unlimited 2 percent cash back and no foreign transaction fees.
Reddit · r/CreditCards · 98 days ago
Loves the simplicity of the card, with no need to chase sales or point combos.
Reddit · r/CreditCards · 98 days ago
Was denied a credit line increase twice and the card went to the sock drawer.
Reddit · r/CreditCards · 98 days ago
Application verification without a banking relationship was a nightmare, though smooth afterwards.
Reddit · r/CreditCards · 99 days ago
Nine to ten months in with no issues and knowledgeable support.
Reddit · r/CreditCards · 99 days ago
Both Autograph and Active Cash are good and the 2 percent adds up.
Reddit · r/CreditCards · 99 days ago
Rates Wells Fargo customer service near the top among several issuers.
Reddit · r/CreditCards · 99 days ago
Wells Fargo caught fraudulent charges before they noticed, twice.
Reddit · r/CapitalOne · 100 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 · 100 days ago
Double Cash shows in Paze and the promotional credits post.
Reddit · r/CapitalOne · 101 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 · 102 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 · 102 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 · 103 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 · 103 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 · 103 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 · 103 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 · 104 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 · 104 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 · 104 days ago
Received the $150 Expedia offer cash back after the trip was completed.
Reddit · r/CapitalOne · 105 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 · 106 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 · 106 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 · 106 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 · 106 days ago
Calls the Everyday card a favorite in their wallet thanks to the 3% online rate.
Reddit · r/CreditCards · 106 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 · 107 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 · 107 days ago
Uses the Everyday card as a Walmart card because of its 3% online rate.
Reddit · r/amex · 108 days ago
Loves the Preferred card and says it earns very well, especially with the streaming credit.
Reddit · r/amex · 109 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 · 109 days ago
Holds both the Everyday and Preferred cards and makes back the Preferred's annual fee.
Reddit · r/amex · 109 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 · 110 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 · 110 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 · 110 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 · 110 days ago
The Flex is so good now, unlike the Unlimited.
Reddit · r/CreditCards · 111 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 · 111 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 · 111 days ago
Nice starter card; the quarterly 5% categories add a useful extra percent for travel points.
Reddit · r/CreditCards · 112 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 · 112 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 · 112 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 · 113 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 · 113 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 · 113 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 · 113 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 · 113 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 · 113 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 · 113 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 · 113 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 · 113 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 · 113 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 · 113 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 · 113 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 · 113 days ago
Likes the card but finds Elan's phone support poor, including a hassle reporting random charges.
Reddit · r/CreditCards · 113 days ago
Uses the card every day with no issues.
Reddit · r/CreditCards · 114 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 · 117 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 · 117 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 · 117 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 · 117 days ago
Good, simple flat 2 percent cashback card added to their lineup.
Reddit · r/fidelityinvestments · 119 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 · 120 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 · 120 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 · 120 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.
Reddit · r/CreditCards · 120 days ago
They say the Cash+ redeems 1:1 as a statement credit, unlike Altitude cards, and tolerate the redemption minimum given their high utility bills.
Reddit · r/CreditCards · 121 days ago
Holds four Custom Cash cards, and none of them has changed in either the Citi app or Apple Wallet.
Reddit · r/CreditCards · 121 days ago
They held a regular Quicksilver but felt bucketed, as every credit line increase request was denied. They stopped using it, and Capital One closed it after two years of no use.
Reddit · r/CapitalOne · 122 days ago
They like the Savor a lot and call it a very good card, noting that hotel bookings through Capital One Travel earn a boosted rate while other hotel spending earns only the standard rate.
Reddit · r/CreditCards · 125 days ago
They got the Autograph mainly for its lack of foreign transaction fees, as a card to use abroad when their Amex is not accepted.
Reddit · r/CapitalOne · 125 days ago
They say Capital One quadrupled their Savor credit limit without them even asking, contradicting the claim that accounts get stuck in a bucket.
Reddit · r/fidelityinvestments · 125 days ago
Fidelity Visa rewards transfer automatically to the CMA, and the website and support have been really good.
Reddit · r/CreditCards · 126 days ago
They call the Fidelity Rewards Visa Signature their favorite flat-rate card and consider it objectively better than the Quicksilver, noting that the sign-up bonuses are going away.
Reddit · r/CreditCards · 126 days ago
Their first credit card was the Customized Cash Rewards card, approved easily because they already banked with Bank of America.
Reddit · r/CreditCards · 127 days ago
They hold the Autograph and say it is the one card they would keep if they had to close all others, while noting Wells Fargo now does hard inquiries for credit line increase requests.
Reddit · r/CreditCards · 127 days ago
They have had the no-annual-fee Autograph for about five years alongside the Active Cash, like it for bargain travel and transfers, and praise customer service that handled a stolen card number several times and a cancelled room.
Reddit · r/personalfinance · 127 days ago
They noticed their Quicksilver carries a much higher interest rate than their other bank cards despite excellent credit, though they rarely carry a balance. They opened it about two years ago.
Reddit · r/personalfinance · 127 days ago
They hold a Quicksilver among several cards and say its interest rate is lower than their Chase Freedom cards, because the rate was set when they applied during a low rate era with good credit.
Reddit · r/CapitalOne · 127 days ago
They use their Savor for groceries because their travel cards lack a proper grocery multiplier, treating the cash back as money to invest, and recommend keeping the card.
Reddit · r/CreditCards · 127 days ago
Phone insurance claim years ago was a nightmare.
Reddit · r/ChaseSapphire · 127 days ago
Attended a Chase FIFA watch party offered to FU holders with free entry, food and drinks.
Reddit · r/ChaseSapphire · 127 days ago
Only the first Paze purchase on their Freedom Unlimited coded correctly, and Chase escalated the issue.
Reddit · r/CreditCards · 128 days ago
They opened the Autograph for a points run and found it a headache: transactions get blocked as fraud, transfers to most airline partners fail on name truncation, and they plan to move points out and close it.
Reddit · r/CreditCards · 128 days ago
They converted a Strata Premier to a Custom Cash by phone in July 2026 after Citi stopped new applications, got a helpful rep, and advised that others may need to call a few times.
Reddit · r/CreditCards · 128 days ago
They phoned Citi and converted their Double Cash into a Custom Cash after new applications were turned off, and suggested calling rather than relying on the chat agent for the product change.
Reddit · r/CreditCards · 128 days ago
They called Citi trying to product change a Strata Premier into a Custom Cash and were told conversions were discontinued, then sent to another team that claimed it does not do conversions; they found the reps poor.
Reddit · r/CreditCards · 128 days ago
They were accepted for the Fidelity Rewards Visa Signature with no prior credit history, a data point suggesting the card is approachable for first-time applicants.
Reddit · r/CreditCards · 128 days ago
They were shown as pre-approved for the Fidelity Rewards Visa Signature, but the application triggered an identity verification step with faxed documents and a wait, which they blame on their thin credit file.
Reddit · r/CapitalOne · 128 days ago
They hold the Quicksilver but rarely use it, saying its rewards are not as good as their other cards. It was their entry point into Capital One.
Reddit · r/CapitalOne · 128 days ago
They own the Quicksilver and describe it as a flat cash back card that earns the same rate on every purchase, and they were glad to learn about the Savor card from the thread.
Reddit · r/CapitalOne · 128 days ago
They use the Savor for restaurants, delivery and grocery purchases, which they say is basically what it is good for, and it is one of three Capital One cards they hold.
Reddit · r/CapitalOne · 128 days ago
They just received and activated their Capital One Savor but still cannot create virtual cards in the app, getting an error, and support has only said to wait for it to work.
Reddit · r/CapitalOne · 128 days ago
They downgraded to Quicksilver and regretted it, advising others to apply for it separately for the bonus and keep their Savor. They now hold two Quicksilvers alongside two Savors and a Venture.
Reddit · r/CapitalOne · 128 days ago
They moved from Savor down to Quicksilver and found it took a while to get the Savor back. They now run Savor, Quicksilver and Venture as a no-fee trio, keeping Venture alive for its transfer partners.
Reddit · r/personalfinance · 128 days ago
Used the Preferred card until a better grocery card made it redundant, then product-changed down to the Everyday card.
Reddit · r/CreditCards · 128 days ago
Had the card for a while but it continually failed to deposit rewards into their Fidelity accounts, so they closed it.
Reddit · r/CreditCards · 128 days ago
Says Fidelity is awesome but the card is only fine for having everything in one spot and dislikes the issuer, Elan.
Reddit · r/ChaseSapphire · 128 days ago
Three of seven Paze purchases on their Freedom Unlimited missed the bonus and credit.
Reddit · r/CreditCards · 129 days ago
Now being charged interest on purchases despite expecting a 0% intro APR, and support says the account does not have the promotion; no email or welcome packet was kept.
Reddit · r/CapitalOne · 129 days ago
They were approved for the Savor with a surprisingly high limit despite expecting Capital One to be conservative, and earned the sign-up bonus after moving their banking over to the bank.
Reddit · r/CreditCards · 129 days ago
They got the Fidelity Rewards Visa Signature as a long-time Fidelity customer after a targeted bonus offer, sorted out a bonus code mix-up through support, and are very happy with the card so far.
Reddit · r/CreditCards · 129 days ago
They chose the Fidelity Rewards Visa Signature for its flat 2% cash back and lack of foreign transaction fees, and received a generous limit that they say they do not care much about.
Reddit · r/CreditCards · 129 days ago
They were approved for the Fidelity Rewards Visa Signature but received a very low starting limit compared with their other cards, which they found baffling given their credit profile.
Reddit · r/CreditCards · 129 days ago
They received a low starting limit on the Fidelity Rewards Visa Signature but got a limit increase approved after six months of on-time payments, which they find good enough for their needs.
Reddit · r/CapitalOne · 129 days ago
They hold two Visa Quicksilver cards that have not been moved to Discover, possibly because of international travel and Costco use, while their spouse's moved card already earns 3% on gas and groceries.
Reddit · r/CapitalOne · 129 days ago
Their Visa Quicksilver was swapped to the Discover network, replacing the card early; rewards look unchanged and they do not plan to activate the new card because they do not want Discover.
Reddit · r/CapitalOne · 129 days ago
Their Quicksilver Visa was switched to the Discover network just a week before a European vacation, which left the card unusable for that trip.
Reddit · r/CapitalOne · 129 days ago
They grew their Savor credit line steadily by letting high statement balances post and paying in full, asking for an increase in the app every few statements.
Reddit · r/ChaseSapphire · 129 days ago
Got all their Paze credits on the Freedom Unlimited.
Reddit · r/ChaseSapphire · 129 days ago
Their Freedom Unlimited and Freedom earned the bonus points but not the Paze credits, unlike their Freedom Flex.
Reddit · r/CreditCards · 130 days ago
They own the card and say they earn the maximum annual rewards allowed, calling it a great card that rewards their category spending well.
Reddit · r/CapitalOne · 131 days ago
They use a Quicksilver and bought tires through a Capital One Offers deal for cashback, but the reward had not arrived after more than a week and they got no notice about it.
Reddit · r/CreditCards · 131 days ago
Uses it as main card with no complaints and a simple 2 percent, and has not seen lock issues.
Reddit · r/CreditCards · 131 days ago
Loves Fidelity Brokerage but says Elan Financial has done them dirty with the card.
Reddit · r/CreditCards · 132 days ago
They converted a Double Cash to a Custom Cash in June by product change after two months and after earning the sign-up bonus, an easy upgrade path while it was still available.
Reddit · r/CreditCards · 133 days ago
They report that their water company does not code as a utility on this card, so those payments do not earn the 5% bonus rate they expected.
Reddit · r/CreditCards · 133 days ago
They are canceling their Quicksilver because Capital One keeps them at a low credit limit even after their credit improved, and they find Chase Freedom a better card.
Reddit · r/CreditCards · 134 days ago
They use the card for household expenses with utilities and streaming as 5% categories and recommend it highly, enjoying the intro 0% period. The only drawback is the US Bank app and portal, which they find poor.
Reddit · r/CreditCards · 134 days ago
They pair the card with a Bank of America card to free up a 5% category, prepay a utility with a flat card fee near quarter end, and delay choosing their Cash+ category each quarter.
Reddit · r/CreditCards · 134 days ago
They use the card only for utilities and say the rewards reliably pay out, but merchant category coding can be unreliable, and they would not trust other categories such as electronics or clothing stores.
Reddit · r/CreditCards · 134 days ago
They run their utilities, internet service and streaming through the card, all of which earn 5%, and use other cards in their rotation for cell service, gas and everything else.
Reddit · r/CreditCards · 134 days ago
They use the card for gyms and utilities, two categories where other cards earned them under 2%, and accept that US Bank's infrastructure is poor because 5% cash back is worth it.
Reddit · r/CreditCards · 134 days ago
They found the gas utility service fee erased the benefit, but the card works well for streaming and department stores such as eBay. They do not like the minimum for redeeming rewards.
Reddit · r/CreditCards · 134 days ago
They set up the card years ago and mostly forget about it, but their large cell phone bill hit the quarterly cap, so they opened a second one to keep earning 5% on that spending.
Reddit · r/CreditCards · 134 days ago
They love their Cash+ and consider it an excellent card, and they have been thinking about getting a second one to cover more spending with the 5% category choices.
Reddit · r/CreditCards · 134 days ago
They call it the best cash back card they have added to their setup, mainly for 5% on utilities. They expect it to be devalued eventually and caution that card fees on some utility bills can offset it.
Reddit · r/CreditCards · 134 days ago
They had a bad experience because their gas company did not count as a utility, so it earned no bonus, and support would not fix it after they opened a ticket.
Reddit · r/CapitalOne · 134 days ago
They have held two Quicksilver cards for a while and use them regularly, one of them upgraded from a Platinum. Credit line increases came early on but stopped once their usage dropped.
Reddit · r/CapitalOne · 134 days ago
They applied for a Savor, were approved, then denied because Capital One could not verify their identity, possibly due to a past name change, so they took a Chase card instead.
Reddit · r/CreditCards · 135 days ago
They product changed a Double Cash to a Custom Cash in early June, a couple of months after approval, but a later request to convert a Strata was denied. They found the conversion path closing quickly.
Reddit · r/personalfinance · 135 days ago
They got their Quicksilver as a first card and paid in full each month, but one failed autopay led Capital One to close the account, and calls to support kept going in circles.
Reddit · r/CreditCards · 135 days ago
They use their Capital One Savor as their daily driver and say they have never had to deal with fraud alerts from Capital One, unlike occasional ones from Chase.
Reddit · r/CreditCards · 136 days ago
Uses it for 5% on internet and utilities, but purchases show 5% while pending and the reward amount and percentage drop to 1% once posted, leaving them unsure it is working properly.
Reddit · r/CreditCards · 136 days ago
They like the Autograph because their state is a JetBlue hub, which makes the card's JetBlue transfer partner work out perfectly for their travel needs and redemptions.
Reddit · r/CreditCards · 136 days ago
They were glad to have picked up the card in late June, before Citi stopped letting people convert to it, and accepted that such a strong offer was always likely to end.
Reddit · r/CapitalOne · 136 days ago
They received an unexpected credit line increase on their Savor and then an offer to merge their new Quicksilver into it, which they accepted, surprised that merging was still available.
Reddit · r/CreditCards · 137 days ago
They planned a multi-card Custom Cash setup for dining and groceries, but Citi rejected their Double Cash application and closed the Custom Cash, forcing a change to their Thank You card.
Reddit · r/CreditCards · 137 days ago
They were rejected when applying for the Citi Double Cash while trying to build a multi-card Citi rewards plan, after which Citi closed their Custom Cash.
Reddit · r/ChaseSapphire · 137 days ago
They used a Quicksilver as their household main card for a long time before switching to a Chase card when Capital One moved the card to the Discover network.
Reddit · r/CreditCards · 138 days ago
They opened the Cash+ for 5% on utilities and streaming, but their water bill showed only 1% while Xfinity earned 5%; support on the phone gave unclear answers about how categories are assigned.
Reddit · r/CreditCards · 138 days ago
They use the Cash+ for utilities; the app showed 1% on water and electricity, but after the statement posted their rewards balance reflected the correct 5%.
Reddit · r/CreditCards · 138 days ago
They have held the Cash+ for about two and a half years; the app often shows a 1% earn rate on utilities and streaming, but the rewards actually credited are correct.
Reddit · r/CreditCards · 139 days ago
They tried to convert two Double Cash cards held since the early 2000s into a Custom Cash and were declined by both phone and chat with a supervisor, being told the accounts were not eligible.
Reddit · r/CreditCards · 141 days ago
They tried to product change into a Custom Cash in late June and the Citi rep said the card had been discontinued, so the conversion was refused.
Reddit · r/CreditCards · 141 days ago
Is very happy with the Fidelity Rewards card and notes Fidelity extended more credit than Citi.
Reddit · r/CapitalOne · 143 days ago
They lost their job, ran up their Quicksilver and had the limit lowered by Capital One, and after paying it off were denied an increase because they had stopped using the card.
Reddit · r/CreditCards · 143 days ago
Has had the Fidelity card for more than 15 years and calls it a no-brainer for Fidelity customers.
Reddit · r/CapitalOne · 143 days ago
Travel-offer cash back never posted; after calling on day 92 support credited the $150 directly.
Reddit · r/CreditCards · 144 days ago
They converted their Shopper card to the Cash+ and use it for utilities and internet, earning 5% back on those with no annual fee.
Reddit · r/CreditCards · 144 days ago
Calls the Fidelity card solid for a 2 percent catch-all: nothing fancy, it just works.
Reddit · r/CreditCards · 145 days ago
They tried to convert a young Double Cash to a Custom Cash by chat and were told Citi no longer offers the card to new holders or converters, though other users reported success with different agents.
Reddit · r/CreditCards · 145 days ago
Uses the card as their daily card and loves it.
Reddit · r/CreditCards · 145 days ago
Calls it a mediocre card by a horrible issuer.
Reddit · r/CreditCards · 145 days ago
Says the card declined routine weekly charges and needed calls to unlock, though it remains their main 2 percent card.
Reddit · r/CreditCards · 145 days ago
Calls it a good baseline catch-all card and one of the best out there.
Reddit · r/CreditCards · 145 days ago
Has had no issues with the card and finds it easy to live with, wanting only purchase notifications.
Reddit · r/CreditCards · 145 days ago
Had one denied payment that was not Fidelity's fault and found the support experience good.
Reddit · r/CreditCards · 145 days ago
Has called support a handful of times and says they have always been great.
Reddit · r/CreditCards · 145 days ago
Had the Fidelity card and a US Bank card and says both accounts were closed at once.
Reddit · r/CreditCards · 145 days ago
Calls it a great card with 2 percent baseline, no annual fee or foreign fees and a TSA or Global Entry rebate.
Reddit · r/CreditCards · 145 days ago
Calls it the best catch-all card to have and loves it.
Reddit · r/CreditCards · 145 days ago
Recently applied and loves auto-depositing the 2 percent cash back into Fidelity accounts, plus the TSA credit.
Reddit · r/CreditCards · 145 days ago
Likes the card but says the app experience is not the best.
Reddit · r/CreditCards · 145 days ago
Loves the card, which was easy to adopt because they already used Fidelity.
Reddit · r/CreditCards · 145 days ago
Likes the simple 2 percent card with cash back sent to the CMA monthly but wishes the app sent push notifications instead of texts.
Reddit · r/CreditCards · 145 days ago
Had a fraudulent use once, cancelled the card, disputed the charge and got a new card extremely quickly.
Reddit · r/CapitalOne · 146 days ago
They use the card regularly and usually pay it in full each week. Occasionally carrying a balance past the statement date has led Capital One to raise their limit after a couple of times.
Reddit · r/CreditCards · 146 days ago
They signed up online for the Quicksilver expecting a 15 month interest free offer, but the first statement showed interest and support said the promo was not on the account, with no refund offered.
Reddit · r/CreditCards · 146 days ago
Took seven dispute attempts to get a partial refund of fraud.
Reddit · r/CreditCards · 147 days ago
They were first denied a product change from a Double Cash to a Custom Cash through chat, but asked to escalate to a higher-level agent who completed it without question, all over chat.
Reddit · r/CreditCards · 147 days ago
They product changed a Double Cash into a Custom Cash a couple of days after Citi announced the card was closing to new applications, getting in just in time.
Reddit · r/CreditCards · 147 days ago
They already hold one and use it for entertainment, with spill-over for dining when their other category cards are capped. They are weighing converting another Citi card into a second one.
Reddit · r/CreditCards · 147 days ago
They had an easy product change to the card, noting it even updated automatically in their iPhone wallet. They considered opening another Double Cash just to convert it into another Custom Cash.
Reddit · r/CreditCards · 147 days ago
They product changed from a Double Cash after getting a better catch-all card, seeing the Custom Cash as useful for a category their debit card does not cover. They would not mind much if it is nerfed.
Reddit · r/CreditCards · 147 days ago
Confusing in-branch application with conflicting SUB eligibility answers.
Reddit · r/CreditCards · 149 days ago
Recently got the Quicksilver as a new everyday card to chase the sign-up spending bonus, but customer support offered no help getting a virtual card for their spouse as an account manager until the physical cards arrive.
Reddit · r/fidelityinvestments · 149 days ago
Uses the Fidelity card with 2 percent back going directly into the CMA and has greatly increased holdings.
Reddit · r/CreditCards · 150 days ago
They moved a Double Cash to a Custom Cash by web chat in about three minutes, with a large ThankYou points balance carrying over to the new card.
Reddit · r/CreditCards · 150 days ago
They product-changed a Citi Double Cash into a Custom Cash through online chat for both themselves and their partner, though they lost one half of the Double Cash rewards by not paying the balance first.
Reddit · r/CreditCards · 150 days ago
They converted a Citi Double Cash into a Custom Cash by product change after reading the thread, and the whole process took only about five minutes, which they were glad of.
Reddit · r/CreditCards · 150 days ago
They successfully product-changed their Citi Double Cash to a Custom Cash through the chat bot, as part of building a Citi trifecta, after waiting until the Double Cash welcome bonus was finished.
Reddit · r/CapitalOne · 150 days ago
They signed up for the Quicksilver and were told twice by support they would get the bonus, then later told they would not because the opening disclosure listed none, so they filed complaints.
Reddit · r/amex · 150 days ago
Prefers the Preferred card for its groceries, gas and rideshare rates and says it is their favorite card.
Reddit · r/CreditCards · 151 days ago
Says the card is solid with real 2 percent and no foreign fee when things go well, but expects Elan's customer service to be poor when anything goes wrong.
Reddit · r/CreditCards · 151 days ago
Has had the card about a year with absolutely zero issues, 2 percent back going into the CMA, no foreign fee and no annual fee.
Reddit · r/CreditCards · 151 days ago
Moved to another card as daily catch-all because Fidelity does not connect with Rocket Money or Plaid apps, and found the Fidelity-Elan integration janky but improved.
Reddit · r/CapitalOne · 152 days ago
They were recently moved up from a Capital One Platinum card to the Quicksilver through a product change, a step up in rewards without needing to apply for a brand new account.
Reddit · r/CreditCards · 152 days ago
Gets a lot of value from the Preferred card and plans to keep it rather than keep playing the upgrade and downgrade game.
Reddit · r/CapitalOne · 153 days ago
They got a Savor last month and it came as a Mastercard, which they like for having no foreign transaction fees while traveling, but they worry Capital One could move it to Discover.
Reddit · r/CreditCards · 153 days ago
Finds it a great no-fee card with simple consistent earn on gas and groceries and a good first card for building spending habits.
Reddit · r/CreditCards · 154 days ago
They use their Custom Cash for the grocery category as part of a multi-card setup alongside a Verizon Visa, PayPal debit and Active Cash, and say they would simplify to just two cards if needed.
Reddit · r/CreditCards · 154 days ago
They used their Quicksilver heavily for a couple of years but stopped as their habits changed, since they were not catching the larger cash back bonuses. It is their oldest card, so they weigh keeping it open.
Reddit · r/CapitalOne · 154 days ago
They had a branded card and a ten-year-old secured card both automatically converted to Quicksilver, leaving them with three. They could not merge them, and the credit line transfer tool would not let them go below a set minimum.
Reddit · r/CreditCards · 155 days ago
They confirmed a successful product change from a Double Cash to a Custom Cash via chat, thanking the poster for the reminder while the option was still open.
Reddit · r/CreditCards · 155 days ago
They product changed a few months old Citi Strata into a Custom Cash and now hold two, hoping existing Custom Cash holders are grandfathered for a while.
Reddit · r/CreditCards · 155 days ago
Runs three copies, one dedicated to gas and two to restaurants, and says it is nice to have 5% back in both everyday categories.
Reddit · r/CreditCards · 156 days ago
They already had two Custom Cash cards, opened a Double Cash, and after about three months gambled on converting it after hearing about the nerf. It worked, giving them another one.
Reddit · r/CreditCards · 156 days ago
They requested a product change through chat, were shown a list including Custom Cash, and it was done in under ten minutes, with no prior product change on a two-year-old account.
Reddit · r/CreditCards · 156 days ago
They worried a recent product change would block another, but chat approved moving their card into a Custom Cash without hesitation. They were also told no retroactive rewards are paid on a conversion.
Reddit · r/CreditCards · 157 days ago
They called the number on the back of their Double Cash and successfully product changed to a Custom Cash in one short call, after the card had closed to new applications.
Reddit · r/CreditCards · 158 days ago
They hold a Custom Cash and would fall back on the Costco Visa for gas if Citi ever fully shut it down, having used the Costco card for fuel before getting the Custom Cash.
Reddit · r/CreditCards · 158 days ago
They opened the card for online shopping but switched it to gas, where promotions add extra earnings on top of the first-year bonus rate, though only one chosen station can be used at a time.
Reddit · r/CreditCards · 158 days ago
They converted a rarely used Double Cash into a Custom Cash through Citi chat in one session, finishing the product change easily.
Reddit · r/CreditCards · 159 days ago
Rarely uses it because Goldman Sachs is terrible to deal with.
Reddit · r/CreditCards · 160 days ago
They have used the Cash+ for years redeeming for cash, but are now told to redeem in fixed increments, leaving a small balance stuck in the account.
Reddit · r/CreditCards · 160 days ago
They had a Double Cash opened only months earlier converted to a Custom Cash through the online chat window in early June, adding a data point that product changes still worked after new applications closed.
Reddit · r/CapitalOne · 160 days ago
They called Capital One to move their no-benefit Platinum card to Quicksilver Rewards and got the product change approved in under ten minutes, wanting a card with some actual rewards.
Reddit · r/CreditCards · 161 days ago
They hold the regular Savor alongside a Discover card as a non-student and recommend getting both cards if they fit the use case, with no reason not to hold both.
Reddit · r/CreditCards · 162 days ago
They were approved for the Cash+ with no prior US Bank relationship, even with many recently opened accounts, after a pre-approval check. They were surprised given the bank's strict reputation.
Reddit · r/CreditCards · 162 days ago
They were given a low starting limit on the Cash+, called the same day and had it raised right away, even after opening five cards in two months. They found US Bank did not seem to mind recent openings.
Reddit · r/CreditCards · 162 days ago
They report that automatic credit limit increases on their Cash+ have been pretty good over time, and they keep declining the bank's repeated offers to upgrade them to the Smartly card.
Reddit · r/CreditCards · 162 days ago
They hit the same whole-dollar redemption limit on the Cash+ when sending cash back to checking, though a statement credit to the penny worked, and found the Smartly card handled it differently.
Reddit · r/CreditCards · 162 days ago
Had a very hard time getting a small fraudulent charge reversed.
Reddit · r/CreditCards · 162 days ago
Apple support refunded a stolen-card charge; best customer service experience.
Reddit · r/CreditCards · 163 days ago
They hold two Cash+ cards and report that, after years of monthly cash back redemptions, the app and website now block redeeming cents, forcing a call to cardmember services.
Reddit · r/CreditCards · 163 days ago
They redeemed their Cash+ rewards at full value including cents without trouble, suggesting the redemption restrictions may be tested on only some accounts.
Reddit · r/CreditCards · 163 days ago
They redeemed Cash+ cash back the previous month with cents still working and saw no sign of the whole-dollar restriction, noting Amazon redemption as a workaround.
Reddit · r/CreditCards · 163 days ago
They product changed an old Citi Dividend card that they rarely benefited from into a Custom Cash on the day they tried, even after the card was reported as discontinued.
Reddit · r/CreditCards · 163 days ago
They use the Wells Fargo Active Cash and get far more value from its flat cash back than from their Venture, and say they really love the other cards in their wallet too.
Reddit · r/CapitalOne · 163 days ago
They have had a Savor for several years and received only minimal credit line increases, so it is now a sock drawer card kept alive with minimum purchases while other issuers offer more.
Reddit · r/CreditCards · 163 days ago
Reporting fraud led to a new card number that hindered finding the charges.
Reddit · r/CreditCards · 163 days ago
Went to a branch and got the in-branch offer.
Reddit · r/CreditCards · 164 days ago
Found that the warehouse club wallet paired with the card coded a gas purchase as online and earned the full top rate.
Reddit · r/CreditCards · 164 days ago
Product change from the Double Cash took two minutes and worked perfectly.
Reddit · r/CreditCards · 165 days ago
Their Custom Cash application first showed a decision by mail in 7-10 days, which turned out to be address verification; after entering the letter's reference number they were approved within minutes.
Reddit · r/CreditCards · 166 days ago
Before the physical card shipped, the app showed a message to call right away because card use may be limited, but the phone line asked for a card number they did not have yet.
Reddit · r/CreditCards · 166 days ago
They converted a roughly six-month-old Diamond Preferred into a Custom Cash, saw it appear in the app only after restarting it, and then learned the category is chosen automatically by top spend.
Reddit · r/CreditCards · 166 days ago
They converted a Strata card that was only about a month and a half old into a Custom Cash, adding a data point that no waiting year applied to no-annual-fee Strata cards.
Reddit · r/CreditCards · 166 days ago
They opened a no-fee Citi Strata and only two weeks later were able to product change it into a Custom Cash that same morning, another sign that conversions were quick for no-annual-fee cards.
Reddit · r/CreditCards · 166 days ago
They use their Savor card in Europe all the time despite the Discover network being less accepted there. They worry it may become a liability as the card moves to Discover and are planning other cards.
Reddit · r/CreditCards · 167 days ago
They converted a Double Cash card to a Custom Cash via live chat and plan to run one Custom Cash for gas and another for groceries, having not known multiple copies were allowed.
Reddit · r/CreditCards · 167 days ago
They product changed a two-month-old Double Cash into a Custom Cash through Citi Live Chat, found the representative very helpful, and shared the data point after the card was discontinued to new applicants.
Reddit · r/CreditCards · 168 days ago
They were denied when applying for the Custom Cash, but then got one by product changing a long-unused Double Cash through online chat after the card had closed to new applications.
Reddit · r/CreditCards · 168 days ago
They product changed both a Citi Strata and a Double Cash into Custom Cash cards through chat with a live agent, which was a bit slow but finished in about twenty minutes.
Reddit · r/CreditCards · 168 days ago
They converted their Citi Strata into a Custom Cash card through the web chat after hearing it was still possible, and thanked the poster for the tip. A quick, simple product change.
Reddit · r/CreditCards · 168 days ago
They converted their card to a Custom Cash less than an hour before posting in late May 2026, confirming the product change was still available through Citi after applications had closed.
Reddit · r/CreditCards · 168 days ago
Long-time Citi Simplicity holder who applied just before the card closed and was approved after a status call; plans to max the monthly category spend and pay it off each month.
Reddit · r/CapitalOne · 168 days ago
They have had the Quicksilver for about a month, use it mostly for food and gas, and have not seen the sign-up bonus after meeting the spending requirement, so they are unsure how it posts.
Reddit · r/CreditCards · 169 days ago
They applied for the Custom Cash the week before the closure news and were accepted, calling it good timing since new applications closed shortly afterward and the card was reported as discontinued.
Reddit · r/CreditCards · 169 days ago
Picked up the card the day before it closed as a precaution, then realized Costco gas does not count for the gas category, so they will simply factor the 5% into regular gas fill-ups.
Reddit · r/CreditCards · 169 days ago
Had held off applying while using another Citi card with strong spend offers, then applied and was approved right after reports of discontinuation, joining in before an expected nerf.
Reddit · r/CreditCards · 169 days ago
Applied for the card right as it was closing to new applicants and was denied, a disappointing outcome given the rush to get in before applications ended.
Reddit · r/CreditCards · 169 days ago
Dropped both the card and the Double Cash earlier in the year in favor of other cards, saying competing no-fee and low-fee cards offer better benefits than Citi does.
Reddit · r/CreditCards · 169 days ago
Owns two, one converted from a Double Cash and the other opened new with the sign-up bonus earned; very attached and plans to keep them as long as Citi allows.
Reddit · r/CreditCards · 169 days ago
Valued it as a flexible wild-card slot in a cash-back lineup, covering a missing gas or dining category or one-off store purchases, and says they will miss it if it goes away.
Reddit · r/CreditCards · 169 days ago
Product-changed a Strata to the card just before the cutoff; the portal image updated but no confirmation email or new card number had arrived, raising worry the change could be clawed back.
Reddit · r/CreditCards · 170 days ago
They confirmed that their points carried over after product changing to the Custom Cash and that the card number stayed the same, answering a common worry about conversions.
Reddit · r/CreditCards · 170 days ago
They product-changed a new Double Cash to the Custom Cash through the Citi app chat about a month after opening it, after paying off the balance and getting one statement.
Reddit · r/CreditCards · 170 days ago
They built Citi into their secondary points ecosystem around two Custom Cash cards and a Strata Elite, valuing the American Airlines transfers, and would be disappointed if the Custom Cash cards are forced away.
Reddit · r/CreditCards · 170 days ago
They reported being approved for the Custom Cash on May 28, 2026, adding a data point against others in the thread who said they were denied that same week.
Reddit · r/CreditCards · 170 days ago
Applied for the Custom Cash and was denied two weeks later, but called the reconsideration line right away and was approved after a second review, hoping approved holders keep the card long term.
Reddit · r/CreditCards · 170 days ago
Product-changed to a Custom Cash through the Citi app chat in about fifteen minutes, though the rep offered an odd list of cards and product codes, and they were still waiting for the new card to arrive.
Reddit · r/CreditCards · 170 days ago
Has used the card for years and is mainly worried Citi will eventually sunset it and convert it into a product they would not use; the card itself is not criticized.
Reddit · r/CreditCards · 170 days ago
They hold two Custom Cash cards and wish they had gotten a third, valuing a 5% card with a flexible category that adjusts to their monthly spending.
Reddit · r/CreditCards · 170 days ago
Application was denied under Citi's two-in-sixty-days rule, though the rep said to call back at exactly the 60-day mark to have it processed; hoped to get in before the card closed.
Reddit · r/CreditCards · 170 days ago
Household experience: an instant approval for a new card plus a chat product change from an unused Double Cash, added on top of an existing card from earlier, ending with several in the household.
Reddit · r/CreditCards · 170 days ago
Holds two copies and stays with Citi only for them; dislikes the issuer, has faced lengthy fraud checks and phone calls on Citi cards, and would cancel everything if forced into a product change.
Reddit · r/CapitalOne · 170 days ago
They were approved for the Quicksilver but it never appeared in their existing Capital One account, and support only blamed a holiday delay without explaining why the card was still missing days later.
Reddit · r/CapitalOne · 170 days ago
They accidentally made a duplicate account while applying for the Quicksilver, and Capital One support walked them through merging the accounts so the card finally showed up.
Reddit · r/CapitalOne · 170 days ago
They have had the Quicksilver for years and always pay on time or more, yet an hour on the phone only got a small limit raise, so they wonder whether to leave for another card.
Reddit · r/CreditCards · 171 days ago
They did their product change to the Custom Cash by phone late at night, waiting about an hour on hold; the representative was polite but the system was glitching during the call.
Reddit · r/CreditCards · 171 days ago
They converted their Citi Premier to the Custom Cash through the Citi chat in about five minutes, describing the product change as quick.
Reddit · r/CreditCards · 171 days ago
They product-changed a Strata to the Custom Cash via chat and called it the most simple product change ever, taking only minutes including getting past the chat bot to a live agent.
Reddit · r/CreditCards · 171 days ago
They converted a Strata into a Custom Cash by product change after being denied a new Citi application because of recent account openings.
Reddit · r/CreditCards · 171 days ago
They applied for a Custom Cash shortly after getting a Double Cash and a Prime Visa, expecting a denial, but were pleasantly surprised to be approved for the card.
Reddit · r/CreditCards · 171 days ago
They successfully converted a Strata into a Custom Cash by product change even though the Strata had been open only about three months, reporting that it worked without difficulty.
Reddit · r/CreditCards · 171 days ago
They ran two of these cards for 5% on groceries, dining and gas, pairing them with Freedom Flex and Discover for a third category. They note it cannot be used at Costco, so gas there goes on another card.
Reddit · r/CreditCards · 171 days ago
They confirmed a successful product change from a Double Cash to a Custom Cash on the morning of the discontinuation news, a quick conversion with no problems reported.
Reddit · r/CreditCards · 171 days ago
They did a product change from a Double Cash through chat, where an agent asked what they wanted and processed it right away, giving them a second Custom Cash. The process was smooth and quick.
Reddit · r/CreditCards · 171 days ago
They product changed a Double Cash and a Strata into Custom Cash cards in quick succession, ending with three, and said the closure news added urgency to finally doing it.
Reddit · r/CreditCards · 171 days ago
They were approved for the Custom Cash as their first Citi card in late May 2026, even though they had recently applied for a Capital One Savor and had not opened a card in years.
Reddit · r/CreditCards · 171 days ago
They phoned Citi to downgrade a points card to a Custom Cash and were annoyed that their ThankYou points seemed to vanish during the transition.
Reddit · r/CreditCards · 171 days ago
They product-changed their Citi Double Cash into a second Custom Cash card the night before posting, showing the route was still open when the card was about to be discontinued to new applicants.
Reddit · r/CreditCards · 171 days ago
They applied for the Citi Custom Cash just before the closure to new applicants and were approved straight away, even though their only other Citi account is a Costco card.
Reddit · r/CreditCards · 171 days ago
They applied for the Citi Custom Cash the night before the cutoff and were approved, while still waiting to see how the card would be handled after Citi stopped taking new applications.
Reddit · r/CreditCards · 171 days ago
They run two Custom Cash cards and get 5% back on their two biggest spending areas, gas and groceries, and like how simple the setup is with just two cards.
Reddit · r/CreditCards · 171 days ago
They use Custom Cash cards as dedicated cards for groceries, gas and dining because their spend stays under the cap, and prefer that to juggling rotating-category cards.
Reddit · r/CreditCards · 171 days ago
They put their season ticket payments on the Custom Cash through an interest-free payment plan, which works out to roughly 5% off the tickets.
Reddit · r/CreditCards · 171 days ago
They call it one of the best cards they have: no annual fee, no category to pick each month, a reasonable cap and the option to hold multiples.
Reddit · r/CreditCards · 171 days ago
They and their household use two Custom Cash cards, one for dining and one for groceries, and say the arrangement works out well for them.
Reddit · r/CreditCards · 171 days ago
They designate one Custom Cash as their restaurant card and like not having to track rotating quarterly categories the way they do with other cashback cards.
Reddit · r/CreditCards · 171 days ago
They use the Custom Cash for pharmacy spending, where no other card pays 5%, while their other major spending categories sit on cards with higher or no caps.
Reddit · r/CreditCards · 171 days ago
They use the Custom Cash for gas and praise how liberally gas stations are coded, getting 5% at any station, including supermarket pumps that other cards miss.
Reddit · r/CreditCards · 171 days ago
They like their Custom Cash cards, dedicating one to groceries and using the other for whatever category they spend most on in a given statement.
Reddit · r/CreditCards · 171 days ago
They opened the Custom Cash at launch for groceries, later moved to a Double Cash when grocery spend outgrew the cap, and say it is worth it mainly if you can product change.
Reddit · r/CreditCards · 171 days ago
They mostly left their Custom Cash in a drawer except for Home Depot trips, finding the monthly cap limiting and preferring other cashback cards for groceries and other categories.
Reddit · r/CreditCards · 171 days ago
They have kept two Custom Cash cards in a drawer for a long time, finding 5% fine but preferring their other cards, and see the card as mediocre without a premium Citi card.
Reddit · r/CreditCards · 171 days ago
They use the Custom Cash as a support card, valuing 5% cash back as high for the category but noting the low monthly spending cap as the main drawback.
Reddit · r/CreditCards · 171 days ago
They applied for the Custom Cash shortly before it was discontinued and were denied, which they attribute to many recent credit pulls and a newly opened airline card.
Reddit · r/CreditCards · 171 days ago
Owner of the Citi Custom Cash as their first and only Citi card, and they have been happy with it; they would have closed their Citi account and left if existing users had been cut off.
Reddit · r/CreditCards · 171 days ago
Holds a single Custom Cash and uses it for gas, saying they are not too upset about the discontinuation as long as that one stays; they call it the best gas card for people who do not drive heavily.
Reddit · r/CreditCards · 171 days ago
Runs several Custom Cash cards, having recently product-changed to their third, and calls it one of the best cards available for individual gas spending for people who do not drive much.
Reddit · r/CreditCards · 171 days ago
Says inflation has eroded the value of the card: they once put all their groceries on it without thinking about the monthly cap, but now need two Custom Cash cards and careful juggling to stay under it.
Reddit · r/CreditCards · 171 days ago
Used the Custom Cash as a grocery card and found it good but limited; they regularly went over the monthly five percent cap, so they consider it far from a game changer compared with the Double Cash.
Reddit · r/CreditCards · 171 days ago
Says the card works well when a spend category fits under the cap, but family grocery spending or high cost of living areas exhaust it quickly, and it does not cover their large categories like insurance.
Reddit · r/CreditCards · 171 days ago
Product-changed a Citi Strata into a Custom Cash so their ThankYou points redeem for cash at one cent each instead of half a cent, and they would be annoyed if Citi changed it back again.
Reddit · r/CreditCards · 171 days ago
Keeps a single Custom Cash and appreciates having a five percent dining card, noting such cards are hard to come by, even after hearing it is being closed to new applicants.
Reddit · r/CreditCards · 171 days ago
Holds three Custom Cash cards, assigned to groceries, gas and hardware stores or restaurants; they converted an old Rewards+ card a couple of years ago, and their spouse also has one.
Reddit · r/CreditCards · 171 days ago
Has used their Custom Cash for about four years, mainly on gas and dining, and is relieved to now hold two of them as the card closes to new applicants.
Reddit · r/CreditCards · 171 days ago
Holds two Custom Cash cards and calls them the perfect dining and grocery cards for their spending, glad to have both after the discontinuation news broke.
Reddit · r/CreditCards · 171 days ago
Reports that Citi automatically closed their Custom Cash even though guidance said current customers would see no changes, and warns other holders to watch out for the same thing.
Reddit · r/CreditCards · 171 days ago
Says the Custom Cash is a great card to pair with their Discover it cashback, Chase Freedom Flex and a PayPal debit card, and is glad existing holders get to keep it.
Reddit · r/CreditCards · 171 days ago
Applied for the Custom Cash with about two years of credit history and was declined for not enough credit history, finding it odd since others with less history were approved.
Reddit · r/CreditCards · 171 days ago
Applied for the Custom Cash despite not being pre-qualified and with a few recent applications, and was surprisingly approved just as the card closed to new applicants.
Reddit · r/CreditCards · 171 days ago
Applied for the Custom Cash during the last-chance window and was denied, which they attribute to having opened two other new cards within the previous two months.
Reddit · r/CreditCards · 171 days ago
Was denied again for the Custom Cash after applying about three times over three years, so they planned to product-change their Double Cash into one before the deadline instead.
Reddit · r/CreditCards · 171 days ago
Product-changed their recently opened Double Cash into a Custom Cash through the Citi app chat in about five minutes, with no trouble despite having had the Double Cash only a few months.
Reddit · r/CreditCards · 171 days ago
Applied online for the Custom Cash and was denied, which worried them since they had never been denied for a credit card before; they then tried chat to product-change their Citi Strata into one.
Reddit · r/CreditCards · 171 days ago
Had wanted the Custom Cash for a while and was denied a couple of months earlier, but applied again during the final window and was approved, hoping to add a second one later by product change.
Reddit · r/CreditCards · 171 days ago
Applied for their first Citi card after hearing the discontinuation news and received a Custom Cash approval, with Equifax pulled for the application.
Reddit · r/CreditCards · 171 days ago
Calls the Citi Double Cash a workhorse that anyone who values money should have, preferring it over the Custom Cash whose monthly cap they always exceeded.
Reddit · r/CreditCards · 171 days ago
Prefers the Citi Double Cash as their everyday card because they dislike the spending limits on the Custom Cash, and simply uses the Double Cash instead.
Reddit · r/CreditCards · 171 days ago
They tried to apply for the Custom Cash through the Citi app, which crashed on the first attempt, and were instantly denied on the second, possibly because they opened another Citi line recently.
Reddit · r/CreditCards · 171 days ago
Their Custom Cash application first showed a denial, but Citi texted the next morning to confirm the application and then approved it, with an approval email and card on the way.
Reddit · r/CreditCards · 171 days ago
They product changed an unused Citi Dividend World card to a Custom Cash through Citi chat in about an hour, and plan to use it as a 5 percent card for home improvement, gas and a second grocery card.
Reddit · r/CreditCards · 171 days ago
Citi canceled their original Custom Cash card, but within the last half year they product changed a rarely used Double Cash into a new Custom Cash.
Reddit · r/CreditCards · 171 days ago
They applied for a Custom Cash after the discontinuation news and were approved; they had been building a Citi setup starting with the Strata and hoped to keep converting other Citi cards.
Reddit · r/CreditCards · 171 days ago
They applied for the Custom Cash on the spot and were approved immediately, having hoped to product change a Barclays card instead before the offer disappeared.
Reddit · r/CreditCards · 171 days ago
They converted their Double Cash to a Custom Cash by phone and the agent read the full terms, but the call center was swamped and the wait on the line was about two hours.
Reddit · r/CreditCards · 171 days ago
They went from no Custom Cash cards to two in a single day after the discontinuation news, viewing it as a push to upgrade their card setup and hoping existing cards stay grandfathered.
Reddit · r/CreditCards · 171 days ago
They converted a Double Cash into a Custom Cash and then a Strata into another one, using the Citi chat route they recommend to others for product changes.
Reddit · r/CreditCards · 171 days ago
They product-changed a card to the Custom Cash after reading the thread and found the whole conversion quick, about five minutes from start to finish.
Reddit · r/CreditCards · 171 days ago
They converted a Double Cash to a Custom Cash by chat after a representative failed to connect the night before, spending about twenty minutes while the chat repeatedly threatened to time out.
Reddit · r/CreditCards · 171 days ago
They added the Capital One Savor after about two and a half years with a Discover card, wanting steady 3% back on groceries and dining, their two biggest spending categories, and say they love the card.
Reddit · r/CreditCards · 171 days ago
Holds two of the cards for dining and online shopping and is disappointed about the upcoming reduction in the relationship bonus.
Reddit · r/fidelityinvestments · 171 days ago
Uses the Fidelity credit card as main card and loves cash rewards going directly into the brokerage.
Reddit · r/fidelityinvestments · 171 days ago
Uses the card's true joint account option and rewards auto-transfer to the CMA without issues.
Reddit · r/CreditCards · 172 days ago
They use their Custom Cash card only at restaurants and do not even reach the monthly cap, pairing it with a Double Cash for everything else and finding the setup simple and worthwhile.
Reddit · r/CreditCards · 172 days ago
They use their Custom Cash for restaurant spending only and move to another card whenever they get close to the monthly cap, which keeps the 5 percent category working for them.
Reddit · r/CreditCards · 172 days ago
They and their partner each hold a Custom Cash and play it every month, one on groceries and one on dining, staying exactly at the cap so the 5 percent rate is fully used.
Reddit · r/CreditCards · 172 days ago
They put all their Custom Cash spending on dining because they eat out every day, and they worry about losing the card since they see few good alternatives for restaurant rewards.
Reddit · r/CreditCards · 172 days ago
They hold about five Custom Cash cards and use each one for a different 5X category such as grocery, gas, dining, tolls and hardware stores whenever they are not working on a sign-up bonus.
Reddit · r/CreditCards · 172 days ago
They call the Custom Cash their most used card and say they are disappointed at the news that the card is being discontinued, since it carries most of their everyday spending.
Reddit · r/CreditCards · 172 days ago
They applied for and got a Custom Cash while the Citi website still offered it, and later product changed a Double Cash as part of a multi-card Citi setup.
Reddit · r/CreditCards · 172 days ago
They opened a Custom Cash the previous month and then product changed another Citi card into a second one, treating the card as a worthwhile addition to their setup.
Reddit · r/CreditCards · 172 days ago
They had been denied for a new Custom Cash but successfully product changed their no annual fee Citi Strata into one, while a newer Strata Premier was too recent to convert.
Reddit · r/CreditCards · 172 days ago
They held the Citi Double Cash as their first and only credit card for about five years and had no sense of problems with Citi until finding the subreddit.
Reddit · r/CapitalOne · 172 days ago
They request limit increases every month or so and always pay the statement balance, and their Quicksilver and Savor limits both rose substantially on the same day.
Reddit · r/CreditCards · 172 days ago
After applying for the Everyday card, Amex demanded a signed letter from their bank to verify identity, the bank would not provide one, and the online photo verification kept failing, so the application was about to be closed.
Reddit · r/CreditCards · 173 days ago
Got the sign-up bonus on a Custom Cash application, applied for a Double Cash 30 days later and also got its bonus, then product-changed that card to a second Custom Cash after a year.
Reddit · r/CreditCards · 173 days ago
They hold two Custom Cash cards, the second opened through a Citi product change after a sign-up bonus, with a smaller limit than the first. They got a few small soft-pull limit increases spaced about six months apart.
Reddit · r/CreditCards · 173 days ago
They hold four Custom Cash cards among five Citi cards without banking at Citi, and say card usage matters more than a banking relationship for Citi. They plan to go deeper into Citi.
Reddit · r/CapitalOne · 173 days ago
They have held the Quicksilver for over twenty years and say Capital One has never given a meaningful credit line increase despite heavy use and on-time payments, which leaves them frustrated.
Reddit · r/CreditCards · 174 days ago
They have held a Custom Cash for over a year with light use and received a couple of limit increases, but find Citi conservative with limits. They plan to use it for the 5% category and pay in full each month.
Reddit · r/CreditCards · 174 days ago
They use the Fidelity Rewards Visa Signature as a no-annual-fee catch-all card, valuing the flat 2% back, the lack of foreign transaction fees, and the Global Entry or TSA credit.
Reddit · r/CreditCards · 175 days ago
They called Citi to convert a Double Cash and a Strata, both no annual fee, into two more Custom Cash cards, ending with three Custom Cash cards and a Strata Premier.
Reddit · r/CapitalOne · 175 days ago
They got a Quicksilver upgrade after rebuilding from a closed account, then had it restricted for suspicious activity. A call with ID verification lifted the restriction, and they like its simplicity.
Reddit · r/CapitalOne · 175 days ago
They have had their Visa Quicksilver since 2015 and are happy with Capital One, but are adding other cards as a precaution against a possible switch to Discover.
Reddit · r/CapitalOne · 175 days ago
They found their Quicksilver and Venture X suddenly restricted after a returned payment, losing a large miles balance. Support cited unusual activity and said reinstatement was unlikely.
Reddit · r/CreditCards · 176 days ago
They obtained their fifth Custom Cash by product change via Citi chat from a Double Cash held for over a year and had no trouble even with other active Custom Cash cards.
Reddit · r/CreditCards · 176 days ago
They own four Custom Cash cards, two of which were converted from Double Cash cards shortly after earning the sign-up bonus, without needing to wait a full year.
Reddit · r/CreditCards · 176 days ago
They pool ThankYou points across several Custom Cash cards; the online setup did not work for them, so they had to call in to link everything correctly.
Reddit · r/CreditCards · 176 days ago
They converted a Double Cash into a second Custom Cash through a product change and found it easy, with no pushback from Citi when they asked for the conversion.
Reddit · r/CreditCards · 176 days ago
They pooled ThankYou points across their Custom Cash cards and a ThankYou card by phone; support standardized their name details and merged everything in about five minutes.
Reddit · r/CreditCards · 176 days ago
They hold two Custom Cash cards and say they can never remember which card is being used for what category, a small inconvenience of running several.
Reddit · r/CreditCards · 176 days ago
They tried to product change a Citi Simplicity card into a Custom Cash and it did not work, since the Simplicity is a balance transfer card with no rewards structure.
Reddit · r/CapitalOne · 176 days ago
They requested a limit increase on their Quicksilver monthly for a year and were denied, then finally got a sizable raise. They also saw limit increases on their other Capital One and Discover cards.
Reddit · r/CapitalOne · 176 days ago
They were pre-approved for a Quicksilver but their full application was denied while rebuilding credit after collections, and they were then offered the secured version instead.
Reddit · r/CreditCards · 176 days ago
They were approved for SavorOne despite a low score and past debt problems, accept its annual fee, and plan to use it to pay off debt and build credit.
Reddit · r/CreditCards · 176 days ago
They were rejected when applying for the Quicksilver because Capital One said they had too many active cards, despite already holding a Venture X and a Savor, which they found surprising.
Reddit · r/CreditCards · 177 days ago
They have had their Quicksilver since 2015 and watched it move from Visa to the Discover network with new 3% gas and grocery cash back. They still find the flat 1.5% unexciting and want a second card.
Reddit · r/CapitalOne · 178 days ago
They had a Quicksilver with a very low starting limit and a denied increase request; after maxing out the card and paying in full for two billing cycles, the next request was approved.
Reddit · r/CapitalOne · 178 days ago
After a long hospital stay left their Quicksilver and Savor delinquent, they emailed Capital One executive support and got the late payments removed through a goodwill adjustment, with a caring rep.
Reddit · r/CapitalOne · 178 days ago
After a long hospital stay left their Savor and Quicksilver delinquent, they emailed Capital One executive support and got the late payments removed through a goodwill adjustment.
Reddit · r/CreditCards · 179 days ago
Finally approved for the Blue Cash Preferred after years of waiting, but with a very low starting limit despite good credit, so they plan staged credit line increases to hit the bonus spend.
Reddit · r/CapitalOne · 180 days ago
They have kept a Quicksilver for about two years and pay it in full monthly, but repeated credit line increase requests over six months were denied despite higher spending, citing too little use.
Reddit · r/CreditCards · 180 days ago
Closed the Double Cash after repeated account locks over Apple Pay and terrible customer service.
Reddit · r/CapitalOne · 181 days ago
They were approved for Quicksilver despite a weak credit profile and used it for six months while paying down debt, then looked to add a Savor. Their credit has improved since.
Reddit · r/CapitalOne · 181 days ago
They enjoy Savor for the cash back on groceries, restaurants and other purchases, saying the rewards add up quickly with regular spending.
Reddit · r/CreditCards · 182 days ago
After upgrading to the Preferred card, recalls being disappointed that some online purchases such as Steam games only earned 1% on the Everyday card.
Reddit · r/CreditCards · 182 days ago
Upgraded the Everyday card to the Preferred after a Robinhood card made the Everyday redundant.
Reddit · r/CreditCards · 182 days ago
Chose the Fidelity card over a higher-earning one to keep things simple and keep money at Fidelity.
Reddit · r/CapitalOne · 184 days ago
They upgraded two Platinum cards to Quicksilver by calling Capital One, since no offer showed online. They then asked for credit line increases and got small ones, but are grateful for the progress on rebuilding credit.
Reddit · r/CapitalOne · 185 days ago
They call the Quicksilver nice for everyday cash back and say they were pre-approved for it from their Capital One Platinum about a year ago, an easy upgrade path.
Reddit · r/CapitalOne · 185 days ago
They have had the Quicksilver for under a year as a first card and pay on time with low usage, yet their credit limit increases have been small and slow, leaving them confused.
Reddit · r/CreditCards · 185 days ago
They noticed their Quicksilver account number had changed and learned the card was moving to the Discover network with no notice or opt-out offered, and support said the change could not be cancelled or delayed.
Reddit · r/CapitalOne · 185 days ago
Converts cash back to Venture miles, effectively 3% from the Savor and 2% from the Venture X.
Reddit · r/CapitalOne · 186 days ago
They started their Quicksilver with a very low line but later received a large increase offer, far beyond anything their Savor ever got, which suggests the card is not stuck in a restrictive bucket.
Reddit · r/CapitalOne · 186 days ago
They say their Savor began with a low line and only ever receives small incremental increases every six months, which feels like being stuck in a restrictive bucket.
Reddit · r/CapitalOne · 186 days ago
They received their new Quicksilver on the Discover network but are still earning only the flat rate on everything rather than the advertised gas and grocery bonus.
Reddit · r/CapitalOne · 187 days ago
They had their Quicksilver for over 20 years and finally paid it off, but no longer have a use for it and are weighing whether to close it in favor of their Savor.
Reddit · r/CapitalOne · 187 days ago
They kept their Quicksilver for about 8 years without problems except that the account seemed bucketed on credit limit, and closed it after getting a Savor with little impact.
Reddit · r/CreditCards · 188 days ago
Applied recently and was offered a smaller bonus and a starting limit that was the lowest of any card held.
Reddit · r/CapitalOne · 189 days ago
They upgraded two Platinum cards to a Savor and a Quicksilver after one finally graduated, but feel stuck in a low tier. Increase requests gave only a small bump or were declined over a recent late payment.
Reddit · r/CreditCards · 190 days ago
They and their spouse each got a Citi Custom Cash for groceries and alternate between the two cards when one nears the monthly 5 percent cap, which suits their household spending.
Reddit · r/CreditCards · 190 days ago
They are an expat who chose the Quicksilver for its Mastercard network and lack of foreign transaction fees, use it mostly outside the US, and would drop it if forced onto the Discover network.
Reddit · r/CreditCards · 190 days ago
Got the FU last month with a 250 dollar bonus.
Reddit · r/CreditCards · 190 days ago
Gas 5 percent promo works at Costco pumps.
Reddit · r/CapitalOne · 191 days ago
Their Quicksilver graduated from a secured start and grew its limit over two years, but Capital One denied a further increase on it. A pre-approval check then led to a Venture X approval the same day.
Reddit · r/fidelityinvestments · 192 days ago
After over a year of on-time payments, a notice arrived raising the interest rate because of the credit report, even though the credit score kept rising.
Reddit · r/CreditCards · 193 days ago
They built up three Custom Cash cards, one from a targeted offer with a bonus and two by converting very old Citi cards, calling the chat-based product change process very easy.
Reddit · r/CreditCards · 193 days ago
They product changed to a Custom Cash by phone and found the call took under ten minutes, noting they had not realized it could also be done through chat.
Reddit · r/CapitalOne · 194 days ago
They started with a Platinum secured card, were upgraded to a Quicksilver after about six months, and later got a Savor offer. They pay in full monthly and say their score grew quickly.
Reddit · r/CreditCards · 195 days ago
They got their first card late in life, a Platinum that Capital One recently upgraded to the Quicksilver, and they are using it to build credit while waiting for a card with stronger rewards.
Reddit · r/CapitalOne · 195 days ago
Savor account was closed the same day the card arrived and support said nothing could be done.
Reddit · r/ChaseSapphire · 196 days ago
They have used the Active Cash 2% card for five years with no problems and good customer service on the few occasions they needed it, and use it for the bulk of their purchases.
Reddit · r/ChaseSapphire · 196 days ago
They hold the regular no annual fee Autograph and call it possibly the most generous no fee travel card around, noting its points reach the same transfer partners at the same ratios as the Journey.
Reddit · r/CreditCards · 197 days ago
They have used the Citi Custom Cash for dining for about six months and only a couple of local spots failed to code as restaurants, so the merchant-code worry has been minor in their experience.
Reddit · r/CreditCards · 197 days ago
They use the Citi Custom Cash for dining and say it works very well for them, since they only occasionally spend past the monthly 5 percent cap in that category.
Reddit · r/CreditCards · 197 days ago
They have held a Citi Custom Cash for about five years with no restaurant coding problems, now run two (dining and groceries), and send overflow spend past the monthly cap to a Savor card.
Reddit · r/CreditCards · 197 days ago
They describe the Citi Custom Cash as a perfect dining card they absolutely love, and keep it alongside backups such as an Amex Gold and a Chase trifecta.
Reddit · r/CreditCards · 197 days ago
They find the Citi Custom Cash works well as a dining card for their family of four, since they never reach the monthly cap and have had no merchant code problems.
Reddit · r/CreditCards · 197 days ago
Was declined for the Everyday card on income and asset grounds despite a clean credit history and is considering calling for reconsideration.
Reddit · r/CapitalOne · 198 days ago
They activated a new card and could not see it in the app or online account for days. Support told them syncing can take up to three days, so they were still waiting.
Reddit · r/CreditCards · 199 days ago
They use their Quicksilver abroad a lot but are replacing it with the Fidelity Visa after the move to the Discover network, citing the higher cash back rate as a nice perk.
Reddit · r/CreditCards · 200 days ago
They got a Discover it card a couple of years ago and often forgot to activate the rotating categories, which they found annoying. They considered the sign-up bonus decent.
Reddit · r/CreditCards · 200 days ago
They regularly use their Quicksilver while abroad, mostly in Europe, and value its travel benefits, but plan to replace it because of the move to the Discover network.
Reddit · r/CapitalOne · 201 days ago
They started with a Capital One Platinum, product changed it to a no-annual-fee Quicksilver, and saw the credit line grow quickly within a few months by using it and paying down before the statement.
Reddit · r/CapitalOne · 202 days ago
They have had the Savor for over a year and a half and plan to keep it open indefinitely as their oldest card, though they intend to eventually add another card for dining rewards.
Reddit · r/CreditCards · 203 days ago
Paid off the card because Fidelity splits payments above the minimum across balances, could not explain the calculation, and had a rude phone experience.
Reddit · r/fidelityinvestments · 204 days ago
No bad experiences so far, but worry about Elan customer service limits use to dependable payments such as homeowner's insurance, accountant, lawyer and electricity, avoiding small retail and restaurants.
Reddit · r/CapitalOne · 205 days ago
They boost their Quicksilver earnings by activating the shopping offers in the app, getting a high rate at gas stations all year and some offers even higher.
Reddit · r/CreditCards · 205 days ago
They keep their oldest card, a Quicksilver, for the lack of foreign transaction fees and its Mastercard World Elite benefits, but rarely use it and worry the Discover switch weakens both.
Reddit · r/CreditCards · 205 days ago
They find their Chase Freedom Unlimited unexciting, now only using it when there is a good offer or for drugstore purchases, since the bonus categories do not appeal to them.
Reddit · r/CreditCards · 206 days ago
Product-changed unit fails to code Panera as dining or Home Depot as home improvement, and an hour on the phone with overseas support dropped without fixing the missing 5x points.
Reddit · r/CreditCards · 206 days ago
They pair a Quicksilver with a VentureOne to earn a higher rate than the VentureOne alone, and mostly spend overseas, so they hope the Discover network opt-out is real.
Reddit · r/CreditCards · 206 days ago
They hold the original Savor with its high dining rate and annual fee, and find the fee hard to justify, which they think is why Capital One shelved that version.
Reddit · r/CreditCards · 207 days ago
They hold two Quicksilver cards, one upgraded from a Capital One Platinum after about seven years of waiting, and like the app and the card merchant offers, though they had stopped using the cards recently.
Reddit · r/CreditCards · 207 days ago
They use their Visa Quicksilver as the go-to card for foreign transactions in Europe and like not paying foreign fees, noting it was the only network of their cards that worked well for that.
Reddit · r/CreditCards · 207 days ago
They use their Quicksilver as either a primary or backup travel card, depending on which other no-foreign-fee card they hold at the time.
Reddit · r/CreditCards · 207 days ago
They stopped using their Quicksilver for months after getting better cards, though the new gas and grocery rate might bring it back into use, with some worry about Discover acceptance abroad.
Reddit · r/CreditCards · 207 days ago
They just opened a Quicksilver as a simple card with no foreign transaction fees for upcoming trips, and were disappointed to hear it might move to the Discover network.
Reddit · r/CapitalOne · 207 days ago
They have held their Quicksilver for about ten years and feel they get little real benefit from it, hoping the new gas and grocery rate reaches them.
Reddit · r/CapitalOne · 207 days ago
They opened their Quicksilver about a year ago but rarely use it now, preferring a Savor and Venture X pairing, though a gas bonus could bring it back into rotation.
Reddit · r/CapitalOne · 207 days ago
They still hold the older discontinued 4 percent Savor and call it their best Capital One card, having moved their Venture X spending elsewhere.
Reddit · r/CapitalOne · 207 days ago
They say they already use their Quicksilver pretty heavily and were excited about the news of added gas and grocery rewards on the card.
Reddit · r/CreditCards · 208 days ago
Calls the Everyday card solid with useful categories and no annual fee, using it for gas and online purchases, and finding Amex generous with credit line increases.
Reddit · r/CreditCards · 208 days ago
Keeps the Everyday card in a drawer, checking occasionally for Amex Offers, one of which saved them a little on a flight.
Reddit · r/CreditCards · 208 days ago
Says the Everyday card was their first Amex, remains solid, and they use its monthly credits and online retail offers.
Reddit · r/CreditCards · 208 days ago
Used the Everyday card for years and found the online category great, upgrading to the Preferred when grocery spending rose and adding another card to keep online earnings.
Reddit · r/CreditCards · 208 days ago
Held the Preferred card during its free first year and got a modest return, then downgraded to the Everyday card since the fee would not have been worth it.
Reddit · r/fidelityinvestments · 209 days ago
Slightly better cash back than comparable no-fee cards, but it was declined at every parking lot machine in Germany and Austria while other cards worked.
Reddit · r/CreditCards · 210 days ago
Expected a low starting limit after reading other posts but was pleasantly surprised: approval came in higher than any other card they hold, and it has been raised again since.
Reddit · r/CreditCards · 210 days ago
Eats out enough that the extra 1% more than covers the $95 fee.
Reddit · r/CapitalOne · 211 days ago
They have owned the Quicksilver for a long time but found the Capital One Shopping rewards rarely credited, with many marked ineligible or missing, and say customer service was like pulling teeth.
Reddit · r/CapitalOne · 211 days ago
They pair the Savor with a Venture and say it has been a great combo, earning a lot on dining and then transferring cash back to miles for future travel such as trips to Japan.
Reddit · r/CreditCards · 211 days ago
Their most used card; will never give up the 4% Savor.
Reddit · r/CreditCards · 211 days ago
Realized they would not spend enough on groceries and dining to justify the fee and downgraded.
Reddit · r/CreditCards · 211 days ago
Likes the simplicity of the no-fee Wells Fargo Active Cash and Autograph pairing.
Reddit · r/CreditCards · 212 days ago
They have had none of the app problems others describe and wish they had known earlier that eBay purchases count as department stores, since they spent heavily there last year.
Reddit · r/CreditCards · 212 days ago
They first got the card as a balance transfer offer after a divorce and, once that was paid off, began using its 5% category rewards. They note many holders likely never optimize it.
Reddit · r/CreditCards · 212 days ago
They used it for the sign-up bonus and now only for gas, keeping it in their mobile wallet. Their gas spend stays well under the monthly cap, and they once had to fall back on another card at a station.
Reddit · r/CreditCards · 212 days ago
They stopped using the card because they were fed up with Citi customer support, and applied for a Wells Fargo 2% flat-rate card instead.
Reddit · r/CreditCards · 212 days ago
They use it as a dining card and keep spending under the monthly cap by lining up their statement date with the start of the month. They find it works well for budgeting restaurant spend.
Reddit · r/CreditCards · 212 days ago
They hold two of these cards and use one only for groceries and the other only for restaurants, a simple way to earn the top category rate on both everyday spending areas.
Reddit · r/CreditCards · 212 days ago
They put a monthly parking garage plus tolls, trains and subway rides on the card as their transportation category. They rarely reach the monthly cap but feel the card is justified, alongside other cards for other categories.
Reddit · r/CreditCards · 212 days ago
They use it for a monthly fitness subscription for two and barely think about it, not even knowing where the physical card is. The category fits a steady recurring bill well.
Reddit · r/CreditCards · 212 days ago
They use it for cash or groceries whenever no other card has a 5% rate, and say the rules were clear when they got it. They stress sticking to one category each month to get the top rate.
Reddit · r/CreditCards · 212 days ago
Chase gave only a tiny limit and refused increases despite heavy use.
Reddit · r/CreditCards · 212 days ago
A year after the double points promotion the matched points still had not arrived.
Reddit · r/CreditCards · 213 days ago
They picked up the card to keep their family dining budget in check and have enjoyed the 5% back since, eating out far less. They later built a wider cashback setup around it.
Reddit · r/CreditCards · 213 days ago
They keep two of these cards, one for groceries and one for bars, breweries and restaurants, and rarely go over the monthly bonus cap. A separate store card covers any extra spend.
Reddit · r/CapitalOne · 213 days ago
They called Capital One to upgrade cards: one was moved to a Venture One and their Platinum was upgraded to a no-annual-fee Quicksilver.
Reddit · r/CreditCards · 213 days ago
They used the no-annual-fee Quicksilver as their main card for a while but now feel its rewards trail newer cards and are weighing whether to close it.
Reddit · r/CapitalOne · 213 days ago
They have had the Savor for several years and call it a great card, pairing it with a Venture for a solid two-card setup. They encouraged the poster to apply.
Reddit · r/amex · 213 days ago
Switched from a Gold card to the Preferred cash back card for simplicity, noting their credit score dips slightly when it is used heavily until paid off.
Reddit · r/CreditCards · 213 days ago
Booked travel on the Flex for the extra Q2 percent; the bonus appeared in the rewards dashboard.
Reddit · r/CreditCards · 213 days ago
Calls the FU an absolute powerhouse with the double cash back intro offer.
Reddit · r/CreditCards · 213 days ago
Got the double cash back offer and it became a 3x catch-all card.
Reddit · r/CapitalOne · 214 days ago
They love their Savor, using it for the 3% cash back categories and then transferring the rewards to miles for their Venture X. They find the two cards pair well as a duo.
Reddit · r/ChaseSapphire · 214 days ago
Retention offered 5,000 points to keep the CFU.
Reddit · r/CreditCards · 215 days ago
They moved to the Quicksilver after Wells Fargo would not raise their limit on the Active Cash. Capital One approved the increase and then raised it again quickly, which they saw as a real upgrade.
Reddit · r/CreditCards · 216 days ago
They choose utilities and department stores as their 5% categories and note that eBay purchases code as a department store, which gives them bonus cash back on a lot of their online shopping.
Reddit · r/CreditCards · 216 days ago
They put a large amount of utility spending on the card each quarter. Their utilities charge a card payment fee, but the 5% bonus always more than covers it.
Reddit · r/CreditCards · 216 days ago
They pick home utilities, which includes their internet, and fast food at 5%, with restaurants at 2%, and stack merchant offers on fast food and restaurant spend as often as they can.
Reddit · r/CreditCards · 216 days ago
Active Cash is fine but cash back posts slower and redeems manually.
Reddit · r/CreditCards · 217 days ago
They always choose utilities as a 5% category, since their utility spend nearly fills the quarterly bonus cap by itself, leaving no room for a second category.
Reddit · r/CreditCards · 217 days ago
They choose home utilities and TV, streaming and internet services as their 5% categories, and were pleasantly surprised that Google Fi wireless also earned the 5% bonus.
Reddit · r/CreditCards · 217 days ago
They use utilities and gym as their 5% categories. Utilities use up most of the quarterly bonus cap, but they still take the 5% on a gym membership because no other card pays that.
Reddit · r/CreditCards · 217 days ago
They pick utilities and ground transportation as their 5% categories on this card, which covers both their home bills and their work commute costs.
Reddit · r/CreditCards · 217 days ago
They choose utilities as their steady 5% category and then rotate between furniture stores and electronics stores as the second category on their card.
Reddit · r/CreditCards · 217 days ago
They pick utilities and fast food as their 5% categories and stack them with frequent card-linked merchant offers from a burger chain, which keeps their coffee runs very cheap.
Reddit · r/CreditCards · 217 days ago
They hold two of these cards: one with utilities and internet and streaming that stays in a drawer, and one in their wallet with gym plus furniture or department stores, depending on planned shopping.
Reddit · r/CreditCards · 217 days ago
They use this card along with the same product from a Texas credit union, splitting the 5% categories between the two cards, and use one mainly for golf-related spending.
Reddit · r/CreditCards · 217 days ago
They hold two of these cards covering utilities, furniture, internet and mobile phone, but their electric company changed payment processors and no longer codes as a utility, so only their water bill earns the bonus.
Reddit · r/CreditCards · 217 days ago
They use utilities and cell phone as their 5% categories now. They dropped internet and streaming after their internet provider began offering a discount for paying by bank draft.
Reddit · r/CreditCards · 217 days ago
They choose utilities and internet for the 5% categories and gas for the 2% category, because card-linked offers at gas stations frequently stack on top of the base earn on this card.
Reddit · r/CreditCards · 217 days ago
They choose utilities and transit as their 5% categories because their other cards already cover the rest of their spending, so this card handles those two areas.
Reddit · r/CreditCards · 217 days ago
They are considering dropping US Bank because of hassle: category selections made in the app did not register, so they lost several quarters of bonus earn, and the app later stopped showing their card.
Reddit · r/CapitalOne · 217 days ago
They got the Platinum, then a Savor a few months later, and later upgraded cards to Quicksilver, receiving credit line increases on all three about a week before the upgrade.
Reddit · r/CapitalOne · 217 days ago
They were approved for a Savor and a Quicksilver Secured within a few months of each other despite less than great credit, after checking the preapproval tool first.
Reddit · r/personalfinance · 218 days ago
Says the red card with the advertised 6% first-year rate is not earning that rate in practice despite thousands in spending.
Reddit · r/CreditCards · 219 days ago
Pairs the Double Cash with the Strata Elite for 2 points per dollar transferable to AA.
Reddit · r/CreditCards · 220 days ago
They just received their Wells Fargo Autograph and were pleasantly surprised by its weight, which feels almost like a metal card, and said they like the heft even on a card with no annual fee.
Reddit · r/CreditCards · 220 days ago
They product changed from the Active Cash to the Wells Fargo Autograph and noticed the card quality difference right away, finding the Autograph heavier and sturdier, almost like a metal card.
Reddit · r/CapitalOne · 222 days ago
They have used the same Quicksilver for 3 or 4 years for nearly all daily spending, but the limit has stayed small and they have not received a credit increase despite heavy use.
Reddit · r/CreditCards · 223 days ago
They have used the Cash+ regularly as a primary card for about two years, mainly for 5% on utility bills and mobile wallet purchases, and say it has not been nerfed and works as expected.
Reddit · r/CreditCards · 223 days ago
Hates the card's UI, finds managing it unpleasant, says it does not sync reliably with third-party apps and distrusts Elan.
Reddit · r/CreditCards · 223 days ago
Likes the Double Cash as the default Apple Pay card for 2% base everywhere.
Reddit · r/CreditCards · 224 days ago
Holds the Fidelity card and uses it for almost all international and Costco spending.
Reddit · r/CreditCards · 225 days ago
Rebooked a hotel through Chase Travel with the Flex to get 9% back plus a $100 offer.
Reddit · r/CreditCards · 226 days ago
Uses the card for online shopping and Walmart Pay in-store, which has always coded as online for them, as part of a multi-card setup.
Reddit · r/CreditCards · 227 days ago
Has paid taxes with the Double Cash and earned rewards for years.
Reddit · r/personalfinance · 228 days ago
They carry a balance on their Quicksilver at a high APR and say Capital One's chatbot and a live agent both refused a reduced rate because of their high utilization. They describe struggling to pay it down.
Reddit · r/ChaseSapphire · 228 days ago
Switched to the Fidelity Visa so rewards compound in a brokerage.
Reddit · r/CapitalOne · 231 days ago
They hold three Quicksilver cards, one of which Capital One upgraded from a Platinum card on its own, and they find the app's line-transfer feature handy for shifting limit to a newer Savor.
Reddit · r/CapitalOne · 231 days ago
They were approved for a Savor with a very low starting credit line, use it heavily and must keep paying it down, so they looked at moving line over from a Quicksilver.
Reddit · r/CreditCards · 234 days ago
Says their rate was cut to 1.5 percent without explanation after years as a customer and returned to 2 percent only after applying for a new card.
Reddit · r/CreditCards · 235 days ago
They had their Capital One Platinum switched to a Quicksilver and say it now works as a Quicksilver, after earlier graduating from secured to unsecured with a clean payment record.
Reddit · r/CreditCards · 235 days ago
Just got the card as a catch-all and says it does nothing special beyond 2 percent back, though it does not hurt with no annual fee.
Reddit · r/CreditCards · 236 days ago
They already hold the Wells Fargo Active Cash card yet were denied when applying for the Autograph, which they found odd.
Reddit · r/CreditCards · 236 days ago
They use their Citi Custom Cash for grocery spending as the 5% category, alongside an Amazon Prime Visa for Amazon and a Fidelity Visa as the catch-all, as part of a cash back setup.
Reddit · r/CreditCards · 236 days ago
They use the BofA Customized Cash Rewards for online shopping and find the category very broad, covering things like haircuts, streaming and app orders, with a boost available from Merrill balances.
Reddit · r/CapitalOne · 236 days ago
They used a secured Capital One card for a year, paying it off on time every month, and were then approved for a Quicksilver with a real credit line. They were surprised and say there is hope with Capital One.
Reddit · r/CreditCards · 237 days ago
They hold the Wells Fargo Autograph and use it to pay their cell phone bill for the phone insurance. They filed a claim last year and say it was paid out quickly.
Reddit · r/CreditCards · 237 days ago
They run the Wells Fargo Autograph as their catch-all card and daily driver, alongside other cards for groceries and rent, and rank it among the best cards for international travel.
Reddit · r/CapitalOne · 237 days ago
They recently got a Quicksilver Rewards card with a 0% intro rate period and like that the dashboard shows purchasing power, letting them plan a large business purchase and even go over their limit.
Reddit · r/CreditCards · 237 days ago
They hold a Quicksilver they rarely use, preferring another 1.5% card with a better limit; early Capital One experiences left a bad taste though they have since moved past it, and the card mostly sits in a drawer.
Reddit · r/CreditCards · 237 days ago
They switched from a Quicksilver to the Savor a couple of years ago and find the 3x on dining, groceries and entertainment worth more to them than 1.5x on everything, with the option to switch back still open.
Reddit · r/CreditCards · 237 days ago
Gave up the Double Cash because of garbage tactics at Citi.
Reddit · r/amex · 238 days ago
They had trouble enrolling in the Disney credit in the app, but a customer service agent reached through app messaging enrolled them instantly and it was quick.
Reddit · r/CreditCards · 238 days ago
Best card app they have used, plus a good savings rate.
Reddit · r/CreditCards · 238 days ago
Double Cash has been the go-to card for years but rewards are now being reduced.
Reddit · r/CreditCards · 238 days ago
Spouse built close to an 800 score with the Double Cash and Custom Cash and never had a problem.
Reddit · r/CreditCards · 239 days ago
Has had the Double Cash for about ten years without any issue.
Reddit · r/CreditCards · 239 days ago
Several years with Citi cards including the Double Cash and not a single issue.
Reddit · r/CreditCards · 242 days ago
They book month-long Airbnb stays with the Autograph and find the 3% bonus registers only about half the time, with support unable to explain why, though they like getting 3% on EV charging.
Reddit · r/CreditCards · 242 days ago
They and their spouse use a Citi Custom Cash only for groceries, staying near the monthly cap, and say it is perfect for their household.
Reddit · r/CreditCards · 242 days ago
They and their household hold five Citi Custom Cash cards covering restaurants, gas and groceries, with the one complaint being that identical cards cannot be nicknamed in Apple Wallet.
Reddit · r/CapitalOne · 242 days ago
They held the old annual-fee Savor for years and asked to switch to the current no-fee version, but the rep offered nothing and only suggested waiting or cancelling, so they cancelled.
Reddit · r/CapitalOne · 242 days ago
They moved from QuicksilverOne to the original no-annual-fee Savor through a product change, which they found seamless and easy with the rep.
Reddit · r/CapitalOne · 242 days ago
Their Quicksilver was restricted after a job loss left them unable to pay, but once they resumed paying it down Capital One sent a new card and restored the account.
Reddit · r/amex · 243 days ago
Confirmed that using Walmart Pay with the Everyday card in store still earns the 3% online rate.
Reddit · r/amex · 243 days ago
Checked recently and the Walmart Pay trick for the 3% online rate on the Everyday card was still working.
Reddit · r/amex · 243 days ago
The Everyday card at first coded as a wholesale purchase at Walmart but the 3% online rate still posted.
Reddit · r/CreditCards · 245 days ago
They product-switched their oldest Wells Fargo card, an unused 1% cash back card from 2008, to the Autograph in a few taps in the app and see the 3% categories as a big upgrade.
Reddit · r/CapitalOne · 245 days ago
They were pre-approved by email for the card after being turned down by a credit union card, then applied and got approved. They plan to keep utilization low and pay on time while rebuilding credit.
Reddit · r/CreditCards · 246 days ago
They own the Autograph and find the signup bonus mid, miss having travel insurance given recent airline cancellations, and think other cards earn the same on more travel categories.
Reddit · r/CreditCards · 246 days ago
They love the Autograph and used its Avianca transfer partner to fly around Latin America at no cash cost, calling the card a heavy hitter.
Reddit · r/CreditCards · 246 days ago
They got the Autograph at launch and still use it heavily as a fallback card and for work travel; it has been the most trouble-free card abroad compared with their other cards that flag foreign charges.
Reddit · r/CreditCards · 246 days ago
They were transitioned to the Autograph from Bilt and find it a very solid earner they use more than expected; the main downside is that the transfer partners are less flashy than others.
Reddit · r/CreditCards · 246 days ago
They find the Autograph very good for frequent work travel, earning the 3% rate on hotels, restaurants and rideshares and taking the rewards as cash rather than chasing transfers.
Reddit · r/CreditCards · 246 days ago
They carry the Autograph alongside Venture X and Sapphire Preferred and like its Choice Hotels transfer option as a way to find decent three-star stays, using points mostly on airlines.
Reddit · r/CapitalOne · 246 days ago
They like their Savor and its 3% dining rewards and want to grow the card, though the starting limit was low and a requested increase barely moved it.
Reddit · r/CapitalOne · 247 days ago
They were approved for the card in late February, but the physical card had still not arrived by the expected delivery date weeks later. They asked what to do next.
Reddit · r/CapitalOne · 248 days ago
They call the Savor their favorite card and use it when going out with friends, which suits its dining and entertainment rewards.
Reddit · r/CapitalOne · 249 days ago
They got a Savor through a guaranteed offer after being denied once, and its credit limit has increased nicely over the years since.
Reddit · r/CreditCards · 252 days ago
They use the Capital One Savor and like that the entertainment category earns 3 percent, which helps with theme parks and museum visits now that they have a toddler.
Reddit · r/CreditCards · 252 days ago
They hold four Custom Cash cards, assigned to transit, groceries, restaurants and a flex category, alongside a Citi Thank You card, pooling all points together.
Reddit · r/CreditCards · 253 days ago
They were upgraded from their first card, a Capital One Platinum, to the no-annual-fee Quicksilver after about four months. They were still working out how the cash back works.
Reddit · r/amex · 253 days ago
With the Preferred card as the default in the Walmart app, purchases inside regular Walmart stores code as a Neighborhood Market and earn the 6% grocery rate.
Reddit · r/amex · 254 days ago
Ordering online from Walmart for pickup or shipping with the Everyday card earns the 3% online rate.
Reddit · r/amex · 254 days ago
Adding the Everyday card to the Walmart app and paying in store with Walmart Pay codes as 3% online.
Reddit · r/CreditCards · 257 days ago
Now uses the Savor only for movie tickets, entertainment and as a card abroad.
Reddit · r/CapitalOne · 259 days ago
They love their Savor as an awesome card but expect it to be harder to use abroad once it moves to the Discover network, so they plan to lean on other cards for that.
Reddit · r/CreditCards · 260 days ago
They prefer the Blue Cash Preferred for its high grocery and streaming earn, the Disney bundle credit, Amex Offers and purchase protections, even after the annual fee reduces the net grocery rate.
Reddit · r/CreditCards · 261 days ago
They hold both an Amex Blue Cash Preferred and a Custom Cash, using the Amex for its broad streaming category and the Custom Cash for restaurants or groceries.
Reddit · r/CreditCards · 261 days ago
They treat the Custom Cash as a single-category specialist card and mainly use it when Citi merchant offers apply, alongside other overlapping cards, rather than as an everyday primary card.
Reddit · r/CreditCards · 261 days ago
They use the Blue Cash Preferred for groceries, streaming, tolls and parking, find the rewards cover the annual fee, and praise Amex customer service for resolving issues.
Reddit · r/amex · 261 days ago
Happier day to day with a Venture and Savor pairing that needs no mental gymnastics.
Reddit · r/CreditCards · 261 days ago
Covers dining places other cards miss, such as bars, taverns and caterers.
Reddit · r/CreditCards · 261 days ago
No year-end tax summary, so they are switching transactions away.
Reddit · r/CreditCards · 262 days ago
They switched to the no-annual-fee Autograph in 2024 from a Platinum card with no rewards, and love the 3% categories, the phone insurance and the lack of foreign transaction fees.
Reddit · r/CreditCards · 262 days ago
Going over a low limit carries no fee but removes the merchant offers from the landing screen.
Reddit · r/CreditCards · 262 days ago
Uses the Double Cash as the everyday card and recommends the Citi ecosystem.
Reddit · r/CreditCards · 263 days ago
They product changed a recently opened Citi Strata card to the Custom Cash after reading it was possible early, and the change went through on the same day.
Reddit · r/CreditCards · 263 days ago
They hold two Custom Cash cards: one they applied for directly and one product changed from a Citi Strata Premier that was opened for its bonus, then downgraded.
Reddit · r/CreditCards · 263 days ago
Has the Citi Double Cash but rarely uses it now that they prefer the Fidelity card.
Reddit · r/CreditCards · 263 days ago
Uses the Citi Double Cash more than the Fidelity card thanks to its statements and points interface.
Reddit · r/CreditCards · 264 days ago
They opened a Custom Cash and then a Strata four months later and received the sign-up bonus on both, describing Citi bonus eligibility rules as separate for each card.
Reddit · r/CreditCards · 264 days ago
They hold three Custom Cash cards and call the setup their most lucrative cash back system, though they still use other cards for everyday spending because of their bank.
Reddit · r/CreditCards · 264 days ago
They use a Custom Cash for EV charging and gas, which they converted from a Strata card, and note it still shows the old card image in their mobile wallet.
Reddit · r/CreditCards · 264 days ago
They product changed a Double Cash they no longer valued into a single Custom Cash to serve as their gas card, deliberately choosing one rather than several.
Reddit · r/CreditCards · 264 days ago
They product changed their Double Cash into a Custom Cash, wondering if they should have opened a new one instead, and doubt they need a second Custom Cash for now.
Reddit · r/CreditCards · 264 days ago
They hold three Custom Cash cards and could add a fourth, but feel they are hitting a wall in how useful additional cards are.
Reddit · r/CreditCards · 264 days ago
They hold four Custom Cash cards and tell them apart by final digit, assigning them to dining, entertainment, drugstores and an open category such as home improvement.
Reddit · r/CreditCards · 264 days ago
They hold three Custom Cash cards for groceries and dining but are not sure they could use more, since they charge their EV at home and need no gas card.
Reddit · r/CreditCards · 264 days ago
They hold two Custom Cash cards and called Citi to lower the credit line, since each card is only used for the monthly cap in a single category.
Reddit · r/CreditCards · 264 days ago
They let their single Custom Cash close from inactivity, and say a bad experience with Citi's fraud department means they will not go back to the issuer.
Reddit · r/CreditCards · 264 days ago
They hold two Custom Cash cards and tell them apart by cutting the corner off the one they use for groceries, a simple trick to track which card is for which category.
Reddit · r/CreditCards · 264 days ago
Uses the card for online spending, calling the 3% to 5.25% rate a game changer, especially at stores that only take Visa.
Reddit · r/CreditCards · 265 days ago
They opened the Citi Double Cash in early 2025 and treat it as their main catch-all card because of the flat 2% back on every purchase.
Reddit · r/CreditCards · 265 days ago
They product changed an old unused Thank You Preferred into a Custom Cash and plan to use it for restaurants or entertainment. They find it too limited for travel, subscriptions, Costco groceries or gas.
Reddit · r/CreditCards · 265 days ago
They use it for groceries and sometimes exceed the monthly cap, so they hold two and alternate between them. They doubt it works well for travel because of the low limit.
Reddit · r/CreditCards · 265 days ago
An online purchase from a bullion dealer coded as online retail and earned the 3% rate on the Everyday card.
Reddit · r/CreditCards · 266 days ago
They still have their Quicksilver as a starter card they no longer use, noting it earns some cash back with no foreign transaction fees and that product change offers come later.
Reddit · r/CapitalOne · 266 days ago
They say they have no interest in points or miles and are happy with the simple cash back they get from their Quicksilver and Savor cards.
Reddit · r/CreditCards · 267 days ago
Uses two of the cards, one with the first-year promo on online purchases, and is generally happy with their setup.
Reddit · r/CreditCards · 268 days ago
Chose the FU for 3x on food as a college student.
Reddit · r/CreditCards · 268 days ago
Prefers the FU over the Flex as a daily driver.
Reddit · r/CreditCards · 268 days ago
Nearly 16 years with the Double Cash and never any issues.
Reddit · r/CreditCards · 268 days ago
Double Cash does what it advertises and caused no problems in over ten years.
Reddit · r/CreditCards · 268 days ago
Has not hit the common Double Cash annoyances, even using it with Samsung Wallet.
Reddit · r/CreditCards · 268 days ago
Calls Citi mediocre on app and service but has kept the Double Cash over 20 years.
Reddit · r/CreditCards · 269 days ago
A faxed income verification went missing and led to a confusing denial email.
Reddit · r/CreditCards · 270 days ago
Opened a Fidelity account solely to get the card and funded a Cash Management Account right before applying, and the starting credit limit came in higher than expected.
Reddit · r/CreditCards · 271 days ago
They cancelled their Custom Cash because they prefer cards that earn on more than one category, and now use cards with several multiplied categories instead of a single one.
Reddit · r/CreditCards · 271 days ago
They use the Custom Cash only for gas for 5 percent back, and wait until Thanksgiving or Christmas to redeem points for gift cards when there is usually a promotion.
Reddit · r/CreditCards · 272 days ago
They declined Citi's repeated pushes to move their Diamond Preferred into a Strata and instead used online chat to switch it to a Custom Cash, which went through without trouble.
Reddit · r/CreditCards · 274 days ago
They found their Custom Cash came with a very small credit line that Citi refuses to raise, and payments post slower than on their other Citi card, so they cannot use it for recurring bills like a gym.
Reddit · r/CreditCards · 274 days ago
They and their household use their Custom Cash exclusively for gas purchases, taking advantage of the 5% category up to the monthly cap.