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Looking for a recommendation on which card I should pick out of the choices capital one just gave me.
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So tonight I got a message from capital one that says I can now upgrade from my current non rewards credit card to a rewards credit card without applying and I'm automatically approved with no impact to my credit score or report. I just need to choose my card. My Interest rate and credit limit will remain the same.

I currently have a zero balance with a limit of $5,100 and these are the 3 cards I can pick from-

Quicksilver- 1.5% Cashback and $0 annual fee

Venture one- 1.25 miles per dollar and $0 annual fee

Venture - 2 miles per dollar and $95 annual fee

I don't travel by plane much, but I do fly about once a year. I also have plans to travel quite a bit more in the future, including a trip to Vegas in the spring.

A large majority of my credit card spending comes from groceries and entertainment activities.

Which one of these cards seems like the best option?

UPDATE - Thanks for the help everyone! I ended up choosing the quicksilver over the venture because my credit card spending doesn't justify the $95 annual fee.

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1 year ago