Capital One Quicksilver to Savor

Upgrade Capital One Quicksilver to Savor: A Guide

Capital One credit cardholders often seek ways to enhance their rewards and benefits. If you currently hold the Capital One Quicksilver card and are considering an upgrade to the Savor card, you’re in the right place. In this article, we’ll explore the steps and considerations for upgrading your Capital One Quicksilver card to the Savor card and unlocking new rewards and experiences.

Understanding Capital One’s Card Upgrade Process

The Card Upgrade Concept

Upgrading a credit card means transitioning from one card to another within the same bank. In this case, you’re moving from Quicksilver to Savor, aiming to take advantage of the Savor card’s unique features.

Eligibility Criteria

Capital One determines eligibility for card upgrades based on several factors, including your credit history, payment history, and the specific card’s terms and conditions. Meeting these criteria is essential for a successful upgrade.

Benefits of Upgrading to Capital One Savor

Enhanced Rewards

One of the primary reasons for upgrading to the Savor card is its enhanced rewards structure. The Savor card offers cashback rewards on dining, entertainment, and groceries, making it an attractive choice for those who enjoy dining out and entertainment activities.

Introductory Bonuses

Capital One often provides introductory bonuses for new cardholders or those upgrading to a premium card. These bonuses can include cashback rewards or statement credits.

Steps to Upgrade from Quicksilver to Savor

Check Eligibility

Before proceeding with an upgrade, log in to your Capital One account or contact customer service to confirm your eligibility. Capital One will evaluate your account to determine if you meet the criteria for an upgrade.

Review Terms and Benefits

Ensure you fully understand the terms, benefits, and fees associated with the Savor card. This includes the annual fee, interest rates, and reward structure.

Request the Upgrade

Once you’re eligible and have reviewed the terms, you can request the upgrade through your online account or by contacting Capital One’s customer service. Follow the instructions provided to complete the process.

Things to Consider

Annual Fee

The Savor card may come with an annual fee. Consider whether the enhanced rewards and benefits justify this fee based on your spending habits.

Interest Rates

Review the interest rates associated with the Savor card to understand the cost of carrying a balance.

Credit Impact

Upgrading your card should not significantly impact your credit score since you’re staying within the same bank. However, it’s essential to monitor your credit report to ensure accuracy.


1. Will upgrading to the Savor card affect my credit score?

Upgrading your card within the same bank typically has minimal impact on your credit score since it’s not considered a new credit application.

2. What are the key differences between Quicksilver and Savor cards?

The primary difference is in the reward structure. Savor offers cashback rewards on dining, entertainment, and groceries, while Quicksilver offers a flat cashback rate on all purchases.

3. Can I downgrade my Savor card back to Quicksilver if I’m not satisfied with it?

Capital One may allow you to downgrade your card, but this depends on their policies at the time. Contact customer service to discuss your options.

4. Are there any introductory bonuses for upgrading to the Savor card?

Capital One occasionally offers introductory bonuses for new cardholders or upgrades. Check their current promotions for details.

5. Is the annual fee for the Savor card worth it?

The worth of the annual fee depends on your spending habits. If you frequently dine out and enjoy entertainment, the enhanced rewards of the Savor card may offset the fee.


Upgrading your Capital One Quicksilver card to the Savor card can be a rewarding decision, especially if you frequently dine out and enjoy entertainment activities. The enhanced rewards and benefits offered by the Savor card can provide you with valuable cashback opportunities. Before proceeding with the upgrade, carefully review the terms, fees, and benefits to ensure it align with your financial goals and lifestyle.

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