Maria Adams, Credit Cards Moderator
@m_adams
Yes, you can upgrade from Capital One Platinum to the Capital One Quicksilver Cash Rewards Credit Card. You can do so either with an offer from Capital One through your online account or by calling the number you see on the back of your card. Capital One tends to offer upgrades on accounts that are at least six months old with a history of timely payments and low credit utilization.
How to Accept a Capital One Upgrade Offer Online
- Click “Upgrade Now” on the notice in your online account or email, followed by “Finalize Now.”
- Check the box stating you agree to the terms.
- Click “Upgrade Card” to complete the process.
Upgrade offers do not affect your credit score. If you call customer service to request an upgrade, however, Capital One will pull a copy of your credit report to see if you qualify. This will cause a slight decrease in your credit score, but only temporarily.
What Happens Once You Upgrade a Capital One Platinum
Once you’ve qualified to upgrade your Capital One Platinum card to a Capital One Quicksilver card, you should receive your new card in about 7 to 10 business days. Unless it’s stated differently in your upgrade offer, you will keep your current card number with no changes to either your APR or credit limit.
You can use the Capital One Platinum card and utilize the Capital One Quicksilver card’s features and benefits until the new card arrives. However, when you upgrade, you are not eligible for the Capital One Quicksilver card’s initial bonus.
What to Do if You Don’t Qualify for an Upgrade to Capital One Quicksilver
If you don’t qualify for an upgrade from the Capital One Platinum card to the Capital One Quicksilver card, consider the Capital One QuicksilverOne Cash Rewards Credit Card instead. This card’s credit requirements are similar to the Capital One Platinum card’s, but it offers 1.5 - 5% cash back on all purchases. The Capital One QuicksilverOne card also has a $39 annual fee.
Capital One Quicksilver Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
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Louis Dovlin, Member
@louis_dovlin
Capital One can upgrade you to the Quicksilver card. If you aren't automatically upgraded to Quicksilver from Platinum, you can check if you're eligible here. Good luck!
People also ask
How can I upgrade my Capital One QuicksilverOne card to the Quicksilver card?
You can upgrade your Capital One QuicksilverOne card to the Capital One Quicksilver Cash Rewards Credit Card by submitting a request over the phone at (800) 227-4825. Alternatively, you can upgrade your credit card by accepting an online or mail offer.
How to Upgrade your Capital One QuicksilverOne Card Over the Phone
To upgrade your Capital One QuicksilverOne card over the phone contact customer service at (800) 227-4825 and ask if you’re eligible for an upgrade. There’s no credit check associated with a request to upgrade. If...
read full answer by Melissa Blake, MemberHow do I increase my Capital One Platinum card credit limit?
You can request a Capital One Platinum (see details, rates & fees) credit limit increase online, through the Capital One mobile app, or by calling customer service at the number on the back of your card. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Capital One has on file. Capital One will be more likely to increase your credit...
read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
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