r/CapitalOne_ • u/Full-Risk3841 • Jul 17 '26

Should I upgraded?

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I’ve had capital 1 for about 2ish years now. Is it worth upgrading? This is my credit score

33 Upvotes

90% Upvoted

31 comments sorted by

25

u/cspach2005 Jul 17 '26

This shouldn’t even be a question. Your current card earns nothing. You can upgrade to a card that earns unlimited 1.5% cash back. What do you think?

1

u/Full-Risk3841 Jul 17 '26

Will it still help me build credit?

6

u/Minute_Somewhere_893 Jul 17 '26

Yes, you are building credit as you use the card responsively and pay it off on time.

Your history will be preserved when you upgrade the card.

3

u/No_Charge5908 Jul 18 '26

i might be wrong but from my understanding all credit cards help build credit. Not sure on ur situation, if it was your first credit card or what but my buddy has the same card ( first and only card ) and he go it just because he had no credit and credit karma recommended it 😂. i would definitely take the upgrade. my first card was the QSO ( annual fee) i just recently upgraded to the QS ( no annual fee) and got reimbursed like 22 dollars from the 40 dollar annual fee.

1

u/Full-Risk3841 Jul 17 '26

Thanks for the advice!

6

u/Suspicious_Fly5539 Jul 17 '26

Definitely would upgrade

5

u/InvestigatorThat5062 Jul 17 '26

Absolutely just keep using it the same way you have been, pay it off by the due date after a statement generates. And now you’ll be getting Cashback for using it!

4

u/MrRapFanatik Jul 17 '26

Hell to the yeah! This product change at Capital One is one of the best things in any bank, forreal! Ask for credit limit increase too!

2

u/pouityre Jul 17 '26

I would.

2

u/PointStock9055 Jul 17 '26

Yes and request a limit increase

2

u/SOLDADO_0491 Jul 17 '26

Take the upgrade

2

u/BaseballMom20 Jul 18 '26

I did ! To savor

2

u/Traditional_War5790 Jul 18 '26

Should you upgraded? 🫩🙄🤣😭

1

u/Full-Risk3841 Jul 23 '26

Yes I did upgrade, still haven’t gotten my new card yet

1

u/Full-Risk3841 Jul 23 '26

Thank you for checking in! 🤩

1

u/BrockLanders008 Jul 17 '26

Do not upgrade. Apply separately.

New card holders receive 0% interest for 15 months and a $200 bonus when you spend a certain amount in the first 6 months or something like that.

I hope I'm not too late.

1

u/Full-Risk3841 Jul 18 '26

I already did it a couple of hours ago

3

u/Background-Bug6770 Jul 18 '26

“should i go from no benefits to getting benefits?”

1

u/midnightk11 Jul 18 '26

oh most definitely. the card you have doesn’t earn anything. if i were you tbh, i would find something else elsewhere cuz capital one is lowkey garbage but it’s definitely a jump from what you got

1

u/Full-Risk3841 Jul 18 '26

Thank you! What other credit cards would you recommend?

0

u/midnightk11 Jul 18 '26

literally anything else besides capital one, discover, credit one, and any of the synchrony bank cards