Upgrading Capital One Quicksilver to Venture X Explained

You can upgrade your Capital One Quicksilver card to Venture X, but you must have a Venture X offer in your account. The upgrade process typically takes a few minutes to an hour to complete.

To be eligible for the upgrade, you must be a Quicksilver cardholder in good standing, with a good payment history.

The Venture X card offers a higher credit limit, a 75,000-mile sign-up bonus after spending $4,000 in the first 3 months, and a higher earning rate on travel purchases.

You can upgrade from Capital One Quicksilver to Venture either online or by calling the number on the back of your card. You may also receive an offer from Capital One, but it's not guaranteed.

To check if you're eligible for an upgrade, log in to your online account. If you are, there may be an "Upgrade Now" button. You can also request an upgrade by calling Capital One customer service.

When you upgrade, your current APR and credit limit will remain the same, unless stated otherwise in your upgrade offer. Your card number will remain unchanged, but your CVV and expiration date will change. The annual fee will change from $0 to $95 when you upgrade.

You can upgrade to Capital One Venture if you've had the Quicksilver card for at least 6 months. Capital One will use a soft pull of your credit report when processing a credit card upgrade request, so your credit score won't be affected.

To upgrade online, log in to your account and look for the "Upgrade Now" banner. Follow the on-screen instructions to upgrade your card. Alternatively, you can call Capital One customer service to request an upgrade.

Here are the steps to upgrade your Quicksilver card:

You should receive your new Venture card in 7 to 10 business days. You can continue using your old card until then.

To upgrade from Capital One Quicksilver to Venture X, you can start by logging into your online account to see if you're eligible for an upgrade. If you are, there may be an "Upgrade Now" button.

You can also request an upgrade by calling Capital One customer service, or you may receive an upgrade offer by email or mail. Keep in mind that you'll need to have had your Quicksilver card for at least 6 months to be eligible for the upgrade.

To upgrade online, log in to your online account and select the "Upgrade Now" banner on the offer you'd like to choose. Once you've done that, a "Finalize Upgrade" window will appear, where you can review the upgrade basics and the annual fee.

To finalize the upgrade, check the box stating you've read and agreed to the terms, and then click "Upgrade Card." After clicking, you'll receive your new Venture X card within 7 to 10 business days.

Here's a step-by-step guide to upgrading from Quicksilver to Venture X:

Note that upgrading to Venture X will not make you eligible for the initial bonus offer that would otherwise come with this card.

If you're considering upgrading your Capital One Quicksilver to the Venture X, here are some key things to think about.

The Venture X offers a $300 credit valid through Capital One Travel every cardmember year, which can be applied toward flights, hotels, and rental cars.

This credit alone might justify the upgrade, especially if you travel frequently.

For $395, you'll get access to Priority Pass membership, Plaza Premium Lounge access, Capital One Lounge access, and Capital One Landing access, which applies not only to the primary cardmembers but also to up to four authorized users.

You'll also receive Hertz President's Circle status, cell phone protection, and bonus miles for purchases through Capital One Travel, including 10x miles on hotel and rental cars, and 5x miles on flights.

Here's a quick rundown of the benefits you'll get with the Venture X:

Ultimately, the decision to upgrade will depend on your individual needs and travel habits.

Upgrading to the Capital One Venture X may be a better option if you already have two Capital One cards or don't want to deal with a hard pull.

The Venture X has a higher annual fee, but it offers more benefits, including top-tier Hertz status and lounge access.

If you can maximize the credits, the Venture X may be worth the extra $300 annual fee, since you can get $400 in credit, making it $100 better in fees.

Upgrading to the Venture X is a good choice if you're already familiar with the Capital One ecosystem, as you can get the most out of the card's benefits.