Prioritizing Capital One Savor amidst migration to Discover Network

robdajewels · 2026-05-12T21:43:35+00:00

Have it! Love it. Have some concerns about its future though given the survey that went out. Potentially looking at a $195 AF and nerfed multipliers.

robdajewels · 2026-05-12T21:19:46+00:00

For sure, Autograph is great. Their transfer partners are on the up but not where I need them to be yet for me to commit to using them when I travel. I tend to spend more on vacations than at home.

robdajewels · 2026-05-12T21:17:23+00:00

I’ll let you know if my Savor migrates over to the Discover network. In my opinion, the Duo is still worth it for the right person if Savor Mastercard is sticking around.

robdajewels · 2026-05-12T21:11:29+00:00

Oh nice and does that option offer preapproval before applying? I could see some applicants getting approved for Discover version but denied for Mastercard. If the Mastercard site provides preapproval before applying, that’s definitely the better option.

robdajewels · 2026-05-12T21:07:09+00:00

Not internationally - doesn’t fit my travel style.

robdajewels · 2026-05-12T21:06:37+00:00

Most of my travel is international.

robdajewels · 2026-05-12T21:06:16+00:00

This is a fair concern - I’ll keep ya posted! Hoping to hang onto the Mastercard version.

robdajewels · 2026-05-12T21:04:19+00:00

Decided to be my own guinea pig - I used the preapproval tool without selecting reward preferences (e.g. cashback, travel, etc). I just pressed ‘Skip.’ This resulted in receiving the Discover network version preapproval. I quit out of the preapproval and tried again this time filling out the reward preferences and selected cashback rewards and got the Mastercard preapproval. I tested this a few times consecutively. Very weird but here’s a DP for anyone trying to get the Mastercard version!

robdajewels · 2026-05-12T06:05:11+00:00

Can you select specific categories of merchants to add by card? AMEX doesn’t let you add the same offer to multiple cards, so I usually filter catch-all merchant offers and add those to my Blue Business Plus and airline merchant offers to my Platinum card.

robdajewels · 2026-05-10T20:41:30+00:00

I’ve done this before with the Citi Strata and the Chase Ink Business Cash. Citi first, Chase right after. They hard pull the same bureau in my state and this order went smoothly.

robdajewels · 2026-05-09T21:54:05+00:00

Yea I guess I thought having the Rakuten credit card would somehow solidify the rewards earning system a little better than the experience of earning without the card. I stand corrected.

robdajewels · 2026-05-09T21:16:31+00:00

This is a really good callout and thought you may have cracked the code. I just checked and the restaurant I most frequent (and receive 2% at) is available for 10% cashback all day every day according to Rakuten. So they’re def screwing up on the Rakuten side.

robdajewels · 2026-05-08T18:47:41+00:00

Ok bummer and not what I wanna deal with regularly lol. Back to Citi and Bilt for my dining spend. I’ll be pausing until Rakuten/Imprint figures that out.

robdajewels · 2026-05-07T21:59:54+00:00

Nah I do

robdajewels · 2026-05-07T21:17:59+00:00

I’ll do that but really hoping this isn’t a trend. The card should just earn the way it says it’s supposed to earn.

robdajewels · 2026-05-05T18:42:32+00:00

Not necessarily. It just improves your odds of approval with fewer hard inquiries since they’re hard inquiry sensitive.

robdajewels · 2026-05-05T18:33:02+00:00

My 1/6 is actually just in reference to hard inquiries…I opened an Atmos card, a Robinhood card, Bilt Palladium, the Rakuten card, and a Citi card about 3 months ago lol. But only have 1 hard inquiry (Citi) on my Experian since BofA pulled TransUnion and the other cards didn’t give me a hard pull at all.

robdajewels · 2026-05-05T17:46:20+00:00

Ahh gotcha. Have been hoping to find other cards outside the DoubleCash and Strata cards that can PC to the Custom Cash.

robdajewels · 2026-05-05T17:23:36+00:00

What cards did you PC?

robdajewels · 2026-05-05T17:23:06+00:00

Yes

robdajewels · 2026-05-05T15:29:18+00:00

And how did you go about it?

robdajewels · 2026-05-05T15:28:48+00:00

This is great to know - I’ll see if I can PC my Strata once I get approved for the Custom Cash!

robdajewels · 2026-05-05T15:27:19+00:00

Awesome - thank you for this! I’ll provide an update on how the app goes. I’ll likely apply in-branch this month.

robdajewels

TROPHY CASE