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Offered by: Capital One
Apply by phone: 1-866-960-8706

Capital One® QuicksilverOne® Cash Rewards Credit Card

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until February 2016; 22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until February 2016
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
617
Typical Low: 537
Typical High: 686
until February 2016   until February 2016  

0%*

22.9%*

0%*

22.9%*

 

Variable

 

Variable

Additional Details

Click here for Additional Details

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate

22.9%* Variable

Annual Fee

$39

Late Fee

Up to $35

Cash Advance Fee

3%, Min: $10

Balance Transfer Fee

$0

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost

$0

$0

$0

Interest Savings on Transferred Balance

$2,924

$1,400

$1,377

Interest Savings on New Purchases

$827

‑$87

$360

Value of Rewards on New Purchases

$684

$684

$684

Value of Bonus Points

$0

$0

$0

Annual & Application Fees

‑$39

‑$39

‑$39

 

Savings

Total Annual Savings

$4,395

$1,959

$2,382

Total Savings over 3 Years

$8,736

Credit Card Usage Profile

Transfer a Balance
Edit
  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $39
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders by ...

Current Balance
Credit Limit Utilized

Sample Size: 56,925
Data Created: February 02, 2015



1558 Cardholder Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Recent Reviews

Nope

I applied for this card after getting the offer through CK, with the approval rating of very good of getting approved. Applied and denied. If you are going to post these offers, be honest. Quite upset because my credit is not as bad as some of the reviews I've read. 

kmb401's response was:    

 
May 26, 2015

kmb401(1, 0)

Given 7-10 days message but got approval Helpful to 12 out of 14 people

I received a letter from capital one saying I was pre-approved for the Platinum card, after submitting an app online I was awarded a $300 limit- not much but my credit is not the greatest 550 score when approved with 5 medical collections on my eq report. They did pull all three reports. After about a month I decided to try for the quicksilver one card- was given the 7-10 days to review the application message so I assumed I was DENIED BUT after 14 days I got an Email from them saying I was APPROVED for $300 limit- I pay both my cards off every month and am looking forward to my CLI in 4 months on both... time to garden for a bit

Heartvine's response was:    

 
May 23, 2015

Heartvine(2, 13)

i really like this card Helpful to 10 out of 11 people

 Creditkarma gave me a fair odd  3months building my credit with gamestop card so i applied and was instantly approved 300 this card gave me a chance  to start building faster now it has almost 5 months i couldnt wait for cli since i as utilizing almost the 300. cli increase instantly for 800 and got approved for amazon card with 600 and capital one platinum for 500. I havent got any problems with this i always pay in full monthly

Leidy1000's response was:    

 
May 23, 2015

Leidy1000(1, 10)

Absolutely a card bad/rebuilders should. Helpful to 12 out of 14 people

I had made a lot of bad choices when younger but thanks to my wife she was able to clean my credit up over a 5 year period. My CK scores were around 650 with 2 in collections. I applied for this card and was approved with a $300 cl. I never thought I would have a credit card again. Capital One has certainly given me a chance to improve my score. I will write another review after the first five on time payment with an update. Thanks capital one. 

Jknametaken's response was:    

 
May 23, 2015

Jknametaken(1, 12)

See all 1558 Reviews of Capital One® QuicksilverOne® Cash Rewards Credit Card

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from November 2014 through April 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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