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

Capital One® Quicksilver® Cash Rewards Credit Card

  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases until November 2015; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until November 2015, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
Typical Low: 636
Typical High: 820
until November 2015   until November 2015  


12.9% – 22.9%*


12.9% – 22.9%*





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

24.9%* Variable

Annual Fee


Late Fee

Up to $35

Cash Advance Fee

3%, Min: $10

Balance Transfer Fee


Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost




Interest Savings on Transferred Balance




Interest Savings on New Purchases




Value of Rewards on New Purchases




Value of Bonus Points




Annual & Application Fees






Total Annual Savings




Total Savings over 3 Years


Credit Card Usage Profile

Transfer a Balance
  • 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: $0
  • 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 ...

Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder

Sample Size: 964
Data Created: February 02, 2015

185 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

Upgraded cards via Capital One Helpful to 2 out of 4 people

With a VantageScore of 733 CK says I have "good" credit. However, with the old scoring method my number falls to 637, as does my credit description (I think it becomes "poor" or "fair". CK had my approval odds as "poor" for this card. I got the card through an "upgrade" process. I've had a Capital One Platinum card for approximately 9 months now. Started out with a $300 CL that was increased to $3,300 after 5 months. The Platinum card has no rewards and an annual fee that's waived for the first year. It was always my intention to get away from the card before having to pay any annual fee at all. I called and basically said the Platinum card was dead weight in my wallet. I have two other cards that have no annual fee and offer rewards. I fulled expected I'd be closing this account. However, they upgraded my account to this Quicksilver card. I incurred no credit inquiry by doing this and maintained the age of the original account which is good for my credit history.

Mike1001001's response was:    

Feb 16, 2015

Mike1001001(6, 28)

APPROVED!!! Helpful to 4 out of 4 people

ive had the quicksilver One mastercard for about 3-4years now started out with $300 cl and had 3 cli over that period of time... i got a cli from $4500 to $7500 yesterday (Feb13,2015)....

So i called capital one and asked if i could be converted to this card the visa signature, ad was told NO, i had to o a new application for the visa acct. anyways i told her no thanks and hung the phone up... i was really tempted to apply for this card, so i was like what the heck filled out the new app for the visa sig and was instantly approved for $5000... $0 annual fee, 0%APR untill november 2015.. and $100 bonus cash back after i spend $500 within the first 3 mths... and also 1.5% cashback on all purchases... 

Ritzy627's response was:    

Feb 14, 2015

Ritzy627(24, 86)

Top Contributor

Approved with 673 TU Helpful to 4 out of 6 people

I have had about 6 delinquent reports on my credit report. I did have 800+ score at one point but as i was younger I was also less responsible. Closed all my cards about 5 years ago and told myself not to use credit cards anymore. Now my main reason for wanting to rebuild credit is most employers now look at your credit score before they hire you. So i started with my capital one Platinum card last October 2014(2K limit) with a score of 634 TU. I also applied for Chase Freedom, Barclay, and Discover which all 3 according to CK i had poor chances with so i wasn't surprised 2 declined me except Discover but i understand why as my score was embarassing. Anyways I checked capital one website and checked if i was pre-qualified for a card with a lesser APR. To my surprise Quicksilver and Venture came up and says i was pre approved as i know both cards need excellent credit for good chances of approval. CK says that my approval is poor but i was curious to see if capital one made a mistake about the offer so i applied and within 60 seconds i was approved 3K limit. I chose Quicksilver over Venture because i don't travel much and that the i will not take advantage of the venture perks. Thanks Capital one. I have never had had any issue/s with their customer service. So if your score is low before you apply check capital one website first and see if you are pre-qualified for better odds of getting approved. I hope this helps 

Makuy's response was:    

Feb 06, 2015

Makuy(1, 4)

Great card compared to what I had Helpful to 3 out of 3 people

I called in about this card while having the journey student card.  The rep told me she could switch me to this card if I could complete the application process which I did.  After being on the phone for only a few minutes I was approved for this and they sent it out to me.  They have this card and the quicksilver one card.  I was approved for this one.  I was approved with a $300 limit about six months ago.  I received an e-mail this morning stating that since I have had on time payments they are increasing my credit limit by $200.  So I have nothing but positive things to say about this card and this company.

androidscrooge's response was:    

Feb 05, 2015
Capital One Quicksilver Card approved! Helpful to 1 out of 1 people

I applied, with a credit score in the mid-to-high 600s and was approved with a 1,000 CL. This will be a huge help in boosting my credit score (after bankruptcy over 2 years ago). I have had Capital One in the past and have never had a problem with them, until I had financial problems. They are not understanding and usually won't work with you so be sure to pay those monthly payments!

ClevelandLady's response was:    

Feb 04, 2015

See all 185 Reviews of Capital One® Quicksilver® Cash Rewards Credit Card

† These Approval Odds represent Credit Karma’s estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to 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 August 2014 through January 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.