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
  • Redeem the cash back you earn for any amount, any time
  • Your cash back doesn't expire
  • 0% intro APR on purchases and balance transfers until January 2015
  • No annual fee
714 Average Credit Score Approved for this Card
642 Lowest Credit Score Approved for this Card
Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
until January 2015   until January 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 "Take Offer" 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

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.

Compare Holders of this Card
Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder
Sample Size: 616
Data Created: October 01, 2013

119 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

Faulty Rating on approval of cards

After having their Platinum card for years Capitol One sent me an offer for the Quicksilver last week and I accepted.  My card was converted with no problems.  Credit Karma rating system still says that I on't have a fair chance of being approved despite my good credit.  My point is don't take their rating system to heart it's completely not accurate!

Jralways's response was:    

  Apr 19, 2014

Jralways(1, 0)

Review by Jralways

1 Contributions 0 People Helped

I currently have the Qucksilverone card

Has anyone ever gotten the Quicksilverone Mastercardcard and then got upgraded to the Quicksilver Visa?  Does anyone have both cards?

jolg25's response was:    

  Apr 15, 2014

jolg25(1, 0)

Review by jolg25

1 Contributions 0 People Helped

I've had one of their standard credit building cash back cards (my first card) for 7.5 years. I used it a lot in spite of a 2k limit (usually paid more than once a month). This card appealed to me because it has a better cash back rate, I'm familiar with CapOne, and they've always given me great service. I use the old card for almost every daily purchase, so I'm looking forward to more cash back. I foresee myself using this less than other cards, but still using it multiple times a month. I appreciate that it only requires spending $500 to get $100 back, which is one of the easiest-to-attain signing bonuses I've seen.

766 CK & Experian (on the letter they mailed me), constant high utilization (>50%), 11.5k combined credit limits, 7.5 year history, 3 revolving accounts, 1 closed, 0 hard pulls, no derogatories, never late, and never carry a balance (except on promo 0% accounts). Approved instantly online with 7.5k limit.

wonkywallet's response was:    

  Apr 14, 2014

wonkywallet(9, 1)

Review by wonkywallet

9 Contributions 1 People Helped

Thanks for Nothing! Helpful to 1 out of 1 people

I applied based on CK's useless recommendation and "good" approval odds. Despite having the Journey card with Capital One for over a year with perfect on time payment history and keeping my balance at around 15% utilization and having my CL increased about 6 months ago, I was DENIED for the Quicksilver for average credit. Not cool. I will have to wait for a decision in the mail. Ugh, wish I hadn't taken the hit on my credit. CK 670, FICO of 720. 

Apr 05, 2014
Formerly Orchard Bank (acquisition) Helpful to 0 out of 1 people

I didn't actually apply for this card as a former Barclays Card division Orchard Bank visa holder this was an acquisition only a $2k limit.  I have had other cards with Capital One (they let me keep one after bankruptcy by reaffirming the debt of $600 but have never raised the limit on that card in almost 10 years (June 2004 I reaffirmed the debt).  I have a couple of other very low limit Capital One Cards which I use to keep active (tank of gas etc.) Haven't carried a balance for at least a year on most of them.  I have a Discover IT card which I got about 3-4 months ago (before my bankruptcy fell off 5 March 2014) with an $8500 limit and 0% for 15 months and a 15.99% interest after.  Better card better, service.  I would actually close my capital one accounts if they didn't have the longest history on my report.  I would recommend them for someone who is rebuilding but only this quicksilver card since the rewards really are no hassle.  

FICO 724/CK 720 Vantage 852

Mar 27, 2014

See all 119 Reviews of Capital One® Quicksilver® Cash Rewards Credit Card

† Credit Karma members have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.