Capital One® Quicksilver® Cash Rewards Credit Card

Cardholders' Choice i
Cardholders' Choice i
  • One-time $100 cash 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 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
  • 0% intro APR on purchases until February 2017; 13.24% - 23.24% variable APR after that
  • Balance transfers also have a 0% intro APR until February 2017; 13.24% - 23.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
Annual Fee:
Purchase Intro APR:
(until February 2017)
Purchase Regular APR:
13.24% - 23.24%*
Balance Transfer Intro APR:
(until February 2017)
Balance Transfer Regular APR:
13.24% - 23.24%*

Details, Rates & Fees

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.

Cash Advance Rate 23.24%* Variable
Cash Advance Fee 3%, Min: $10
Late Fee Up to $35
Penalty APR None
Balance Transfer Fee 3%
Foreign Transaction Fee None
Return Payment Fee See Terms*


Sign-Up Bonus

Earn $100 after you spend $500 in 3 months.

All Purchases

1.5% cash back per dollar

No cap on spending

Cardholders' 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 Helpful Positive Review
Got Approved
by Hogan315
Helpful to 239 out of 256

According to Credit Karma I have fair credit, however for this card it states you have to have excellent credit. Needless to say, I joined credit Karma yesterday 11/20/13 and obtained my credit score (672), reviewed my credit card recommendations (Chase freedom TOP RANK, CapOne Quicksilver 1ST RUNNER UP, and I can't remember the last one). I went with CapOne because I liked their 1.5% over Chase's 1% with rotating categories that I may never utilize. Needless to say, I was approved with FAIR credit for $5000.00 with 20.9% APR, which is high....however, I plan on using my card like I would my debit card to pay bills I know I have the money for and then turning around and paying it off at the due date to avoid paying interest and to improve my credit and get better offers. Will keep you all posted on customer service, cash reward redemption, etc. once I receive and have a chance to use my card!!! Thanks Capital One and thank you credit Karma!

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 Helpful Negative Review
by Laughlyn
Helpful to 99 out of 127

 giving this a 3 star even tho i was denied, but allow me to explain this before i am demonized =]


i did the offer through this site and was *instantly* denied with a CK score of 697 and a TU 699 with one single account (also a capitol one the small No Hassle card) which has a $0 balance. actually not only does it have a zero balance but in the months i have had it since august '11 i have used it every month, and payed ahead twice a month. In fact i never showed a balance on my account because of this habit.


anyways, as soon as i could hit the apply button i was denied. i chalked it up to somehting to do with my credit rebuild or to my now short credit history as this single card was ALL i have left in my credit history now on all 3 beureas. to my amazement when i got the letter it said i was denied for having bad/ past due accounts or somehting of that phrasing. i spent 45 mintues on the phone today between 5-6 different people at capitol one who were all rather confused until i got to the last 2. a nice lady in accounts did a check on me and my very first credit card was also a capitol one card (which i had forgotten and thought was a sears card) which had been sent to the grouping of overdue, shut down, or forced closings for payment problems but showed to have been payed in full and cleared back in '03. she got me on the phone to the last guy who had to make 3 other calls about the situation before he found my answer.


turns out that because of that old account that no longer even showed on my history (tho it had been flagged in their system) would show for a stated amount of time he could not directly say, but did mention it would likely be cleared up in a matter of months. but until that time any attempts made by me above a bottom tier card would hit an automatic denial, but that it was an internal system check which means that even tho i was denied for this, it stoppedthe application before the secured server even ran my credit... thus no hard inquiry by capitol one (which i had been watching for and wondered why it had not showed up yet on my monitoring site i also use).


so in closing while i tried to stay with the company that had once again started me up in the credit worl., i am still very happy with them having taken the time to investigate this oddity, and will likely check back with them in a year or so if i need another card as i still have yet to have a truly negative experience with them and i encourage EVERYONE who is denied by any company to call and try to figure out their reasoning for a denial that seems unjust - either you can get them to reevaluate your application, or you can learn something that may well prove very important to your knowledge and understanding of all this credit babble anyway.


hopefully this helps at least a few of you,



PS~ now knowing that my credit has not been affected at all by this, i shall go do some research between Chase's equivalent card on here as well as Amex and Discovery who happened to pre approve me in the mail today. Knowledge = Power =]

Our Take

The Capital One® Quicksilver® Cash Rewards Credit Card offers appealing cash back terms to consumers with good to excellent credit.

What to Like

The Capital One® Quicksilver® Cash Rewards Credit Card includes 1.5% cash back on all purchases. There’s no limit or expiration date on the cash back rewards you earn, and no annual or foreign transaction fees. The card also includes a 0% intro APR on both purchases and balance transfers until February 2017.

Look Out For

Each balance transfer comes with a 3% fee.

Similar Offers

† We look at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there’s no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ 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 2015 through April 2016. 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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