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Capital One® Quicksilver® Cash Rewards Credit Card

Offered by: Capital One

Capital One® Quicksilver® Cash Rewards Credit Card

  • 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
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until April 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until April 2016, 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
711
Typical Low: 648
Typical High: 780
until April 2016   until April 2016  

0%

12.9% – 22.9%*

0%

12.9% – 22.9%*

 

Variable

 

Variable

Additional Details

Click here for Additional Details

* 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

$0

Late Fee

Up to $35

Cash Advance Fee

3%, Min: $10

Balance Transfer Fee

3%

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost

‑$527

$0

$0

Interest Savings on Transferred Balance

$3,443

$1,913

$1,263

Interest Savings on New Purchases

$1,328

$2,224

$4,395

Value of Rewards on New Purchases

$684

$684

$684

Value of Bonus Points

$100

$0

$0

Annual & Application Fees

$0

$0

$0

 

Savings

Total Annual Savings

$5,029

$4,821

$6,342

Total Savings over 3 Years

$16,191

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: $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



250 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

Top Tier Card From Capital One Helpful to 3 out of 3 people

Nice to see Capital One evolve the past few years, and begin offering cards that rival prime, top tier cards from Chase, Bank of America, Citibank, etc...  No annual fee, 1.5% cash back, $100 bonus with $500 spend in 3 months, and an interest rate as low as 12.9% is right up there with the best no annual fee cards offered.  It's a nice "go to" card for everyday spend, along with their Venture Card (that has an annual fee).  I was instantly approved for a $30k limit (in line with my lowest limit cards) and 12.9% interest rate.  FYI:  My FICO scores are in the 800s across the board with a high income.  This card is highly recommended to diversify your credit portfolio. 

jacksandgo's response was:    

 
Jul 22, 2015
i dont understand Helpful to 3 out of 4 people

i just appled for the co quicksilver visa and was denied. i have a equifax score of 665. ck said i had a 704. i thought for sure id be approved for this card.i already have a quicksilver mastercard with a $1650 cl.. a co venture one card with a $3000 cl.i appled for a choice privelge barclaybank card and got approved for a $3000 3 days ago. and 2 other cards with over $1000 limits.ck sais my chances was good to get this card.when i called co and asked if they would reconsider.they guy i spoke to didnt really act like he wanted to help me, ive been building my credit back.back in 2010 i had to file for chap 13 bankruptsy.since that day i have not been late on a single car payment,credit card and i usually keep my cards with a 0 balance if possible.fyi if you have a bankruptsy on your file. dont even bother applying for a discover, american express or chase freedom card.they will deny you everytime.

studmuffinlee's response was:    

 
Jul 20, 2015

ck8766(1, 2)

Declined with good credit Helpful to 2 out of 4 people

Credit Karma said my chances to get this card were good, so I applied and got declined on the spot. My Experien and Transunion scores are both in the 'good' range, so whatever. I'm done with this company.

ck8766's response was:    

 
Jul 16, 2015
nice card Helpful to 5 out of 7 people

Best ****ing card! Better than all those pieces of **** on the market. ****!

chewbaca11's response was:    

 
Jul 15, 2015

Longpans(1, 8)

Generous Helpful to 8 out of 8 people

I have Cap One Quicksilver Mastercard, started off with $600 limit (credit was low 600's at the time). In approximately one year's time they increased my CL to 1200 then 2500.  Two weeks ago I applied for this Quicksilver Visa and my credit was up to 675 EQ and 690 TU, got approved for $10,000 CL with 19.99% apr. Not a great rate but Im still rebuilding and i havent been carry balances so the apr wasnt that big of a deal for me.  Cap One has been great for someone rebuilding.  All positives here.

Longpans's response was:    

 
Jul 12, 2015

See all 250 Reviews of Capital One® Quicksilver® 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 January 2015 through June 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.