Capital One® Quicksilver® Cash Rewards Credit Card

Cardholders' Choice i
Cardholders' Choice i
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  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.99% - 23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99% - 23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
Annual Fee:
$0
Purchase Intro APR:
0%*
(9 months)
Purchase Regular APR:
13.99% - 23.99%*
Variable
Balance Transfer Intro APR:
0%*
(9 months)
Balance Transfer Regular APR:
13.99% - 23.99%*
Variable

Details, Rates & Fees

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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 23.99%* 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*

Rewards

Sign-Up Bonus

Earn $150 after you spend $500 in the first 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
Creditrebuilding
Awesome Card!!
by Creditrebuilding
Helpful to 319 out of 335

I applied for this card a few weeks ago after Credit karma said that my approval odds were, "very good".

My Credit Karma scores were - Transunion - 685 and Equifax – 683. After applying, I received a notification that my application would need further review.  I immediately thought that this meant that I’d been declined. My hopes were down, I experienced that few hours of depression that you get when you think you’ve been rejected.
The next day I received a phone call from a rep at Capital one. She said that my application was flagged for further review because they needed to make sure that it was me that submitted the application.  After confirming that I did submit the request, she pushed my application forward.
A few days later I received an email stating that my new card was on the way!!! When I received it, I found out that they started me off with a credit line of $3,000. I was so excited, as my other card from Cap1 is a secured card that had a credit line of $500.  Moral of the story is, just because your application needs further review, this is not necessarily a bad thing. Capital One has been amazing since I received my first card from them a few years ago.  If credit Karma says that your approval odds are, “very good” for this card, go ahead and apply. You never know, they may start you off with an even higher credit line than I did. Thanks for taking the time out to read my review!

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
CT0
Great until fraud occurs
by CT0
Helpful to 534 out of 586

I've had this card for several years. Always paid on time, happy with everything until it got compromised due to a fraudulent attempt this weekend. Thankfully with the Capital One Wallet app, I caught it right away and locked my card. I called in to get it closed and replaced. When the new card arrived, a sticker on the front read that it was already activated- that was new/different than ususal, but I shrugged it off and put it in my wallet.

 

Unfortunately, when I went to use it the next day, it was declining. I logged in online and it said my new credit card account was locked and I needed to call the fraud team. Very strange, since I thought the fraud was handled and this was a new card. I called in, and they told me my credit card address was flagged as "bad" and I needed to provide my driver's license scanned back-to-front, proof of residence, and my social security card scanned to get the hold removed. Wait, what? Why should I have to do any such thing after being a recent victim of fraud? What made even less sense was that the address the fraud team flagged as "bad" is the same one I do all my Capital One banking at, where my credit card has been registered for months, and where they shipped the new card. And if they genuinely felt my address was even potentially "bad" or "fraudulent" (both suggestions are logically absurd), why would you bother to ship the new card here?! That above all else shows clearly, the issue is rigid customer service, not my actual consumer safety from fraud. To me, it sounds like a computer algorithm flagged something erroneously, and a human needs to take the extra step to apply the logic at hand to remove that flag for a loyal, paying customer. No such thing at Capital One "fraud protection" services!

When I tried to explain all this to the rep, I was pretty much ignored. I needed to give them all the aforementioned information, and that was the only solution to a problem I didn't create. No option to escalate to a manger who could help out, no application of basic logic (why suddenly flag this address out of the blue? Why not just call the banking side of operations and cross reference that my address is the same across accounts and settle it that way?). I was so fed up being ignored by the rep, I thanked them and ended the call, and tried calling in again to hope that a human would answer this time. Same roadblock reasoning! The computer is the be all end all. They have no interest in doing their job (customer service), just ticking off whether they got all the information required to clear the flag.

So I'm done with it- the new card can stay on hold, and I'm moving on from QuickSilver. Capital One has enough of my information, and if this is how they treat a loyal, paying customer when fraud occurs, then I'll take my credit card business somewhere that can handle it right. Don't make a customer twice the victim in the name of "security" (again, so secure you shipped the card here). Use your heads, and train a team equipped to provide actual customer service, insted of blindly following an auto prompt. If you can't, at least develop a protocol or route for things to get escalated to a manager than can help.


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 for the life of the account, and no annual or foreign transaction fees. The card also includes a 0% intro APR on both purchases and balance transfers for 9 months.

Look Out For

Each balance transfer comes with a 3% fee.

Similar Offers

† Credit Karma looks 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 March 2017 through August 2017. 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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