Capital One® Quicksilver® Cash Rewards Credit Card

Apply now
  • 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
  • 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 15 months; 16.24% - 26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24% - 26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Annual Fee:
$0
Purchase Intro APR:
0%*
(15 months)
Purchase Regular APR:
16.24% - 26.24%*
Variable
Balance Transfer Intro APR:
0%*
(15 months)
Balance Transfer Regular APR:
16.24% - 26.24%*
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 26.24%* Variable
Cash Advance Fee 3%, Min: $10
Late Fee Up to $38
Penalty APR None
Balance Transfer Fee 3%
Foreign Transaction Fee None
Return Payment Fee See Terms*

Rewards

Welcome 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
JackRiordan
What's In Your Wallet?
by JackRiordan
Helpful to 129 out of 138

After joining Credit Karma and getting back on track building my credit, I began looking for a credit card to meet my needs. I noticed that this card had two options, one with an annual fee, and one that didn't. At that time, my credit score was only a 560. My odds of getting the one without the annual fee didn't look good, so I didn't apply. I waited almost 6 months and my score was around 620. I applied for the one without the annual fee and was approved with a $1k limit. I also received the $150 welcome bonus as advertised after spending $500 in the first 3 months. After a little over a year of working hard to rebuild my credit, I now have a $3k limit and a credit score of 760.

There were other methods involved that resulted in me raising my credit score this high in such a short amount of time, but this card has really helped! The 1.5% cashback is awesome, and Capital One's website is very easy to navigate, login, and pay what you want when you want.

I highly recommend this credit card.

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
jerseycity47
No reason for lowering credit limit.
by jerseycity47
Helpful to 585 out of 637

I have had this card for 14 years with a $30,000 annual credit limit.  Unfortunately, I pay the balance in full every 30 days.  I received an e-mail that my credit limit has been lowered to $10,000 because I do not use it enough!  Well, I do use it a lot, but I pay the balance in full every month.  I can use home equity if I need more credit for a large purchase, but this makes no sense.  I want to find another card that will not do this, if any exists.


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† 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 October 2018 through March 2019. 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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