I'm so pleased with this credit card. I was so irresponsible when I was younger, and I've really paid the price. Luckily I left my credit alone for a few years. I didn't apply for a thing. When Credit Karma said I had good odds of approval I thought, yeah right! My score was about 550-575 maybe. I went ahead an applied anyway, just to see, and sure enough I was immedidiately approved for $500! I was totally shocked. I used it strictly for gas, and paid the balance off every month. On my 3rd month, we needed to go out of town and for grins I tried the limit increase option online. Immediately approved for $1500!!! I was just in shock. Needless to say, we had a great trip and a wonderful Christmas lol. I immediately paid it down, got it to around $550-600 balance. A month later I logged into my Cap1 app to pay on my bill and noticed a $500 increase. So I now have a $2000 limit on a card I've had less than 6 months! I have 0APR right now which is why I keep trying to pay it all off quickly lol, and the points really rack up. So far I've had $100 credited back to my card. It's really been great. At 36, I feel like an actual grownup for the first time...
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0% for 9 months
- Balance Transfer Regular APR 23.24%* Variable
- Annual Fee $39
- Purchase Intro APR 0% for 9 months
- Purchase Regular APR 23.24%* Variable
The Capital One® QuicksilverOne® Cash Rewards Credit Card is a great choice for people with fair to good credit who are looking for a credit card with a straightforward cash back rewards program.
What to Like
Capital One® QuicksilverOne® Cash Rewards offers 1.5% cash back on all purchases. This card also offers a 0% intro APR on purchases and balance transfers for 9 months., which may help you save money and eat away at existing credit card debt.
Look Out For
This card comes with an annual fee, so it’s important to weigh that against the cash back benefits. Also, just like with all introductory APRs, be sure to note when that 0% period is ending and those higher interest rates kick in.
Most Helpful Positive Review
Most Helpful Negative Review
I had an initial 1500 dollar credit limit. It was Xmas time and I paid for Xmas on my card cause I make plenty to pay it off so I spent about 700 dollars for my family Xmas and my sons bday and so that was still less then half of my credit line, plus I've always made every payment on time without fail! Well they decided to drop my credit limit to 1000 dollars and so in 2 seconds they made it seem like I was a high risk case and now I've used 90% of my credit limit cause they took away 500 dollars worth of credit line and my interest is now thru the roof. They don't allow you to make a payment from a debit card so I had to give them access to my checking acct and u can't email them ,u have to call them between the hours of 8-5pm and that's it ,so u better hope u don't have a question at 7am or 7pm cause u will b talking to yourself I assure u of that! I ask u what credit card decides to pull that much off ur credit line when u have never missed a single payment??? All of this is just insanity !
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‡ Average score refers to the arithmetic mean and typical low score to the 5th 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 June 2014 through November 2014. 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.