Capital One® Quicksilver® Cash Rewards Credit Card Reviews

I was thinking about a new credit. Did my research a little. Looked at the Amex Blue Cash, Chase Freedom, and The Quicksilver. Out of all the pro and cons I decided to go with the Quicksilver. I applied(my credit score on ck was 755/738) online and was approved. Well it said my limit was 10K!! I couldn’t believe! My boyfriend has the exact same card, makes more money than I do, and has a higher score, and his limit is 2500. It’s nice to have a limit that high,  it I definitely won’t ever use it that much. All in all, I feel like this a great card to apply for 

95k income have had the card well over a year, credit score 735/657/650 and can't seem to get past the 3k credit limit. Always says credit score not high enough.  Ugh 

I am about 9 - 10 months out of bankruptcy and they also approved me for an initial limit of $3k. This will do wonders for my credit. My score is currently in the 650-660 range depending on the scoring model. I'll be looking for a HELOC in a little over a year, so this is going to help make that happen. I had two Capital One cards that were included in my bankruptcy--I burned them for about $800, so I am very excited that they'd give me a second chance to rebuild my credit. The only negative item that I have on my credit report is the bankruptcy---not to minimize it, but I've no lates or anything else---just that HUGE BK. Thank you Capital One.

It has great benefits as a World Elite Mastercard and the cash back rewards rock! All that with NO annual fee. Quick and easy approval. Received a 10K CL, which is pretty decent with FICOs in the low 700s and CK scores in the mid 600s (still confused about why there  are such big gaps in my scores between CK and FICO models). 

i appreciate that this company really does care about their people behind the card. I have held this card for several years now, and know that it is why my credit score continues to rise. For anyone ashamed of low credit scores this is the card to assist you in starting over. I do not regret getting this card.

I started out with a regular Capitol One 'credit steps" card in June 2016 with a 500 limit.  I used the card responsibly and after the 5 payments they bumped me up an additional $600.00 CLI making it $1100.00.  I also had inquired about an APR reduction and they said I was not eligable but eligable to transfer my card to this one so I accepted.  Six months after my last CLI they gave me an additional $500.00 making my CLI $1600.00.  I feel the CLI are a little stingy but almost 4 years ago I filed a Ch7 and I understand these things take time.  

I had this card up until today. I changed my address because I moved the begining of last month. They decided the the change of address was fruad so they froze my accout without telling me. I called them and was told to scan my I.D front and back, my SS card and proof of residency. Well I asked the lady if my lease would be okay, because its between me, my boyfriend and our proporty manager. She told me that as long as my name was on it and the new address it would be fine. No one called me back, after a few hours I called them again just to find out that they have 72 hours before they have to call you. They lady looked over all my account said everything looked good so a manger just needed to look and call me back, AGAIN no call... so I called back and was told my lease wasn't good enough so I needed a bill in my name. Well the bills aren't under my name so I asked if a paystub, or a letter from my bank would be okay, I was told yes so I sent them that. I called a 6th time to check and make sure everything was okay and was again told it wasn't good enough. I don't recommend this card to anyone, the customer service is terrible. They tell you one thing and then they screw you over. Don't do it. I have never had this much of a problem before, I pay on time in full, and my credit is great. 

This card gives you 1.5% cash back and it's easy to request a limit increase online. Most of the time you will have the increase in a week. This is now my main card due to it's high limit after multiple increases.

I also had an issue with a charge. I called and was on the phone for about 20 minutes and the charges were removed and the vendor was blocked from charging any more. All around this is a great card to have.

You get your 1.5% back on everything, no problem there.  BUT, they are way over the top when it comes to monitoring your transactions.  When I run errands, I usually pick up a bottle of wine at my usual store, go to my local car wash, get gas and go to my grocery store.   Cap One repeatedly asks if I "approved these transactions?" and then states "Your card is frozen until you respond".  Yikes, the other day I charged something at an online site I had not used before, it would not go through so I used another card.  Check my email and sure enough, "There may be a problem.  Did you make this transaction?"   YES, I TRIED TO, but you guys would not let it go through so I used another card".   If you only have one card on you, these guys can leave you hanging, look elsewhere for your next card.

I have two cards with Capital One. The limits are the second lowest of six personal cards and 4 business cards. The 1.5% cash back is nice.