Capital One® Quicksilver® Cash Rewards Credit Card

The following table shows the features, rates, and other key data for the Capital One® Quicksilver® Cash Rewards Credit Card offer in Capital One offers. These terms are updated on a daily basis by the CreditCards.org database. If you wish to apply for the card, you may do so securely on its official website by clicking the Apply Now button below:
Capital One® Quicksilver® Cash Rewards Credit Card Apply Now
  • One-time $100 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 and no sign ups needed to earn cash rewards
  • Cash back doesn't expire and there’s no limit to how much you can earn
  • 0% intro APR on all purchases until June 2015
  • Balance transfers also have a 0% intro APR until June 2015, a 3% fee applies to each balance transferred
  • No annual fee
709
average
654
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-until June 2015* 0%-unti June 2015* 12.9%-22.9% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-until June 2015*
Intro APR Balance Transfer 0%-unti June 2015*
Regular APR 12.9%-22.9% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*

Credit Score Needed

Capital One® Quicksilver® Cash Rewards Credit Card is generally for people with Excellent Credit, though other factors besides credit score can also determine whether a particular application is accepted. See more Capital One offers.

Most Helpful User Review

Commented at Nov 21, 2013

According to Credit Karma I have fair credit, however for this card it states you have to have excellent credit. Needless to say, I joined credit Karma yesterday 11/20/13 and obtained my credit score (672), reviewed my credit card recommendations (Chase freedom TOP RANK, CapOne Quicksilver 1ST RUNNER UP, and I can't remember the last one). I went with CapOne because I liked their 1.5% over Chase's 1% with rotating categories that I may never utilize. Needless to say, I was approved with FAIR credit for $5000.00 with 20.9% APR, which is high....however, I plan on using my card like I would my debit card to pay bills I know I have the money for and then turning around and paying it off at the due date to avoid paying interest and to improve my credit and get better offers. Will keep you all posted on customer service, cash reward redemption, etc. once I receive and have a chance to use my card!!! Thanks Capital One and thank you credit Karma!

Review by Hogan315

User Reviews

Average Rating: 7.2 out of 10 based on 165 user ratings.
Commented at Sep 8, 2014

Describe what happened so we can understand the issue... 

I received an offer in the mail from Capital One, for the Quicksilver card, which I applied to, it said "access to a higher credit line after you make your first 5 monthly payments on time". I applied in April, it is now September. The first time I called in regards to how much and when the increase will happen the representative said he didn't see anything about it, he waited 10 minutes for me to find the application and I recited it to him. He still knew nothing of it and asked if I wanted them to pull my credit so they can see if I'm eligible for an increase, no. I called a week or so later and the lady seemed to know what I was talking about this time she said I should receive it the latest by September. Then I call today September 8th and spoke to another guy that knew nothing of what I was speaking about. He put me on a long hold and said I'll be receiving a letter in the mail letting me know if I'm eligible for an increase because he pulled my credit. I didn't ask him to do that! I asked to speak with a supervisor. I finally received someone on the line from America but she was plain rude. It was Lisa from the Virginia office, Id # WXW728. I explained what happened each time I called because she said the agents do not memo the account!!! Only supervisors can! That is the most horrible thing I've heard, so basically every time I call, that's why everyone is confused and has no idea of the ordeal I went through with the previous person. She then asked why I called so many times?! I was furious she asked me that, in a rude manner as well. I told her because I kept getting incorrect information every time I call, it's a different answer. I couldn't believe she asked me that. I told her this was customer service and I should be able to call as many times as I want. I asked to speak with her supervisor or manager and she said that she doesn't take calls. She told me I will receive the increase in November. I'm not even upset the increase will take so long. I am upset nobody knows what is going on with your account over there, each person I spoke with should have known about my offer so it would not have had to go to a supervisor in the first place. And even when it did get escalated the supervisor should have not had an attitude that I was looking for her customer service assistance.

Review by tfnyrogers
Commented at Sep 6, 2014

I first had the Capital One Platinum Master card.  I wanted the benefits of the rewards of the Quicksilver Visa.  I have a Credit Karma credit score of 795.  The online application process was quick and easy.  I received the card in about 7 business days.  I have started to use the card for just about every purchase to try to get the most cash back rewards possible. 

Review by jkm1508
Commented at Aug 23, 2014

Hands down the best rewards program because they provide detailed breakdown of earned cashback and you can redeem cashback without limits (Even 60 cents).

The problem however is with the company and it's ultra super king-size freaky conservative policies. I have cards with 12k+ limits. 760+ FICO score. But Capital one keeps me at $2000 limit. I pay in full (statement balance) every month but when I use more than 30% (which is very easy to reach considering my low limit) in a statement period, it begins affecting my usage in my credit reports even when I pay the statement balance in full. I need a bigger limit and showed them that I'm responsible but they do not budge.

Review by prashu
Commented at Aug 13, 2014

Got approved no problem with a 710 from credit karma. 10,000 credit limit. spend 500 within 3 months and get a 100 bonus. Thats easy, just pay a couple of bills with it and then pay it off seeing its 0% for a year. 

Review by Anonymous
Commented at Aug 9, 2014

I have this card, but oddly CK says I have a poor chance of getting approved. I just applied about two weeks ago in response to a mail offer. Application was quick and easy and I got a limit of $3000. I had a CK score at around 630 before getting this card but discover was showing my TU at around 680, 3 inquiries (1 of them was my Chase freedom which was 3 months prior), annual income 39000, current debts totaling around 32000 (mostly student loans), no late payments but extremely high usage on muy cards due to not mangaging myself properly.

Higher cash back percentage than my chase and higher starting limit.

I like it so far, but I plan to either keep a low balance or do a balance transfer, i havent decided yet.

Review by bstclare

Credit Limit

If approved for the card, the issuer will notify you of the credit limit on your card. Please see the Capital One® Quicksilver® Cash Rewards Credit Card for complete terms, conditions, and details of the offer.

+ This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.