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 purchases until August 2015; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until August 2015, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
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709
average
654
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-until August 2015* 0%-unti August 2015* 12.9%-22.9%* Variable $0* Excellent Credit*
Intro APR Purchases 0%-until August 2015*
Intro APR Balance Transfer 0%-unti August 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 178 user ratings.
Commented at Oct 27, 2014

Capital One sent me an offer in the mail for the Quicksilver card. After checking the features and benefits, I enrolled, got approved within a week and got my Quicksilver within 2 weeks with $3000 limit (TransUnion 739; Experian 723). I really like the free credit score I get from TransUnion every month with this card and I love the benefits and the 1.5% instant cash back.
I've had the Quicksilver for 2 weeks, spent $1800 in the new card and already got $24 cask back, before my first statement. I've quit using my AMEX Blue Sky (I can get 1.4% max cash back from traveling and max 1% cash back on all other purchases), which I get once the billing statement is available once a month. Plus I need to get points with AMEX and I cannot really use all points, because the cask back comes in denominations of $25 or $50 depending on the points that I have. For instance, I currently have 9.338 points on my AMEX. 

The direct cash back option gives only $50 (two $75 denominations) for 7,000 Blue Sky Points (ridiculous 0.71% cash back)The travel redeeming option shows: With 9,338 points, you can receive up to $100 in savings. 

This means that I can redeem an eligible travel purchase (air ticket, car rental etc.) of $100 or more to get back $100, which will cost me 7,500 points (this is 1.333% cash back). See what I mean? Why even use AMEX? Quicksilver gives me 1.5% cash back on everything, whenever I want and I get all the cash back, not these silly limits of $25 denominations once a month! Ok, my AMEX limit is $7,500 (versus $3,000 with Quicksilver), but I am a brand new user. I believe Capital One will double my credit limit within 3 or 6 months. Besides, I still use my Platinum Rewards MasterCard from my Credit Union which I've had for 4 years, because I get 2% cash back on groceries and 3% on gas. 

Bottom line: my advice to y'all is to check the cash back programs the various cards offer. You may wanna get a card first to experience how friendly and comfortable you are with the online banking websites and customer service. I haven't had any customer service issues, with AMEX, Capital One or MasterCard; they were all great, polite and helpful. Yet, I find the Capital One website the most user-friendly compared to AMEX and MasterCard.

I have settled now with MasterCard for groceries and gas and Quicksilver on everything else and I love my Quicksilver!

Review by Anonymous
Commented at Oct 26, 2014

I am 20, i have a 675 credit score according to CK amd have one amazon store card.  I wamned a regular card so i could buy things off of amazon.  Applied with that score amd $30k income and recieved a $1000cl.  No interest for a year what could be better?

Review by splice247
Commented at Oct 14, 2014

LOVING this card so far! Rewards are easy to gain, and the online system is helpful with managing the account. I have one account with cap1 already for over 9 months. Credit karma reported that I have a poor chance of approval for the card. They suggested the quicksilverone with very good approval odds.  I received an “exclusive pre-approved” offer in the mail. I waited until the last day before the offer was to expire and applied. Yay!! Approved with a $1000 cl.

Background info: I did not check my true FICO scores before applying. CK reported 639, while Credit Sesame reported 681. Not a very long credit history, only three other credit accounts (1 being a 300 cl secured card, ugh!). I keep low utilization on all cards, and have a 3% dti ratio. Only 4 hard pulls on credit report. Also before applying I had disputed several items on my credit report, and had at least 9 items deleted (random medical bills) I have two closed accounts from 5+ years ago.

I took a risk with applying for the card; I would not have applied without a pre-approved offer. But glad that I did! So good so far!  

Review by 0K1DZ
Commented at Sep 30, 2014

Nothing stands out about this card. Capital One does not honor the $100 bonus saying that my card is eligible (I saw the signup bonus on website when I filled in my application). Customer service is completely useless, after waiting on the phone for so long. 

Review by Anonymous
Commented at Sep 26, 2014

Originally had Classic Platinum was able to upgrade to Quicksilver Mastercard within 8 or 9 months of original opening of account. They kept credit limit the same, which is $3500, but doesn't bother me. Just happy to be part of the Quicksilver family.

Review by rmonica78

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.