Capital One® Quicksilver® Cash Rewards Credit Card is a no-nonsense, fuss-free cash back credit card that comes with a generous sign-up bonus. This card lets you earn unlimited cash back at a rate of 1.5% despite having no annual fee. On top of its limitless cash back-earning potential, this card also offers a host of solid benefits and perks.
|Credit Card||Features||Intro APR||Regular APR||Annual Fee||Why we like it||We least like||Credit Required||Related links|
Capital One® Quicksilver® Cash Rewards Credit Card
0% intro on purchases and balance transfers for 15 months
15.49% - 25.49% (Variable)
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Here, GET.com provides answers to key questions about how Capital One® Quicksilver® Cash Rewards Credit Card works and what it offers.
Questions And Answers For Capital One® Quicksilver® Cash Rewards Credit Card
Answer: Yes. If you sign up for this credit card as a new cardholder, you will get to earn a one-time $150 cash bonus once you spend $500 on purchases within 3 months from account opening. Once you qualify for the $150 cash bonus, Capital One will see that it is applied to your rewards balance within two billing cycles.
This is a very generous sign-up bonus; most credit cards that offer a $150 sign-up cash bonus typically require that you spend more than $500 within the stipulated timeframe.
Answer: Yes, Capital One® Quicksilver® Cash Rewards Credit Card is a fuss-free cash back credit card that rewards you on all your net purchases, no matter the type or category. This credit card lets you earn unlimited 1.5% cash back on all purchases, so you essentially get to save on everything you spend on including daily necessities, gas, groceries, clothes, dining out and more. We like this feature a lot because it means you never have to bother with rotating cash back categories or think about which type of purchases can bag you some decent rewards.
But of course, certain transactions will not earn you any rewards at all, including credits, returns, balance transfers, cash advances and checks used to access your account. You can redeem your cash back for any amount in the form of a check or a statement credit upon request.
Answer: Not really. As there is no cap to the amount of cash rewards you can earn on purchases, the way to earn more cash back is to charge all your purchases to your Capital One® Quicksilver® Cash Rewards Credit Card whenever possible. This ensures you are not missing out on cash back-earning opportunities. The more you use Capital One® Quicksilver® Cash Rewards Credit Card to pay for your purchases, the more cash rewards you will earn.
Answer: Yes, this credit card offers you a plethora of perks and benefits such as fraud coverage, security alerts and Visa Signature® Benefits the likes of travel upgrades and savings, shopping discounts, extended warranty, emergency card replacement, auto rental collision damage waiver and complimentary concierge service 24/7 from home and when you are traveling.
Answer: No, you do not have to pay to use this credit card as it has no annual fee. So long as you adopt good credit card habits and pay your bills in full every month, the cash back you earn equals pure, real savings.
Answer: Yes, this is definitely one of those credit cards to reach for if you travel frequently or if you shop online from international stores a lot as there are no foreign transaction fees. You will not have to pay a transaction fee when you make purchases outside of the United States, unlike with other credit cards that often charge a 3% foreign transaction fee.
Answer: Yes, consider using Capital One® Quicksilver® Cash Rewards Credit Card if you have big-ticket purchases planned as this credit card offers 0% intro APR on purchases and balance transfers for 15 months. Thereafter, a 15.49% - 25.49% variable APR will apply, depending on your creditworthiness. If you are going to transfer existing balances to your Capital One® Quicksilver® Cash Rewards Credit Card, keep in mind you will be liable for the balance transfer fee of 3% of the amount of each transfer that posts to your account within the first 15 months.
Answer: Absolutely not. You pay a lot to get cash because it has a 25.49% variable cash advance APR. With each cash advance that you make, there is also a cash advance fee that you are liable for. Capital One® Quicksilver® Cash Rewards Credit Card has a cash advance fee of either $10 or 3% of the amount of each cash advance, whichever is greater.
Answer: No, your cash rewards do not expire as long as your account is open, active and in good standing. This perk is great because you can take your time to spend, accrue rewards and redeem without worrying about them vanishing into thin air.
Answer: Yes, you will be penalized with a late payment fee of up to $39 if you pay late.
Answer: Unfortunately, you cannot. This credit card is reserved only for those with excellent credit to boot. If you do not have excellent credit, it is advisable that you look for an alternative cash back credit card because getting rejected by the bank can hurt your credit.
Answer: No, you do not get access to your credit score with Capital One® Quicksilver® Cash Rewards Credit Card. Be that as it may, it is important that you keep track of your own credit and work to improve your score if necessary.
Answer: Capital One® Quicksilver® Cash Rewards Credit Card is a fantastic, easy-to-use cash back credit card for people with excellent credit. This credit card lets you earn 1.5% cash back on all your purchases, and that includes pretty much every single thing under the sun. There is no limit to how much cash back you can earn, your cash rewards do not expire and it has no annual fee. If you travel fairly regularly for business or pleasure, you will appreciate the that it has no foreign transaction fees but instead offers a slew of travel-related benefits.
More about Capital One® Quicksilver® Cash Rewards Credit Card:
Read Our Capital One® Quicksilver® Cash Rewards Credit Card Review
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