Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card Sponsored Card
Required Credit Score: Excellent, Good
4 1367 reviews   Write a Review!
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Capital One® Quicksilver® Cash Rewards Credit Card's Rewards

Bonus
$100
Base Earn
1.5%
Max Earn
1.5%
Earn / Redeem Limit
No
  • 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.
  • Redeem the cash back you earn for any amount, any time.
  • Your cash back doesn't expire.

Capital One® Quicksilver® Cash Rewards Credit Card's Key APRs & Fees

Intro Rate on Purchases
0% until January 2015
Intro Rate on Transfers
0% until January 2015
Regular Rate
12.9% - 22.9% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER FEE 3%

Capital One® Quicksilver® Cash Rewards Credit Card's Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   None
  • MAX PENALTY APR   29.4% (V)
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE RATE 24.9% (V)
  • CASH ADVANCE FEE 3% (min $10)
  • FOREIGN TRANSACTION
    FEE  
    None
  • 0% intro APR on purchases and balance transfers until January 2015.
  • No annual fee.
Apply Now
at Capital One's
secure site

Capital One® Quicksilver® Cash Rewards Credit Card Reviews

 
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3.8
Overall Rating: 3.8 / 5
Total Ratings: 1367
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Mar 15, 2014
Photo of Ricky C.
4
By:
I have been using this card for many months and I love it. The best part is the rewards as I use this card mostly during the holidays to pay for gifts. With all the purchases they do add up. Plus the low rates have helped me build my credit as cards I had in the past always seemed to try and raise them every few months, making it harder to keep up with the payments.
Feb 26, 2014
Photo of Teddy B.
5
By:
Capital one is the card for me i've recently lost my job and bills were piling up. I am able to use my card to get back on track until i can find another job thanks
Feb 25, 2014
Photo of Jaye G.
4
By:
I applied for this card as soon as I turned 18 and have had it for just over 4 months now. I LOVE IT! I earned my $100 bonus reward in the second month because I'm a shopaholic! lol! The best things about this card are the LOW APR and the ABSOLUTELY ZERO annual fee, unlike some other cards I had once. Thanks Capital One!!
Feb 25, 2014
Photo of Jenny T.
5
By:
I love this card! I applied straight out of high school and was accepted no problem. Capital one has always been great to me, and takes care of any of my concerns. They are super easy to call and you can redeem the rewards right from their app. Overall 5/5!
Feb 25, 2014
Photo of Rich M.
5
By:
No foreign transaction fees and a base 1.5% cashback on every purchase. The card is basically perfect for every day, non-categorical spending. It's my main card for every day purchases. The only downside is the lame initial sign up bonus-- but that's a minor problem if you're not in it for the churning.

A wonderful every day card.
Feb 21, 2014
Photo of Chrysann S.
4
By:
The only reason I didn't give this 5 stars is because I've only had it for a year, so I don't think I've fully experienced all of their services! I absolutely LOVE this card. There are no foreign transaction fees, it's a Visa so it's accepted all over the world (great for traveling!), and the best part: you earn 1.5% cash back on everything no matter what you purchase. I put everything on my credit card (including rent) so in a given month, I earn about $30. That pays my water bill. :) I love the customer service too. I have called a few times about small issues (related to more
Jan 29, 2014
Photo of Suzanne C.
5
By:
This card looks like an awesome way to repair credit and earn some cash back. Capital One is a fabulous company for repairing credit or starting it. When I was a student they were the only credit company to take a chance on me. This is an awesome card with a decent interest rate and 1.5% cash back. The Capital One Quicksilver Cash Reward Card is worth applying for to have no annual fee and an opportunity to build/rebuild credit. I'm definitely a fan.
Dec 21, 2013
Photo of Joshua R.
4
By:
This was a great little card for me. Though they initially say they give a $100 bonus, I ended up receiving a $250 bonus on mine. The interest rate is a bit high, but that's probably due to my credit, which is still being rebuilt. The rewards are nice. I'm surprised by how quickly I accumulated rewards, which I could either put back onto the balance, or redeem with gift certificates. I just went ahead and reapplied them to the balance and began accumulating them again. Very nice card, I must say.
Feb 10, 2014
Photo of Gemma R.
Gemma Russo
How did you receive $250 instead of $100 for the bonus? I was just approved and was curious to know how that happened. Lucky you! :)
Dec 16, 2013
Photo of Jeff G.
4
By:
I really like this card. $100 after only spending $500 in the first 3 months is a nice little bonus. I like the fact that you know you get 1.5% back on everything you spend. You don’t have to try to figure out what you should use the card for because you get the same amount regardless of what the purchase is. It has a decent rate available and you can’t beat the 0% introductory rate. It is also nice to see that you don’t have to wait for specific times or amounts before you are able to redeem your cash back. It is also great that you don’t ever more
Dec 2, 2013
Photo of Stephen W.
5
By:
I went through bankruptcy sometime ago and was pretty much trying to rebuild my credit. Bankruptcy was in January of 2013. I decided to try for this Capital One QuickSilver card after seeing some get limits of $1000 to start.
After going through the process, I was granted the card with a $3,000 limit.
Customer service is great, and they even called to make sure I got the card.
Very nice people and want to help answer as many questions as you have.
Nov 26, 2013
Photo of Dennis W.
4
By:
I have had the Capital One quicksilver rewards card now for about a year. The Interest rate is kind of high right now because my credit is not good. However the 0% interest for the first year is awesome. There is no annual fee and the rewards are pretty nice. I have reversed several charges in the last year that has saved me about $100. Not to mention the savings on the 0% interest. Customer service is not bad to talk to and try to help you out if they can. The down side of the card is the transfer fee of 3% and it is not included in the more
Nov 14, 2013
Photo of Doug M.
4
By:
I got this card because of it has a really good initial bonus, and I hate the idea of getting a reward credit card and having to spend for a very long time before seeing any kind of benefit. The interest rate is very reasonable and most importantly no annual fee. The card does require a pretty good credit score, so that might make it hard for some people to obtain it.
Nov 14, 2013
Photo of Ramy E.
5
By:
I chose this Capital One Quicksilver credit card because it is good for those who have established a good credit and want to get an excellent one, which is my case. Another main deciding factor is the good cash back the card provides (1.5%). Additionally, the card has low fees and a reasonable interest rate. Moreover, I like the online credit card support of Capital One, as a person can do an online chat with the customer service anytime. My overall experience about this card is excellent.
Nov 1, 2013
Photo of George S.
4
By:
I have really liked this card ever since I signed up. The Capital One Quicksilver Cash Rewards Credit Card customer service people are really helpful when I have a question about my statement. Our interest rate is reasonably low, and the payments are very reasonable for us. We haven't had any late fees so far so I'm not sure about how the high fee works. So far we have really had an enjoyable experience using this card. If you are in the market for a new credit card, then make sure you check out The Capital One Quicksilver Cash Rewards Credit Card. You won't be disappointed.
Oct 22, 2013
Photo of Tonio S.
4
By:
I personally love the Capital One Quicksilver Cash Rewards Credit Card because of the perks you get in return. The $100 bonus is a great reward for using the card. I was able to procure a great television stand with that bonus after buying a new television. The low interest rates makes this card a winner.
Oct 11, 2013
Photo of Alex S.
4
By:
I like the Capital One Quicksilver Cash Rewards Credit Card a lot. Customer service has always been excellent with them. I like being able to see my statement online. Also, I got $100 free for opening up with them which was great. I also love the low interest rate and the cash back rewards it has set up.
Oct 10, 2013
Photo of Teanna H.
4
By:
I got the Capital One Quick Silver card a couple of months ago and so far so good. I bought a new house recently, so needed to use it on several appliance purchases. The card is great for rewards, because I got a $100 bonus, just for spending the money on it right away. I am very good with keeping up with all my purchases so there is not much of a problem with the APR. The late fee is a little high at $35, but I haven't had to deal with any of that. I also like that whatever I do rack up in cash backs they never expire. more
Sep 16, 2013
Photo of DA H.
5
By:
I've had my Quicksilver card for about three months now. I really enjoy the simplicity of a straight 1.5% back in all categories, rather than the rotating categories that seem to be common on all of my other cards. I originally signed up for the $100 bonus, and was pleasantly surprised when it was instantly credited the same day I hit the spending total. Additionally, the transactions post almost instantly to the web site, allowing me to monitor my spending more easily. Both of these items are a stark contrast to my Freedom card with Chase that still hasn't credited me despite having fulfilled their spending terms last month. The more
Sep 6, 2013
Photo of Kyle S.
5
By:
This card was a godsend to me. Low interests plus cash back? yes please!
Aug 19, 2013
Photo of Michael H.
5
By:
I just received my Capital One Quicksilver cards in the mail. I actually have two of them. This is the replacement for Orchard Bank cash rewards as many of you may know, Capital One bought out Orchard Bank. I am extremely happy that there is no annual fee while I get to keep my same rewards. The reward payout has much better options than most companies as you can cash out any amount at any time by either check or applying it to your account. Overall I am very pleased with this card and would highly recommend them to people who are building their credit.
Aug 14, 2013
Photo of Darrell B.
5
By:
The Capital One Quicksilver Cash Rewards credit card is a must have. I personally use this card and I enjoy the fact that I get cash back on the purchases I make. When I got mine the incentive was $150 for making $500 in purchases within the first 3 months was awesome. Although the incentive is smaller it's still great to keep in mind. I was attracted to this card because there is a 1 month grace period before you begin to gain interest on your purchases and you don't begin accruing interest until you have had the card for 1 year. The interest rates were among the smallest for more
Aug 14, 2013
Photo of Nick M.
5
By:
I love this card because of the fact it has gotten me a low apr of 12.29. I shop with my Capitol One Quicksilver Cash Rewards Credit Card nonstop, so i earn 1.5% back on every purchase. I also got the One-time $100 bonus after you spend $500 on purchases within the first 3 months quickly. It has been a great card since I use it all the time and get money back monthly from it. It quickly adds up!
Jun 3, 2013
Photo of Moises M.
5
By:
Great cash back on purchases, a lot better than the rest of my cards, I have had the Capital One Cash Rewards card for a while now and I have had no problems what so ever. There are other perks and bonuses as well. Customer service has also been extremely professional everything I have had a question. Great card to consider if you are looking for a rewards card.
Apr 26, 2013
Photo of Corey L.
5
By:
I love my Capital One Cash Rewards credit card. I recently signed up for this card after researching all the different kinds of rewards credit/debit cards. This one, according to my calculations, will give you the most cash back for all your normal monthly purchases. It is essentially 1.5% cash back on every purchase (1% + the 50% bonus per year) and they also have perks you can use for in store and online shopping that can give you even more cash back. As long as you pay your bill every month, this is free money in your pocket, so why wouldn’t you use this for ALL your monthly purchases more
Apr 26, 2013
Photo of Romeo G.
5
By:
I have recently been looking for a new credit card and found Capital One to be exactly what I was looking for. The APR interest rate is not as bad as bad as some people make it out to be. There is no annual fees which made it that much easier for me to consider them. The customer service is great and the employees are very helpful with every question you might have. I had no credit score and Capital One has helped me a lot with getting financed with different purchases. I even received $100 cash bonus. Overall, I give Capital One two thumbs up.
Apr 26, 2013
Photo of Adah B.
4
By:
This Capital One Rewards card has been a very decent card for me, it's got rewards and no Annual Fee! What is there not to love. You definitely want a card with no annual fee or you'll be continue to waste money every year into creditors hands. Capital One has been a great company to deal with, they have excellent customer service. I have had a a few disputes in the past and they've credited me very smoothly, they are very easy to talk to over the phone. The only downsides with this card is the APR can be as high as 29.4%, so be sure to pay the balance more
Apr 26, 2013
Photo of Genoveva M.
4
By:
The Capital One Cash Rewards card has been one of my most frequently used cards in my wallet. One of the reasons I would recommend it is because you get 1.5% cash back on all your purchases with no limits to what you can earn and no annual fee to offset all those rewards you'll be making. Capital One also just has great customer service and fraud detection too, where I've disputed claims on my card that were made illegally and they had no problem taking care of it. The Cash Rewards card is definitely one of the highest paying reward cards I've seen without an annual fee, so why more
Apr 25, 2013
Photo of Tess H.
4
By:
I am like lot of people who found themselves in debt right out of school. This card saw me through a lot of difficulties. My credit was not that good, but I had high balances on other credit cards. I wanted to do a balance transfer so I applied for the Capital One Cash Rewards. I was approved. The main reason I chose this was my credit and their 0% interest rate. This really helped me get my payments under control.
Apr 25, 2013
Photo of Dewitt O.
4
By:
I am like lot of people who found themselves in debt right out of school. This card saw me through a lot of difficulties. My credit was not that good, but I had high balances on other credit cards. I wanted to do a balance transfer so I applied for the Capital One Cash Rewards-$100 Cash Back Bonus. I was approved. The main reason I chose this was my credit and their 0% interest rate. This really helped me get my payments under control.
Apr 12, 2013
Photo of Sarah K.
5
By:
I was subject to identity thief pretty early in my life, and that kind of ruined my credit from the get-go. However, I was able to apply for this card and was approved. It wasn't only a great thing that my application was approved, moreover the card has some great benefits! Cash rewards allows me to spend money and get money back just for shopping, it really is a nice perk. The rewards with this card is probably some of the best out there in the market today. I really have enjoyed my experience with this card, and I would recommend it to anyone out there.
Apr 5, 2013
Photo of Gary B.
4
By:
I had bad credit and was trying desperately to restore it. When I opened my Capital One bank account my rep suggested I try to apply for this card. Not only did I get it, but, I got a $250 limit that would increase to $500 after 3 months of on time payments. I paid on time and my limit is now $500. Add the fact that I earn cash rewards and don't get charged ridiculous interest and this ended up being the first solid decision I've made in a while. If you want a chance at getting on track, try Capital One, they truly do all they can to make you experience wonderful.
Apr 5, 2013
Photo of Lois H.
4
By:
I was really credit challenged for quite some time. I started rebuilding my credit. At that point my credit was not stellar to say the least. I applied for a Capitalone secured card and was approved for card with a 200.00 credit line with a security deposit of $49. I made timely payments and received a credit limit increase within 5 months. At that point I applied for the rewards card and was approved for a credit card with a $500 credit limit. I have had my rewards card for about a year and I have received two credit limit increases. My current credit limit on my rewards card is more
Apr 5, 2013
Photo of Heather M.
5
By:
I got this credit card recently, and I already love it! I've had a credit card from another bank for years now and have been happy with it, so I wasn't expecting to find a card that I liked even better - but I did! One of the things that I REALLY like about my new Capital One Cash Rewards card is that rewards are constantly being updated, and you can withdraw any amount at any time. With my previous credit card, I had to wait until each billing cycle closed in order to find out how much I had earned in rewards, I had to have a minimum of more
Apr 5, 2013
Photo of Sheryl P.
4
By:
Capital One has always been the easiest company to deal with for credit cards for me. I have had several versions of Capital One rewards cards (no hassle rewards, venture, etc.) and the Cash Rewards card is my favorite. I love not having to pay an annual fee, and the cash back rewards are nice. As others have said before me, you really have to think of it as a 1.5% cash back card even though the bonus points come at the very end of the year. Some people want their points now, and are willing to take a reduction in points because of that. But if you can wait more
Mar 21, 2013
Photo of Vana R.
5
By:
Have been a capitol one user since I turned 18- It was actually my very first credit card. Now, 10 years later, I applied again for this card. The main appeal to me was the no annual fee. I have not been utilizing my rewards on any of my cards as much as I can, so the other main appeal was the rewards. Capitol one seems to have a good grasp on the balance between keeping customers happy and a good program with high yield. When I joined, there was some sort of bonus, which was nice, and I think they gave me an extra $100.00 or $200.00. In General, more
Mar 14, 2013
Photo of Jamal K.
5
By:
I have gone through many a credit card, but my Capital One Rewards card has always been by my side. There are quite a few worthwhile benefits to having it, and the fees associated with the card itself are not at all extravagant. Though the credit increases are infrequent (only at 2000$ after 3 years) I have never had an issue with them. Always an on time paying customer, and have used the cash back feature so many it's crazy, in addition to a few perks. There's no other card on the market I rely on as much as my Rewards card.
Mar 13, 2013
Photo of Carrie L.
1
By:
WARNING! Please do not obtain or do business with Capital One. Please do your research about C1. They are rated the worst credit card company. They are deceptive and becoming so large that they follow only their own rules. Please read reviews on this, soon to be monopoly of a credit card company. Do not do business with Capital One. Before applying do some research about their various lawsuits and deceptive business practices. Look at their ratings and how they slide in fees and raise rates. You will regret it.
Mar 24, 2013
Photo of Card H.
Card Hub
Hi Carrie! Did you have a particularly bad experience with Capital One?
Apr 11, 2013
Photo of Michael J.
Michael Jacobs
I suppose some of the other Credit Cards for people with average credit are much better, such as their $99.00 dollar annual fee and 49.99%APR. Please suggest the Gold mine card you've found and share it with all of us, insteading of putting out disinformation.
Mar 1, 2013
Photo of David K.
5
By:
I recently added this card to my wallet after being a Capital One user for years. I have been using the Venture One card which is great for 1.25% back, but the extra.25% back on the No Hassle Cash Rewards card really sold me on this one. You just have to get over the mental hurdle that you get that extra.5% back in the end of the year as one lump sum of rewards. I am not sure what my interest rate is, but it doesn't even matter because I pay it off every single month. Capital One was also very generous with giving me a $10,000 limit too! With more
Mar 27, 2013
Photo of Harlan C.
Harlan G. Campoverde
Hi David, you said you got a $10,000 limit. This was the No Hassle Card correct? Also, what was your FICO when you applied if you don't mind sharing. Would you mind sharing with me a range of FICO if you are not comfortable sharing your real one. Appreciate your response. Chirag.
Apr 5, 2013
Photo of David K.
David Kauffman
Hi Chirag Shah ! My FICO was 790ish when I applied, at least that was what it was last time I had my credit pulled around when I signed up. Capital One is just really easy going about upping my limit too, which is probably because I literally put everything on this card and pay it off every month. I bought a house and called them up and basically said "Hey, buying a house and will be buying a ton of stuff, and don't want to show that I'm maxing out my credit utilization so can you increase my limit?" and they bumped it up to $15,000. Meanwhile Amex won't more
Apr 18, 2013
Photo of Tristan L.
Tristan J. Lint
Hi David Kauffman , Thank you so much for the reply. That was much helpful.
Feb 11, 2013
Photo of Cody L.
5
By:
The Capital One Cash Rewards is simply the best cash back credit card I have ever owned. It rewards me for every dollar spent by me. Although it gives 1% cash back on all my purchases, the fact that it also offers 50% bonus on the cash back earned by me every year, eventually makes it 1.5% cash back on all my purchases. Upon signing up for this card I was entitled to $100 cash back after I spent $500 during the first 3 months which was very achievable. The cash back feature does not expire and there is also no limit to the cash back I can earn. You more
Feb 11, 2013
Photo of Hoa S.
4
By:
I have had this card for a little over a year, and for my first real credit card I really don't have any complaints. Depending on what your shopping habits are, you may find other cards to have higher rewards, but I wanted to keep it simple and this card gives me 1.5% back across the board. Some people may also say the interest rate are high, but I don't carry a balance, so that doesn't mean much to me either. If you are looking for a simple card to build your credit and earn rewards while not paying an annual fee this is the card for you!
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Mar 10, 2014
Photo of Mark B.
By: Mark Barrett
What's the fee for taking money out at an atm?
Mar 11, 2014
Photo of Card H.
Card Hub
When you withdraw money at an ATM using the Capital One Quicksilver Cash Rewards Card you will be charged 3% of the amount you have withdrawn. Also, the APR for money taken out at an ATM is higher than the regular APR. For this particular card it is at 24.9%.
Editor's Pick

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Last updated on: Apr 15th, 2014 at 8:27 EDT