The
Capital One Quicksilver Cash Rewards Credit Card is a very good everyday rewards card for people with
good credit. Based on WalletHub’s analysis of 1,500+ credit card offers the Quicksilver Card is worth considering thanks to benefits that include a
$0 annual fee, an intro APR, and rewards of
1.5 - 5% cash back on purchases. Those features are all above-average.
In addition, the Quicksilver Card has a
$0 foreign transaction fee and a nice initial rewards bonus:
$200 for new cardholders who spend
$500 within
3 months of opening an account.
As a result, if you want a low-maintenance, low-cost rewards card, the
Capital One Quicksilver Credit Card is one of the options that WalletHub recommends. Below, we’ll summarize the main factors to consider before submitting a
Capital One Quicksilver Card application.
Capital One Quicksilver Review Highlights
$200 Initial Bonus
The
Capital One Quicksilver Card’s
$200 initial bonus is one of the easiest initial bonuses to earn, despite not being among the biggest available. All you have to do is spend at least
$500 within
3 months of opening an account. That works out to 40% cash back, which isn’t too shabby at all.
$0 Annual Fee
The Quicksilver Card’s
$0 annual fee saves you around
$21.58 per year compared to the average credit card. You won’t feel pressured to use your Quicksilver Card just to break even, either.
$0 Foreign Fees
Like all other Capital One credit cards, the Quicksilver Card does not charge foreign transaction fees. That’s one reason it’s among 2024’s
best credit cards for international travel, according to WalletHub’s editors.
0% Intro APRs
Capital One Quicksilver currently offers intro APRs of
0% for 15 months on purchases and balance transfers to new cardholders. The period is longer than average for a 0% credit card offer on both counts, according to
WalletHub’s Landscape Report. The Quicksilver Card's regular APR is
19.99% - 29.99% (V). There is also a balance transfer fee of
3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time.
1.5 - 5% Cash Back on Purchases
The
Capital One Quicksilver cash rewards rate of 1.5% cash back on all purchases is well above average. It's also simple and straightforward. You don’t have to worry about rotating bonus categories, earnings limits or other rewards trickery with the
Capital One Quicksilver Card. On top of that, cardholders earn
5% cash back on hotels and rental cars booked through Capital One Travel.
Good Credit or Better Recommended
If you don’t have the
good or excellent credit to apply for the standard Quicksilver Card – find out by
checking your latest credit score for free on WalletHub – you may still be able to join the
Capital One Quicksilver family. The
Capital One QuicksilverOne Cash Rewards Credit Card is available to people with limited or fair credit.
Finally, it’s always a good idea to read some user reviews before getting a new product. And you can see what the people think of
Capital One Quicksilver below, following the answers to a few key questions common among Quicksilver cardholders and applicants.
Capital One Quicksilver Ratings by WalletHub Editors
Category | Rating |
Cash Back | 4.5 / 5 |
Customer Experience | 4.9 / 5 |
Introductory Offer | 4.6 / 5 |
Net Value | 4.4 / 5 |
Learn More About Capital One Quicksilver
Capital One Quicksilver international fees
The
Capital One Quicksilver Card does not charge international fees. No Capital One credit cards do. Using a credit card with no international fees such as
Capital One Quicksilver for purchases made abroad, rather than converting hard currency, can save you up to 9% on international spending, according to WalletHub's analysis.
Capital One Quicksilver grace period
Capital One Quicksilver has a grace period of 25 days. The Quicksilver Card’s grace period runs from the end of each billing period to the due date. No interest will be assessed on balances during that time, provided the cardholder always pays the balance in full by the due date.