Capital One Quicksilver – How To Apply
The Capital One Quicksilver Credit Card earns cashback on every purchase, with no rotating categories or spending limits.
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With a flat-rate cashback program, no annual fee, and a sign-up bonus, it’s designed to provide consistent rewards on all purchases.
Whether you’re a frequent shopper, traveler, or just looking for a simple way to earn rewards, this card offers a straightforward way to earn cashback while enjoying other valuable benefits.
Capital One Quicksilver
No Annual Fee Requires Good CreditHow does the Capital One Quicksilver Credit Card work?
The Capital One Quicksilver Credit Card is designed for simplicity and flexibility, offering a flat cashback rate on every purchase. Here’s how it operates:
- Earning Rewards: With the Capital One Quicksilver card, you earn unlimited 1.5% cashback on every purchase, with no categories to track or activation required. Whether you’re buying groceries, gas, or making an online purchase, you’ll earn cashback on all eligible purchases.
- Sign-Up Bonus: New cardholders can earn a one-time $200 cash bonus after spending $500 on purchases within the first 3 months of opening the account. This bonus can be redeemed as a statement credit, making it a nice perk for new users.
- No Annual Fee: The Capital One Quicksilver card has no annual fee, which means you don’t have to worry about additional costs eating into your cashback rewards.
- Easy Redemption: Cashback rewards can be redeemed as statement credits, gift cards, or for travel purchases, making it easy to use the rewards you earn.
Main benefits of Capital One Quicksilver Credit Card
The Capital One Quicksilver Credit Card comes with a number of benefits that make it appealing to everyday spenders and those looking for a simple rewards program:
- Unlimited 1.5% Cashback: Earn unlimited 1.5% cashback on every purchase, with no rotating categories or spending limits. This makes the card ideal for people who want an easy and consistent way to earn rewards.
- Sign-Up Bonus: Receive a $200 cash bonus when you spend $500 within the first 3 months of opening your account. This is a great incentive for new cardholders looking to earn some extra cashback.
- No Annual Fee: The card has no annual fee, which means you keep all the cashback you earn without having to pay extra costs to use the card.
- Flexible Redemption Options: Redeem your cashback as a statement credit, for gift cards, or on travel purchases, offering flexibility in how you use your rewards.
- 0% Introductory APR on Purchases: For new cardholders, there’s a 0% introductory APR on purchases for the first 15 months, making it easier to finance larger purchases without paying interest (after which a variable APR of 20.99% – 28.99% applies).
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Cons of Capital One Quicksilver Credit Card
While the Capital One Quicksilver Credit Card offers many advantages, there are a few drawbacks to consider:
- High APR After Introductory Period: After the 0% introductory APR period ends, the regular APR can be quite high, ranging from 20.99% to 28.99% (variable). This can lead to significant interest charges if you carry a balance.
- Foreign Transaction Fees: The Capital One Quicksilver card charges a 3% foreign transaction fee, which could be a downside for frequent travelers looking for a card without extra charges when shopping abroad.
- No Bonus Categories: Unlike some other cashback cards, the Capital One Quicksilver doesn’t offer higher cashback rates for specific spending categories like dining or travel. If you’re looking for a card that rewards specific purchases more heavily, you might want to explore other options.
APR and Fees
The Capital One Quicksilver Credit Card offers a 0% introductory APR on purchases for the first 15 months, giving cardholders a chance to carry a balance without paying interest.
After the introductory period, the APR increases to a variable rate between 20.99% and 28.99%.
Cash advances are subject to a high APR of 26.99%. There are no annual fees, but there is a 3% foreign transaction fee, which could make it less ideal for international use.
How to apply for the Capital One Quicksilver Credit Card
Applying for the Capital One Quicksilver Credit Card is quick and easy. Here’s how you can do it:
- Visit the Application Page: Go to the official Capital One website.
- Provide Your Information: You’ll need to submit personal details, such as your name, address, income information, and social security number to determine your eligibility.
- Review the Terms: Before submitting your application, make sure you understand the card’s interest rates, fees, and rewards structure.
- Submit Your Application: After reviewing all details, submit your application. If approved, you’ll receive your Capital One Quicksilver Credit Card and can start earning cashback on every purchase.
