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Fast Take: With no annual charge, the Capital One Quicksilver bank card presents cashback rewards and an introductory 0% annual proportion fee for 18 months on all purchases. You want a wonderful credit score rating to qualify, so this card is just not for everybody, but it surely’s an incredible decide for avid vacationers who wish to earn cashback rewards as a result of there are not any international transaction charges.
- Cashback Rewards
- Charges
- Welcome Bonus
- Account Advantages
How did we calculate this?
Execs
- 1.5% limitless money again on all purchases
- No international transaction charge
- No expiration on rewards
- 0% intro APR for 18 months
- Rewards might be redeemed for money
Cons
- Requires a wonderful credit score rating
- No bonus classes to extend reward earnings
About Capital One Quicksilver Credit score Card
The Capital One Quicksilver bank card is offered solely to folks with glorious credit score scores. Its wide selection of cardholder advantages and perks makes it a very good choice for individuals who qualify.
Right here’s the way it does when it comes to rewards, charges and different essential elements.
Cashback Rewards
Cardholders can earn limitless 1.5% money again daily. Not like different playing cards that restrict money again with buy eligibility necessities, the Capital One Quicksilver bank card rewards each buy.
You’ll be able to redeem your Capital One rewards for money or an announcement credit score, or use them with PayPal and apply them at hundreds of thousands of e-commerce shops or use them to pay in your Amazon purchases. In addition to purchasing perks, you additionally get entry to VIP live performance and sporting occasion tickets, five-star meals and different experiences.
A slight shortcoming of the limitless 1.5% cashback providing is that you simply don’t get any bonus rewards in particular classes, akin to eating, journey or leisure. Somewhat, you earn the identical low cashback fee on each buy.
Charges
There’s no annual charge for the Capital One Quicksilver bank card. Furthermore, new members get pleasure from 0% APR for 18 months on stability transfers and purchases — longer than the usual 12 months.
After this era, there’s a 14.99% to 24.99% variable APR. There’s additionally a 3% charge on any quantity you transferred inside the first 18 months of opening your account.
Though the low intro APR and no annual charge are enticing perks, the excessive commonplace APR and switch charge make this card comparatively costly when you carry a stability.
For vacationers who use their bank cards outdoors the U.S., the dearth of international transaction charges might make the opposite charges price it.
Welcome Bonus
New cardholders get one-time $200 money bonuses after spending $500 on purchases inside three months of opening their accounts.
Account Advantages
Listed below are some account advantages that make Capital One Quicksilver appropriate for individuals who want their bank card to do extra than simply pay for issues.
- Journey Help: Cardholders obtain 24-hour journey help. In case your card will get stolen or misplaced throughout journey, Capital One will present an emergency alternative together with a money advance.
- Complimentary Concierge: Capital One Quicksilver cardholders get customized and complete help with journey, leisure and eating plans all year long. Nonetheless, this service is offered just for choose retailers and is topic to service provider phrases and circumstances.
- Journey Accident Insurance coverage: If you buy a fare along with your Capital One Quicksilver bank card, you robotically qualify for insurance coverage that covers journey accident-related losses at no further expense.
- Buying: Capital One’s designated on-line purchasing software might be added to your Chrome browser as an extension and can robotically apply out there coupon codes to your order. The software additionally reveals the very best costs out there for any product on high retailers’ web sites. All that you must do is seek for the product straight or scan the product’s barcode. It retains observe of the objects you’ve beforehand bought and considered and can provide you with a warning within the occasion of a value drop.
Extra Options
Aside from rewards and bonuses, this bank card presents another notable advantages.
Eno
Eno is Capital One’s digital assistant. It displays cardholders’ accounts 24/7 and sends immediate notifications if it detects one thing is fallacious. Together with maintaining a tally of any uncommon expenses to the cardholder’s account, Eno additionally helps observe spending.
It sends helpful insights about recurring expenses and free trials that may be capable of prevent cash. You need to use it to:
- Request an outline of your accounts
- Pay your payments
- Verify your stability
- Lock or unlock your account
- Get solutions to your account-related questions
Eno will even inform you jokes when you ask. The digital assistant is offered on the Capital One cell app and might ship you notifications by e-mail. You can also attain Eno by means of Capital One’s desktop browser or by textual content.
Safety
Capital One has notable safety features that make its playing cards even higher for vacationers, together with:
- Safety Alerts: Eno sends you a safety alert when there’s a suspicious transaction in your card.
- $0 Fraud Legal responsibility: In case your card is reported stolen or misplaced, you’re not responsible for any transactions made on it.
- Card Lock: You’ll be able to lock your card by means of the Capital One cell app whether it is stolen or misplaced.
- CreditWise: You get computerized alerts from TransUnion and Experian when your credit score report adjustments.
Good To Know
The Capital One cell app is your one-stop store for all card-related actions. You’ll be able to handle your account from wherever on the earth, pay your invoice, make transactions and think about your stability. The app is built-in with CreditWise, so it’s also possible to keep updated on any adjustments to your credit score rating. The power to log into the cell app with facial recognition ensures that nobody else will be capable of entry your monetary data.
Who Ought to Get Capital One Quicksilver?
The Capital One Quicksilver bank card is finest for folks with excessive credit score scores who prefer to journey. The Capital One purchasing software, coupled with the cardholder’s capability to use earned rewards to purchases on Amazon and PayPal, makes it splendid for web shoppers.
As a result of it doesn’t have any international transaction charges and presents 24-hour journey help, it might even be a very good decide for college students learning overseas or individuals who take frequent enterprise journeys.
How Does the Capital One Quicksilver Credit score Card Stack Up?
Wells Fargo Energetic Money Card
In comparison with the competitors, the Capital One Quicksilver bank card is spectacular. Nonetheless, when you’re in search of greater cashback rewards, chances are you’ll wish to take a look at the Wells Fargo Energetic Money Card.
It provides limitless 2% cashback rewards on all purchases and has no annual charge. It presents a 0% intro APR for 15 months, which is inferior to the 18-month supply by Quicksilver.
One downside of this card is that you need to spend $1,000 within the first three months to get a $200 welcome bonus, whereas that you must spend simply $500 to get the identical bonus with Capital One Quicksilver.
Capital One Quicksilver’s flat supply of 1.5% money again on each buy is sweet for individuals who spend uniformly throughout buy classes, but it surely’s not essentially the best choice for cardholders who may spend extra on issues akin to gasoline or eating out.
American Specific Blue Money On a regular basis Card
Should you principally use your bank card for division retailer purchases and groceries, you must take a look at the Blue Money On a regular basis Card from American Specific. It presents 3% money again on as much as $6,000 in grocery purchases yearly, with 1% money again after that. Plus, you get 2% money again on gasoline and purchases from choose US department shops.
Chase Freedom Limitless Credit score Card
Should you primarily use your bank card for journey functions, the Chase Freedom Limitless bank card is one you must contemplate. You’ll be able to earn 5% money again on journey and three% money again on eating, together with takeout.
Like Capital One Quicksilver, the Chase Freedom Limitless card awards a $200 bonus after spending $500 within the first three months of opening your account. It additionally has no annual charge and presents 0% APR for the primary 15 months.
US Financial institution Money+ Visa Signature Card
If you wish to get 5% money again on the 2 classes of your alternative, the US Financial institution Money+ Visa Signature Card needs to be your go-to.
You get 5% money again on lodges, pay as you go airfare and automotive reservations if you guide by means of the Rewards Journey Middle and 5% money again on the primary $2,000 you spend every quarter on the 2 classes of your alternative. There is no such thing as a annual charge, and also you get a 0% intro APR for 15 months.
Is Capital One Quicksilver Proper for You?
The Capital One Quicksilver bank card is likely one of the finest rewards bank cards on the market because it presents a flat 1.5% cashback reward on all purchases. You’ll be able to redeem your rewards for purchases by means of Amazon and PayPal, which provides you the freedom to buy nearly wherever.
The cardboard’s safety features and Eno assistant make it straightforward to make use of whereas defending you from theft and fraud.
The Capital One Quicksilver bank card might be best for you when you use your playing cards for a wide range of purchases, journey regularly, examine overseas or have a excessive credit score rating and wish to get pleasure from a 0% intro APR.
Editorial Word: This content material is just not offered by Capital One. Any opinions, analyses, evaluations or suggestions expressed on this article are these of the writer alone and haven’t been reviewed, authorised or in any other case endorsed by Capital One.
FAQ
Listed below are the solutions to a number of the most regularly requested questions concerning Capital One Quicksilver Credit score Card.
- What rating is required for Capital One Quicksilver?
- You want a wonderful credit score rating, which FICO defines as 800 or higher.
- What sort of card is Capital One Quicksilver?
- The Capital One Quicksilver is a easy cashback bank card providing 1.5% on everday purchases.
- Can I improve my Capital One card to Quicksilver?
- Sure, when you qualify. Should you obtain a pre-qualified supply, you possibly can improve. In any other case, that you must name the quantity in your card to ask whether or not you qualify or use their on-line pre-approval test.
- Does Quicksilver have an annual charge?
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