The Quicksilver from Capital One credit card is a straightforward and rewarding credit card designed for individuals who want to earn cashback on every purchase without worrying about rotating categories or spending limits.
Offering a flat-rate 1.5% cashback on all purchases, this card is an excellent choice for consumers who prefer simplicity and consistency in their rewards program.
About the Financial Institution
Capital One is one of the largest and most innovative banks in the United States, providing a wide range of financial products including credit cards, savings accounts, loans, and auto financing.
Known for its customer-first approach, Capital One consistently offers products that are designed to meet the diverse needs of consumers.
Its credit card offerings, including the Quicksilver from Capital One, are highly regarded for their transparency, low fees, and competitive rewards programs.
Who Is This Card For?
The Quicksilver from Capital One credit card is perfect for individuals who want a simple and reliable cashback rewards program without the need to track rotating categories or spending limits. It’s ideal for those who prefer a flat-rate cashback system, where they can earn 1.5% cashback on all purchases regardless of the category. This card is great for:
- Everyday spenders who want a hassle-free rewards system that works for them in any purchase category.
- Travelers looking for a card with no foreign transaction fees, making it a great option for international purchases.
- New cardholders who want to start earning cashback rewards with no annual fee.
- Those who want to simplify their rewards with a consistent cashback rate and no limits on earning.
Whether you’re looking to build credit, maximize cashback on everyday purchases, or earn rewards on international transactions, the Quicksilver from Capital One credit card has you covered.
Card Benefits
The Quicksilver from Capital One credit card offers a variety of benefits that make it an appealing option for those looking to earn cashback on every purchase. Some of the key benefits include:
- 1.5% Cashback on Every Purchase: One of the most attractive features of the Quicksilver card is its flat-rate cashback of 1.5% on all purchases. This means that whether you’re spending on groceries, dining, gas, or travel, you’ll earn cashback with no need to track rotating categories or restrictions. It’s a simple and consistent way to earn rewards on every purchase.
- One-Time $200 Cash Bonus: New cardholders can earn a $200 cash bonus after spending $500 on purchases within the first 3 months from account opening. This introductory bonus is a great way to kickstart your rewards and get some extra cashback to spend as you wish.
- No Annual Fee: The Quicksilver from Capital One has no annual fee, which is a huge advantage for those who want to earn cashback rewards without the added cost of maintaining the card. With no annual fee, all of your cashback is pure profit.
- No Foreign Transaction Fees: For travelers, the no foreign transaction fees feature is a game-changer. You can use your Quicksilver card abroad without worrying about additional fees, making it an excellent option for international purchases and overseas travel.
- Unlimited Cashback: The cashback you earn with the Quicksilver card is unlimited. There’s no cap on how much cashback you can earn, so whether you’re spending $100 or $1,000, you’ll continue to earn 1.5% cashback on all eligible purchases.
Additional Benefits
In addition to the primary benefits, the Quicksilver from Capital One also provides additional valuable perks:
- Travel and Emergency Assistance Services: If you find yourself in a tough spot while traveling, the Quicksilver card offers travel assistance services. This can include emergency help like legal referrals, lost luggage assistance, or medical referrals, making it a great companion for international trips.
- Purchase Protection: Purchases made with the Quicksilver card are covered by purchase protection, which may cover damage or theft of eligible items for up to 90 days after purchase. This provides peace of mind when shopping for expensive or valuable items.
- Extended Warranty Protection: The Quicksilver card offers extended warranty protection on eligible items, extending the manufacturer’s warranty by an additional year on warranties of three years or less.
Fees and charges
Late Payment: Up to $40;
â—Ź Introductory APR: 0% for 15 billing cycles;
â—Ź Standard APR: 19.24% - 29.24%;
â—Ź Cash Advance: either $5 or 5% of the amount of each cash advance.
Expert review
The Quicksilver from Capital One is an excellent choice for those seeking simple and unlimited cash back.
It offers a flat 1.5% cash back on all purchases with no categories to track.
New cardholders benefit from a welcome bonus and a 0% intro APR on purchases and balance transfers.
Additionally, it has no foreign transaction fees, making it great for international use.
However, it lacks bonus categories and has a higher credit score requirement.
You will remain on this site
+Positive points
- Unlimited cash back: Earn a flat 1.5% cash back on all purchases with no limits.
- No annual fee: Enjoy rewards without paying a yearly fee.
- 0% intro APR: Get 0% APR on purchases and balance transfers for the first 15 months.
- No foreign transaction fees: Ideal for travelers making purchases abroad.
- Easy redemption: Cash back can be redeemed at any time with no expiration.
- Negative points
- No bonus categories: Lacks higher cash back rates for specific spending categories.
- Average rewards rate: Some cards offer 2% or more in certain categories.
- Good credit required: Typically requires a good to excellent credit score for approval.