Last Updated: 01/07/2026
Capital One Quicksilver Cash Rewards Credit Card
Claimed
in Credit Cards from Capital One
Last Updated: 01/07/2026
SuperMoney User Recommendation Score +88
Strongly recommended33 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
18.49% - 28.49%(Verified 01/07/2026)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
18.49% - 28.49%(Verified 01/07/2026)
Disclaimer popup with additional information
Credit Score Range
700 - 850
Annual Fee
$0
Number of Reviews
Capital One Quicksilver Cash Rewards Credit Card Review
This is a cashback credit card issued by Capital One. If you're wondering whether Capital One Quicksilver Cash Rewards Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 15 months.
- $200 Cash Back after you spend $500 on purchases within 3 months from account opening
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.49% up to 28.49%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- No intro balance transfer fee. Capital One Quicksilver Cash Rewards Credit Card does not charge a fee on balance transfers. After the intro period, there is a fee of 4% on balance transfers.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, travel assistance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Capital One Quicksilver card
| The Good | The Bad |
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Capital One Quicksilver card FAQ
Does Capital One Quicksilver card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Travel | Up to 5 % cash back (1.5% Cash Back on every purchase, every day. 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Car Rentals | Up to 5 % cash back (1.5% Cash Back on every purchase, every day. 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | 5 % cash back (5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1.5 % cash back (1.5% Cash Back on every purchase, every day) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Capital One Quicksilver card have a signup bonus?
Yes. $200 Cash Back after you spend $500 on purchases within 3 months from account opening
Does Capital One Quicksilver card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Capital One Quicksilver card benefits?
Capital One Quicksilver Cash Rewards Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Capital One Quicksilver card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Capital One Quicksilver Cash Rewards Credit Card has a variable purchase APR that ranges from 18.49% up to 28.49%. The card has a variable balance transfer APR that ranges from 18.49% up to 28.49%. It also has a variable cash advance APR of 28.49% .
Does Capital One Quicksilver card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 15 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 18.49% - 28.49% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 4% (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro Fee % | 0% (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro Fee Period | 15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Capital One Quicksilver card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 15 months.
What are the fees for Capital One Quicksilver card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Capital One Quicksilver card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Capital One Quicksilver card?
The customer service number for Capital One Quicksilver card is (877) 383-4802.
What is the support contact email for Capital One Quicksilver card?
The support contact email for Capital One Quicksilver card is support@capitalone.com.
How do people rate the customer service and user experience of Capital One Quicksilver card?
Overall, Capital One Quicksilver card is strongly recommended based on community reviews that rate customer service and user experience.
Does Capital One Quicksilver Cash Rewards Credit Card report your account activity to credit bureaus?
Yes, Capital One Quicksilver Cash Rewards Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Capital One perform a hard credit pull?
Yes, Capital One Quicksilver card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Capital One Quicksilver card
- Visit the website of Capital One Quicksilver card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
630 - 750
300
850
Annual Fee
$0
Sponsored
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
640 - 700
300
850
Annual Fee
$39
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Credit Score Range
640 - 720
300
850
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Purchase APR
18.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
300 - 550
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.49% - 25.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 25.49%
Disclaimer popup with additional information
Credit Score Range
750 - 850
300
850
Annual Fee
$95
Purchase APR
15.24% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
15.24% - 26.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
17.99% - 27.74%
Disclaimer popup with additional information
Balance Transfer APR
17.99% - 27.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.9% - 25.74%
Disclaimer popup with additional information
Balance Transfer APR
15.9% - 25.74%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +88, or 4.8 on a 5-point rating scale.
+88
-1000+100
No one recommends
Everyone recommends
Capital One Quicksilver Cash Rewards Credit Card Community Reviews
Would you recommend Capital One Quicksilver Cash Rewards Credit Card to your friends?
LD
Lisa D.
Dec 25, 2024
May or may not recommend
Because Capital One is an excellent company. They have great credit cards with great rewards
RW
Ryan W.
Dec 19, 2023
May or may not recommend
I am extremely dissatisfied with my experience using the Capital One Quicksilver card. The card's cashback offer of 1.5% on every purchase and a $200 cash bonus might seem appealing at first glance. However, it pales in comparison to the outlandish APR fees they charge, ranging from 19.99% to 29.99%. This high APR can quickly offset any cashback benefits, especially for those who carry a balance.
Furthermore, the Capital One Quicksilver ...Show More
Katherine A.
Dec 16, 2023
May or may not recommend
Capital One Quicksilver card is a good card with a few flaws. The card has a welcome bonus of about 200 dollars, depending on your level of credit. One of the few things that keeps it from being a great card is that the card is heavily dependent on you having a high credit score. Most of the time, these cards are for people with about 700+ credit score, with ...Show More
RU
Rabbia U.
Nov 19, 2023
May or may not recommend
This credit card is my go for-it card. Capital One is always a trust-worthy bank for me. There Quicksilver credit card has some strict criteria but still it's worth it like they have a specific credit score requirement which shows their seriousness and concern about the customers and their services also plus I have a good credit score so that is not a limitation for me. They have a signup ...Show More
U
Anonymous
Sep 13, 2023
May or may not recommend
0% interest through June 2024 tap to pay no annual fees and shop and get great rewards
MP
Mark P.
Jun 16, 2023
May or may not recommend
Because it a smart financial move, and it helps when you need it too
JT
Jesse T.
Apr 21, 2023
May or may not recommend
I love Quicksilver from Capital One! I've been with Capital One Bank for over a decade now, and they've always been great! They provide excellent customer service and had many great bonuses. when it comes to Quicksilver itself, their APR is very good and got me lots of rewards cash back. Just make sure you have good credit, and you will be in good hands! You can't go wrong with ...Show More
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I absolutely love my capital one Quicksilver card. I get 5% cash back on all of my purchases. Every 6 months, either I solicit Capital One for an increase in my balance or they offer me one. Either way, I get a balance increase every 6 months, which helps my increase my credit score. Also, Capital One is very vigilant when it comes to fraudulent activity on your credit card. ...Show More
Tarah D.
Jul 2, 2022
May or may not recommend
I absolutely love my capital one Quicksilver card. I get 5% cash back on all of my purchases. Every 6 months, either I solicit Capital One for an increase in my balance or they offer me one. Either way, I get a balance increase every 6 months, which helps my increase my credit score. Also, Capital One is very vigilant when it comes to fraudulent activity ...Show More
R C.
May 10, 2022
May or may not recommend
So far, this the best credit card I have ever had. I had been looking for a credit card with a low APR and sufficient credit line to transfer a balance from another card to, as the other card offered relatively low available credit and the high APR quickly put a dent in my balance. My first preference was a card that offered 0% APR for six or twelve months ...Show More
RP
Ron P.
Apr 20, 2022
May or may not recommend
I have never banked with Capital One but have been using their credit cards for couple of years. I have traveled overseas with it, and have earned cash back. Never an issue with withdrawal or payment. You can also inform online that your are travelling so your transactions are not blocked.
JB
Jennifer B.
Feb 13, 2022
May or may not recommend
I have three credit cards with Capital One and have been a customer with them for more than 10 years. This is the most recent account opened and it is by far my favorite card. I regularly use the app and the website and find them to be very user-friendly. I appreciate that Capital One provides your current credit score within the card account in the app ...Show More
U
Anonymous
Jan 28, 2022
May or may not recommend
Just wow all I can say
No problems easy customer service help
Thaloy L.
Aug 29, 2021
May or may not recommend
I am enjoying this app and I love it thanks
SH
Shadrack H.
Apr 26, 2021
May or may not recommend
Super good, honestly no better credit card than this one, I’ve been using it for acouple years now. Rates nice . Two thumbs up
SL
Sally L.
Apr 15, 2021
May or may not recommend
Decent sign up bonus in comparison to how much you have to spend. We never had to call the company for problems. The website is easy to use, we never used the app though... do they have an app? Makes checking on finances way easier.
WS
Warda S.
Feb 24, 2021
May or may not recommend
I want to apply for this credit card when I had 0 credit record. I was trying to build my credit but they required good credit score. So they denied my request. After that when My credit score becomes higher they send me the offer their own. So I applied for this quicksilver credit card with 0%APR and Cashback offers are great. They also helped me to build my credit. ...Show More
Anthony C.
Jan 24, 2021
May or may not recommend
The Capital One Quicksilver card is a low fee and high reward card that works for those of us with limited credit options. They give generous credit increases when the time comes. I have mainly used the card for gas and travel, but it also works well in some retail applications too.
TQ
Tatiana Q.
Dec 23, 2020
May or may not recommend
The same company reviewed previously where customer service has been recognized as excellent and understanding. Note that monthly payments are reasonable especially for college students who are just beginning to build their credit scores. Another excellent resource they provide is credit monitoring which is also helpful and the services are free. Capital one gives one the ability to change payment due dates if a problem arises. It is important that ...Show More
AD
Amanda D.
Nov 7, 2020
May or may not recommend
Capital One Quicksilver Rewards earns my honest approval and strongest recommendation.
When I began building my credit score, I turned to Capital One Quicksilverone to start increasing my score. Capital One Quicksilverone provided me with a great opportunity to earn cash back for every purchase. Yet the $49 annual fee was a little pricey to pay.
I opened a Capital One Quicksilver once I was able to get my score well ...Show More
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