9
Benefits1
Reward Categories1.5x
Max Reward20%
APR FromBasic Information
PENDINGRewards Program (Detailed) 1 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| All Other Purchases | 1.5x | Cash Back | Earn unlimited cash back on every eligible purchase, every day. | No Cap |
Rewards Summary
PENDINGReward Type: Cash Back
Base Rate: 1.5x
Bonus Rate: 5x
Categories: Hotels and rental cars booked through Capital One Travel
Quarterly Rotating: No
Expiration Policy: Your cash back rewards don't expire for the life of the account.
Point Value: 0.01¢
Travel Portal Multiplier: 3.33x
Benefits & Protections (Detailed) 9 Total
PENDINGCredit Monitoring 1
CreditWise® from Capital One
Free access to credit score and monitoringGet unlimited access to your credit score and tools to help you monitor your credit profile, including alerts for suspicious activity, all for free.
Lifestyle 1
Eno® Assistant
Personalized account management and security assistanceEno is Capital One's intelligent assistant that can help you manage your account, track spending, provide security alerts, and generate virtual card numbers.
Rewards 1
Unlimited 1.5% Cash Back
1.5% cash backEarn unlimited 1.5% cash back on every purchase, every day, with no rotating categories or sign-ups needed.
Security 5
$0 Fraud Liability
$0 liabilityYou're not responsible for unauthorized charges if your card is lost or stolen.
Virtual Card Numbers
Enhanced online securityGenerate unique virtual card numbers for online purchases to help protect your actual card number from being compromised.
Card Lock
Instant card controlInstantly lock your credit card from anywhere using the Capital One Mobile app if it's lost or stolen, preventing new purchases and cash advances.
Account Alerts
Customizable real-time notificationsReceive alerts via email, text, or phone if Capital One detects unusual activity on your account, or for payment reminders and spending thresholds.
Emergency Card Replacement
Expedited replacementIf your card is lost or stolen, Capital One can send you an emergency replacement card.
Travel 1
No Foreign Transaction Fees
0% foreign transaction feePay no foreign transaction fees on purchases made outside the United States.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transferred balance |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 19.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 15 months
Intro BT APR: 0% for 15 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Quicksilver welcome bonus is generally restricted to new cardholders who have not previously received a bonus for this specific Quicksilver product within a certain timeframe (typically 24-48 months, though Capital One's exact internal rules are proprietary and can vary). Applicants must also meet Capital One's creditworthiness criteria. Capital One is known for being sensitive to recent credit applications across all issuers; applying for more than 1-2 new cards in the last 6-12 months may lead to denial. Existing Capital One cardholders may be denied if they are perceived to have too many Capital One accounts or a high cumulative credit limit with the issuer. The welcome bonus is typically a one-time cash bonus awarded after meeting a specified spending threshold within the initial months of account opening.
Max Cards Per Issuer: 2
Min Spend Interval: 3 months
Cliff Effect Rules: While the Quicksilver card itself does not typically carry a 'once per lifetime' bonus restriction like the Venture X, Capital One generally restricts welcome bonuses to new cardholders for a specific product. If you have previously held a Quicksilver card (or a very similar product like QuicksilverOne) and received a bonus, you may be ineligible for a new bonus on the Quicksilver. Capital One also has internal rules regarding the number of cards a customer can hold, which can prevent approval for additional cards even if eligible for a bonus. Additionally, Capital One is known for 'bucketing' credit limits, where initial low limits on certain cards may not grow significantly over time, regardless of payment history.
Special Events: N/A
Holiday Promos: N/A
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.1 / 5.0
Top Positive:
Users appreciate the simplicity of flat 1.5% cash back on all purchases, no annual fee, and no foreign transaction fees, making it a straightforward and reliable card for everyday spending.
Top Negative:
Some users find the 1.5% cash back rate to be lower than competitors offering 2% flat rates or higher bonus categories, and initial credit limits can sometimes be modest.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Chase Freedom Unlimited
- Wells Fargo Active Cash Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $270.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: January 2024