Capital One Quicksilver Rewards Credit Card
Basic Information
Program ID: quicksilver
Issuer: Capital One
Card Type: Credit
Network: Mastercard
Card Tier: Rewards
Data Complete: Yes
Created: 01/07/2026 09:56
Last Scraped: 01/15/2026 06:32
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,224.00% - 3,024.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 3,024.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 3,224.00%
Sign-Up Bonus
Bonus Amount: $200.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 1-2 billing cycles after meeting the spending requirement, often appearing within a few days of the statement closing.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 0.02%
Bonus Reward Rate: 0.02%
Bonus Categories: N/A (Flat 1.5% cash back on all purchases)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Rewards do not expire as long as your account is open and in good standing.
Transfer Partners: N/A (Cash back card, no transfer partners)
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the Capital One Quicksilver card typically offers a cash bonus (e.g., $200) after spending a specified amount (e.g., $500) within the first 3 months of account opening. Eligibility generally requires good to excellent credit. Applicants are typically restricted to one Capital One credit card approval every six months. Furthermore, applicants are generally not eligible for the bonus if they currently have or have had the Capital One Quicksilver card within the past 48 months. While the 'once per lifetime' bonus restriction is known for premium cards like Venture X, it does not directly apply to the Quicksilver's standard welcome bonus, though re-earning the bonus on the same product is restricted.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Capital One products, rapid application for multiple credit cards (especially within Capital One), unusual spending patterns inconsistent with income or credit history, frequent late payments, or excessive credit limit increase requests.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Users appreciate the card's simplicity with a flat 1.5% cash back on all purchases, no annual fee, and a straightforward sign-up bonus. Many find it a reliable everyday card with good mobile app support and no foreign transaction fees.
Top Negative Feedback:
Some users find the 1.5% cash back rate to be lower than competing flat-rate or bonus category cards. A few report initial low credit limits, and occasional dissatisfaction with customer service experiences.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Wells Fargo Active Cash Card
- Chase Freedom Unlimited
Card Value Score: 75.0 / 100
Est. Annual Rewards: $270.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0