Capital One Quicksilver Rewards Credit Card
Basic Information
Program ID: quicksilver-good-credit
Issuer: Capital One
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 16:00
Last Scraped: 01/15/2026 16:02
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transfer |
| 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: 2,199.00% - 3,199.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,199.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $200.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.50%
Bonus Reward Rate: 5.00%
Bonus Categories: 5% on hotels and rental cars booked through Capital One Travel
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash back rewards do not expire as long as account is active
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- No Foreign Transaction Fees
Premium Benefits
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Quicksilver for Good Credit card requires a credit score typically in the 'Good' range (e.g., FICO 670-739). Applicants must not have applied for two or more Capital One credit cards within the last 6 months. The welcome bonus is not available to applicants who currently hold any Quicksilver-branded product (Quicksilver, QuicksilverOne, Quicksilver Secured) or who have received a welcome bonus on any Quicksilver-branded product within the past 48 months. Bonus typically requires meeting a specified spend threshold within the initial months of account opening.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit cycling, rapid application for multiple Capital One cards, high cumulative credit limit across all Capital One products, consistent late payments, or suspicious spending patterns inconsistent with typical consumer behavior.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.5 / 5.0
Top Positive Feedback:
Users appreciate the straightforward 1.5% flat cash back on all purchases, no annual fee, and no foreign transaction fees, making it a simple and rewarding card for everyday spending.
Top Negative Feedback:
Some users desire higher cash back rates in specific spending categories or a higher flat rate than 1.5%, and the card lacks premium travel benefits often found with other cards.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Capital One SavorOne Rewards
- Capital One VentureOne Rewards
- Capital One QuicksilverOne Cash Rewards
Card Value Score: 78.0 / 100
Est. Annual Rewards: $300.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 84 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: 2023-10-26