Capital One Quicksilver Rewards Credit Card
Basic Information
Program ID: quicksilver-rewards-for-good-credit
Issuer: Capital One
Card Type: Credit
Network: Mastercard
Card Tier: World Elite
Data Complete: Yes
Created: 01/15/2026 16:13
Last Scraped: 01/15/2026 16:14
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: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,924.00%
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 2-3 billing cycles after meeting the spending requirement, but often posts sooner.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.50%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Cash Back on Hotels & Rental Cars booked via Capital One Travel; 1.5x Cash Back on all other purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash back rewards do not expire as long as your account is open and in good standing.
Transfer Partners: None (Cash back rewards are not transferable to airline or hotel 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 - 739
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 Rewards for Good Credit card continues to target applicants with 'good credit,' typically defined as a FICO score between 670 and 739. Eligibility requires a solid credit history of at least 3 years, no recent bankruptcies (within the last 7-10 years), no defaults, and sufficient income to support credit obligations. Applicants should generally not have more than one new Capital One personal credit card approved within the last six months (the '1/6 rule') and no more than two new Capital One personal cards within the last 24 months (the '2/24 rule'). Capital One is known for pulling credit reports from all three major bureaus (Experian, Equifax, TransUnion). The welcome bonus, typically a cash bonus after meeting a specified spending threshold within the first 3 months, is generally restricted to new cardholders who have not received a bonus for this specific Quicksilver product or a similar Capital One cash back product within the last 24-48 months. While not a 'once per lifetime' restriction like the Venture X, Capital One maintains strict bonus eligibility criteria across its portfolio.
Maximum Cards Per Issuer: 2
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit cycling, rapid application for multiple Capital One cards (violating 1/6 or 2/24 rules), high cumulative credit limit across Capital One products relative to income, sudden and uncharacteristic spending patterns, defaulting on other Capital One products, or abuse of return/chargeback policies.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Users appreciate the simplicity of a flat 1.5% cashback on all purchases, no annual fee, and no foreign transaction fees. It's a solid, straightforward card for everyday spending.
Top Negative Feedback:
Some users find the 1.5% cashback rate to be lower than what's offered by tiered rewards cards, and initial credit limits can sometimes be lower than expected for those with good credit.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One SavorOne Rewards Credit Card
- Capital One VentureOne Rewards Credit Card
- Capital One QuicksilverOne Cash Rewards Credit Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $300.00
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: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0