Program ID: quicksilver-rewards-for-good-credit

Issuer: Capital One

Card Name: Capital One Quicksilver Rewards Credit Card

Card Type: Credit

Network: Mastercard

Card Tier: World Elite

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 16:13

Last Scraped: Jan 15, 2026 16:14

Apply URL: Visit

Home URL: Visit

Reward Type: Cash Back

Base Rate: 1.5x

Bonus Rate: 5x

Categories: 5x Cash Back on Hotels & Rental Cars booked via Capital One Travel; 1.5x Cash Back on all other purchases

Quarterly Rotating: No

Cap Amount: $999,999,999.99

Expiration Policy: Cash back rewards do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 5x

Transfer Partners: None (Cash back rewards are not transferable to airline or hotel partners)

Redemption Penalties: No penalties for cash back redemption.

Extended 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

Global Entry Credit: $0

TSA PreCheck Credit: $0

Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 29.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 15 months

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.

Max Cards Per Issuer: 2

Min Spend Interval: 3 months

Cliff Effect Rules: Capital One is known for 'bucketing' credit limits, where initial credit limits, especially for cards obtained with 'good credit,' can be relatively low and difficult to significantly increase over time, even with responsible use. This can create a 'cliff effect' where users are stuck with lower limits compared to other issuers. Additionally, product changes within the Quicksilver family or to other cash back products may not qualify for new welcome bonuses. Applying for multiple cards within the same product family (e.g., Quicksilver, SavorOne) can impact approval odds and bonus eligibility.

International Friendly: Yes

User Ratings

Average Rating: 4.0 / 5.0

Top Positive:
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:
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: 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

Approval Probability: 85.0%

Version ID: v1.0