Capital One offers an impressive range of credit cards for a variety of financial needs including cashback, travel, business, and credit building. If you do most of your banking online, you'll enjoy the digital account management that Capital One credit cards offer. Here's a look at the best cards available from credit card , Capital One.
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Capital One Quicksilver Review:
The Capital One Quicksilver Cash Rewards Credit Card is a great option if you value the simplicity of earning a flat rate on all your purchases. Receive 1.5% cashback on almost every purchase without having to remember a number of bonus categories or keeping track of spending limits.
The card also offers other attractive perks, including a solid sign-up bonus, a 0% APR introductory period, and low fees. And if you don't mind managing multiple cards, you can combine it with a tiered reward or rotating
bonus card to maximize your earnings.
However, there are a number of flat rate cards on the market that outperform the Capital One Quicksilver Cash Rewards credit card.
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Capital One Quicksilver Cash Rewards Credit Card:
Basics Card Type: Cashback.
Annual fee: $0.
Sign-up Bonus: Earn a one-time $200 cash bonus after spending $500 on purchases within 3 months of account opening Rewards: Unlimited 1.5% cashback on all purchases, plus 5% cashback on hotels and rental cars purchased through Capital One Travel have been booked.
Interest Rate: 0% intro APR for 15 months on purchases and balance transfers and then ongoing APR of 19.24%-29.24% Variable APR; 3% fee on amounts transferred within the first 15 months.
Foreign transaction fees: None.
Credit Requirement: According to Capital One, you must have excellent credit to qualify for the Capital One Quicksilver Cash Rewards credit card. Typically, exceptional credit means a credit score of at least 720.
(NOTE: Applicants with less than excellent credit may be eligible for another version of this card – one that earns the same ongoing rewards but does not offer any upfront incentives of a sign-up bonus or an introductory APR period.)
Capital One Quicksilver Cash Rewards Credit Card Benefits
Easy Earning and Redeeming Rewards
Those who value simplicity will appreciate the no-hassle 1.5% cashback rewards on the Capital One Quicksilver Cash Rewards Credit Card. And the ease of use doesn't just apply to the rewards side.
While many competitors require you to collect up to $25 worth of rewards before you can withdraw, the Capital One Quicksilver Cash Rewards credit card has no minimum redemption amount. You can redeem your cashback for any amount and at any time.
Signup Bonus
The only thing better than making money is making it with minimal effort. The Capital One Quicksilver Cash Rewards credit card has a solid sign-up bonus with relatively low spending requirements to earn it—meaning you'll feel less pressure to overspend.
0% Introductory APR Offer
This card offers an introductory APR of 0% introductory APR for 15 months on purchases and balance transfers and then the ongoing APR of 19.24% to 29.24% Variable APR; 3% fee on amounts transferred within the first 15 months.
The long window for purchases and balance transfers can provide some wiggle room for interest payments and help those making a large purchase or paying off transferred debt. Keep in mind that there is a 3% fee for each credit transferred.
Therefore, it's important to weigh these costs against current long-term interest payments to determine the best path forward.
Low Fees
The Capital One Quicksilver Cash Rewards credit card is a great option for fee-shy people. There is an annual fee of $0. And since there are no international transaction fees, it can be a suitable option when traveling abroad.
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