With the Capital One Quicksilver credit card, you can earn unlimited 1.5% cashback on all purchases and even receive a cash welcome bonus right after signing up.
In addition to the rewards, it offers security and convenience in your transactions, whether for everyday purchases or international travel. The absence of annual and foreign transaction fees also makes this card highly competitive in the market.
If you’re looking for a card that simplifies your finances while offering real benefits, keep reading to discover everything this option from Capital One has to offer.
About the Issuer
Capital One is one of the largest and most trusted banks in the United States, known for its strong presence in the credit card market. Founded in 1994, the bank quickly stood out for its innovation and focus on accessible financial solutions for all consumer profiles.
Capital One offers a wide range of financial products, including credit cards, savings accounts, and loans. The company is known for its excellent customer service and robust security in all its financial operations, ensuring peace of mind for its users.
Whether for the average consumer or large corporations, Capital One continues to innovate and expand its offerings, always aiming to simplify the financial lives of its customers.
Benefits
Simple and Direct Cashback: The main benefit of the Capital One Quicksilver is the 1.5% cashback on all purchases. This means you get money back on every transaction, without worrying about rotating categories or reward limits. This cashback is unlimited, allowing you to continuously accumulate rewards over time.
No Annual Fees: One of the biggest attractions of the Quicksilver is that it doesn’t charge an annual fee, making it an economical option for those who don’t want to spend money just to keep the card active.
Rewards Without Expiration: The rewards accumulated with the Capital One Quicksilver credit card don’t expire as long as your account is active. This provides total flexibility when redeeming points, allowing you to use them when it’s most convenient.
No Foreign Transaction Fees: For frequent travelers, the card offers the benefit of no foreign transaction fees. This can represent significant savings since many cards charge a fee between 2% and 3% per transaction made outside the country.
Price Protection: This card offers price protection on eligible purchases. If you buy something and the price of that item drops within 120 days, Capital One refunds the difference, with limits of up to 4 claims per year and up to $250 per claim.
Extended Warranty: The Capital One Quicksilver also offers an extended warranty for products purchased with the card. When the manufacturer offers a warranty of three years or less, the card doubles that warranty, up to one additional year.
Fraud Protection: Capital One is known for its robust security measures. With the Quicksilver, you receive real-time fraud monitoring, suspicious activity notifications, and zero liability for unauthorized transactions.
Travel Assistance: The Quicksilver offers 24-hour assistance for travelers, including help with lost passports, document replacement, and referrals for emergency medical services in case of need during international travel.
Car Rental Coverage: The card offers coverage for damage or theft of rental vehicles, as long as the rental is fully paid with the Quicksilver and you decline the coverage offered by the rental company.
Pre-Qualification Tool: Capital One offers a pre-qualification tool that allows you to check if you’re eligible for the card without impacting your credit score. This helps avoid surprises when applying for the card.
Capital One Quicksilver Credit Card – Fees and commissions
The Capital One Quicksilver stands out for its lack of an annual fee and foreign transaction fees. However, the card applies a variable APR (Annual Percentage Rate), which can range from 19.99% to 29.99%, depending on the user’s credit and economic conditions.
It’s important to note that fees and charges can be changed by the issuer at any time without prior notice. Therefore, it’s essential to check the updated conditions on the official Capital One website before applying for the card.
Card limit
The credit limit of the Capital One Quicksilver varies according to the applicant’s profile. Factors such as credit history, income, and existing debts are considered to determine the initial available amount.
Users with good credit typically receive higher limits, while those with limited or problematic credit histories may have lower limits. Capital One periodically reviews credit limits and may adjust them based on the customer’s financial behavior.
Positive points
- Easy Cashback:1.5% cashback on all purchases.
- No Annual Fees:Save without paying for card maintenance.
- Peaceful Travel:No foreign transaction fees.
Negative points
- High APR:High variable interest rate.
- Few Bonuses:Limited compared to cards that offer rewards by category.
- Initial Credit Limit:May be low for beginners.
How to apply for Capital One Quicksilver Credit Card
- Access the Capital One website;
- Navigate to the Quicksilver page;
- Click on “Apply Now“;
- Fill out the form with your personal information;
- Submit the form and wait for the analysis;
- Check the application status on the website;
- If approved, the card will be sent to your address;
- Activate the card on the Capital One website or app.
How to contact Capital One
For more information or support, you can contact Capital One through the following channels:
- Branch: Visit a Capital One branch in person
- Phone: 1-877-383-4802
The Capital One Quicksilver credit card is an excellent choice for those seeking simplicity, security, and consistent rewards in their daily transactions. If you want a hassle-free card, now is the perfect time to apply for yours!
