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For fans of cash back, the Capital One Quicksilver Cash Rewards Credit Card offers both simplicity and a lot of potential value.<\/p>\n
Annual fee<\/p>\n
$0<\/p>\n<\/li>\n
Welcome offer<\/p>\n
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening<\/p>\n<\/li>\n
Card type(s)<\/p>\n
Cash-back<\/p>\n<\/li>\n
Purchase APR<\/p>\n
18.49% – 28.49% variable<\/p>\n<\/li>\n
Introductory APR<\/p>\n
0% intro APR on purchases and balance transfers for 15 months, then variable 18.49% – 28.49% APR<\/p>\n<\/li>\n
Recommended credit score<\/p>\n
Good, Excellent<\/p>\n<\/li>\n<\/ul>\n
Rewards rate<\/p>\n
Benefits<\/p>\n
All you have to do to earn rewards with the Quicksilver card is use it to make your regular purchases. For many flat cash-back cards like this, a good way to maximize rewards is to use your card like a debit card. Put all your regular spending on the card to earn cash back, then make sure you can pay it off when your balance is due to avoid interest charges.<\/p>\n
You won\u2019t earn rewards on credits and returns. Cash advances and balance transfers don\u2019t count as purchases and won\u2019t earn rewards, either.<\/p>\n
As a cash-back card, the primary way to redeem your Quicksilver rewards is for cash. You can choose between a check in the mail, gift cards, and statement credits to your account \u2014 or use statement credits to cover individual purchases charged to your card. If you have an upcoming trip, you can even use cash back rewards to book travel through the Capital One Travel portal.<\/p>\n
Your rewards don\u2019t expire and there\u2019s no limit to how much cash back you can earn.<\/p>\n
See also: <\/em>Best rewards credit cards of 2025<\/em><\/p>\n While there aren\u2019t many added benefits for this no annual fee cash-back card, you will get a few. These include no foreign transaction fees and access to Capital One Entertainment.<\/p>\n There are a few purchase and travel protections you\u2019ll get too, including warranty protection, travel accident insurance, travel assistance services, and concierge service.<\/p>\n With such a simple rewards structure, a flat cash-back card like the Quicksilver can add value to nearly anyone\u2019s wallet.<\/p>\n Someone who wants one single credit card they can use for any purchase will find this card easy to use and maximize, since every type of purchase earns the same 1.5% back.<\/p>\n But it can be useful for someone who already has other cards, too. If you don\u2019t mind a bit of extra strategizing, you can use it like a catch-all for purchases that don\u2019t fit into your other cards\u2019 bonus categories, and guarantee a minimum 1.5% back on each purchase.<\/p>\n Finally, the Quicksilver is a good long-term option for cardholders looking to pay down debt with a balance transfer. You can use the 15-month 0% intro APR to pay off your debt while establishing the habit of paying off your balance. Then when your debt is paid, continue to get value from the card\u2019s cash back benefits.<\/p>\n This card may not be for you if you\u2019re building credit or don\u2019t already have a solid credit score. Capital One recommends an \u201cexcellent\u201d credit rating for Quicksilver applicants, which may require an established credit history. There is a \u201cgood credit\u201d version of the card that you may qualify for with a lower score, but it has a higher ongoing APR, no welcome bonus, and no introductory APR offer.<\/p>\n Simple rewards:<\/strong> A flat 1.5% cash back on every purchase makes it easy to maximize your Quicksilver rewards.<\/p>\n<\/li>\n No annual fee:<\/strong> This card has no annual fee, which means you can start maximizing your cash back right away with no cost \u2014 as long as you avoid taking on interest charges.<\/p>\n<\/li>\n 0% intro APR:<\/strong> The Quicksilver may primarily be a cash-back card, but its relatively long 0% APR intro period also makes it a great choice for cardholders who have a large upcoming purchase they want time to pay off, or who are looking to eliminate existing debt balances.<\/p>\n<\/li>\n<\/ul>\n Other cash-back cards may offer better rewards rates:<\/strong> 1.5% cash back is a great baseline for earning rewards on every purchase, but there are other flat cash-back cards that offer up to 2% on each dollar you spend.<\/p>\n<\/li>\n Few added benefits:<\/strong> Beyond cash rewards, you won\u2019t get many added benefits with this card. If benefits are important to you, consider rewards cards with an annual fee or travel rewards cards, which usually come with extra perks.<\/p>\n<\/li>\n Best for excellent credit score:<\/strong> You\u2019re most likely to get approved for this card if you have excellent credit. Other versions of the Quicksilver \u2014 as well as secured or student cards \u2014 may be better suited for those who are still building credit.<\/p>\n<\/li>\n<\/ul>\n Capital One Quicksilver vs. Capital One Platinum: Which card has the best benefits?<\/strong><\/p>\n<\/blockquote>\n The Capital One Quicksilver Cash Rewards card is a Mastercard credit card. Because Mastercard is one of the most widely-accepted payment networks, you can expect that it\u2019ll be accepted with any in-person or online business that accepts credit card payments.<\/p>\n Quicksilver card payments are due 25 days after the end of each billing cycle. As long as you pay by this due date, you won\u2019t accrue interest on new purchases. Here are your options for making your payment:<\/p>\n Online payment: Set up your online account and link a bank account (payment account) which you\u2019ll use to make your payments. You can also schedule payments or set up autopay.<\/p>\n<\/li>\n Mobile payment: When you sign into your account through the Capital One mobile app, you can make a payment from your payment account via app.<\/p>\n<\/li>\n In-person at Capital One branches and ATMs<\/p>\n<\/li>\n Phone: You may be able to pay by phone; Capital One recommends calling the number on your card statement<\/p>\n<\/li>\n Mail: Mail your check (with your Capital One credit card account number) to the address below: Phone number for credit card customer service: 1-800-CAPITAL (227-4825)<\/p>\n<\/li>\n For fast service, Capital One recommends its chat service Eno, which is available 24\/7<\/p>\n<\/li>\n Capital One Quicksilver login page<\/p>\n<\/li>\n<\/ul>\n With a flat 1.5% cash back on every purchase you make, it\u2019s easy to maximize Quicksilver rewards without overthinking where you\u2019ll get the most return on the money you spend.<\/p>\n It may not get you the best rewards possible on every single purchase, but it can help fill any rewards gaps. If your current credit card rewards your most frequent spending \u2014 maybe a co-branded airline card for when you travel, or a cash-back card with great rewards on groceries for your supermarket spending \u2014 it probably offers a maximum 1% back on purchases that fall outside of ongoing bonus rewards categories.<\/p>\n But if you have a Capital One Quicksilver, you can guarantee you\u2019ll get at least 1.5% back on every purchase.<\/p>\n For example, say you have a Blue Cash Preferred\u00ae Card from American Express that you already use frequently. That card earns 6% cash back at U.S. supermarkets (up to $6,000 spent per year, then 1%; see rates and fees), 6% on select U.S. streaming, 3% on transit, and 3% at U.S. gas stations. Everything else earns 1% cash back (Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout). But if you added the Quicksilver card to your wallet too, you could use it to buy everything outside of those rewards categories \u2014 as well as groceries after you meet the annual spending limit \u2014 and get at least 1.5% on every purchase, plus more on the Amex card\u2019s bonus category spending.<\/p>\n As long as you don\u2019t mind thinking about which card to use when, this can be a great way to maximize every dollar you spend.<\/p>\n Even without other cards in your wallet, a flat cash-back card like the Quicksilver is still a solid standalone option for simplifying your rewards.<\/p>\n Annual fee<\/p>\n $0<\/p>\n<\/li>\n Welcome offer<\/p>\n Earn as high as $200 cash back after spending $2,000 within the first 6 months (welcome offers vary and you may not be eligible for an offer; cash back is received as Reward Dollars, redeemable for statement credit or at amazon.com checkout)<\/p>\n<\/li>\n Card type(s)<\/p>\n Cash-back<\/p>\n<\/li>\n Introductory Purchases APR<\/p>\n 0% on purchases for 15 months<\/p>\n<\/li>\n Ongoing Purchases APR<\/p>\n 19.49%-28.49% Variable<\/p>\n<\/li>\n Introductory Balance Transfer APR<\/p>\n 0% on balance transfers for 15 months<\/p>\n<\/li>\n Ongoing Balance Transfer APR<\/p>\n 19.49%-28.49% Variable<\/p>\n<\/li>\n Recommended credit score<\/p>\n Excellent, Good<\/p>\n<\/li>\n<\/ul>\n Rewards rate<\/p>\n Benefits<\/p>\n Why we like it: <\/strong>The Blue Cash Everyday is another no-annual-fee cash-back card, but it offers bonus categories to get a higher rewards rate where you spend most. The Blue Cash Everyday also has a competitive intro APR offer on new purchases and balance transfers and comes with a few annual benefits to help you save more each year. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit on Amazon.com at checkout.<\/p>\n Read our full review of the Amex Blue Cash Everyday Card<\/strong><\/p>\n<\/blockquote>\n Annual fee<\/p>\n $95<\/p>\n<\/li>\n Welcome offer<\/p>\n Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel<\/p>\n<\/li>\n Card type(s)<\/p>\n Travel<\/p>\n<\/li>\n Purchase APR<\/p>\n 19.49% – 28.49% variable<\/p>\n<\/li>\n Recommended credit score<\/p>\n Good, Excellent<\/p>\n<\/li>\n<\/ul>\n Rewards rate<\/p>\n Benefits<\/p>\n Why we like it: <\/strong>If you like having a Capital One card but want a bit more rewards flexibility, consider the Capital One Venture Rewards Credit Card, a $95 annual fee travel card from the issuer. It earns Capital One Miles, which you can redeem for travel through the Capital One portal or for eligible travel expenses charged to your card. The Venture card also comes with some added benefits including a credit for TSA PreCheck or Global Entry, perks on Lifestyle Collection hotel bookings, Five Star status with Hertz, and more.<\/p>\n Read our full review of the Capital One Venture Rewards Card<\/strong><\/p>\n<\/blockquote>\n Annual fee<\/p>\n $39<\/p>\n<\/li>\n Welcome offer<\/p>\n None<\/p>\n<\/li>\n Card type(s)<\/p>\n Cash-back<\/p>\n<\/li>\n Purchase APR<\/p>\n 28.99% variable<\/p>\n<\/li>\n<\/ul>\n Rewards rate<\/p>\n Benefits<\/p>\n Why we like it:<\/strong> Though its name and 1.5% cash back rewards are very similar, the QuicksilverOne differs from the Quicksilver in a few important ways. For one, it\u2019s designated for applicants with \u201cfair credit,\u201d meaning you may qualify for this card even if your score isn\u2019t high enough for the regular Quicksilver. You\u2019ll get automatic credit line reviews after six months to determine whether you qualify for a higher credit limit.<\/p>\n This article was edited by <\/em>Rebecca McCracken<\/em><\/p>\n Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank\u2019s website for the most current information. This site doesn’t include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.<\/em><\/p>\n<\/p><\/div>\n\n
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Capital One
Attn: Payment Processing
PO Box 71087
Charlotte, NC 28272-1087<\/p>\n<\/li>\n<\/ul>\n\n
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