Compare rewards, interest rates, and apply for the Capital One® QuicksilverOneSM Cash Rewards Credit Card now.
Editor’s Rating — — Great For: Cash back rewards and low intro rates.
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories and no sign ups needed to earn cash rewards
- Redeem the cash back you earn for any amount, any time
- No limit to the cash back you can earn
- Your cash back doesn't expire
- 0% intro APR on purchases until January 2015
- Get access to a higher credit line after making your first 5 monthly payments on time
- Fraud coverage if your card is ever lost or stolen
Credit Needed: Fair
Average Approved Score: 618*
Lowest Approved Score: 563*
|Intro APR, Purchases||Intro Term, Purchases||Intro APR, Balance Transfers||Intro Term, Balance Transfers||Regular APR||Annual Fee|
|0%||until January 2015||N/A||N/A||22.9%* Variable||$39|
Capital One® QuicksilverOneSM Cash Rewards Credit Card Reviews
3.9/5 (Average rating from 1688 total reviews.)
Most Popular Review
I am so thrilled! I am 31 years old and destroyed my credit along with many others in my generation who went to college in the early 2000's. I was offered credit cards galore, didn't really understand how to use them responsibly, and before I knew it was in over my head. The stature of limitations has long since run out on these cards that I never paid off, and many of the banks who lent them to me no longer exist (Providian bank, for example). I am now a very responsible consumer who lives below my means with no debt aside from student loans. I have been paying those diligently for over 2 years and have seen little effect on my credit score. I was getting depressed about it until about 4 months ago when, to my shock, I was approved for a Capital One Platinum card with a $300 limit! I have been paying it off in full every month since, and lo and behold, my credit score went up 19 points! Today I decided to go ahead and apply for this card, and to my suprise, I was approved for a credit limit of $1000 with 0% apr until March 2013, despite my credit score of 589. I am beyond thrilled, as I am now confident that continuing to pay my balances in full every month, coupled with my student loans, my credit score should be above 600 by this time next year. I hope to have it in the 700 range within 2 years and finally not feel ashamed of my credit score. It is so true that paying your bills on time is the absolute best way to re-build credit. I am grateful to Capital One for giving me a chance to prove myself.
Reviewed by: monicaandree
All Recent Reviews
ty very much capital one with my 3rd card and will be applying for my auto loan from u aswell
Reviewed by: seethinghate
We'll everybody, I'm now 27 years old. When I was 22, I had great credit. Discover Card with a credit limit of 4k, Capital One with 1.5k, and a Sam's Club Card with 1.5k. Then came a point where I for some reason stopped caring. My debt built up to an insurmountable limit, so much so I couldn't afford anything over rent in a given month with my job at the time. I didn't know anything about credit, so I let my Capital One card go to collections because I couldn't afford it. All my student loans hovered around 90 days late. And one student loan went to collections (15k worth). I panicked, thinking that credit cards were now the devil, borrowed money from a friend, paid off my two current cards (almost 6k worth at that time), and closed them out (what an idiot I was, now knowing you should never close out a credit card). I had to give my truck back to the bank because I couldn't afford the loan (listed as a voluntary surrender), and saw my once 780 credit score plunge to 500.
Wow can financial debt be depressing. Finally, I decided to do something about it, after learning the financial world in the hardest lesson possible. I paid off my collection of Capital One, entered into a program for the student loan collection (pay a large monthly payment for one year without being late, and it would go back to a student loan), and got an unsecured loan for the leftover 3k that the bank had from selling my truck lower than what my loan was worth, and paid off 4 other collection accounts. This all occurred over 2 years, up until February 2014. Now I only have student loans and that one unsecured loan left. Credit score went from 500 to 581. I knew I needed a credit card, and wanted to try my luck with an unsecured card before bowing to a secured card...
Unbelievably, Capital One approved me for a Quicksilver One card with 500 limit. Remember, I let my old Capital One account go to colections 5 years ago. A 2nd chance from a credit lender?! Say what you want about Capital One, but they gave me another chance, when no one else probably would have. I now have a good paying job, and will be looking to buy a car by the end of the year. Thank you Capital One, I will forever remember this.
Reviewed by: StillAmShocked09
Thank you capitalone for trusting me and helping me rebuild my credit.
I've had a Capital One Secured CC for ~10 months.
~1000 in collections.
~public record from 2010
~16 hard inquries from a car dealership that I have my current car loan from :/
I was reading through the reviews of this CC, and thought, meh why not try it.
I was extremely suprised when it popped up saying "Your approved!"
Hopefully they will do decent CL increases over time with this card unlike their other cards.
Reviewed by: coldfront1
I don't know my real credit score but credit karma has me at 614. I previously had a credit card when I was 18 with capital one, lost my job and didn't pay so it went to collections in 2009. So I was really surprised I got approved and for a $1000 limit. It could have to do with my monthly income as well but I'm hoping to raise my credit score even more. I really like the 0% apr until dec 2014 too.
Reviewed by: rizzio191
decided to apply for this card 5 months ago as it was close to Christmas and could use a little extra, got approved for a limit of $300. Which with my credit i was happy with. Made 4-6 payments a month as $300 doesn't go far and got an email today from Cap one saying congrats your limit has been increased to $3,300. Now i can actually use this to its full potential and get as much back on the 1.5% as possible as i like to pay off the balance every month.
Reviewed by: diveman05
Bear with me here, this is my first review on CK.
I have been working hard to rebuild my credit - as of October 2012, I was around 515. I had a lot of items in collection from my college years, and instead of paying them all off, I let them get closed. Then I waited for about 7 years for items to drop off. Yep, I haven't had good credit since I was 19-20 years old (I'm 38).
In September of 2012, I was able to purchase a car on my own with no co-signer (2011 Nissan Versa 1.8S Hatchback), and have never missed a payment. Additionally, I had an old First Premier Mastercard which was bought out by Capital One, and for the past few years, I had never missed a payment. I don't know if this made a difference or not, but my auto loan was through Capital One Auto Finance.
My First Premier (now Capital One Platinum) recently had a CL increase of $1000 - making the total available credit $1320 (that was out of the blue, btw, I didn't ask for it - but I had recently paid it off to under 20% utilization).
So CK recommended this card and said my chances of getting it were "Good" - so one day, while at work, I figured, "why not?" and applied for it.
Instantly approved for $3000. I haven't thought about asking for an increase right off the bat, but plan on using the card as my daily card and paying it off 80% every month to keep the 20% utilization.
I'm excited - and my due diligence about keeping my credit clean has paid off!
Reviewed by: ejon154
I just got my card like a week and a half ago and I've noticed it hasn't been reported on my credit yet. I had another credit card with my credit union I work for and it showed up I want to say a few days of me being approved. Anyone else have this issue? Thanks.
Reviewed by: Kittypage1
I am in process of credit rebuild....started off with Cap One Plat. card, made all payments on time, they increased balance, continued on "GOOD CREDIT AVE."...about a year 1/2 later I applied for this card (About 8 mos ago)...they gave me a $1000 CL....continued to use card....made payments on both and continued to be a good customer....They just increased my CL on this card to $3000....overall very impressed and the 0% intrest until dec. is very attractive...hopefully by then I can apply for a lower intrest card and not worry about the 22.9%....
Good Luck everyone
Reviewed by: jeepguy07
Had a CH-13 Bankruptcy discharged in March 2013 (after 5yrs). I applied for a Capital One secured the day I got my discharge papers. I was denied at first, since the bankruptcy discharge didn't appear on my credit report. I submitted my discharge letter and they approved me for $250 with $49 deposit. I deposited $300 to get me to $500. Three months later I put in another $250 to increase the balance to $750. Another three months and they increased my secured $100. I put in another $150 to make it $1,000. I applied for an Auto loan in December and was approved (to my surprise w/ a very good rate). I put an additional $500 on the secured card this March to give me $1,500. I applied for the Quicksilver card last week and was instantly approved for $3,000. My CK score is 630. I'm still impressed with Capital One.
There is life after BK.
Reviewed by: jrdjh
I was very shocked that I was approved for this card 602 score -no history with credit cards before, first opportunity given. $300 limit. I do have a credit builder CC with the Credit Union I work for and the limit is $500 and after 3months of good payment history my limit will go up $100 each month with a max of $2500 limit.Next month is when my limit starts it's first increase.
I did speak with a Representative at Capital One and found out my account was in the Credit Steps Program which I'm not surprised about considering my credit score. However, since I know my credit limit with my Credit Union CC will be around $900-1K by the time I am eligible for the $200 CLI at Capital One. I am afraid of having my Capital One limit staying so low when I know my other card will gradually grow every month. Any tips on how I achieve a higher CLI than $200? thanks!
Reviewed by: Kittypage1
* Credit Karma users have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed.
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