Table of Contents
The Capital One Quicksilver Money Rewards Credit score Card is a flat-rate money again rewards bank card that expenses no annual price or international transaction charges. With a strong incomes price of 1.5% money again and loads of methods to redeem, it’s a very good possibility for these searching for simplicity and financial savings, reasonably than incomes as a lot money again as attainable.
What We Like:
-
A one-time $200 money bonus after spending $500 in purchases throughout the first 3 months
-
1.5% money again on all purchases
-
A 0% intro APR on purchases and steadiness transfers for the primary 15 months – after which, the continued APR of 19.24% – 29.24% (Variable) applies; 3% price on the quantities transferred throughout the first 15 months
Intro APR Purchases
0%
Intro Time period Purchases
for 15 months
Intro APR Steadiness Transfers
0% intro on steadiness transfers
Intro Time period Steadiness Transfers
for 15 months
Common APR
19.24% – 29.24% (Variable)
Annual Payment
$0
- Earn a one-time $200 money bonus after you spend $500 on purchases inside 3 months from account opening
- Earn limitless 1.5% money again on each buy, day by day
- $0 annual price and no international transaction charges
- Take pleasure in as much as 6 months of complimentary Uber One membership assertion credit via 11/14/2024
- Earn limitless 5% money again on motels and rental vehicles booked via Capital One Journey, the place you will get Capital One’s finest costs on 1000’s of journey choices. Phrases apply
- No rotating classes or sign-ups wanted to earn money rewards; plus, money again will not expire for the lifetime of the account and there is no restrict to how a lot you possibly can earn
- 0% intro APR on purchases and steadiness transfers for 15 months; 19.24%-29.24% variable APR after that; 3% price on the quantities transferred throughout the first 15 months
Editor’s Word – You possibly can belief the integrity of our balanced, unbiased monetary recommendation. We might, nevertheless, obtain compensation from the issuers of some merchandise talked about on this article. Opinions are the writer’s alone. This content material has not been supplied by, reviewed, authorized or endorsed by any advertiser, except in any other case famous under.
Do you inform individuals like it’s and admire the straightforward issues in life? Do you’ve excessive, however reasonable, expectations? We might have a card to match your sensible character.
The Capital One Quicksilver Money Rewards Credit score Card is a no-annual-fee bank card with a mixture of travel-related and on a regular basis advantages to make it nice for day by day use. That’s when you have the credit score for it. This card requires a minimum of good credit score and reserves its finest rates of interest in addition to its welcome bonus for candidates with credit score scores of 750 or increased and clear histories.
On this Capital One Quicksilver evaluate, we’ll have a look at the options that set this uncomplicated rewards bank card other than others prefer it and what we expect you’ll admire about it. However we’ll additionally speak about the way it falls brief and why this might not be the finest flat-rate rewards card on the market.
Key information
- Finest for – Individuals who need to earn money rewards with out activating gives, individuals who journey, individuals with glorious credit score
- Intro provide/sign-up bonus – Earn as much as $200 money bonus when you spend $500 on purchases inside 3 months from account opening
- Rewards – Earn limitless 1.5% money again on every little thing and limitless 5% money again on motels and rental vehicles booked via Capital One Journey
- Annual price – $0
- Intro APR – 0% intro APR on purchases and steadiness transfers for 15 months from account opening (for choose candidates, depending on credit score)
- Common APR – 19.24% – 29.24% (Variable)
- Different distinctive options – No international transaction charges and as much as six months of complimentary Uber One membership
Execs & cons
Execs
-
No charges — No annual price or international transaction price to chop into your money again earnings.
-
Free advantages — Complimentary concierge providers, return safety, and membership assertion credit for choose providers.
-
Intro APR — 0% intro APR provide on purchases and steadiness transfers for 15 months from account opening.
Cons
-
Excessive rate of interest — Some candidates who qualify for this card will obtain a excessive variable APR and others will obtain a median one. It depends upon your credit score when making use of.
-
Just for glorious credit score — Whilst you could possibly qualify with a rating of between 700 and 749, this card leaves a bit of to be desired for all these with something lower than glorious credit score.
Capital One Quicksilver Money Rewards Credit score Card advantages
Along with limitless money again of both 1.5% or 5%, relying on the way you spend, this card comes with a number of journey advantages and membership perks. The welcome bonus, which is pretty straightforward to qualify for however nothing out of the peculiar, is just for choose candidates.
Let’s speak about the important thing options of this card.
Rewards
Everybody with a Capital One Quicksilver Money Rewards Credit score Card will earn money again on all of their spending at a price of 1.5%. This isn’t capped, there are not any bonus classes, and rewards by no means expire.
You can even earn 5% on lodge and rental vehicles booked via Capital One Journey. The hot button is that you just have to make use of this journey portal. If you happen to don’t use Capital One Journey to make a reservation or reserving, you’ll simply earn 1.5% in your spending even in the event you pay along with your Capital One Quicksilver Money Rewards Credit score Card.
There are a number of choices for redeeming rewards. You possibly can:
- Redeem them for assertion credit or checks
- Apply them retroactively to previous purchases to scale back your steadiness
- Use them to purchase reward playing cards or donate to charity
- Use them to buy on Amazon.com or cowl PayPayl transactions
Happily, there are not any minimums for redemptions, so that you don’t need to stockpile them earlier than cashing in.
Journey advantages
For a card with out a price ticket, the Capital One Quicksilver Money Rewards Credit score Card has a good suite of advantages. As a cardmember, you’ll get pleasure from the next providers without charge:
- Grasp RoadAssist® Service
- 24-hour journey help providers
- Complimentary Concierge Service
These protections together with no international transaction price are definitely good to see, particularly on a bank card that isn’t particularly designed for use for journey.
One other advantage of this card is entry to Capital One Journey. Capital One Journey is a journey portal completely for eligible cardholders that gives Capital One’s finest costs on journey bookings from flights to lodge reservations. And once you use your Capital One Quicksilver bank card to ebook lodge stays and rental vehicles via Capital One Journey, you’ll earn 5% money again.
