Capital One Quicksilver Review

Our Capital One Quicksilver review showcases a simple yet solid card option for people with good credit looking to upgrade their wallet without taking on annual fees or complicated rewards details. The Quicksilver card delivers straightforward value by offering cash back on every purchase and consistent reliability for those with good but not yet excellent credit. The card also features accessible approval odds as listed by the Consumer Financial Protection Bureau.

If you’re in the good-credit range, the Quicksilver card represents a logical step into the world of Capital One credit cards. Quicksilver is easy to manage, rewarding to use, and designed to keep long-term costs low.

About Capital One Quicksilver

Capital One is one of the nation’s largest credit card issuers. The company features a wide selection of rewards cards, many of which are accessible without the need for exceptional credit. The Quicksilver cash rewards credit card fits squarely in the middle of its lineup, targeting consumers with good to very good credit who value simplicity and decent cash-back rewards.

Capital One credit cards are accepted globally, and cardholders will have access to the company’s travel booking portal called Capital One Travel. The platform provides competitive rates on flights, hotels, stays, and rental cars.

While Quicksilver isn’t a premium travel card, you can still use it to save money when booking rental cars through Capital One. First-year cardholders even qualify for a $100 credit used toward their travel purchase.

Features and Benefits

The Quicksilver card is a good choice for consumers looking for simplicity and accessibility.

• Unlimited 1.5% cash back on every purchase
• $0 annual fee
• Introductory cash bonus (varies, often $200 after spending $500 in 3 months)
• No foreign transaction fees
• Access to Capital One Travel for discounted hotels, stays, and rental cars
• Flexible rewards redemption (statement credit, direct deposit, gift cards, and more)
• Capital One offers a pre-approval step to help avoid unnecessary hard inquiries.

Approval Odds for Good Credit

While premium rewards cards often demand excellent credit, Quicksilver is known for being approval-friendly in the good-credit range of between 670 and 739. This attribute is one of the main advantages of the Quicksilver card. However, there’s a minor catch.

Capital One itself states that you may not be approved for Quicksilver cards if your score is below 700. If your score is in the 690 range, be sure your DTI and other credit score variables are in good shape before applying. To help avoid unnecessary hard inquiries, Capital One’s website offers a pre-approval option that won’t affect your credit score unless you formally apply for the card.

Rates and Terms

Capital One Quicksilver carries a variable APR range that reflects current market interest rates and your credit score. While rates can be higher than premium cards, this isn’t unusual for the good-credit category. The card typically offers a starting credit limit between $1,000 and $10,000, depending on your creditworthiness and income.

Introductory offers for purchases and balance transfers are available at times. However, they change frequently. Quicksilver’s long-term value focuses more on its flat-rate rewards, $0 annual fee, and lack of foreign transaction fees.

Capital One Quicksilver Reviews: Editorial Rating

Trusted Company Reviews Rating Score for Capital One Quicksilver: 8.4

We rate the Quicksilver card highly because of its strong approval odds, lack of an annual fee, and straightforward rewards program. While other cards may offer higher rewards percentages or more perks, this card stands out by focusing on simplicity and accessibility.

While the card frequently offers introductory perks such as limited-time 0% APR or cash bonuses, since they change often, our review focuses more on the long-term benefits, including a $0 annual fee, cash back on every purchase, lack of international transaction fees, and access to Capital One’s travel reservation system.

Why We Like It

We like Quicksilver because it represents dependable, no-frills value for those with good credit. The flat rewards structure ensures that you earn cash back every time you use it, making it a good choice for everyday use. If you’re still working toward excellent credit, Quicksilver is a good step in that direction, which allows you to get a feel for how to use a rewards card.

What We Don’t Like

Compared to other cards with stronger category bonuses, Quicksilver’s 1.5% rate looks a little weak. However, users can get up to 5% back when booking travel or making purchases on Capital One Entertainment. We’re also a little concerned with the company itself, saying that it generally likes to see a 700 credit score for approvals. Although its pre-approval offer can help you decide if applying is worth it for you.

Rewards Information

The following is a snippet taken directly from the Capital One Quicksilver website.

“You have several ways to redeem the rewards you earn with your Quicksilver card, and you can choose the amount you want to redeem. Just sign in to your account online or use the Capital One Mobile app to choose how you want to redeem your rewards.

• Redeem rewards for cash. You can redeem your rewards for a check or cash back in the form of a statement credit to apply directly to your account balance.
• Cover recent purchases. Get reimbursed for a recent purchase. Cover the whole purchase or just part of it.
• Get gift cards. Redeem your cash back rewards as a gift card. You can choose from a wide variety of merchants, including retail stores, food delivery services, gas stations and restaurants.1
• Pay for eligible Amazon.com orders. Use your Capital One rewards at Amazon.com by applying your rewards at checkout.7
• Pay for PayPal purchases. Use your rewards to shop online with PayPal by adding your rewards card to your PayPal wallet.8
• Redeem rewards for tickets. Earn unlimited 5% cash back on Capital One Entertainment purchases. You can use your rewards, your card or a combination of both to purchase concert tickets and other unforgettable experiences on Capital One Entertainment.5
• Use rewards to book travel. Use your cash back to book flights, hotels, vacation rentals and rental cars through Capital One Travel. You can book using your rewards, your credit card or a combination of the two.”

Capital One Quicksilver Customer Reviews

Customer sentiment regarding the Quicksilver card is generally positive. Reviewers often cite its lack of an annual fee and consistent cash back rewards on every purchase as reasons to get and keep the card. Among expert reviews, Quicksilver ranks well for simplicity and everyday value.

Some negative feedback appears on Trustpilot and the BBB, often tied to Capital One’s customer service responsiveness or disputes. However, these issues are not uncommon across major card issuers.

Capital One Quicksilver vs. Savor

Both Quicksilver and Savor are popular Capital One credit cards, but they serve different consumer types. Quicksilver focuses on simplicity with flat-rate cash back, while Savor offers 3% cash back on dining, entertainment, and streaming services.

Quicksilver is easier to manage and has stronger approval odds for those with good credit, while Savor may appeal to those who spend heavily on food and entertainment.

Who Is Capital One Quicksilver Best For?

The Quicksilver card is best for people with good credit who want a card with no annual fee and consistent rewards that eliminate the guesswork and the need to keep track of monthly or quarterly sign-ups and extra attention. It works well as a first true rewards card for those transitioning from fair credit cards, or as a long-term everyday option for those who value simplicity.

Who Should Not Get This Card?

Capital One Quicksilver may not be your best bet if you’re seeking premium rewards or advanced travel perks. With its flat 1.5% cash back rate and lack of bonus categories, it lags behind competitors that offer travel perks or high-reward rotating categories.

Additionally, applicants with borderline credit scores (under 690) should be cautious. While Quicksilver targets consumers with good credit, Capital One often favors applicants with scores above 700. If your debt-to-income ratio or credit utilization is high, pre-qualifying through Capital One’s tool can help prevent unnecessary credit inquiries.

Capital One Quicksilver Alternatives

While the Quicksilver card is a solid option for many with good credit, it may not be the perfect match for everyone. If you’re looking for more travel rewards, higher cash back in specific categories, or stronger other types of perks, here are a few other top choices among the best credit cards for good credit.

• Citi Custom Cash Card: Best for maximizing 5% category rewards
• Chase Sapphire Preferred: Best for flexible travel rewards
• Upgrade Life Rewards Card: Best for everyday household spending
• Synchrony Plus World Mastercard: Best for flat 1% cash back

Frequently Asked Questions

Source

Image source: capitalone.com

About Author

Deane Biermeier