Capital One · Mastercard

Capital One Quicksilver Credit Card

Credit 0% Intro APR · 15 mo No Foreign Fees

$0 Annual Fee

19.99%–29.99% Variable Purchase APR

670+ Recommended FICO

Cash Back Reward Type

Rewards

Reward Type Cash Back

Base Rate 1.5x / 1.5%

Bonus Rate Up to 5x

Point Value ~0.01¢ each

Travel Portal 3.33x

Expiration Your cash back rewards don't expire for the life of the account.

Category	Rate	Type	Cap
All Other Purchases Earn unlimited cash back on every eligible purchase, every day.	1.5x	Cash Back	No cap

Benefits & Protections

No Foreign Fees

Extended Warranty

Lost Luggage Coverage

Price Protection

Concierge Service

Benefit	Category	Value / Coverage
CreditWise® from Capital One Get unlimited access to your credit score and tools to help you monitor your credit profile, including alerts for suspicious activity, all for free.	Credit Monitoring	Free access to credit score and monitoring
Eno® Assistant Eno is Capital One's intelligent assistant that can help you manage your account, track spending, provide security alerts, and generate virtual card numbers.	Lifestyle	Personalized account management and security assistance
Unlimited 1.5% Cash Back Earn unlimited 1.5% cash back on every purchase, every day, with no rotating categories or sign-ups needed.	Rewards	1.5% cash back
$0 Fraud Liability You're not responsible for unauthorized charges if your card is lost or stolen.	Security	$0 liability Up to $0
Account Alerts Receive alerts via email, text, or phone if Capital One detects unusual activity on your account, or for payment reminders and spending thresholds.	Security	Customizable real-time notifications
Card Lock Instantly lock your credit card from anywhere using the Capital One Mobile app if it's lost or stolen, preventing new purchases and cash advances.	Security	Instant card control
Emergency Card Replacement If your card is lost or stolen, Capital One can send you an emergency replacement card.	Security	Expedited replacement
Virtual Card Numbers Generate unique virtual card numbers for online purchases to help protect your actual card number from being compromised.	Security	Enhanced online security
No Foreign Transaction Fees Pay no foreign transaction fees on purchases made outside the United States.	Travel	0% foreign transaction fee Up to $0

Interest Rates

Intro Purchase APR for 15 months

Intro Balance Transfer APR for 15 months

Purchase APR 19.99%–29.99% Variable

Cash Advance APR 29.99%

Min. Interest Charge $2

Fees

Annual Fee $0 — No Annual Fee

Authorized User Fee Free

Foreign Transaction Fee None

Balance Transfer Fee 3% of the amount of each transferred balance

Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater

Late Payment Fee Up to $40

Returned Payment Fee Up to $40

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850

300 Poor 580 Fair 670 Good 740 Very Good 800+ Exceptional

Approval Difficulty Moderate

Credit Profile Good to Excellent

Approval Odds Very Good

Decision Time Instant

Pre-Qualification Available (no hard pull)

Student Eligible No

Co-Applicant Not allowed

Business Eligible No

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 2 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending (MS), rapid application for multiple Capital One cards, high cumulative credit limit across Capital One products, sudden uncharacteristic spending patterns, defaulting on other Capital One products, or perceived abuse of welcome bonus offers.

Cliff Effect Rules

While the Quicksilver card itself does not typically carry a 'once per lifetime' bonus restriction like the Venture X, Capital One generally restricts welcome bonuses to new cardholders for a specific product. If you have previously held a Quicksilver card (or a very similar product like QuicksilverOne) and received a bonus, you may be ineligible for a new bonus on the Quicksilver. Capital One also has internal rules regarding the number of cards a customer can hold, which can prevent approval for additional cards even if eligible for a bonus. Additionally, Capital One is known for 'bucketing' credit limits, where initial low limits on certain cards may not grow significantly over time, regardless of payment history.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

Eligibility for the Quicksilver welcome bonus is generally restricted to new cardholders who have not previously received a bonus for this specific Quicksilver product within a certain timeframe (typically 24-48 months, though Capital One's exact internal rules are proprietary and can vary). Applicants must also meet Capital One's creditworthiness criteria. Capital One is known for being sensitive to recent credit applications across all issuers; applying for more than 1-2 new cards in the last 6-12 months may lead to denial. Existing Capital One cardholders may be denied if they are perceived to have too many Capital One accounts or a high cumulative credit limit with the issuer. The welcome bonus is typically a one-time cash bonus awarded after meeting a specified spending threshold within the initial months of account opening.

Capital One

Annual Fee

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APR 19.99%–29.99% Variable

Quick Summary

Annual Fee Free

Rewards Cash Back

Intro APR 0% · 15 mo

Foreign Fees None

Min. FICO 670+

Network Mastercard

Card Type Credit

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