Review: Capital One Quicksilver

The Capital One Quicksilver Rewards Card is a money again bank card that offers you a 1.5% money again rebate on your whole card purchases. That is true no matter what you buy, and there aren’t any spending caps, which means you’ll get that very same 1.5% money again charge regardless of how a lot you spend with the cardboard. (Some bank cards supply money again charges that go down after you’ve spent a certain quantity per yr or per quarter.)

It’s also possible to earn a $100 bonus in the event you spend not less than $500 with the cardboard within the first three months you’ve gotten it, which is a reasonably do-able hurdle for many cardholders.

There isn’t a annual charge for the Quicksilver Rewards Card, and it has an rate of interest of 13.74%, 18.74%, or 23.74%, relying in your credit score historical past. You do get a 0% charge on each purchases and stability transfers for the primary 9 months after you open your account. There’s a 3% charge on stability transfers, nevertheless. (For instance, in the event you switch a $2000 stability from one other card to this one, you’ll pay a $60 charge to take action.) Capital One doesn’t cost additional charges on purchases made outdoors of the USA (often known as overseas transaction charges) on any of its bank cards.

Total, we just like the Capital One Quicksilver Rewards Card quite a bit. It’s a beneficiant reward, it’s straightforward to grasp, and you may redeem your rewards at any time for any quantity. In the event you test our Cash Back Credit Cards page, you’ll discover that there are different playing cards that might provide you with a bit increased money again, particularly if you are going to buy in sure shopping for classes, however this can be a superb on a regular basis bank card.

NOTE: In case your credit score is just not adequate to qualify for this card, chances are you’ll be supplied the QuicksilverOne Card that additionally gives 1.5% money again on all of your purchases however has a $39 annual charge and a 24.99% rate of interest. It has no bonus alternative.