If you’re searching for a credit card that doesn’t have an annual fee and gives you cash back on regular purchases, the Capital One Quicksilver card might be a wise option. View important rates and disclosures.
With Quicksilver, youâll earn unlimited 1. 5% cash back on every purchase, every day. Thereâs no limit to how much you can earn and no minimum for how much you can redeem. Plus, there are lots of other benefits that help make Quicksilver an ideal card for everyday use.
The Capital One Quicksilver Cash Rewards Credit Card is a popular choice for many, but you might be wondering: is it hard to get? The answer is: it depends.
Here’s the lowdown:
- Credit score requirement: You’ll need good-to-excellent credit (a score of at least 690 on the FICO scale) to qualify. This is higher than the average credit score requirement for credit cards, which is around 670.
- Other factors: Capital One will also consider your income, debt, and payment history when making a decision.
- Pre-qualification: You can check if you pre-qualify for the Capital One Quicksilver card online. This doesn’t guarantee approval, but it can give you a good idea of your chances.
So, is it hard to get? It’s not impossible, but it’s definitely not a card for everyone. If you have good credit and a steady income, you have a good chance of being approved. However, if your credit score is below 690, you may want to consider a different card.
Here are some alternatives:
- Capital One Quicksilver Secured Cash Rewards Credit Card: This is a secured version of the Quicksilver card, which means you’ll need to make a security deposit. This is a good option if you have bad credit or no credit history.
- Discover it Cash Back: This card has no annual fee and offers 5% cash back on rotating categories each quarter. It also has a lower credit score requirement than the Quicksilver card.
- Chase Freedom Unlimited: This card offers 1.5% cash back on all purchases and has no annual fee. It also has a lower credit score requirement than the Quicksilver card.
Ultimately, the best way to find out if you can get the Capital One Quicksilver card is to apply. You can do this online or by calling Capital One customer service.
Here are some additional things to keep in mind:
- Be honest on your application. Don’t try to hide any negative information about your credit history.
- Check your credit report for errors. This can help improve your chances of getting approved.
- Don’t apply for too many credit cards at once. This can hurt your credit score.
Capital One Travel
Get our best deals on thousands of travel options with Capital One Travel, and take advantage of clever booking tools to ensure a smooth and seamless journey every time. 3% Plus, Quicksilver cardholders receive an infinite 5% cash back on hotels and rental cars reserved through Capital One Travel.
Tap to pay
The Quicksilver card is contactless. So you can just tap, pay and go.
Capital One Quicksilver Has 3 Huge Benefits For Beginners
FAQ
How much income do you need for Capital One Quicksilver?
What credit score do you need for Capital One Quicksilver?
How much does Capital One Quicksilver approve you for?
Is Capital One Quicksilver a good beginner card?
How does Capital One Quicksilver make money?
Here is a list of our partners and here’s how we make money. The rewards on the Capital One Quicksilver Cash Rewards Credit Card are about as simple as they come: You get 1.5% cash back on all purchases. Spend $100 at the store, get $1.50 back. Put $20,000 on the card over the course of a year, get $300 back.
Is Capital One Quicksilver a good credit card?
The Capital One Quicksilver Cash Rewards Credit Card is a flat-rate cash-back card, meaning it pays the same cash back on everything. There are no special rates or rotating bonus categories to track, and there is no limit to how much you can earn. If you prefer to carry a single credit card, this is a fine option.
How do I use my Capital One Quicksilver cash rewards credit card?
So the easiest way to get the most out of your Capital One Quicksilver Cash Rewards Credit Card is simply to use it everywhere you go, on everything you buy. If you prefer a little more complexity in your life, and would like a little (or a lot) more cash back in return for it, the Nerds can help you there, too.
Does Capital One Quicksilver have a service charge?
If you can avoid it, don’t use the Capital One Quicksilver Cash Rewards Credit Card anywhere that adds a service charge or convenience fee on credit card purchases. These fees are almost always more than 1.5%, so they’ll wipe out any cash back you’d earn.