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- Capital One Quicksilver Cash Rewards Credit Card
Best for intro APR on balance transfers and purchases with ongoing value
- 0% Intro APR (then variable APR)Balance Transfer Offer
- 15 monthsBalance Transfer Duration
- 19.99%–29.99% VariableAPR
- 3% of the amount transferred that posts on your account during the first 15 monthsBalance Transfer Fee
- Good–ExcellentRecommended Credit
The Capital One Quicksilver Cash Rewards Credit Card is tailor-made for those who value simplicity and value. Ideal for daily expenditures and globe-trotting adventures, its user-friendly cash back structure and zero foreign transaction fees offer many opportunities for rewards. Travel enthusiasts will also appreciate unique savings on hotel stays and car rentals. Moreover, the card rewards patience with an extensive interest-free phase. However, prospective cardholders should note that while this card has many advantages, obtaining approval might be difficult for those with mediocre credit, and there's a possible APR increase after the welcome period ends.
Capital One Quicksilver Cash Rewards Credit Card Overview
Evaluating the nuanced features of a credit card is crucial when deciding if a card is right for you; each card offers a blend of benefits and potential pitfalls tailored to different consumer needs.
- Rewards rate: Earn 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel.
- Welcome offer: Earn $200 after spending $500 in the first three months.
- Regular APR: 19.99% to 29.99% (Variable)
- Annual fee: $0
- Intro APR offer: 0% APR on purchases and transfers for 15 months, then 19.99% to 29.99% (Variable) after that.
Important Card Details
Navigating the landscape of credit card offerings can be overwhelming, with each card touting a unique set of benefits and potential drawbacks. Our detailed examination of the Capital One Quicksilver Cash Rewards Credit Card offers insights into its day-to-day value, sign-up incentives, redemption flexibility and travel-related perks, clarifying where it excels and areas where other options are better.
Cash Back Rewards
When it comes to earning potential, the Capital One Quicksilver Cash Rewards Credit Card stands out. Its 1.5% cash back on every purchase ensures consistent reward accumulation, eliminating the guesswork often associated with fluctuating reward rates. This card also allows you to earn 5% cash back when booking hotels and car rentals through Capital One Travel. This rate is notably high, making the card an attractive choice for travelers.
Fees
One of the standout features of this card is its no annual fee offering. This means you can enjoy the card's benefits without any yearly cost. Additionally, globetrotters will appreciate the absence of foreign transaction fees, which can otherwise eat into your savings when traveling abroad.
0% APR
This card's introductory 0% APR for both purchases and balance transfers for 15 months is a game-changer, especially if you're eyeing a big purchase or looking to consolidate debt from high-interest cards. This period allows you to carry a balance without incurring interest, providing financial breathing room. However, always remember that after the introductory period, the variable APR can range from 19.99% to 29.99%. You will also have to pay a 3% fee on balance transfers.
Other Features
Beyond its cash back and fee structure, this card goes the extra mile with perks, including complimentary Uber One membership credits for up to six months. For regular Uber users, this can lead to substantial savings. Plus, the card simplifies earning by eliminating the need for rotating categories or sign-ups to earn rewards. The fact that your earned cash back won't expire as long as the account remains active also ensures long-term flexibility in redeeming your rewards.
How the Capital One Quicksilver Cash Rewards Credit Card Compares
When choosing between credit cards, a side-by-side comparison can illuminate subtle differences and help determine which aligns best with your financial habits and goals.
How This Card Compares
- Rewards rate: Earn 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel.
- Welcome offer: Earn $200 after spending $500 in the first three months.
- Regular APR: 19.99% to 29.99% (Variable)
- Annual fee: $0
- Intro APR offer: 0% APR on purchases and transfers for 15 months, then 19.99% to 29.99% (Variable) after that.
- Best for: Intro APR on purchases, balance transfers and flat rewards.
- Rewards rate: Earn 1% cash back on general purchases (excludes gift cards) and 1% additional cash back as you pay off those purchases
- Welcome offer: None
- Regular APR: 19.24% to 29.24% (Variable)
- Annual fee: $0
- Intro APR offer: None
- Best for: Individuals prioritizing consistent cash back on spending and payments without the hassle of tracking categories or an annual fee.
About Grace Pilling
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