You can watch a thematic videoCapital One Quicksilver Card Review - Great Card For Lower Credit Scores
What Credit Score Is Needed for a Capital One Quicksilver?
Are you thinking about applying for the Capital One Quicksilver card?
The minimum recommended credit score for this credit card is
How to Increase Your Chances of Getting Credit score for capital one quicksilver for a Capital One Quicksilver
Getting approved for a credit card requires a little planning. Most credit card offers require very good credit. When applying for new credit, its important to know your credit scores and whats on your credit reports.
Credit card issuers want to see a strong credit history, steady income, and low credit utilization. If youre using too much of your existing revolving credit, its a sign that you may not pay them back. Its also important to make sure that you havent applied for too much credit in the recent past. Having too many credit inquiries can lessen your chances of getting approved.
Need help improving your credit score?
One of the best ways to improve your credit scores is by removing negative items from your credit report. Lexington Law can help you dispute (and possibly remove) the following items:
- late payments
- charge offs
They have over 28 years of experience and have removed over 7 million negative items for their clients in alone. So if youre struggling with bad credit and want to increase the likelihood of getting approved for new credit, give them a call at () for a free credit consultation.
Credit score needed for the Capital One Quicksilver Cash Rewards card
The Capital One Quicksilver Cash Rewards Credit Card is one of the best flat-rate cash back credit cards on the market. With unlimited % cash back on every purchase, a $ sign-up bonus for new cardholders who spend $ in the first three months and zales comenity credit card months of 0% intro APR on balance transfers credit score for capital one quicksilver purchases (then % to % variable APR), this card offers you obie trice album cheers of opportunities to maximize your rewards.
However, Capital One doesnt offer these opportunities to everyone who applies for the card. The Capital One Quicksilver Cash Rewards card is designed for people who have established excellent credit history and built a credit score to match –which is why its a good idea to know what credit score you need for the Quicksilver Cash Rewards card before you apply.
Lets take a close look at what credit score you need for the Capital One Quicksilver Cash Rewards credit card – and what you can do if your credit isnt quite there yet.
What credit score do I need to get the Capital One Quicksilver Cash Rewards card?
According to Capital One, you need excellent credit to get approved for the Capital One Quicksilver Cash Rewards card. Our research indicates that you might be approved for the Capital One Quicksilver Cash Rewards if you have either good or excellent credit – a FICO credit score of toin other credit score for capital one quicksilver – which gives you a slightly wider range of credit score options.
If you are at all concerned about having your credit card application declined, you might want to wait until you have excellent credit to apply for the Capital One Quicksilver Cash Rewards card. If you are less worried about having your application declined, you can try applying with good credit and see what happens.
Capital One also offers a preapproval tool to help you decide which of its credit cards might be a good fit.
How can I improve my score to get this card?
The best way to boost your credit score quickly is by paying off as many of your outstanding balances as possible (if you have any outstanding bills) and making sure you never miss a credit card payment. These two credit-building habits could be enough to take your credit score to the next level, especially if you are currently carrying a lot of credit card debt. Remember, 30% of your FICO credit score is based on the amount of money you owe your creditors – so the more debt you credit score for capital one quicksilver pay off, the higher your credit score can go.
Want to boost your credit score even further? Use a credit-building app that tracks your credit score, evaluates your recent credit activity and offers suggestions for improvement. CreditWise® from Capital One® is a great option – plus, its free and available to anyone who applies. You dont need a Capital One credit card to access this useful credit-building tool, and it could help you build your credit to the point where youll be eligible for the Capital One Quicksilver Cash Rewards card.
What can I do if Capital One declines my application?
If Capital One declines your Quicksilver Cash Rewards application, you have options. Depending on your credit score, you might be eligible for the Capital One Quicksilver Cash Rewards for Good Credit. This card is designed for people whose credit is good but not yet excellent, and it is a stripped-down version of the Quicksilver Cash Rewards card with % cash back on every purchase and no annual fee. However, you wont be eligible for a sign-up bonus or a 0% intro APR.
The Capital One QuicksilverOne Cash Rewards Credit Card also offers % cash back on every purchase and is designed for people with fair or average credit. Thats a FICO credit score between and Youll need to pay a $39 annual fee to access the Capital One QuicksilverOne Cash Rewards card, and you wont get a sign-up bonus or a 0% intro APR, but the QuicksilverOne is still a great way to earn cash back rewards while improving your credit.
The Capital One Quicksilver Cash Rewards card is one of todays top credit cards – which is why Capital One can afford to be a little choosy about cardholder eligibility. If your FICO credit score is belowyour Capital One Quicksilver Cash Rewards application may be declined.
Whats the best Capital One Quicksilver Cash Rewards credit card credit score? If your FICO credit score is aboveyou might be accepted for the card depending on other factors such as income. If your FICO credit score is above – or better yet, above – you may be more likely to be accepted for the Capital One Quicksilver Cash Rewards.
The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.
Nicole Dieker is a freelance writer with a focus on personal finance and habit formation. She spent five years as a writer and editor at The Billfold, a personal finance site where people had honest conversations about money, and she regularly teaches classes on how to build your income as a freelancer.
Capital One Quicksilver Cash Rewards Credit Card review
Best for % cash back
Capital One Quicksilver Cash Rewards Credit Card
Regular APR% - % (Variable)
Recommended Credit ScoreGood to Excellent ( - )
Capital One Quicksilver Cash Rewards Credit Card Overview
The Capital One Quicksilver Cash Rewards Credit Card is a mainstay in the world of flat-rate rewards cards. It earns cash back on all purchases with no annual fee or foreign transaction fees, which makes it a great all-rounder for any budget.
You might be a great fit for this Capital One credit card if your spending doesn’t fit bonus categories’ terms neatly. However, cash back cards with bonus categories could be much more rewarding if you maximize your spending.
Continue reading our Capital One Quicksilver review to see whether this flat-rate card deserves a spot in your wallet.
What are the pros and cons?
- No annual fee and no foreign transaction fees
- month, 0 percent introductory purchase and balance transfers APR
- Solid travel and shopping protections through Capital One and Visa
- Ongoing percent to percent variable APR could be higher than competing cards’ interest rates
A deeper look into the current card offer
- Rewards rate: Unlimited percent cash back on all purchases
- Welcome offer: $ cash bonus after spending $ on purchases within the first three months
- Annual fee: $0
- Purchase intro APR: 0 credit score for capital one quicksilver for the first 15 months
- Balance transfer intro APR:0 percent for the first 15 months
- Regular APR: percent to percent variable
Current welcome bonus
As a new cardholder, you can earn $ in cash rewards after spending only $ on purchases within your first three months.
A $ value is on par with other average no annual fee cash back cards’ sign-up bonuses. Granted, this isn’t a cash back jackpot, but it’s an easy-to-reach payday considering a $ spending requirement is typically one of the lowest you’ll find.
Cash rewards rate
The Capital One Quicksilver is a prime example of a flat-rate cash back card, which—compared to bonus category cards—are the most simple and accessible type of rewards credit card.
A card like Quicksilver could be a perfect fit if you prefer a streamlined rewards experience over higher maintenance credit cards.
But be careful—although it looks like a starter credit card, you actually need good to excellent credit to qualify. Capital One has plenty of other solid options if you’re building credit or have at least fair credit, including the Capital One QuicksilverOne Cash Rewards Credit Card, which offers the same rewards rate as the Quicksilver, but for a $39 annual fee.
Earning cash back
The Quicksilver is a great rewards card if many of your expenses fall outside the usual bonus categories, such as superstore purchases, a range of online shopping retailers and bill payments.
Its unlimited percent cash back on all purchases can make this card a valuable partner—especially if you regularly spend beyond bonus categories’ reward spending caps.
Redeeming cash back
You can redeem your cash back rewards for hard cash in the form of a check, or you can receive it as a statement credit. Cash back can also be used to cover recent card purchases, online purchases at checkout on knensi.us and PayPal or equivalent gift cards.
In the spirit of making things a little easier, you can also choose to receive your cash back automatically at a set time each year or at a certain cash value. That way, you don’t have to track your rewards balance.
How much are the rewards worth?
The percent cash back rate means that every dollar you spend will net you cents.
Capital One cash back is also one of the few reward currencies to maintain a consistent value across all redemption options. Even when used to “shop with points” on Amazon or PayPal, your cash back keeps its full value.
By comparison, Chase Ultimate Rewards points drop to cents each and Amex Membership Rewards points are worth only cents apiece in this manner.
Other cardholder perks
Despite appearing as a no-frills, no annual fee card, the Quicksilver carries a host of standard Capital One travel and shopping perks, plus other Visa benefits.
The Quicksilver card comes with a healthy spread of travel and shopping protections for a no annual fee card.
Virtual credit card numbers through the Eno assistant app can guard your real card data while you shop online, and extended warranty protection, travel accident insurance and auto rental collision damage insurance can keep you covered when you pay with your card.
You’ll be able to snag exclusive travel and entertainment opportunities like pre-sale tickets through Capital One Access. Plus, you can access a variety of 24/7 services like travel and roadside assistance and complimentary concierge assistance.
Visa card perks
Depending on your credit limit, your Quicksilver can either be a standard Visa Platinum or Visa Signature card, which both provide an array of benefits. Just check with your guide to benefits when you receive your card so you know your specific list of features.
On top of the aforementioned auto rental and extended warranty coverage with Visa Platinum cards, additional Visa Signature credit card perks include price protection, trip cancellation/trip interruption insurance and baggage delay and loss reimbursement.
Rates and Fees
If you want a low-maintenance credit card, the Capital One Quicksilver doesn’t have many ongoing fees to keep track of. There is no annual fee and there are no foreign transaction fees in case you plan to travel.
The month zero-interest intro APR on purchases and balance transfers can make it even easier to curb extra costs ( percent to percent variable APR ongoing for purchases). The balance transfer fee: 3% of the amount of each amazon uk login my account balance that posts to your account during the first 15 months that your account is open or at a promotional APR that we may offer you at any other time.
First-year card value vs. ongoing value
Besides the benefits previously mentioned, any ongoing value after your first year will be solely rooted in your rewards and any personal value from the simplified spending and rewards style.
There are no card costs to recoup since there’s no annual fee. This is helpful considering that flat-rate cards with lower cash back rates typically require you to spend more than cards with boosted category rewards in order to pocket rewards beyond the yearly price tag.
Unless your spending regularly exceeds typical bonus categories’ spending limits, your favorite merchants and biggest expenses aren’t covered by standard bonus categories or you only plan to use one rewards card for everything, you might want to consider a card with more valuable reward rates and perks.
|Welcome offers||+$ (after spending $ on purchases within the first three months)||—|
|Perks (of monetary value)||N/A||N/A|
|Total value of intro purchase APR**|
Capital One Quicksilver Cash Rewards Card Review: Final Thoughts
If youre in the market for a good cash back card, the Capital One Quicksilver Cash Rewards Card fits the bill. With unlimited % cash back on all purchases, this card offers a good cash back return while keeping things simple.
There is no annual fee, and you can even take advantage of a month introductory 0% Church food pantry near me open today on purchases and balance transfers (adjusting to %% variable APR after that). On top of that, they practically pay you to try it out. Earn a $ early spend bonus when you make just $ in purchases with the card during the first three months.
Seriously, it doesnt get any easier than that!
Earn Unlimited % Cash Back With the Capital One Quicksilver Cash Rewards Credit Card, you earn an unlimited % cash back on every purchase, every day. Learn how to apply here.
To see rates and fees for the American Express cards featured here, please use the following links: Blue Cash Preferred Card from American Express: See Rates and Fees.
Capital One Quicksilver Cash Rewards Credit Card Review
- Welcome Bonus
- Rewards Flexibility
- Cash Back Value
- Additional Benefits
Capital One Quicksilver Cash Rewards Credit Card Review
The Capital One Quicksilver Cash Rewards Card is one of the top cash back rewards cards on the market. With unlimited % cash back on all purchases, this card offers a good cash back return while keeping things simple. There is no annual fee, and you can even take advantage of a month introductory 0% APR on purchases and balance transfers. (The rate adjusts to %% variable APR after the intro period.)
The welcome bonus is also a great incentive. Youll earn $ in cash back when you make just $ in purchases during the first three months you have the card.
Overall, if youre looking for a simple cash back card with solid cash back earnings potential, this one fits the bill. Learn More Here.
Capital One QuicksilverOne Cash Rewards Credit Card Review
Capital One QuicksilverOne Cash Rewards Credit Card vs. Petal® 2 Cash Back, No Fees Visa® Credit Card
If your credit is in the fair range or you simply don’t have much of a credit history to speak of, the Petal 2 Visa Credit Card (issued by WebBank, Member FDIC) could be a better option. It doesn’t charge an annual fee, making it a viable option for those new to credit.
You’ll start out earning 1% cash back on eligible purchases right away and up to % cash back on eligible purchases after making 12 on-time monthly payments. Plus, earn 2% - 10% cash back at select merchants.
Capital One QuicksilverOne Cash Rewards Credit Card vs. Apple Card*
The Apple Credit Card is a tasty option for someone who typically uses a mobile wallet to pay for their purchases. That’s because the card earns 3% cash back on purchases at Apple and other select vendors, 2% cash back on all purchases made on the card via Apple Pay and 1% cash back on all other purchases.
There’s no annual fee for the card and the accompanying app has some neat visual features designed to incentivize users to pay down their debt faster. But if you don’t have an iPhone or iPad and/or you rarely use Apple Pay, this card isn’t a fit.
Capital One QuicksilverOne Cash Rewards Credit Card vs. Discover it Secured Credit Card
Unlike many of the other secured cards on the market, the no-annual-fee Discover it Secured Credit Card lets you earn cash back rewards while working towards a stronger credit profile. The card earns 2% back at gas stations and restaurants on up to $1, in purchases each quarter and an unlimited 1% cash back on all other purchases. In lieu of a traditional up-front welcome bonus, at the end of the first year, Discover will automatically match all the cash back youve earned.
The issuer will also review your card usage starting at seven months to see if you qualify to graduate to an unsecured card and have your deposit returned to you. These attributes make it stand tall among its peers and may be more rewarding for you than the QuicksilverOnes annual fee and straight % cash back.
What Is the Capital One Venture Credit Score Needed for Approval?
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The Capital One Venture Rewards Credit Card is an easy travel card to have in your wallet, thanks to its ability to earn unlimited 2x miles on every single purchase. Plus, you can enjoy perks like a fee credit of up to $ for Global Entry or TSA PreCheck, the ability to use your miles to pay for Amazon purchases, and the flexibility to transfer rewards to travel partners or redeem rewards for flights.
If you have excellent credit, this card may be perfect for you.
Even better, new Capital One Venture Rewards Credit Card cardholders can earn 60, miles after spending $3, on purchases in the first 3 months.
Learn more: Travel Rewards Credit Cards
Side note—this travel credit card favorite is also frequently compared to another favorite metal travel card, the Chase Sapphire Preferred® Card. You can see how they compare in this Chase Sapphire Preferred vs Capital One Venture review.
Although Capital One recommends having an excellent credit score, your credit might be less than perfect. You should never apply for a new credit card without knowing your credit score first. Here are some of the best places to get a free credit score if you arent sure what yours is.
What Is Good To Excellent Credit Score?
Capital One defines good to excellent credit as:
- Never declaring bankruptcy or defaulting on a loan
- Not more than 60 days late on a credit card, loan, or medical bill in the past year
- Had a loan or credit card for 3 years or more with a credit limit above $5,
How hard is it to get the Capital One Venture credit card? If you meet these three conditions, your Capital One Venture approval odds are very high. Of course, there are no guarantees that you will be approved if you have an excellent credit score. Having good to excellent credit means your credit score is at least
When your credit score is higher thanyou can apply for the Capital One Venture Rewards Credit Card, one of the best credit cards for excellent credit scores.
What Others Are Saying About Capital One Venture Credit Score
Should you apply for the Capital One Venture if you don’t have a credit score? Below are a few experiences from applicants without a credit score.
Easims states, “I applied for the Venture card with a TU (TransUnion) score and a EQ (Equifax) score. I was not accepted immediately but after a short phone call to Capital One customer service…I was accepted for the card and given a $15, credit limit!”
Nirrol Smith plantation style homes for sale in south carolina, “When I applied my Transunion score on Credit Karma was showing and Equifax and I was instantly approved for a $12, limit.
An anonymous cardholder says, “Approved for a surprisingly high credit limit at 30k. I have a FICO and k income.”
For one final reference, RJEngle said, “Applied and instant approval. I did credit score for capital one quicksilver the preapproval on Capital One’s website before applying. Just a year and a half ago I was denied for this card. Happy to finally qualify FICO 8 scores: TransUnion:Equifax:Experian: ”
Learn more: Rewards Credit Cards
Credit Card Score Needed For the Capital One Venture
Based on the user testimonials, at least one of your credit scores needs to be at least Applicants with a score of at least appear to have the best chances at instant approval. When your credit score is between andyour approval odds increase greatly if its at the higher end of the spectrum. Of course, there are no guarantees that you will be approved if you have an excellent credit score.
So you don’t waste a card application because your credit score is right aroundyou might see if you can get credit card pre-approval for the Capital One Venture Rewards Credit Card first. Capital One may have even taken the initiative to send you a mail offer stating you’re pre-approved.
If your card application isn’t instantly approved, you should call Capital One if you don’t receive a decision within 48 hours. Many credit card companies delay applications of candidates with borderline credit. To help them decide sooner instead of later, you can call the company and tell them your projected monthly spending.
Capital One Venture Credit Limit
Your new credit limit will depend on your credit profile. Since the Capital One Venture is a Visa Signature card, your minimum credit limit will be $5,
Well-qualified applicants mentioned their credit limit was as high as $30, Other applicants with credit scores between and were assigned limits of at least $10, Getting the highest credit limit possible keeps your credit utilization ratio lower to help increase your score too.
Capital One Venture Rewards Credit Card Benefits
If you qualify for the Capital One Venture Rewards Credit Card, you will enjoy the following benefits:
- 2x miles on every $1 spent
- Redeem miles for travel statement credits and future award travel
- Receive up bank of the west 800 number $ application fee credit for Global Entry or TSA PreCheck
- $95 annual fee
New Capital One Venture Rewards Credit Card cardholders can earn 60, miles after spending $3, on purchases in the first 3 months.
Learn more: Travel Rewards Credit Cards
Redeeming Capital One Venture Miles
The information for the Capital One Spark Miles Select for Business has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
With the Capital One Venture Rewards Credit Card, there are no blackout dates. Capital One also announced that Capital One Venture Rewards cardholders (as well as Capital One VentureOne Rewards Credit Card, Secrets san jose del cabo One Spark Miles for Business, and Capital One Spark Miles Select for Business cardholders) can credit score for capital one quicksilver transfer their miles to leading travel loyalty programs. Your miles wont expire as long as the account is open. There is no limit on how many miles you can earn.
You can use your miles to purchase all or part of a travel purchase. Plus, there arent any redemption minimums. If you make a $ hotel purchase, you can use your miles balance for the credit score for capital one quicksilver purchase or for a portion.
The same can be said for small in-flight umpqua bank online mortgage payment for only a few dollars. Where other rewards cards walmart bank checks a minimum $20 redemption requirement, the Venture card is extremely flexible. This first volunteer bank south pittsburg tennessee why it is one of the best Capital One credit cards.
What To Do If You Don’t Qualify For The Capital One Venture
If your credit score is still in the s, you might consider applying credit score for capital one quicksilver the Capital One VentureOne Rewards Credit Card instead. You only need average credit for the VentureOne (also one of the easiest credit cards to get approved for). It can be a better option if youve experienced these credit events:
- Defaulted on a loan in the past five years
- Owned a credit card or other credit for three years or less
The VentureOne earns x miles on every dollar spent and doesn’t have an annual fee. Although you won’t be earning as many miles per dollar, you can still own a Venture product and build your credit history.
Once your score goes above the range, you can consider upgrading to the Venture Card and begin earning 2x miles on every dollar spent.
Related: Capital One Venture vs VentureOne Review
So what credit score is needed for the Capital One Venture Card? You should only apply when your credit score is at leastbut preferably or higher. Once you qualify for the Capital One Venture Card, youll begin earning 2x rewards miles on every purchase. If you must wait until your credit score grows, VentureOne is a great secondary option. Of course, there are no guarantees that you will be approved if you have an excellent credit score.
Learn more: Travel Rewards Credit Cards
Chase Sapphire Preferred Card
- Earn 60, bonus points after you spend $4, on purchases in the first 3 months from account opening. That's $ when you redeem through Chase Ultimate Rewards®.
- Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on southwest national bank wichita purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60, points are worth $ toward travel.
- With Pay Yourself Back, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
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The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
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