To finish up our Quicksilver review, we'll compare it against other popular credit cards. Even though two cards may look similar, it pays to take a closer look at their differences to find the right one. With so many rewards cards out there, narrowing down the field is tough. While you can apply your cash back as a statement credit to cover travel expenses, you can't transfer this card's rewards to frequent flyer or hotel programs.
It also pays 1.5% back on purchases, but it comes with a $39 annual fee. Tip: Capital One also offers the QuicksilverOne card for those with fair/average credit. If you're working on building credit or you've had a few bumps because of late payments, the Quicksilver card probably isn't going to be a great fit.
The Quicksilver card has a lot to offer, but there are a few reasons why you might want to choose a different card instead.
#Capital one quicksilver visa or mastercard simulator
There's also a simulator that tells you how your score will be impacted by financial decisions. Access to credit score tracker tool: Capital One's CreditWise allows you to monitor your credit report and get updated credit scores.Or you can get credit against previous purchases or swap it for a gift card. You can get cash back in the form of a paper check or statement credit.
Flexible redemption options: You can redeem your Quicksilver rewards a few different ways.That way, there's no pressure to use them right away and you can let your rewards pile up. No rewards expiration dates: Your Quicksilver cash back rewards never expire as long as your account remains open and in good standing.No foreign transaction fee: You can take this card on vacation without worrying about the extra 3% foreign transaction fee that many other cards impose for purchases abroad.You can earn rewards without paying an annual fee to use it. No annual fee: The Quicksilver card has no annual fee.This is good if you're planning to buy something big. After that, the APR ranges from 15.24% - 25.24% (Variable) based on your credit. 0% APR promotion: This card offers an introductory 0% interest on purchases and balance transfers for 15 months.There's no limit to how much you can earn. Unlimited 1.5% cash back: Unlike other cash back cards that require you to sign up for bonus categories, the Quicksilver card pays a flat 1.5% cash back on every dollar you spend.That's a much lower minimum spending limit compared to what some other cash back cards require for their bonuses. $200 bonus: The Quicksilver card gives you a $200 cash back bonus when you spend $500 in the first three months.We've highlighted top reasons why you'd want to use the Quicksilver card: We're also unable to transfer balances from bank accounts, personal loans, finance agreements or catalogue accounts.Good cash back credit card for non-travelers Reasons to Get the Card Any balance transferred to your Capital One account is your responsibility.īalances can't be transferred between Capital One credit card accounts or from a Capital One loan. It's then up to you if you want to close the account from where you've transferred the balance. You should carry on making payments on your other credit cards until we can confirm your balance transfer has been successful. The minimum amount you can transfer is £50. The amount you can transfer depends on how much of your credit limit is available on the Capital One card. Have your credit card or store card handy, as well as your Capital One card, as we'll need these card details. To transfer a balance from a credit card or store card to your Capital One card, you should call us. A balance transfer is when you to move any balances that you may have on other credit or store cards onto your Capital One card.
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