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Why we like this card: The Capital One Quicksilver Cash Rewards Credit Card combines a strong cash-back rewards system with journey perks, making this card a contender for frequent vacationers. As an alternative of incomes miles, you earn money again that may be utilized as an announcement credit score or towards different purchases. On the similar time, you’ll additionally profit from journey perks like additional money again on accommodations and rental vehicles and no international transaction charges.
Execs
- $0 annual payment
- 0% intro APR for 15 months on purchases and stability transfers (then 19.99%–29.99% Variable)
- Limitless 1.5% money again on all purchases plus
Cons
- No mileage rewards for journey
- No bonus classes to earn additional rewards
- 3% payment on balances transferred inside the first 15 months of account opening
Capital One Quicksilver Money Rewards: Overview
APR
- Intro: 0% intro APR on purchases for 15 months (after that, the variable APR shall be 19.99%–29.99%)
- Buy: 19.99%–29.99% Variable, based mostly in your creditworthiness
- Steadiness switch: 19.99%–29.99% Variable
- Money advance: 29.99% plus a payment of $3 or 3% of the quantity of every money advance, whichever is larger
Annual payment: $0
Overseas transaction payment: 0%
Late cost payment: As much as $40
The Capital One Quicksilver Cash Rewards Credit Card is a strong alternative for anybody who will get pissed off monitoring bonus rewards classes. As an alternative of rotating classes like many different playing cards, you get a flat 1.5% money again on each buy with no cap or spending restrict, plus 5% money again on accommodations and rental vehicles booked by way of Capital One Journey. You possibly can redeem rewards for an announcement credit score or reward playing cards or use factors for purchases at Amazon or by way of Paypal.
The cardboard additionally boasts no annual or international transaction charges, journey accident insurance coverage, and 24/7 journey help to interchange your card if misplaced or stolen—all options that make the cardboard a worthy touring companion. You’ll additionally profit from Capital One’s journey perks, together with personal lounge entry and instruments that will help you get the bottom value on accommodations and flights. Prolonged guarantee safety makes it a very good possibility for large purchases as effectively.
Capital One Quicksilver Money Rewards: Rewards
The Capital One Quicksilver Cash Rewards Credit Card offers 5% money again on accommodations and rental vehicles booked by way of Capital One Journey, plus a vast 1.5% money again on each different buy. There aren’t any caps on how a lot you’ll be able to earn; the one spending restrict is your credit score line.
Rewards by no means expire, however you’ll lose unredeemed rewards if you happen to shut your account.
Does Capital One Quicksilver Money Rewards supply a bonus?
New card members can get a $200 money bonus for making complete purchases of $500 or extra inside the first 3 months after opening your account if you happen to apply by way of Capital One instantly. Be aware that earlier cardmembers or those that have obtained a brand new cardmember bonus from Capital One within the earlier 48 months aren’t eligible for this bonus.
Tips on how to redeem Capital One Quicksilver Money Rewards rewards
Money
Money-back rewards could be issued as a test by logging into your Capital One account on-line. You may also get your money rewards by test or arrange an automated redemption schedule to get checks at common intervals or if you happen to meet a sure rewards threshold.
Assertion credit score
Rewards could be utilized to your excellent stability as an announcement credit score by way of your on-line account or Capital One’s cell banking app. Nonetheless, you’ll nonetheless have to make your minimal cost, even when you have sufficient rewards to cowl your excellent stability.
Cowl your purchases
You possibly can apply your rewards to earlier purchases to assist cowl the price, though the speed for these redemptions could range, and Capital One reserves the proper to alter redemption charges at any time.
Reward playing cards
You should use rewards to buy reward playing cards by way of your on-line account or the cell app, however redemption charges could range and are topic to alter.
Amazon purchases
Should you enroll your Capital One card in Store with Factors at Amazon.com, you need to use your obtainable rewards to assist cowl the price of buying hundreds of thousands of eligible objects. Rewards get deducted from the entire buy value, and also you’ll solely pay the remaining stability. Merely select your Capital One Quicksilver Money Rewards card at checkout to see your obtainable rewards.
PayPal
Join your Capital One Quicksilver Money Rewards card along with your PayPal account to make use of your rewards while you pay with PayPal at eligible retailers. Tens of millions of on-line retailers take part, together with Apple, House Depot, and Goal.
Further advantages
Along with incomes 5% money again on accommodations and rental vehicles booked by way of Capital One Journey and 1.5% money again on each different buy, the Capital One Quicksilver Cash Rewards Credit Card provides the next advantages:
- Prolonged guarantee: Get prolonged guarantee safety on eligible objects bought along with your card.
- Capital One buying: Use this on-line device to have obtainable coupon codes robotically utilized to your orders.
- Complimentary concierge: Get 24/7 customized assist with eating, leisure, and journey.
- Journey accident insurance coverage: You’re robotically coated at no extra cost while you use your card.
- Capital One eating and leisure: Entry unique eating and leisure occasions.
Is Capital One Quicksilver Money Rewards best for you?
With $0 annual payment and strong journey advantages, the Capital One Quicksilver Money Rewards is a powerful contender if you happen to don’t like monitoring rotating rewards classes. 0% international transaction charges and 5% money again on accommodations and rental vehicles booked by way of Capital One Journey additionally enhance it as a journey card to think about.
The limitless 1.5% money again on each different buy can also be a good perk. Nonetheless, there are flat-rate cash-back rewards playing cards on the market that provide extra again.
Bank cards much like Capital One Quicksilver Money Rewards
A number of different playing cards present comparable rewards to the Capital One Quicksilver Money Rewards. Whether or not you’re in it for the journey perks or money again on different purchases, one of many following playing cards could also be a greater match.
Wells Fargo Lively Money® Card vs. Capital One Quicksilver Money Rewards
The Wells Fargo Active Cash® Card is one other flat-rate cash-back rewards card, however in contrast to the Capital One Quicksilver Money Rewards, Wells Fargo’s card offers 2% again on all purchases. It additionally has no annual payment and provides a 0% intro APR on purchases and qualifying stability transfers for the primary 15 months.
Should you’re a frequent traveler, the Capital One Quicksilver Money Rewards could also be higher if you happen to’re a frequent traveler because it provides no international transaction charges and different journey advantages. The Wells Fargo Lively Money® Card fees a 3% international transaction payment, which might eat into any journey funds.
Capital One Enterprise Rewards Credit score Card vs. Capital One Quicksilver Money Rewards
The Capital One Venture Rewards Credit Card is tempting for frequent vacationers. You possibly can rack up miles shortly with limitless rewards and 2x miles on each buy. You’ll additionally stand up to a $100 credit score for International Entry or TSA PreCheck® each 4 years while you buy along with your Enterprise card.
In fact, if you’d like cash-back rewards, the Capital One Quicksilver Money Rewards could be higher since you’ll be able to solely redeem Enterprise miles for journey. The Capital One Enterprise Rewards additionally has a $95 annual payment, in contrast to the Capital One Quicksilver Money Rewards, which has a $0 annual payment.
Citi® Double Money Card vs. Capital One Quicksilver Money Rewards
The Citi® Double Money Card is one other $0 annual payment cash-back card, boasting 2% money again versus the Capital One Quicksilver Money Rewards card’s 1.5% money again. The caveat is that with Citi’s card, you earn the two% again in two elements: 1% again while you make the acquisition and 1% again while you pay it off. Should you’re the sort to hold a stability, this will make the Capital One Quicksilver Money Rewards card a greater choose.
The Citi® Double Money Card offers an extended intro APR, with 0% for the primary 18 months, in comparison with 0% for 15 months with Capital One Quicksilver Money Rewards. However you gained’t get any journey advantages with Citi’s cash-back card, so frequent vacationers could want the Capital One Quicksilver card.
Ceaselessly requested questions
How does Capital One Quicksilver Money Rewards work?
The Capital One Quicksilver Money Rewards card provides 5% money again on lodge and rental automotive purchases made by way of Capital One Journey plus 1.5% money again on all different purchases. There’s no restrict to how a lot money again you’ll be able to earn, and money rewards can be utilized towards assertion credit, buying on Amazon or by way of PayPal, redeemed for reward playing cards, or issued as a test.
How do I get my Capital One Quicksilver Rewards money?
You possibly can redeem your Capital One Quicksilver Money Rewards money again as an announcement credit score, have rewards issued as a test, or use them in direction of eligible purchases on Amazon or when paying with PayPal.
What perks does the Capital One Quicksilver card have?
Along with cash-back rewards, the Capital One Quicksilver Money Rewards provides a number of different perks, reminiscent of no international transaction charges, prolonged guarantee safety, journey accident insurance coverage and entry to a 24/7 concierge for assist with eating, journey, and leisure reservations.
Please notice that card particulars are correct as of the publish date however are topic to alter at any time on the issuer’s discretion. Earlier than making use of, please contact the cardboard issuer to confirm charges, charges, and advantages.
The content material on this web page is correct as of the posting date; nonetheless, a few of the provides talked about could have expired.
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