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Capital One® Quicksilver® Card - 0% Intro APR for 15 Months

Capital One® Quicksilver® Card - 0% Intro APR for 15 Months

 

Rated 4.5/5 stars by our editorial team

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3.9/5.0 from 547 Offer Ratings
Over the Past 60 Days!

(547 ) Over the Past 60 Days!

  • Regular Purchase APR 14.49% - 24.49% (Variable)
  • Intro Purchase APR 0% intro on purchases for 15 months
  • Intro BT APR 0% intro on balance transfers for 15 months
  • Annual Fee $0
  • Credit Needed

    Excellent/Good

  • Card Brand Visa®

Highlights

Card Fees

Expert Review of the Capital One® Quicksilver® Card - 0% Intro APR for 15 Months

  • 4.0

    Regular APR

  • 5.0

    Intro APR

  • 4.0

    Fees

  • 4.5

    Benefits

  • star rating 4.5 /5

    Overall Rating

Who the card is best for

The Capital One® Quicksilver® Card - 0% Intro APR for 15 Months is ideal for people who travel outside the U.S. and want to benefit from a decent cash back card with a $0 annual fee. This card is also a good option for people looking to use this card for more than cash back since there is 0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months with 14.49% - 24.49% (Variable) after the intro period. This isn’t the longest intro period, but it can be beneficial for those looking to use this cash back card for other purposes like transferring debt or making new purchases without racking up interest.

If you’re someone with fair, bad or limited credit, you won’t have much luck qualifying for this card and may be better off with other cash back cards. Also, if you want a longer 0% intro period check out low interest cards.

Where this card stands out in its category

Most cash back cards charge a foreign transaction fee ranging from 2% to 5%, but this card has none. Therefore, it’s great for traveling outside the U.S. You’ll be able to earn cash back on all purchases without paying a foreign transaction fee.

Where this card falls short in its category

This card has a sub par cash back rate: 1.5% Cash Back on every purchase, every day. This is lower than ideal, and we consider cards like the Citi® Double Cash Card – 18 month BT offer with Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay the standard for cash back cards. You can find cash back cards with higher cash back rates on all purchases, or in select categories.

Additional card benefits

The Capital One® Quicksilver® Card - 0% Intro APR for 15 Months offers a several additional card benefits from Visa Signature®:

  • Visa Signature® Luxury Hotel Collection: Access premium benefits at over 900 properties with the Visa Signature® Luxury Hotel Collection.*
  • Visa Signature® Concierge: Available 24/7, representatives can assist you with various requests such as finding tickets and making reservations, whether you’re at home or traveling.*
  • Fine Wine & Food: At select establishments, you can access special dining and wine experiences, receive discounts or complimentary wine tastings, and more.*
  • Shopping discounts: Receive discounts at select premium retailers.*
  • Travel accident insurance: Pay for your trip with your card and you may be be covered for select accidents.*
  • Lost luggage reimbursement: You may receive up to $3,000 in coverage if your luggage is lost or stolen.*
  • Roadside Dispatch®: In the U.S. and Canada, if your car breaks down you can use 24/7 towing and locksmith referral services.*
  • Travel and Emergency Assistance Services: Representatives are available to help coordinate medical, legal, and travel services when you’re away from home.*

* Certain restrictions, limitations, and exclusions apply.

How to use it most effectively

To gain the most value from the Capital One® Quicksilver® Card - 0% Intro APR for 15 Months, use it for all purchases since you earn 1.5% Cash Back on every purchase, every day. This is a great way for you to maximize cash back on all spending. If you travel outside the U.S., it can be beneficial to use this card since unlike some other cash back cards with foreign transaction fees, there is none.

Meet the requirements of the New Cardmember Offer to earn a one-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening.

Rewards breakdown

The Capital One® Quicksilver® Card - 0% Intro APR for 15 Months offers 1.5% Cash Back on every purchase, every day. This is a decent flat-rate, and although lower than the average of 2%, it can still earn you a good amount of cash back. Cash back can be redeemed for a statement credit or check with the option to set up automatic redemption at a set time each year or when a specific threshold ($25, $50, $100 or $200) is met. Other redemption options include for previous purchases, gift cards, and more.

There is a New Cardmember Offer: earn a one-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening.

Compare it with the Capital One® QuicksilverOne® Cash Rewards Credit Card

The Capital One® Quicksilver® Card - 0% Intro APR for 15 Months and the Capital One® QuicksilverOne® Cash Rewards Credit Card are similar cash back cards with the same rewards rate and no foreign transaction fee, but they differ in credit required, annual fee, 0% intro periods, and New Cardmember Offers. The Capital One® Quicksilver® Card - 0% Intro APR for 15 Months is for people with excellent/good credit, and if you aren’t in that credit range you may have a better time qualifying for the Capital One® QuicksilverOne® Cash Rewards Credit Card for those with average/fair/limited credit.

The Capital One® QuicksilverOne® Cash Rewards Credit Card has a $39 annual fee, while the Capital One® Quicksilver® Card - 0% Intro APR for 15 Months has a $0 annual fee. This isn’t a big difference, but if you don’t want to pay an annual fee, the Capital One® Quicksilver® Card - 0% Intro APR for 15 Months is the better choice.

While the Capital One® QuicksilverOne® Cash Rewards Credit Card lacks any 0% intro periods, the Capital One® Quicksilver® Card - 0% Intro APR for 15 Months offers 0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months (after the intro period, 14.49% - 24.49% (Variable)). Therefore, the Capital One® Quicksilver® Card - 0% Intro APR for 15 Months is a good option for people looking to transfer a balance or make a large purchase.

In regards to New Cardmember Offers, the Capital One® Quicksilver® Card - 0% Intro APR for 15 Months has a one-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening, while the Capital One® QuicksilverOne® Cash Rewards Credit Card has no bonus.

Overall, you need to consider the differences in these four features before deciding on the best card for your needs. Here is an overview of the other main features of each card:

  Capital One® Quicksilver® Card - 0% Intro APR for 15 Months Capital One® QuicksilverOne® Cash Rewards Credit Card
Annual Fee $0 $39
Purchase Intro Rate 0% intro on purchases for 15 months N/A
Balance Transfer Intro Rate 0% intro on balance transfers for 15 months N/A
Balance Transfer Fee 3% $0
Regular Purchase APR 14.49% - 24.49% (Variable) 24.74% (Variable)
Rewards 1.5% Cash Back on every purchase, every day 1.5% Cash Back on every purchase, every day
New Cardmember Offer One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening No bonus
Foreign Transaction Fee None None

Bottom Line

The Capital One® Quicksilver® Card - 0% Intro APR for 15 Months is a good $0 annual fee card for people with excellent/good credit. This card earns you a decent cash back rate and is great to use when traveling abroad.

Ongoing Information

Consumer Reviews

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Offer Rating

3.9/5.0

547 Total Ratings

5 Star
 
 
(65)
4 Star
 
 
(371)
3 Star
 
 
(83)
2 Star
 
 
(20)
1 Star
 
 
(8)

Your Rating

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+515 users submitted a rating without a full review

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17 Found this review helpful

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By: | Apr 26, 2018

I just got back $150.00 cash back rewards. Other credit cards offer you discounts off products? You have to buy their product and than get a discount taken off? Just buying their product you have to pay retail price? So, What big savings are you getting? This card is much better

20 Found this review helpful

By: | Apr 19, 2018

The QuickSilver works just as advertised. I love it and have used in Istanbul already with no foreign transaction fee. And the one time $150 reward is great too. 1.5% on all purchases is perfect.

14 Found this review helpful

By: | Mar 12, 2018

Nice 1.5% on all purchases. There are cards that give 2%, but I like that there's no foreign transaction fees and when I do travel abroad, their exchange rate is awesome. Two thumbs up!

18 Found this review helpful

By: | Jan 26, 2018

I have had this Capital One card for 20 years!

53 Found this review helpful

By: | Oct 24, 2017

I can't say enough good things about this card. I received my $100 bonus immediately after spending $500 (which is not hard to do) and have also used my reward money to start a saving account.

42 Found this review helpful

By: | Sep 11, 2017

I think your card is excellent and you make it very easy to collect points. Your Card and Customer Service is 5 star.

99 Found this review helpful

By: | Apr 27, 2017

This is a great card. The cash back is very simple and easy to apply to your credit card bill. I received a pretty substantial credit limit increase without even requesting it after a few months of paying the bill on time. The interest rate isn't the greatest, but then again, neither was my credit when I applied for it. I was glad that I was approved for this card, and continue to use it regularly. Overall great card.

113 Found this review helpful

By: | Apr 22, 2017

My first credit card, no one accepted and my credit was low. I paid 3 tvs for 4 years and my credit was low at 572. I never ever been late and capitol gave me a chance. In 2 years my credit is 750 and I have all the credit cards i need. I love it, u guys are excellent!

132 Found this review helpful

By: | Apr 13, 2017

I love this card. Being able to turn the card off when not in use ia a great plus. Also i like seeing the charges on my phone right after it is approved.

186 Found this review helpful

By: | Mar 16, 2017

I like getting paid to use this card. Everything goes fast and smooth. I got the $100 bonus one day after I had charged $500. It also helped improve my FICO score. GO FOR IT

218 Found this review helpful

By: | Jan 4, 2017

I love this card. It has done wonders to my credit score, and I like getting cash back.

230 Found this review helpful

By: | Dec 6, 2016

Approved with score in low 600's and has been great for helping to rebuild my credit.

226 Found this review helpful

By: | Jul 17, 2016

Amazing card, very transparent, regular limit increase without request, i love it and will never close it

239 Found this review helpful

By: | May 18, 2016

I've been Capital One for about 3 years. Whenever I had any problem with the account including false charges or merchant disputes they were quickly taken care of. Great rewards and also excellent banking options. I pay my balance every month so interest rates don't effect my rating. I highly recommend.

228 Found this review helpful

By: | May 9, 2016

Best and easiest CC I've had so far! Easy access online, on my phone, and good with notifications if a charge seems different from my norm. Cash back is earned right away on every purchase with multiple ways to use, including applying it to your balance. And if you're like me and pay your balance in full every month, I've earned $100's off of my purchases and it hasn't cost me a dime to achieve it. I look at this card as my own little personal discount card for everything. It is a win-win for me. I like that. Note: Card info needs to be updated, as it now has the fraud chip.

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