So, if you think you’ll want to grab up multiple Capital One cards, you’ll want to do your research ahead of time to ensure you get the best cards for your purchasing needs. While Capital One’s card selection can be tempting, remember that you can only have two Capital One credit cards at any given time. Part of how the bank has achieved its credit card success is by offering credit cards designed with the consumer in mind, providing things like blackout-free travel and unlimited cash back that truly appeal to potential cardholders. Unfortunately, while the Capital One QuicksilverOne Cash Rewards Credit Card offers the same cash back on new purchases, it doesn’t offer a signup bonus.įor a relatively young company, Capital One has certainly made its mark on the consumer credit world, earning its spot as one of the top 10 credit card issuers in the world. To become eligible for the signup bonus, simple meet the easily-attainable minimum spending requirement within your first 90 days. The card also has a long introductory 0% APR offer, with a 16.49% - 26.49% (Variable) APR after that. To really make the most of your rewards, you can also take advantage of the Capital One Quicksilver Cash Rewards Credit Card card’s signup bonus, which offers a lump sum of cash back rewards. Even better, those rewards are completely unlimited, with no quarterly or annual spending caps to cut your earnings short. Rather than making you remember special bonus categories or requiring you to activate - and track - rotating rewards, both cards provide simple, flat-rate 1.5% cash back rewards on every purchase. But few are as simple and straightforward as the rewards offered by the Capital One Quicksilver Cash Rewards Credit Card and Capital One QuicksilverOne Cash Rewards Credit Card cards.
In the modern credit card market, a well-qualified candidate can choose from dozens upon dozens of rewards credit cards, each with its own bells and whistles. The Capital One QuicksilverOne Cash Rewards Credit Card provides the same unlimited rewards as its sibling, but accepts riskier applicants thanks to its higher APR and annual fee. Pre-approval uses a soft credit inquiry to estimate your approval chances and won’t impact your credit.įor prospective cardholders who don’t qualify for the Capital One Quicksilver Cash Rewards Credit Card based on their credit scores, the Capital One QuicksilverOne Cash Rewards Credit Card may be a good option. If you’re worried your score won’t be enough to earn a Capital One Quicksilver Cash Rewards Credit Card you can check for pre-approval before officially applying. The average limit for a cardholder with a credit score below 650 was around $3,000, while those with scores above 650 averaged closer to $7,000, and the very best scores over $9,000. In the article below, we explore the Capital One Quicksilver Cash Rewards Credit Card, credit score considerations, and look at a few other cards that may be worth considering as well.Īs shown in the graph from Credit Karma, the average Capital One Quicksilver Cash Rewards Credit Card cardholder has a credit score above 700.That being said, even if your credit score is enough to get you approved, a lower credit score may not result in the best of credit limits. While the card requires good to excellent credit, its sibling, the Capital One QuicksilverOne Cash Rewards Credit Card card is available to a wide range of credit types. In another consumer-centric move, Capital One doesn’t limit rewards to its most qualified applicants, either.
The card issuer has also worked to simplify credit card rewards in other ways, namely through its Capital One Quicksilver Cash Rewards Credit Card, which provides a flat-rate earnings structure that makes earning rewards simple. While typically considered to be a risky business model, Capital One found success by offering products designed with specific consumers in mind.įor instance, Capital One was among the first major issuers to offer blackout-free travel rewards through its popular Capital One Venture Rewards Credit Card.
When Capital One was established in 1994, it was a monoline bank, with all of its revenue coming from its line of credit cards.
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