How to apply for the Capital One Quicksilver
Checking eligibility, getting the bonus and setting up your card
The Capital One Quicksilver Cash Rewards Credit Card is a no-annual-fee card that earns a flat 1.5% cash back on every purchase. This guide covers who the card suits, how to check your eligibility and apply, how your credit limit works and what to set up once you’re approved.
Who is the Quicksilver card for?
The Quicksilver suits people who want the same cash back rate on everything, without tracking categories or activating offers. Groceries, gas, online shopping and subscriptions all earn 1.5%, so it works well as a card for everyday spending.
It’s also a good fit if you’re planning a larger purchase or want to move a balance, thanks to the 15-month 0% intro APR, or if you travel abroad, since there are no foreign transaction fees. Capital One lists the card for applicants with excellent credit.
The card at a glance
- Annual fee: $0
- Rewards: unlimited 1.5% cash back on every purchase; 5% on hotels, vacation rentals and rental cars booked through Capital One Travel and 5% through Capital One Entertainment
- Welcome bonus: $200 after spending $500 on purchases within 3 months of account opening
- Intro APR: 0% on purchases and balance transfers for 15 months, then 18.49% to 28.49% variable
- Balance transfer fee: 3% during the first 15 months, 4% on later promotional transfers
- Foreign transaction fee: none
Terms checked in September 2026. Capital One may change its offers, so confirm the current rates and fees on its official website before you apply.
How to apply for the Quicksilver card
- On the Quicksilver page on Capital One’s website, select Check My Eligibility. You’ll see offers you may qualify for in about 90 seconds, with no impact on your credit score.
- If you want the $200 bonus, apply through the Apply Now button on the card’s page. Capital One says the bonus may not be available if you navigate away from that page.
- Fill in the application with your personal and financial information, including your Social Security number, home address and estimated gross annual income.
- Review the rates, fees and terms, then submit your application.
Submitting a full application usually results in a hard inquiry on your credit report. If you’ve received a new cardmember bonus for the Quicksilver in the past 48 months, you won’t be eligible for it again.
What is the credit card limit?
Your credit limit is set when you’re approved, based on your credit profile and income. Capital One doesn’t publish a minimum or typical limit for the Quicksilver.
After a period of on-time payments and responsible use, you can request a credit line increase through Capital One’s website or mobile app, and Capital One may also review your account for an increase on its own. An increase isn’t guaranteed.
After you’re approved
Download the Capital One mobile app to track spending, check your balance, make payments and redeem rewards. Then take care of two things early on:
- Reach the $500 bonus requirement within 3 months through your normal spending, without buying things you wouldn’t otherwise buy.
- If you’re using the intro APR, divide your balance by 15 to see the monthly payment that clears it before the standard rate applies.
Frequently asked questions
[expansivel titulo=”How do I earn the welcome bonus?” cor_fundo=”#a6b0bf” cor_texto=”#000000″ cor_borda=”#b8daff” cor_bg=”#ffffff”]Spend $500 on purchases within 3 months of opening your account. The $200 bonus is available through the Apply Now button on the card’s page, and it isn’t available to anyone who received a Quicksilver new cardmember bonus in the past 48 months.[/expansivel]
[expansivel titulo=”Do the cash back rewards expire?” cor_fundo=”#a6b0bf” cor_texto=”#000000″ cor_borda=”#b8daff” cor_bg=”#ffffff”]No. Rewards don’t expire for the life of the account, and you can redeem them in any amount.[/expansivel]
[expansivel titulo=”Does checking my eligibility affect my credit score?” cor_fundo=”#a6b0bf” cor_texto=”#000000″ cor_borda=”#b8daff” cor_bg=”#ffffff”]No. Capital One’s eligibility check shows you offers with no impact on your credit score. A full application usually results in a hard inquiry.[/expansivel]
[expansivel titulo=”Can I use this card outside the U.S.?” cor_fundo=”#a6b0bf” cor_texto=”#000000″ cor_borda=”#b8daff” cor_bg=”#ffffff”]Yes. The Quicksilver doesn’t charge foreign transaction fees on purchases made outside the United States.[/expansivel]
[expansivel titulo=”How can I redeem my cash back?” cor_fundo=”#a6b0bf” cor_texto=”#000000″ cor_borda=”#b8daff” cor_bg=”#ffffff”]You can get a check, apply it as a statement credit, use it to cover a recent purchase or redeem it for gift cards. Statement credits lower your balance but don’t count toward your minimum payment, and redemption rates for gift cards may vary.[/expansivel]
How to contact Capital One
For questions about your Quicksilver account, call Capital One at 1-800-227-4825 (1-800-CAPITAL) or the number on the back of your card. You can also get help through the Capital One mobile app or by signing in to your account online.
Opinion about the card
The Quicksilver offers simple, predictable rewards with no annual fee, an easy welcome bonus and a useful intro APR. Check your eligibility first, apply through the card’s page if you want the bonus, and pay your balance in full once the intro period ends so interest doesn’t cancel out your 1.5%.
Click the button below to be redirected to Capital One’s official website, where you can check your eligibility and apply.
*You will be redirected to Capital One’s website*
Terms and conditions apply. Rates and offers may change.
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