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Customization: You can customize your account from the Capital One mobile app.They even offer a personal digital assistant called “Eno ” You also can access your TransUnion and Experian credit reports. You’re able to pay your bill, deposit money, transfer money, send money, redeem rewards, and instantly freeze your card if it is lost or stolen. Accessibility: With the Capital One mobile app, you can access your bank from your phone wherever you go.What Can You Expect From the Capital One Quicksilver Card? To Capital One, “excellent credit” means you have never defaulted on a loan, you haven’t been more than 60 days late on any bill in the past year, and you have had a loan or credit card for three or more years with a credit limit above $5,000 Credit requirements: You need stellar credit to get approved for the Capital One Quicksilver Rewards Card.High APR after intro: The 0% intro APR is a good benefit, after it ends, the APR might be high (24.99%) if your payment history and credit aren’t excellent.Some cash-back cards offer additional cash back on certain purchases (e.g.

No cash-back bonuses: The 1.5% cashback on any purchase is great, but there are no special spending or bonus spending categories with the Capital One Quicksilver Rewards Card.

As long as you pay your balance, you can always avoid accruing interest.

Long grace period: The Capital One Quicksilver card has a grace period of 25 days - meaning the grace period runs from the end of the billing cycle to the due date.

There are cards available with benefits comparable to the Capital One Quicksilver card with late fees that are more than double what this card has

Low late fee: The Capital One Quicksilver Rewards Card has a low late fee in comparison to many other cash-back rewards cards.

If you have good credit repayment history, you can be approved for upwards of $10,000 If you are approved for the card, the bare minimum you are approved for is $1,000.

Flexible credit limit: The initial credit limit of the card is determined by your creditworthiness.

Note that this only applies to your first 15 months as a Quicksilver cardholder

0% intro APR: If you carry a balance with the Capital One Quicksilver card, you’ll benefit from the 0% purchase intro APR.No foreign transaction fee: You don’t need to worry about pesky 1 to 5% foreign transaction fees as there are none with the Capital One Quicksilver card.There are many cash-back cards that have lofty annual fees to make up for or offset the potential rewards you can earn, but this is not the case for the Capital One Quicksilver card No annual fee: There is no annual fee for the Capital One Quicksilver card, meaning that whatever you gain in cash rewards is entirely profit.You are able to redeem your benefits for cash, to cover your purchases, or you can spend your rewards on gift cards There is also no limitation surrounding how much money you can earn (neither annually, or monthly). Cash back bonuses: The Capital One Quicksilver card offers 1.5% cash back on any purchase.

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If you spend $500 on bills or other necessities, this is essentially free money for taking care of things that you would have needed to pay for anyway Spending $500 to receive $150 as a bonus comes out to 30% cash back. It should be noted that you are required to spend $500 (minimum) within the first three months of opening the card account in order to receive the bonus. Sign-on bonus: The Capital One Quicksilver Rewards Card offers a $150 sign-on bonus for new cardholders.2 Who Should Get the Capital One Quicksilver Card?.1 What Can You Expect From the Capital One Quicksilver Card?.Credit Score and Credit Report Resources.

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How to Get a Free Equifax Credit Report.How to Get a Free Transunion Credit Report.How to Get a Free Experian Credit Report.How to Remove Something From Credit Report.What’s This Charge On My Credit Card Statement?.