Capital One Quicksilver Cash Rewards Credit Card: Earn $200 Cash Bonus with
Expired
$500 Spent
within 3 Months of Account Opening
+401Deal Score
1,199,248 Views
Update: This popular deal is still available.
Capital One is offering a $200 cash bonus after you spend $500 on purchases in the first 3 months of account opening with the Capital One Quicksilver Cash Rewards Credit Card. Annual fee is $0.
Thanks to staff member Bri21 for finding this deal.
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.24%-29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Capital One is offering a $200 cash bonus after you spend $500 on purchases in the first 3 months of account opening with the Capital One Quicksilver Cash Rewards Credit Card. Annual fee is $0.
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.24%-29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
These responses are not provided or commissioned by the bank advertiser.
Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser.
It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
I have 805 fico and they decline my Application for Venture credit card and wasted 1 credit check. I won't be applying any Capital one credit card anytime soon.
Call the reconsideration line, could be an error on the app or a typo. Happened to me before
Keep in mind that you'll also get a hard pull from all 3 bureaus anytime you apply for a Capital One credit card.
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Got approved so thanks for another $200 SD. I've read a lot of people saying if you have high credit score you don't get approved, but I don't think that's the case. My credit score is in 820's, and I don't carry a balance. My have something to do with credit to debit ratio.
Yes I have doublecash too. But decided to switch to paypal because it's 2% straight cashback, not broken up like citibank. There's no minimum to redeem, and no foreign fees, so I can use abroad (when we decide to travel again)
This was the main takeaway for me. Applied for the PayPal card instead and was accepted. (780 score), it'll be my everyday card moving forward.
Got approved so thanks for another $200 SD. I've read a lot of people saying if you have high credit score you don't get approved, but I don't think that's the case. My credit score is in 820's, and I don't carry a balance. My have something to do with credit to debit ratio.
That is an impressive credit score. You should be very proud of yourself. What kind of limit did Capital One give you?
I have 805 fico and they decline my Application for Venture credit card and wasted 1 credit check. I won't be applying any Capital one credit card anytime soon.
they denied me online app and sent me a mail paper app instead
Capital one is a garbage bank. This is a garbage card. There are so many better cards available, why would you waste your credit on a garbage card like this from the garbage company? Do yourself a favor and sign up for a card that actually gives you some tangible benefits. You will get for more than $250 in reward.
Yeah 800+ credit and the 2 Capital One Cards that I have, have all been "archived" and retired to the card wallet in the safe. You can read up on them and their weird "buckets" for cards and some of the other issues you cite in the credit forums... definitely true and there are so many better options out there for me, personally I gave up on Capital One quite some time ago.
Careful, they might cancel those cards for non-use and then your credit score will take a massive hit. My score was 821 and my Chase freedom card, which I converted from a slate, which I converted from a Quicken platinum MasterCard, which I had converted from an eBay platinum MasterCard [which was offered to platinum power sellers back in the early 2000s] was canceled abruptly in March of last year. My credit score dropped from 8:21 to 699 in one day. They did not notify me before canceling the card. When I was alerted to the cancellation and subsequent massive drop in my credit score, I called them in anger but they gave zero shits. The stupid thing about it is that every year, cards that I don't use regularly are taken out in January and I go down to a local 7-Eleven and by candy bars or something else with each of the cards in order to show activity. Last year, I was busy building a restaurant and didn't do my annual credit card "refresher" in January and then of course by mid January I already knew about COVID-19 and so was focusing on that and forgot to go down to do my cards. That being said, I had had that card for nearly 20 years in some form or another, and often times that card went for multiple years without any activity yet they never canceled it. My credit score recovered of course and I now typically bounce between 800 to 815 depending on my credit utilization but my overall highest never goes above that anymore because the average period of time for my credit history was so drastically shortened as a result of the cancellation of my 20 year history with that card. I also have Chase Sapphire Preferred and Chase IHG world elite platinum premier cards, and I would love nothing more than to cancel them and never use a Chase card again but unfortunately anytime you cancel cards you will impact your credit score negatively. Between just my two Chase cards I have nearly $75,000 of available credit and canceling them would drastically increase my overall credit utilization percentage, which will also drastically damage my credit score. If you have locked some cards away, make sure you bring them out every now and then and show some activity on them or you might end up suffering like I did. I changed my method to keep my cards safely activated at this point. Every month, my bank is set up to make a one dollar payment, even though the cards don't get used. That is enough to show activation on the account and presumably according to the issuer's will prevent the cards from getting canceled without notice.
How long does it take before we see the $200 credit? Just received my card and should easily surpass the $500 with bills.
Also does anyone know if Virtual Cards are able to enabled with the QuickSilver?
I have it enabled for my VentureOne but can't seem to figure out how to do it for this new one.
Careful, they might cancel those cards for non-use and then your credit score will take a massive hit.
This is not generally true for cancelling a card. There are specific circumstances where it can be an issue though.
You raise two of them in this post so figured it'd be worth addressing so others don't get the mistaken impression ANY cancellation will hurt your score.
(also how do you go a whole year without using a Freedom card? They're among the most useful cards out there offering 5x UR points in common categories every quarter....)
Quote
from SmilingAlpaca108
:
My score was 821 and my Chase freedom card, which I converted from a slate, which I converted from a Quicken platinum MasterCard, which I had converted from an eBay platinum MasterCard [which was offered to platinum power sellers back in the early 2000s] was canceled abruptly in March of last year. My credit score dropped from 8:21 to 699 in one day.
THAT is the problem. It's wasn't that "a" card was cancelled.
You had a nearly 20 year old card cancelled. Even worse if it's your single oldest card.
Most folks churning cards close or cancel cards all the time, with basically 0 impact on their score- because they always insure they keep their very oldest ones open.
I've got 3 cards from the early 90s- as long as I keep those open closing other, younger, cards has basically 0 impact on my score from this perspective.
Quote
from SmilingAlpaca108
:
. I also have Chase Sapphire Preferred and Chase IHG world elite platinum premier cards, and I would love nothing more than to cancel them and never use a Chase card again but unfortunately anytime you cancel cards you will impact your credit score negatively.
Again, this is not GENERALLY the case.
Quote
from SmilingAlpaca108
:
.
Between just my two Chase cards I have nearly $75,000 of available credit and canceling them would drastically increase my overall credit utilization percentage, which will also drastically damage my credit score.
Yes, spiking utilization will hurt you.
Just cancelling the card is not the problem.
Again if you're churning you're typically got so many cards open at any given time that your utilization stays in the low single digits regardless of closing or opening a few cards at any time.
Also- FYI- many (though not all) banks can move credit lines between cards before you close one.
Lastly, if you aren't getting value out of that Chase Sapphire Preferred, and the only thing holding you back it waiting to not lose the credit limit- you can just downgrade it to a free, more useful to you card like a freedom. Credit limit stays the same.
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Yep… similar experience… no can do!
they denied me online app and sent me a mail paper app instead
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0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
Though I got the $200 reward.
If you're so sure that your credit score is above 810, I would think that you would know exactly what it is.
Careful, they might cancel those cards for non-use and then your credit score will take a massive hit. My score was 821 and my Chase freedom card, which I converted from a slate, which I converted from a Quicken platinum MasterCard, which I had converted from an eBay platinum MasterCard [which was offered to platinum power sellers back in the early 2000s] was canceled abruptly in March of last year. My credit score dropped from 8:21 to 699 in one day. They did not notify me before canceling the card. When I was alerted to the cancellation and subsequent massive drop in my credit score, I called them in anger but they gave zero shits. The stupid thing about it is that every year, cards that I don't use regularly are taken out in January and I go down to a local 7-Eleven and by candy bars or something else with each of the cards in order to show activity. Last year, I was busy building a restaurant and didn't do my annual credit card "refresher" in January and then of course by mid January I already knew about COVID-19 and so was focusing on that and forgot to go down to do my cards. That being said, I had had that card for nearly 20 years in some form or another, and often times that card went for multiple years without any activity yet they never canceled it. My credit score recovered of course and I now typically bounce between 800 to 815 depending on my credit utilization but my overall highest never goes above that anymore because the average period of time for my credit history was so drastically shortened as a result of the cancellation of my 20 year history with that card. I also have Chase Sapphire Preferred and Chase IHG world elite platinum premier cards, and I would love nothing more than to cancel them and never use a Chase card again but unfortunately anytime you cancel cards you will impact your credit score negatively. Between just my two Chase cards I have nearly $75,000 of available credit and canceling them would drastically increase my overall credit utilization percentage, which will also drastically damage my credit score. If you have locked some cards away, make sure you bring them out every now and then and show some activity on them or you might end up suffering like I did. I changed my method to keep my cards safely activated at this point. Every month, my bank is set up to make a one dollar payment, even though the cards don't get used. That is enough to show activation on the account and presumably according to the issuer's will prevent the cards from getting canceled without notice.
Also does anyone know if Virtual Cards are able to enabled with the QuickSilver?
I have it enabled for my VentureOne but can't seem to figure out how to do it for this new one.
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You raise two of them in this post so figured it'd be worth addressing so others don't get the mistaken impression ANY cancellation will hurt your score.
(also how do you go a whole year without using a Freedom card? They're among the most useful cards out there offering 5x UR points in common categories every quarter....)
THAT is the problem. It's wasn't that "a" card was cancelled.
You had a nearly 20 year old card cancelled. Even worse if it's your single oldest card.
Most folks churning cards close or cancel cards all the time, with basically 0 impact on their score- because they always insure they keep their very oldest ones open.
I've got 3 cards from the early 90s- as long as I keep those open closing other, younger, cards has basically 0 impact on my score from this perspective.
Between just my two Chase cards I have nearly $75,000 of available credit and canceling them would drastically increase my overall credit utilization percentage, which will also drastically damage my credit score.
Just cancelling the card is not the problem.
Again if you're churning you're typically got so many cards open at any given time that your utilization stays in the low single digits regardless of closing or opening a few cards at any time.
Also- FYI- many (though not all) banks can move credit lines between cards before you close one.
Lastly, if you aren't getting value out of that Chase Sapphire Preferred, and the only thing holding you back it waiting to not lose the credit limit- you can just downgrade it to a free, more useful to you card like a freedom. Credit limit stays the same.