Capital One Quicksilver Cash Rewards Credit Card: Earn $200 Cash Bonus with
Expired
$500 Spent
within 3 Months of Account Opening
+401Deal Score
1,199,193 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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Never close a card with no annual fee. There's no logical reason in most cases to do so
1. Managing a lot of cards is tough. You should be checking activity regularly so you can catch any fraudulent charges. That's a lot of work if you have dozens of cards.
2. I worked in credit underwriting for a few years, and we denied people all the time for having too much available credit. Your credit score is meaningless to a lot of decision engines. They're looking at payment history, debt to income ratio, and available credit to income ratio. I once declined the manager of a Ferrari Dealership with an 820 credit score and $300k in income, simply because he already had $200k in credit open to him.
I personally open and close cards fairly regularly, but I always keep my 3-4 oldest because I need those to keep my average age of credit high.
1. Managing a lot of cards is tough. You should be checking activity regularly so you can catch any fraudulent charges. That's a lot of work if you have dozens of cards.
2. I worked in credit underwriting for a few years, and we denied people all the time for having too much available credit. Your credit score is meaningless to a lot of decision engines. They're looking at payment history, debt to income ratio, and available credit to income ratio. I once declined the manager of a Ferrari Dealership with an 820 credit score and $300k in income, simply because he already had $200k in credit open to him.
I personally open and close cards fairly regularly, but I always keep my 3-4 oldest because I need those to keep my average age of credit high.
pilotd1. Managing a lot of cards is tough. You should be checking activity regularly so you can catch any fraudulent charges. That's a lot of work if you have dozens of cards.
2. I worked in credit underwriting for a few years, and we denied people all the time for having too much available credit. Your credit score is meaningless to a lot of decision engines. They're looking at payment history, debt to income ratio, and available credit to income ratio. I once declined the manager of a Ferrari Dealership with an 820 credit score and $300k in income, simply because he already had $200k in credit open to him.
I personally open and close cards fairly regularly, but I always keep my 3-4 oldest because I need those to keep my average age of credit high..1
1. Managing a lot of cards is very simple when you use the mobile app. Fraud alerts are easy to turn on and if you do not use your cards on any sketchy site then you really shouldn't have anything to worry about. I would also recommend freezing your credit with all 3 bureaus to prevent unauthorized loans/cards being opened in your name.
2. I agree that you can be denied for having too much available credit. Which is why you should call and ask them to lower your credit limit instead of immediately closing an account and reducing average age of accounts.
At the end of the day people can do whatever they want their own credit idrc. Your credit underwriting job also sounds very interesting.
Not recommended to sign up for a credit to get $200 bonus and then be 20k in debt and destroy your credit, not a good deal
I assume that is why you are poor. You may notice to get poor and in debt it takes some work and really bad decisions. Rational people don't work and come out $200 to the plus side.
Sofi: "The $0-annual-fee card earns 2% unlimited cash back on eligible purchases when redeemed toward investing, saving or paying down an eligible loan with SoFi.".
Most people that get cash back cards just want to apply it towards their monthly statement or get gift cards or whatever. If you have a loan/account with SoFi it's a pretty good option. But it's a niche market.
The PayPal card looks pretty good too. You need a PayPal account, which not everyone has or wants to use. But that's not really much of a gatekeeper to getting the card.
Chase, Amex, and Capital One offer a more diverse lineup, better rewards (especially on travel rewards cards), and Chase even lets you pool "cash back" earned on the Freedom cards to full featured Ultimate Rewards points. All three also offer better benefits on their cards, especially during Covid.
But I guess if you only use PayPal then you could go that route. And if you have a SoFi loan you could go that route. But again, niche market.
Edit: The Citi Double cash card is 2% and I would pick that over PayPal or SoFis offering any day of the week.
paypal synchrony card has 3% foreign transaction fee. 😒
I hear nothing but bad things about Capital One. Everything from being super stingy with credit limit increases to rejecting people for no apparent reason. It's insane reading people here with 800+ credit scores being rejected.
Makes sense. Except for the signup bonus and Eno virtual cards, these cards are worthless with respect to the rewards. So, if people have many other cards, they probably will not use this at all - like me.
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.
Ditto here. Couldn't have a better credit score, 800+, yet they claim I have too many credit cards and denied my application.
I just got approved for a store branded card that offers 15% off on first purchase, instantly.
I feel Captital One is running an algorithm to figure out we will cash out the bonus andthen never use the card again. They won't make money from those of us who never carry a balance.
Wouldn't be surprised if others follow this algo.
Oh, well. I did learn something new. There's now a 4th credit bureau out there, LexisNexis Risk Solutions Inc. I'll take advantage in the opportunity to get a batch of free credit reports to review.
Ditto here. Couldn't have a better credit score, 800+, yet they claim I have too many credit cards and denied my application.
I just got approved for a store branded card that offers 15% off on first purchase, instantly.
I feel Captital One is running an algorithm to figure out we will cash out the bonus andthen never use the card again. They won't make money from those of us who never carry a balance.
Wouldn't be surprised if others follow this algo.
Oh, well. I did learn something new. There's now a 4th credit bureau out there, LexisNexis Risk Solutions Inc. I'll take advantage in the opportunity to get a batch of free credit reports to review.
You can't have an 800+ credit score if you have too many credit cards. If a person has a 800+ credit, why would they waste their time for $200-300 on a credit card application?
You can't have an 800+ credit score if you have too many credit cards. If a person has a 800+ credit, why would they waste their time for $200-300 on a credit card application?
Sure you can. Credit score doesn't mean as much as they want you to think.
And what's the point of having great credit if you aren't going to use it to save yourself money?
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2. I worked in credit underwriting for a few years, and we denied people all the time for having too much available credit. Your credit score is meaningless to a lot of decision engines. They're looking at payment history, debt to income ratio, and available credit to income ratio. I once declined the manager of a Ferrari Dealership with an 820 credit score and $300k in income, simply because he already had $200k in credit open to him.
I personally open and close cards fairly regularly, but I always keep my 3-4 oldest because I need those to keep my average age of credit high.
2. I worked in credit underwriting for a few years, and we denied people all the time for having too much available credit. Your credit score is meaningless to a lot of decision engines. They're looking at payment history, debt to income ratio, and available credit to income ratio. I once declined the manager of a Ferrari Dealership with an 820 credit score and $300k in income, simply because he already had $200k in credit open to him.
I personally open and close cards fairly regularly, but I always keep my 3-4 oldest because I need those to keep my average age of credit high.
2. I worked in credit underwriting for a few years, and we denied people all the time for having too much available credit. Your credit score is meaningless to a lot of decision engines. They're looking at payment history, debt to income ratio, and available credit to income ratio. I once declined the manager of a Ferrari Dealership with an 820 credit score and $300k in income, simply because he already had $200k in credit open to him.
I personally open and close cards fairly regularly, but I always keep my 3-4 oldest because I need those to keep my average age of credit high..1
2. I agree that you can be denied for having too much available credit. Which is why you should call and ask them to lower your credit limit instead of immediately closing an account and reducing average age of accounts.
At the end of the day people can do whatever they want their own credit idrc. Your credit underwriting job also sounds very interesting.
I just got approved for 15k and am under 800. Might want to pull a report to see what's going on with your report
Most people that get cash back cards just want to apply it towards their monthly statement or get gift cards or whatever. If you have a loan/account with SoFi it's a pretty good option. But it's a niche market.
The PayPal card looks pretty good too. You need a PayPal account, which not everyone has or wants to use. But that's not really much of a gatekeeper to getting the card.
Chase, Amex, and Capital One offer a more diverse lineup, better rewards (especially on travel rewards cards), and Chase even lets you pool "cash back" earned on the Freedom cards to full featured Ultimate Rewards points. All three also offer better benefits on their cards, especially during Covid.
But I guess if you only use PayPal then you could go that route. And if you have a SoFi loan you could go that route. But again, niche market.
Edit: The Citi Double cash card is 2% and I would pick that over PayPal or SoFis offering any day of the week.
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I just got approved for a store branded card that offers 15% off on first purchase, instantly.
I feel Captital One is running an algorithm to figure out we will cash out the bonus andthen never use the card again. They won't make money from those of us who never carry a balance.
Wouldn't be surprised if others follow this algo.
Oh, well. I did learn something new. There's now a 4th credit bureau out there, LexisNexis Risk Solutions Inc. I'll take advantage in the opportunity to get a batch of free credit reports to review.
I just got approved for a store branded card that offers 15% off on first purchase, instantly.
I feel Captital One is running an algorithm to figure out we will cash out the bonus andthen never use the card again. They won't make money from those of us who never carry a balance.
Wouldn't be surprised if others follow this algo.
Oh, well. I did learn something new. There's now a 4th credit bureau out there, LexisNexis Risk Solutions Inc. I'll take advantage in the opportunity to get a batch of free credit reports to review.
Sign up for a Slickdeals account to remove this ad.
And what's the point of having great credit if you aren't going to use it to save yourself money?