Capital One Quicksilver Cash Rewards credit card provides unlimited 1.5% cash back on every purchase, plus an extra 5% when booking hotel and rental car reservations through Capital One Travel. Plus, cardholders will receive an instant $200 bonus after spending $500 in their first three months as members!
This card is an ideal option for anyone who finds tracking rotating reward categories tedious, and does not incur an annual fee. Unfortunately, its earnings potential falls short of other flat rate cards.
No annual fee
Capital One Quicksilver Cash Rewards credit card is an ideal choice for those who desire a straightforward flat-rate card experience, offering no annual fee, an introductory 0% APR on purchases and balance transfers, solid shopping protection through Mastercard protections, as well as an attractive welcome bonus of $200. Unfortunately, its rewards rate falls short of other cards with similar offerings.
Capital One Travel offers not only a flat 1.5% cash back rate but also offers 5% cash back when booking hotels and rental cars through them. Capital One Travel also allows users to earn and redeem rewards through statement credits and direct deposits – making it ideal for people who don’t wish to deal with Bank of America’s online portal for redemption of rewards.
Capital One credit cards don’t feature a rewards calendar, which may cause confusion for some users. Although this doesn’t significantly decrease its overall value, if you prefer cards that offer clear redemption benefits it might be something worth keeping in mind when selecting your card.
Capital One and Bank of America Unlimited cash back cards are both good choices if you prefer simple flat rate credit cards with no annual fee, however if you need high rewards rates or an intro APR to reduce debt quickly there may be other cards with better offers available to you.
Although Capital One may appear less complex than Bank of America Unlimited, each card offers unique perks that may appeal to you. For instance, Bank of America Unlimited features a $200 sign-up bonus and no introductory APR on purchases while Capital One Quicksilver features an unlimited 1.5% cash back rate as well as $200 online cash bonuses after spending $500 within three months of account opening – not forgetting no foreign transaction fee and 24/7 customer service support! It is essential that you find a card that best meets your needs by carefully considering rewards rates, fees, perks as well as any foreign transaction fees as well as services offered by both companies. To do this properly.
No minimum reward threshold
Capital One Quicksilver Cash Rewards credit card offers an attractive $200 welcome bonus when spending $500 in three months – ideal for consumers with good to excellent credit but possibly approved even with average, fair, or limited credit scores. In comparison, Bank of America Unlimited Cash Rewards features an inclusive approach and features a lower minimum reward threshold.
Capital One Quicksilver Cash Rewards card stands out from its counterparts by offering instant redemption of points without waiting to accumulate a certain number first. Furthermore, no annual or balance transfer fees apply making this an excellent card for consumers seeking simplicity with their rewards program.
Capital One Travel Card comes equipped with several perks, including no foreign transaction fees and travel insurance coverage. Furthermore, this card provides 5% cash back on hotels and rental cars booked through Capital One Travel Portal as well as 1.5% cash back for purchases made outside this portal – rewards don’t expire and can be redeemed for statement credits, gift cards or other redemption options.
This credit card is the ideal solution for those who find rotating categories or cards with elevated earnings rates to be frustrating. Not only is its 1.5% rate attractive, but this card also offers an irresistibly generous $200 sign-up bonus when spending $500 within three months – one of the lowest minimum spending requirements on the market and ideal for people with poor or limited credit alike!
Capital One card may be an ideal fit for most, but not big spenders due to the rewards categories’ spending limit of $2,500 each quarter. Although these limits can be reduced for greater points earning, if you are an aggressive spender you should consider switching cards with either unlimited earning rates or higher rates in specific spending categories that make more sense for you.
No foreign transaction fee
Capital One Quicksilver Cash Rewards card is an ideal solution for people who value simplicity. With 1.5% cash back on all purchases and a generous sign-up bonus, this card also gives users access to Capital One Travel where you can earn up to 5% cash back when booking hotels and rental cars through Capital One Travel. Furthermore, Capital One Quicksilver Cash Rewards has an introductory APR rate of zero percent for the first three months after opening!
Capital One Quicksilver card doesn’t charge foreign transaction fees, making it an excellent option for frequent international travellers. But if your spending habits include heavy spend in certain categories such as groceries and U.S. streaming services, other cards with higher rewards rates might provide better value – American Express’ Blue Cash Preferred(r) Card provides much higher cash back rewards on groceries and U.S streaming services compared to Capital One Quicksilver card.
Not only does the card offer no foreign transaction fee, it also boasts several consumer benefits that make life easier such as a 24/7 concierge service to assist in planning travel plans and booking flights and hotels, an enhanced security feature to protect financial information against unauthorised transactions and alert you of suspicious activity on your account, and Eno, its digital assistant who monitors credit and provides tips to improve it.
Rewards can be redeemed for statement credits or gift cards without expiring, making the card even more versatile. Furthermore, automatic redemption preferences allow you to set how you’d like your rewards applied — either immediately to an existing purchase or as checks once reaching a minimum redemption threshold.
Capital One Quicksilver Cash Rewards card stands out from the crowd by not charging an annual fee, providing an incredible benefit for individuals who prefer not paying annual charges in return for rewards earned.
Bank of America Customized Cash Rewards credit card also offers an attractive introductory bonus of $200 when spending $500 within three months, though it may not suit everyone. For greater consumer benefits and cash back rates on purchases made elsewhere, consider Bank of America Customized Cash Rewards card instead – it has no annual fee, cash-back rates on all purchases at an increased cashback rate, extended warranty protection, purchase protection and travel accident insurance among many other perks.
24/7 customer service
Capital One Quicksilver Cash Rewards Credit Card provides a straightforward, 1.5% cash back rate across all purchases, as well as a $200 sign-up bonus after spending $500 within three months of opening it. As such, this card makes for an ideal option for anyone wanting a no-fee rewards credit card with generous returns rates.
Capital One Quicksilver Cash Rewards card has several other useful features in addition to its simple rewards program, such as no annual fee and 0% APR offer for 15 months allowing users to pay off balances without incurring interest charges.
However, if you are an extravagant spender, the Capital One Quicksilver Card might not be ideal; it only earns 1.5% cash back across all purchases while other cards provide greater rates in specific categories; such as Citi Double Cash card which provides up to 2% cash back while Bank of America Unlimited Cash Card only offers up 1%.
Capital One Quicksilver Card holders enjoy many additional benefits, including free access to Capital One CreditWise which provides cardholders with useful tools and content for building and maintaining good credit. Monthly statements also feature a credit score which is accessible in the account dashboard – plus there are no foreign transaction fees!
Capital One Quicksilver Cash Rewards Card provides an intuitive rewards system for all types of purchases, making it ideal for people who seek no-fee cards with generous rewards rates. In addition to offering these features, the card also boasts a generous rewards rate, zero APR for 15 months and free access to their personalized credit score; plus travel perks and 24/7 concierge service as fringe benefits; finally it also features a 0% APR balance transfer offer of 15 months!