#Quicksilver one credit limit how to
How to Avoid Paying Interest on Purchases The APR range for cash advances is 26.99% Variable. Your purchase APR will be a variable rate of 26.99%.Īny balances you transfer to the card will be subject to a variable APR of 26.99%. Rates and FeesĪnnual Percentage Rate (APR) for Purchases There are no balance transfer fees, however, the APR is high for a balance transfer. The APR on any balances you transfer to the card will be subject to a variable 26.99% APR. Your rewards can be redeemed whenever you want to redeem them and there is no minimum or maximum you can redeem. The lack of a 0% balance transfer intro APR offer is also a catch for customers who have credit card debt from other cards.Įvery purchase you make on your Capital One QuicksilverOne Cash Rewards Credit Card will earn you unlimited 1.5% in cash back. If you spend enough each month, you’ll get more in rewards than you pay in the annual fee, but it’s still not great. The $39 annual fee and the variable 26.99% APR are the two biggest drawbacks with the Capital One QuicksilverOne Cash Rewards Credit Card. There is no penalty APR but there is a late payment fee of up to $40. There is a cash advance fee of either $10 or 3% of the amount of each cash advance, whichever is greater. Balance transfers will also be subject to a 26.99% variable APR.Ĭash advances are subject to a 26.99% Variable APR, too. It’s a variable rate that can change with the Prime Rate. Your APR on your Capital One QuicksilverOne Cash Rewards Credit Card will be 26.99%. You can redeem those cash back rewards whenever you want, and there’s no limit on the rewards you can earn in a calendar year. Every time you swipe you’ll earn 1.5% cash back.
The Capital One QuicksilverOne Cash Rewards Credit Card is a pretty straightforward card. Compare Similar Cash Back Offers How It Works And if you’re prone to missing payments (because your income is unpredictable, for example), you will probably be safer opting for a card without late fees. If you have balances from other cards that you want to transfer and pay down, you’re better off opting for a card with a 0% intro APR on balance transfers. If you have good-to-excellent credit, you could get a higher rewards rate and lower APR with a different card. The consumers who stand to gain from this card are those with average credit who want a flexible cash back card and a chance to increase their credit limit and credit score. Increase your credit limit – Be automatically considered for a higher credit limit in as little as six months. That’s a particularly good idea with the Capital One QuicksilverOne Cash Rewards Credit Card because the APR is on the high side.
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Smart Tip: If you can, always pay your balance in full at the end of each billing cycle.No penalty APR – If you miss a payment on your Capital One QuicksilverOne Cash Rewards Credit Card, you won’t be bumped up to a penalty APR like you would on some other cards. Unlimited 1.5% cash back – You’ll earn 1.5% cash back on all your purchases, with no limit on how much you can earn, when you can redeem or how much you can redeem in one transaction.