Capital One Quicksilver Money Rewards Credit score Card Overview (2021.2 Replace: $250 Supply)

2021.2 Replace: The brand new supply is $250. HT: DoC.

2020.10 Replace: The supply is now elevated to $200.

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Advantages

1. $250 supply: earn $250 money bonus after spending $500 in first 3 months.
2. Earn 1.5% money again on all purchases.
3. No international transaction price.
4. No annual price.

Disadvantages

1. Capital One will pull all three main credit score bureaus (Experian, TransUnion, Equifax) for one bank card utility!

Really useful Utility Time

1. We suggest you apply for this card after you’ve a credit score historical past of a minimum of two years and you’re very snug with the bank card recreation.
2. [1/6 rule] You’ll be able to solely apply for 1 Capital One bank card for each 6 months, together with each private and enterprise bank cards. You’re going to get computerized denial in case you violate this rule, however there shall be no onerous pull.

Abstract

The sign-up bonus is respectable for a no annual price card. Additionally it is good that this card has no International Transaction Payment (FTF) AND no annual price. Nonetheless, an analogous card BoA Journey Rewards Credit score Card is best in most features. There may be additionally a card PayPal Cashback Mastercard, which earns 2% cashback on all the pieces with no annual price and no FTF (although it doesn’t have any sign-up bonus). You also needs to watch out that Capital One will pull all three main credit score bureaus (Experian, TransUnion, Equifax) for one bank card utility (see Traits of Main Banks for extra particulars).

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