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Capital One Quicksilver Cash Rewards Credit Card review: A passable flat-rate cash back card

For no annual fee, you get what you expect: a mid-level cash back card.

 /  13 min
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Snapshot

3.8

Bankrate rating
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Rating: 3.8 stars out of 5

Bottom line

This card earns unlimited flat-rate rewards and comes with a generous intro APR, making it a decent starter option. But its rewards rate pales in comparison to the rate you’ll find on the best flat-rate cash back cards.

Best for simplicity

Recommended credit score:(670 - 850)
Apply nowLock

on Capital One's secure site

See Rates & Fees

Intro offer

$200

Rewards rate

1.5% - 5%

Annual fee

$0

Regular APR

19.74% - 29.74% (Variable)

3.8
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Bankrate Score

Rewards value

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2.3 / 5

APR

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1.0 / 5

Rewards flexibility

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5.0 / 5

Features

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3.0 / 5
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Capital One Quicksilver Card overview

The Capital One Quicksilver card is a staple among flat-rate rewards cards. It earns cash back on all purchases, features a generous intro APR offer and charges no annual or foreign transaction fees, making it a decent option for any budget. This Capital One credit card can be an especially good fit if you want a card that can supplement an existing rewards card or if you don’t spend heavily in typical credit card bonus categories (See Rates & Fees).

That said, a flat 1.5 percent rewards rate falls short of the rate you can find on some of the best flat-rate rewards cards, which offer 2 percent back on all purchases. Unless you plan to combine rewards with other Capital One cards, the Quicksilver may not offer the best value.

  • Credit Card Cash Back Icon

    Rewards

    • 5 percent cash back on hotels and rental cars booked through Capital One Travel
    • 1.5 percent cash back on every purchase, every day

    Expert Appraisal: Typical
    See our expert analysis

  • Rewards Icon

    Welcome offer

    • Earn a one-time $200 cash bonus after you spend $500 on purchases within three months from account opening

    Expert Appraisal: Exceptional
    See our expert analysis

  • Credit Card Apr Icon

    0% APR offer

    • 0 percent intro APR on purchases for the first 15 months
    • 0 percent intro APR on balance transfers for the first 15 months
    • 19.74% - 29.74% (Variable) APR
    • (See Rates & Fees)

    Expert Appraisal: Good
    See our expert analysis

  • Credit Card Search Icon

    Rates and fees

    • Annual fee: None
    • Balance transfer fee: 3 percent for the first 15 months; 4 percent at a promotional APR that Capital One may offer you at any other time
    • Cash advance fee: 5 percent of the amount of the cash advance, but not less than $5
    • Late payment fee: Up to $40
    • Foreign transaction fee: None
    • (See Rates & Fees)

    Expert Appraisal: Typical
    See our expert analysis

  • Congrats Icon

    Other cardholder perks

    • Master RoadAssist® Service*
    • Complimentary Concierge Services

    Expert Appraisal: Typical

Capital One Quicksilver Card pros and cons

Pros

  • Checkmark Icon

    The card's low cost makes it accessible for any budget.

  • Checkmark Icon

    It has a fairly long introductory APR offer on purchases and balance transfers.

  • Checkmark Icon

    You can access reliable travel and shopping protections through Mastercard.

Cons

  • The 1.5 percent cash back is lower than other flat-rate cards.

  • There are cards with no or lower balance transfer fees.

  • The card offers very few perks beyond basic issuer benefits.

Why you might want the Capital One Quicksilver card

The Quicksilver card is a solid flat-rate cash back card if you value simplicity, minimal fees and low-maintenance rewards. If you want an easy-to-attain sign-up bonus or an intro APR to reduce card debt or finance new purchases, you might consider this card.

Welcome offer: Generous, easy-to-earn bonus

The Capital One Quicksilver’s welcome offer is not only on par with the bonus value you’ll find on several other cash back cards, but it’s also one of the easiest welcome offers to earn. A $500 spending requirement within a three-month window is one of the lowest you’ll find on a no-annual-fee rewards card. Split evenly, that's' only $167 per month. 

While you can find welcome offers valued at more than $200, these offers often require higher spending to obtain or are featured on cards with an annual fee (See Rates & Fees). This welcome offer keeps things simple, which can be appealing to those looking for a streamlined credit card.

Fees: Light on extra charges

The Quicksilver card doesn’t charge an annual fee, making it a solid option if you prefer not to focus on offsetting card costs via rewards and perks. 

The card also doesn’t charge foreign transaction fees, making it a useful travel companion abroad. Many no-annual-fee rewards cards charge at least 3 percent in fees for every international purchase (See Rates & Fees). It can also supplement rewards cards that have spending caps, making sure you can earn rewards no matter where or how much you spend.

Intro APR: Solid offer on both purchases and balance transfers

Along with a generous welcome bonus, the Quicksilver offers a competitive introductory APR for new purchases and balance transfers comparable to the intro offers on the best intro APR cards.

An intro APR period of 15 months is considered average for a no-annual-fee rewards card, but some competitors only offer an intro APR for either new purchases or balance transfers — not both.

Although the Quicksilver card’s intro APR period is shorter than the intro APR periods offered by dedicated balance transfer cards, the Quicksilver charges a balance transfer fee of 3 percent for the first 15 months; 4 percent at a promotional APR that Capital One may offer you at any other time. Many of the best balance transfer cards charge a 5 percent balance transfer fee, which could end up costing you more than you’d save with the few extra months offered (See Rates & Fees).

Redemption: Ultra-simple rewards program

The Quicksilver is one of the most straightforward types of rewards cards available. You’ll earn cash back at the same flat rate on all purchases, and you can redeem rewards as a check, a statement credit or to cover recent transactions. You can also use cash back for gift cards and online purchases at Amazon.com and PayPal. And if you have a Capital One travel card like the Capital One Venture Rewards Credit Card, you can convert your miles into points at a 1:1 ratio and redeem for travel bookings.

Your Quicksilver rewards also have a consistent value of 1 cent each, a great advantage considering several competing rewards cards earn points that carry a different value depending on how you redeem them. For example, many cards offer a lower redemption value when you opt for gift cards or merchandise.

With the Quicksilver, you won’t have to worry about accidentally losing rewards value. You also won’t need to track your rewards balance because you can set up automatic cash back redemptions at the same time each year or at a specific cash value.

Why you might want a different cash back card

The Quicksilver card may be a solid choice if you want a simple, no-annual-fee rewards card or have recently earned a good credit score. However, it doesn’t offer the best flat cash back rate available at this credit level and lacks a lot of perks that would add to the card's value (See Rates & Fees).

Rewards: Relatively low rate

The Quicksilver card’s flat cash back rate is lower than the flat rates issuers offer on other rewards cards — you can earn 2 percent flat rate cash rewards with the Wells Fargo Active Cash® Card, for example. 

While a 0.5-percent higher rate may not seem like much, it can make a big difference in the long run. If you spend $15,000 on general purchases per year for three years using a card that earns a flat 2 percent cash back, you’ll earn $900 in rewards; meanwhile, the Quicksilver would only yield $675 on that spend.

You may also earn more overall if you opt for a rewards card that focuses on spending categories you often use. For example, if you spend $300 per month on groceries and $500 per month on general purchases, a card with a 3-percent grocery rewards rate and a 1-percent base rate would earn you more cash back per year than the Quicksilver would via a flat 1.5 percent rewards rate ($168 versus $144).

Perks: Only a few noteworthy benefits

This card only has basic perks like Master RoadAssist® Service* that you can find on most cards. If you are looking for appealing benefits, you might have to look elsewhere or consider an annual-fee card

First-year card value vs. ongoing value

Since the Quicksilver offers few perks, you’ll get the most long-term value from the card’s ongoing rewards. And since there’s no annual fee, you won’t have to worry about meeting a certain threshold in rewards earnings to justify carrying the card (See Rates & Fees).

Here’s a look at the sort of value you might expect in your first year and beyond with the Quicksilver card, based on our card value rating methodology, which assumes an annual spend of $22,500:

Benefits and costs First-year value Ongoing value (no welcome offers)
Yearly rewards +$337.50 +$337.50
Welcome offers +$200 (after spending $500 on purchases within the first three months)
Perks (of monetary value) N/A  N/A
Annual fee $0 (See Rates & Fees) $0
Total value $537 $337.50

We tried it: Here’s what our experts say

Bankrate credit cards editor Re’Dreyona Walker uses the Quicksilver Cash Rewards card for its flat-rate rewards and convenient virtual card numbers:

“My favorite features of this card are the flat-rate rewards on every purchase and the virtual card number, which is great for making quick and safe online purchases. I like that I don’t have to track tiered rewards like I do with my other rewards cards. The welcome bonus was also easy to earn, and the application was also short and painless.”

— Re’Dreyona Walker, Editor at Bankrate

How the Capital One Quicksilver card compares to other cash back cards

The Quicksilver is a well-rounded flat-rate credit card that has a steady long-term value. However, the card’s 1.5-percent flat cash back rate falls short of the rate you’ll find on the most competitive options. The card’s APR may also be too high if you tend to carry a balance on your card. If you want a card with lower interest, higher rewards rates or more perks, consider these alternatives:

Image of Capital One Quicksilver Cash Rewards Credit Card

Annual fee

$0

Intro offer

$200
Info Icon

Rewards rate

1.5% - 5%
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of Citi Double Cash® Card

Annual fee

$0

Intro offer

$200 cash back
Info Icon

Rewards rate

1% - 5%
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of Chase Freedom Unlimited®
Bankrate Score
Apply now Lock Icon
on Chase's secure site

Annual fee

$0

Intro offer

Up to $300 cash back
Info Icon

Rewards rate

1.5% - 5%
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon

Best cards to pair with the Capital One Quicksilver

While flat-rate cards make it easy to earn rewards on all your everyday spending, you can enjoy higher rewards rates in specific spending categories with other cards. Overall, you could get more value from a card strategy by pairing your Quicksilver card with a tiered card that aligns with your spending habits. 

Who is the Capital One Quicksilver Cash Rewards card right for?

You might find the Capital One Quicksilver Cash Rewards Card a solid addition to your wallet if the following sounds like you. 

Bankrate’s Take — Is the Capital One Quicksilver worth it?

The Capital One Quicksilver Cash Rewards Credit Card is a popular choice among cardholders who want a straightforward cash back card that earns rewards on all purchases. Other than the possible interest charges you’ll accrue from carrying a balance, there are no annual fee or bonus categories to worry about. Capital One can even automate the redemption process (See Rates & Fees).

But if you don’t mind tracking a bonus category or two, you can accumulate more cash back and receive specialized benefits with a stronger cash back card.

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

How we rated this card

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150+
cards rated
Congrats Icon
50+
rewards programs valued
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1800
data points analyzed
Credit Card Reviews Icon
40+
perks evaluated

We rate credit cards using a proprietary card scoring system that ranks each card’s estimated average rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more against those of other cards in its primary category.

Each card feature is assigned a weighting based on how important it is to people looking for a card in a given category. These features are then scored based on how they rank relative to the features on other cards in the category. Based on these calculations, each card receives an overall rating of 1-5 stars (with 5 being the highest possible score and 1 being the lowest).

We analyzed over 150 of the most popular rewards and cash back cards to determine where each stacked up based on their value, cost, benefits and more. Here are some of the key factors that influenced this card’s overall score and how the score influenced our review:

Frequently asked questions

What cardholders think

Image of Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card

4.6 Star Icon
47 ratings
Info Icon
Score breakdown
5 stars
72%
4 stars
21%
3 stars
4%
2 stars
2%
1 star
0%
Score by category
Overall 4.6 / 5
Extra perks 3.9 / 5
Privacy and security 4.4 / 5
Customer service 4.6 / 5
Online portal or mobile app 4.2 / 5

In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder’s product details, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate’s own reviews of these cards.

Community Reviews

Explore Capital One Quicksilver Cash Rewards Credit Card reviews from certified cardholders.
Search Icon
Caret Down Icon
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend since it is a very secure card
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
The cash back is great. Have collected hundreds of dollars over the years.
Score by category
Extra perks 5 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I do not use it every day. But when I do, I feel it is safe to use
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
This card had good cash back rewards and capital one is a trustworthy brand
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
I would never pay a fee for a credit card.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
This card does not have an annual fee. They used to have a fee (a long time ago) that I think was almost $100, and to me, there is absolutely nothing the company can provide me that makes it worth paying an annual fee, especially when there are a million other free options.
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
Yes if it has an annual fee I guess it's worth it they have so many cashbacks for medium and large transactions
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
We are trying not to use credit cards for things that are not an emergency, we want to use savings / cash for purchases.
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I recommend this card, because of the cash rewards.
Score by category
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It is a part of my everyday life. I may not use it everyday but it's available when I need it.
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Nothing really stands out.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
Yes it would be worth it and I get credit for connecting with uber and it saves me a 120 dollars a year.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Cash back Good interest rate
Score by category
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Cash back. Never an issue
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
Yes usually the cash back usually makes it worth it
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Cash Rewards and advice from family
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Good card with good service and no overdraft charges.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I don't use it everyday, but on occasion. And it updates me occasionally about my credit score.
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
It depends upon the cost of the annual fee. However, I may look into other cards first and review the perks.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 3 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes it is part of my everyday life. I like to pay with it to help my credit score go up
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
My father had it and recommended it to me. It has no yearly fee and the app is extremely easy to navigate.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes I use it to pay auto breakdowns,medical bills and medication.Why because I need to..
Score by category
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Meets. Expectations
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
i get cash back on any purchase which is amazing
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I am able to see my credit score, view when/why it changes, and it gives me advice on how to raise my score.
Score by category
Extra perks 3 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I trusted Capitol One as being a prior customer and this card had great rewards.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Great bank and am very happy with capital one
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
no i just paying the balance off
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Recently was approved have not yet used card for purchases
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I used the card for travel and I had no problems with the card
Score by category
Extra perks 4 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
doesn't have an annual fee
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I dont remenber. Its been several years
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Because I get good rewards with it and it's worth its value
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would not hesitate to recommend this car to a friend, because I trust Capital One as a business, and as such, I find the card to be very beneficial in terms of the rewards benefits that it offers me as a consumer. I'm also very pleased with their customer service, who are always prompt to answer my questions and concerns in a friendly and expedient manner.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
It was the first I was offer without being secured
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It is but not as much as the other Better rewards on the chase
Score by category
Extra perks 3 / 5
Online portal or mobile app 2 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
The 18 month no interest period is pretty amazing.
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes it is. It’s the main card I have so I use it almost every day for any purchase possible
Score by category
Extra perks 2 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I don't think of my credit that way. These are emergency access to funds to help out on an emergency. Not to use everyday. How dangerous is that for one's financial well-being?
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes, It's associated with my bank thus that's why
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
no I only use it for emergencies
Score by category
Extra perks 3 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It is. We are no longer a cash society. Everything is run by credit or cashless.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
$50 yearly
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Introductory offer was 6 months interest free on purchases.
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Yes, it is an easy to get credit card for people with little to no credit history, and cash back is always a great feature.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I noticed Capital One is charging me 2.90 each ride in NY for the subway, Capital one only must charge 2.75 not 2.90 because like this appears like they are giving money back but that's not true, they are giving back the .15 cent extra but of my own money not because I use the credit card.
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I have had several negative experiences with this card and the Capital One customer service representatives in the last two years. They refuse to allow me to redeem my rewards and release my benefits, because of a dispute that still has not been resolved from almost two years ago. This card is truly awful and the employees are terrible.
Score by category
Extra perks 2 / 5
Online portal or mobile app 1 / 5
Customer service 2 / 5
Privacy and security 1 / 5
Written by
Garrett Yarbrough
Writer, Credit Cards
Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers.
Edited by Senior Editor, Credit Cards
Reviewed by Former Reporter, Credit Cards

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.