Capital One® Quicksilver® Cash Rewards Credit Card
- One-time $100 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
- Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
- 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 for 9 months; 13.99%-23.99% variable APR after that
- Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
- Pay no annual fee or foreign transaction fees
- 1.5% cash back on every purchase
- On-time payment bonus
- Simple earning &redemption
You can earn unlimited 1.5% cash back on literally every purchase you make every day, and there’s no limit on how much rewards you can earn. Capital One may bump your credit limit up as long as you make your first five monthly payments on time. It provides fraud coverage if your card is lost or stolen. You can get 50% back on your monthly Spotify Premium subscription as a statement credit now through April 2018.
It charges $39 as the annual fee, and its ongoing APR is considerably high. There's no 0% introductory APR period.
The card is easy to use because of the simple earning and redemption way. But it's not a good choice for those who cannot pay the full money back every month.