Applying for the Capital One QuicksilverOne Card

Discover the QuicksilverOne advantages

The QuicksilverOne Card from Capital One presents an enticing opportunity for individuals aiming to optimize their spending capabilities. With this card, users can avail themselves of unlimited 1.5% cash back on every purchase, coupled with a modest annual fee of merely $39 and a variable APR of 30.74%.

Elevating the experience further, cardholders can indulge in the Uber One monthly membership benefit, granting complimentary access to premium perks for up to 6 months until November 14, 2024.

Moreover, as a QuicksilverOne cardholder, you stand a chance to receive automatic consideration for a higher credit line in as little as 6 months. 

Capital One provides CreditWise, a complimentary service that offers unlimited access to your credit score and essential tools for monitoring your credit profile.

Users can rest assured knowing they won’t incur foreign transaction fees when using the Capital One card outside the United States. 

Furthermore, the grace period for bill payment extends to at least 25 days after each billing cycle, provided the previous balance is paid in full, thus avoiding interest charges on new purchases. 

However, interest begins accruing on cash advances and transfers from the transaction date.

Eligibility for the Capital One QuicksilverOne card

To be eligible for this offer, applicants must have a valid address within the United States, including Washington, D.C., Puerto Rico, or a U.S. military location. 

Applicants must also ensure that their monthly income exceeds their monthly rent or mortgage payment by at least $425. 

Additionally, applicants must be at least 18 years old and possess a valid Social Security Number or Individual Taxpayer Identification Number.

However, there are specific disqualifying factors. These include:

• applying for a Capital One credit card two or more times within the last 30 days;
• having a past due Capital One credit card account;
• exceeding the credit line on a Capital One credit card;
• having had a Capital One credit card that charged off within the past year; 
• individuals with addresses in correctional institutions;
• individuals with a non-discharged bankruptcy;
• individuals who have implemented a credit security freeze or credit lock with one or more credit bureaus.

Capital One QuicksilverOne Card application guide

When applying online for the Capital One QuicksilverOne card, you have two options:

Pre-approval process

1. Pre-approval questionnaire: this involves answering a set of pre-approval questions.
2. Provide information: share details such as your date of birth, address, and income.
3. Find out pre-approval: you’ll find out which cards you’re pre-approved for. You can then choose the offer that best suits your needs.
4. Finish application: answer a few last questions to complete your card application.

Direct application process

• Fill in your personal information, Social Security Number or Individual Tax ID, and citizenship status.
• Specify employment status, total annual income, monthly rent or mortgage payment, and whether you have any bank accounts. Optionally, indicate if you intend to use your credit card for cash advances.
• Consent to paperless communications and statements, authorize SSN verification, and select your preferred language for future communications (English or Spanish).
• Review and acknowledge the important disclosures, including information about eligibility, rates, fees, and other costs applicable to the card.

If you don’t qualify for the QuicksilverOne card, Capital One may consider you for other cards without affecting your QuicksilverOne application. You’ll have the option to accept or decline.

Further information

Choose how you want to use your cash back: receive a check or apply it as a statement credit to your account.

Apply your cash back directly to recent purchases made with your Capital One QuicksilverOne card.

Redeem your rewards for gift cards from a variety of retailers and brands.

Access exclusive deals on thousands of trip options with Capital One Travel. Earn 5% cash back on hotels and rental cars booked through Capital One Travel.

Considering other credit card options? 

The Discover It® Cash Back card provides cashback rewards on purchases, with rotating quarterly cashback categories and a cashback match at the end of your first year.

Written by

Ellen Queiroz (Redatora)