What credit score do you need for Capital One QuicksilverOne? (2024)

What credit score do you need for Capital One QuicksilverOne?

The credit score you need for the Capital One QuicksilverOne card is 640 or higher.

Is Capital One Quicksilver one hard to get?

The QuicksilverOne only requires at least fair credit (FICO score of 580 to 669) to qualify, but the perks are much more limited than the Quicksilver. While you still earn at least 1.5% cash back on each purchase, you must pay a $39 annual fee for this card.

What is the credit limit for Capital One QuicksilverOne?

Anna Leah, Member. The Capital One QuicksilverOne credit limit is $300 - $5,000, according to cardholder reports online. But it will depend entirely on the specifics of your credit and your overall financial situation. So, the better your credit is, the higher you can expect your spending limit to be.

How much income do I need for Capital One Quicksilver?

Your monthly income needs to be at least $425 more than your monthly rent or mortgage payment to get the Capital One Quicksilver Cash Rewards for Good Credit card, according to Capital One. The higher your income is above the minimum, the more likely you are to be approved.

What is minimum credit score for Capital One?

You need a credit score of at least 700 (good credit) for the best Capital One credit card offers. However, other options are available for people with lower scores. It is possible to get approved for a credit card from Capital One with limited credit history or a bad credit score, for example.

Which is better Quicksilver or Platinum?

THE WINNER. Capital One Quicksilver is better than Capital One Platinum because it offers attractive rewards and a 0% introductory APR. Capital One Platinum doesn't offer low introductory rates or any kind of rewards – just the ability to build credit without paying an annual fee.

What card is better Quicksilver or Quicksilver One?

Bottom Line. If you have excellent credit, the Capital One Quicksilver Cash Rewards Credit Card is the clear winner here. It's the same as the Capital One QuicksilverOne Cash Rewards Credit Card but with no annual fee (rates & fees), a welcome bonus and better benefits.

Is QuicksilverOne a good credit card?

Capital One QuicksilverOne Review: Above-Average Rewards for Average Credit. People with fair credit can earn 1.5% cash back on every purchase. That's the same rewards rate that the issuer offers to those with excellent credit, although this card has a fee.

How often does Capital One Quicksilver give credit increases?

The Capital One Quicksilver Cash Rewards for Good Credit will increase your credit limit no more than once every six months generally. This time frame applies whether you request a credit limit increase yourself or wait for Capital One to offer you an automatic increase.

How long does it take to get approved for Capital One Quicksilver?

If you apply by phone or online, you'll typically get a response within 60 seconds. If you submit a paper application, it will take longer. But no matter how you apply, Capital One generally notifies applicants of the decision in writing within seven to 10 days of receiving the application.

Why is it so hard to get a Capital One credit card?

Some Capital One credit cards are hard to get because they require at least good credit, which means you need a credit score of 700+ for good approval odds. Other Capital One credit cards are easier for people with lower credit scores to get approved for, so it's important to choose wisely.

Why would Capital One deny me?

Having too much existing debt or too low disposable income, or even having too many hard inquiries on your credit report could result in a denial.

Is Capital One Quicksilver good for building credit?

Yes, the Capital One Quicksilver Cash Rewards Credit Card builds credit, since Capital One reports your account information to all three major credit bureaus each month. Making on-time payments and keeping your balance low will improve your score.

Which Capital One card is easiest to get?

The Capital One Platinum Secured Credit Card (see rates and fees) is easier to qualify for because it's a secured card, which means you'll need a security deposit to open the card.

What is the hardest Capital One card to get?

Capital One Venture X Rewards Credit Card

A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The Capital One Venture X Rewards Credit Card is hard to get because it requires excellent credit for approval and charges an annual fee of $395. You get a lot in return, though.

What is the average US credit score?

The average FICO credit score in the US is 718, according to the latest FICO data from April 2023. The average VantageScore is 701 as of January 2024. Credit scores, which are like a grade for your borrowing history, fall in the range of 300 to 850.

Is Savor One better than Quicksilver?

Is the Capital One SavorOne better than Quicksilver? Overall, these cards are a close match. However, SavorOne offers slightly better cash-back rewards. Because the higher rewards are earned, in part, on groceries and dining, the SavorOne is likely to generate more rewards for almost anyone than the Quicksilver card.

How do I upgrade my Capital One QuicksilverOne card to Quicksilver?

To upgrade your Capital One QuicksilverOne card over the phone contact customer service at (800) 227-4825 and ask if you're eligible for an upgrade. There's no credit check associated with a request to upgrade.

How do I increase my Quicksilver credit limit?

Choose the Capital One QuicksilverOne card from the list of account options (if you have more than one Capital One card). Click the "Services" tab. Click the "Request Credit Line Increase" link. Enter your total annual income, employment status, monthly housing payment, and maximum desired credit limit.

What is the difference between Capital One Quicksilver and QuicksilverOne?

Capital One Quicksilver FAQ

Quicksilver vs. QuicksilverOne: What's the difference? While you'll typically need excellent credit to get approved for a Quicksilver card, QuicksilverOne is available for people with fair credit. You'll still earn unlimited 1.5% cash back on every purchase but there's a higher APR.

What is the difference between Capital One Quicksilver and Capital One Quicksilver one?

Many credit cards offer a range of APRs based on creditworthiness. The Capital One Quicksilver Cash Rewards Credit Card offers a 19.99% - 29.99% (Variable). Because Capital One QuicksilverOne Cash Rewards Credit Card is offered to customers with fair credit, it comes with a higher 30.74% (Variable) APR.

How many credit cards should you have?

It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.

Is Capital One Quicksilver One worth it?

The Capital One QuicksilverOne Cash Rewards Credit Card is worth getting if you want flat-rate cash back with no annual fee, or if you want an intro APR offer for purchases and balance transfers; 30.74% (Variable) after that; balance transfer fee applies.

How to get $200 Capital One Quicksilver?

New card holders who choose the Capital One Quicksilver can earn $200 in bonus cash back after spending $500 on purchases within the first three months after opening the account. That's a great return for spending just $167 or more on the card each month for the first three months.

What is the annual fee for Capital One QuicksilverOne?

What Are the Fees Associated With the Capital One QuicksilverOne Cash Rewards Credit Card? Annual fee: $39. Balance transfer fee: A balance Transfer Fee applies to balances transferred at a promotional rate. Cash advance fee: 5% of the amount of the cash advance, but not less than $5.