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The Capital One Quicksilver Cash Rewards Credit Card is one of the best fixed rate credit cards on the market. With unlimited 1.5% cashback on every purchase, a $200 sign up bonus for new cardholders who spend $500 in the first three months, and 15 months of zero APR on balance transfers and purchases (then from 16.49 to 26.49 percent with a variable annual interest rate). , this card offers many opportunities for maximum rewards.
However, Capital One does not offer these opportunities to everyone who applies. Capital One Quicksilver Cash Rewards are for people who have built an excellent credit history and have created an appropriate credit score.
Let’s take a close look at what credit score you need for a Capital One Quicksilver Cash Rewards credit card and what you can do if you don’t already have one.
What credit score do I need to get a Capital One Quicksilver Cash Rewards card?
According to Capital One, you need excellent credit to be approved for Capital One Quicksilver cash rewards. Our research shows that you can be approved if you have good or excellent credit—in other words, a FICO credit score between 670 and 850—which gives you a slightly wider range of credit score options.
If you are at all concerned about your credit card application being rejected, you can wait until you have an excellent credit history to apply for that card. If you’re less concerned about your application being rejected, you can try applying with a good credit history and see what happens.
Capital One also offers a pre-approval tool to help you decide which of its credit cards might be suitable.
How can I improve my score to receive this card?
The best way to improve your credit score quickly is to pay off as many outstanding balances as possible (if you have any outstanding bills) and make sure you never miss a credit card payment. These two credit habits may be enough to take your credit score to the next level, especially if you currently have a lot of credit card debt. Remember that 30 percent of your FICO credit score is based on the amount of money you owe your creditors, so the more debt you pay off, the higher your credit score can become.
Want to further improve your credit score? Use a credit building app that tracks your credit score, evaluates your recent credit activity, and suggests improvements. CreditWise® by Capital One® is a great option, plus it’s free and available to anyone who applies. You don’t need a Capital One credit card to access this helpful loan building tool, and it can help you grow your credit to the point where you’ll be eligible for Capital One Quicksilver cash rewards.
What can I do if Capital One rejects my application?
If Capital One rejects your application for Quicksilver Cash Rewards, you have options. Depending on your score, you may be eligible for a Capital One Quicksilver good credit cash reward. This card is for people with good but not great credit and is a stripped down version of the Quicksilver Cash Rewards card with a 1.5 percent cash back on every purchase and no annual fee. However, you are not eligible for a signup bonus or 0% starting annual interest rate.
The Capital One QuicksilverOne Cash Rewards Credit Card also offers a 1.5% cash back on every purchase and is designed for people with average or average credit levels. It’s a FICO credit score of 580 to 669. You’ll need to pay a $39 annual fee for Capital One QuicksilverOne’s cash reward, and you won’t get a signup bonus or 0 percent initial APR, but it’s still a great choice to earn cash rewards by improving your credit.
bottom line
The Capital One Quicksilver Cash Rewards Card is one of the most popular credit cards today, so Capital One can afford to be a little picky about cardholder eligibility. If your FICO credit score is below 670, your application may be rejected.
If your FICO credit score is above 670, you may be accepted for the card depending on other factors such as income. If your FICO credit score is above 740 – or better yet, above 800 – you are more likely to be accepted into the Capital One Quicksilver cash award.
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