Capital One® Quicksilver® Card - 0% Intro APR for 15 Months Review

Our Detailed Review of This Card

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The Capital One® Quicksilver® Card - 0% Intro APR for 15 Months is a great choice for those looking to avoid interest on purchases or balance transfers for a long period of time and earn fixed cash back rewards instead of rotating categories.

First off, let's talk about the APR. The 15-month 0% intro APR on both purchases and balance transfers is like getting a 15-month, interest-free loan on all your purchases! You could even transfer your balance from another card if your interest rates are getting too high. Just keep in mind that the Capital One® Quicksilver® Card does have a 3% balance transfer fee, which is pretty standard for credit cards. Depending on how much you plan to transfer, it is likely still worthwhile. After the intro APR period, a 14.74%-24.74% variable APR applies.

Next up, the Capital One® Quicksilver® Card gives you an unlimited 1.5% cash back on all your purchases — and that cash back never expires! That, along with its lack of an annual fee, makes it a great choice for those looking for a card that'll add some money to their wallet. And as if that's not enough, in addition to consistent cash back on all purchases, the Capital One® Quicksilver® Card has a very attainable intro bonus of $150 that you'll earn after spending $500 on purchases in the first 3 months of account opening — that's 30% cash back on the first $500 you spend!

The cash back rewards you'll receive are easy to redeem at any time via statement credit, check or gift card. You can even set up automatic statement credits that will hit your account once you earn a set amount of cash back (you can decide how much).

Cardholders will also receive exciting Visa Signature perks, including shopping discounts, extended warranty, price protection, auto rental collision damage waiver, travel upgrades and savings, complimentary concierge service and emergency card replacement. Plus, there are no foreign transaction fees — a must when using a card overseas. The Capital One® Quicksilver® Card is available to those with good to excellent credit (usually considered a credit score of 700 or higher). 

Overall, the Capital One® Quicksilver® Card is a strong cash back card that combines 1.5% cash back with great benefits, a lengthy 0% intro APR on purchases and balance transfers — and no surprises.


  • One-time $150 bonus after you spend $500 on purchases within 3 months from account opening.
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • No rotating categories and no sign ups needed to earn cash rewards.
  • Your cash back doesn't expire.

Redeem Rewards
  • Redeem cash back any time for any amount, even set up automatic redemption.
  • Cash can be redeemed in the form of check, gift card or statement credit.

Fees and APR
  • Annual Fee: $0.
  • Foreign Transaction Fees: None.
  • Purchase APR: 0% intro on purchases for 15 months, then 14.74% - 24.74% (Variable).
  • Balance Transfer APR: 0% intro on balance transfers for 15 months, then 14.74% - 24.74% (Variable).
  • Balance Transfer Fee: 3%.
  • Terms and Conditions

Apply for a Capital One® Quicksilver® Card - 0% Intro APR for 15 Months

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