I maintain these habits to this day with the rest of my cards. I paid this card off multiple times a month, which allowed me to avoid interest and improve my credit scores. I could focus on staying within a single-digit credit utilization ratio (how much balance you have compared to your credit line, an important credit factor!) and making sure I didn’t carry any balance. It’s a simple no-annual-fee credit card, which makes it a low-maintenance product. The card also allowed me to develop some good credit habits at low stakes. That doesn’t seem like much, but if the Quicksilver stayed my only card for an entire year, I’d earn around $420 in cash back in 12 months. I used to spend around $2,300 on my Quicksilver every month and earn around $35 in cash back in that same period. The 1.5% cash back rate isn’t high, but it is typical for a flat-rate cash back card and when you put everything you can on this type of card, cash back adds up fast. When my entire credit card strategy consisted of the Capital One Quicksilver, I used it on everything – or everything I could without paying fees – meaning I only didn’t use my card to pay rent and purchases that required cash. It worked well for me and helped me learn good credit habits.
My one-card credit card strategyĪs far as cash back credit cards go, starting out with a single flat-rate cash back card may be a good idea. Here’s how I’ve been using my Capital One Quicksilver and why I intend to keep it. Now it’s the card that makes my credit card strategy complete. This credit card used to be my complete credit card strategy. Sure, the Quicksilver might not offer the most exciting rewards rates or perks, but I’m not giving it up even now that I have multiple credit cards. However, my feelings about this card are not all sentimental.
QUICKSILVER CAPITAL ONE HOW TO
See related: How to upgrade a Capital One card It was my first rewards credit card when I upgraded it from the Capital One Platinum Secured Credit Card, which was an exciting milestone since I’d been working on rebuilding my credit for a while. Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier.I have very tender feelings toward my Capital One Quicksilver Cash Rewards Credit Card.Just hover your card over a contactless reader, wait for the confirmation, and you're all set Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier.Help strengthen your credit for the future with responsible card use.Be automatically considered for a higher credit line in as little as 6 months.No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account.Earn unlimited 1.5% cash back on every purchase, every day.Enjoy up to 6 months of complimentary Uber One membership statement credits through.Monitor your credit score with CreditWise from Capital One.
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed.You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time.Building your credit? Using a card like this responsibly could help.Put down a refundable $200 security deposit to get a $200 initial credit line.No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day.Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you.Build your credit with responsible card use.Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal.Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card.Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen.Enjoy no annual fee, foreign transaction fees, or hidden fees.Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges.
QUICKSILVER CAPITAL ONE PLUS
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases.
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