What are the Capital One Quicksilver categories for rewards?

The Capital One Quicksilver credit limit depends on your income, creditworthiness and payment history. Capital One does not list a minimum or maximum credit limit in Quicksilver’s terms and conditions.

If you want to aim for a higher credit limit, there are a number of areas you should focus on improving.… read full answer

Biggest Factors Affecting Capital One Quicksilver Credit Limits

• Your payment history. If you’ve consistently paid your bills on time, creditors will view you as more trustworthy and will be more likely to extend you higher credit lines.
• Income and assets vs. existing debt. The more money you have available for bill payments, the more comfortable a lender will feel.
• Rent or mortgage payments. If these payments take up too much of your monthly income, you’ll have less to spend on credit card bills.

You need at least good credit to get approved. And the better your credit is, the higher you can expect your spending limit to be.

The Capital One Quicksilver is a good everyday rewards card for people with good (700+) or excellent (750+) credit. It offers:

• $200 initial bonus for purchases of at least $500 in the first 3 months of account opening
  
• Unlimited 1.5% cash back on all purchases
  
• Purchase intro APR of 0% for 15 months… read full answer
  
• Extended warranty
  
• Travel Accident Insurance
  
• $0 foreign transaction fee
  
• $0 annual fee
  

So if you want a good rewards credit card without the hassle of rotating bonus categories or earning limits, I’d say the Capital One Quicksilver is a very good choice.

It takes about 14 calendar days for a new Capital One credit card to arrive. And it takes 4-6 business days to get a replacement card, unless you pay $16 for delivery in 2-3 business days. There are no options to get new cards faster. But it won’t always take 14 days for a new card to reach you, depending on how far it has to travel. That’s just the timeframe Capital One quotes people. … read full answer

As far as the approval timeline goes, you could be instantly approved for a Capital One credit card if you apply online. On the other hand, Capital One may need longer to verify your information and decide whether you’re creditworthy enough for the card. If you don’t get a decision right away, you can usually expect to hear back within 7-10 business days. That means you should get your Capital One credit card 14-24 (business) days after submitting an application, assuming you’re approved.

Here’s how long it takes for a Capital One credit card to arrive:

• New cards take up to 14 calendar days to arrive, following account approval. You can’t pay to speed this up.
• Replacement cards take 4-6 business days to arrive. You can cut that timeframe in half by paying $16.
• It can take 7-10 business days to get approved for a Capital One credit card, if you’re not approved instantly when you apply.
• You can expect to have your Capital One credit card in hand anywhere from 2 weeks to a month after you apply.
• You can use your Capital One credit card before it arrives if you download the Capital One app. The app shows you all your card details.

If you’re in the market for a Capital One credit card, there are a ton of good options. You can check out our editors’ latest picks for the best among them and weigh your options.