Carmen Peters, Member
@carmenpeters
The Capital One Quicksilver credit limit depends on your income, creditworthiness and payment history. According to anecdotal reports, the card’s credit limit can be as low as $750 and as high as $10,000. However, Capital One does not list a minimum or maximum credit limit in the card’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.
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. The better your credit is, the higher you can expect your spending limit to be.

Capital One Quicksilver Cash Rewards Credit Card
Tonya Darris, Member
@Anonymous702
Mine actually started out at a $300 credit limit for the Capital One Quicksilver card while I was in the rebuilding credit phase (almost 600 credit score). Then went to $500 after 5-on time payments and then to $750 after about 12-months. So it really depends on where your credit is. If you have “good credit” then it probably starts at $1000, as they said above. However, if you have no credit, bad credit, or just rebuilding it, then you could start at a lower amount-as I did.

I applied and got it with a fico score of 590 all my dent collections have been settled and paid for. Even though they still sit there for a few more years they have zero balances. My car loan is almost paid off and I have increased my income by 25000 dollars. So It does depend on your situations. I also pay well before due dates sometimes make bi weekly bonus payments too

If you started with a $300 credit limit and an annual fee, you most likely had the Quicksilver One card rather than the Quicksilver card. The Quicksilver One card is for rebuilding credit where the Quicksilver card is for those with good credit. The minimum starting limit for the Quicksilver is $1000, and there's no annual fee. Both cards look almost identical.
Sergiu Costin, Member
@sergiuc_1
My Quicksilver card is at 12k right now. I started off I think at 2.5k 3 years ago and kept applying for client every 6 months or so. It's just a Quicksilver visa and not signature.
People also ask
qahcsllc, Member
@qahcsllc
I have the Quicksilver $7,750 credit line, was trying to get max of $10,000. When I asked for an increase, i was denied because I wasn't using my available credit…I'm like wow!
So I applied for the SAVOR Card, got approved for $10,000, which is a World Elite Mastercard. Howbeit, once I spend a few hundred on the SAVOR Card, Capital One upgraded my Quicksilver card to World Mastercard…Go figure! Was hoping they bump my limit to the $10,000; perhaps if I make high charges, they'll give it…
kncarson3456, Member
@kncarson3456
I've had a secured capital 1 card for a year and I applied for the rewards card and my starting limit is $300. As you make payments before the due date, you will get increases in your limit. Capital 1 has been a great company to work with.

Hello how are you doing today hope all is well with you and your family especially in this crazy time!! Hopefully you can answer a question for me I have been trying to research for a week now. My question to you is do you have a capital one quicksilver card ??? Not the Quicksilver one card. The regular QUICKSILVER CARD?? If so CAN YOU PLEASE PLEASE TELL ME!!! EXACTLY WHAT DATE DOES CAPITAL ONE QUICKSILVER REPORT YOUR BALANCE TO THE CREDIT BUREAUS ???? IT'S ACTUALLY ON YOUR EXPERIAN TRANSUNION OR EQUIFAX REPORT!!!! AS BALANCE UPDATE OR MOST OF THE TIME AS (DATE REPORTED)!!!!! THAT IS THE DAY THAT THEY REPORT TO THE CREDIT BUREAUS!!!! I KNOW SELF LENDER AND CREDIT STRONG REPORTS THE LAST DAY OF THE MONTH!! WHETHER IT’S THE 28TH 30TH OR 31ST OF THE MONTH. QUICK TIP!!! WITH THAT BEING SAID IF YOU HAVE ANY ONE OF THOSE SELF, OR CREDIT STRONG TRY TO ALWAYS PAY IT AT LEAST 2 DAYS BEFORE THE END OF THE MONTH !!! THAT WAY YOUR CREDIT UTILIZATION WILL BE LOW!!!! AND THAT ACTUALLY GOES FOR ALL YOUR CREDIT CARDS!!! ALWAYS ALWAYS TRY TO PAY THE MAX AMOUNT OF MONEY YOU ARE GOING TO PAY AT LEAST 2 DAYS BEFORE THE DATE THEY REPORT IT!! AND HONESTLY IF YOU NEED THE MONEY 2 DAYS OR WHENEVER AFTER THAT YOU CAN DEFINITELY TAKE IT BACK OR SPEND IT AS LONG AS YOU PAY IT BACK 2 DAY AT LEAST BEFORE THEY REPORT TO THE BERUAS !!! THAT’S EXACTLY HOW I HAVE BEEN DOING IT !! AND MY CREDIT HAS BEEN JUMPING UP INCREDIBLY!!! I WAS LITERALLY AT 473 IN AUGUST OF 2020 AND IM AT 705 NOW AND SINCE LATE MARCH EARLY APRIL OF 2021!!! ALL OFF OF DOING A LOT OF RESEARCH AND READING MYSELF!! I REFUSE TO PAY FOR SOMEONE TO WORK ON MY CREDIT WHEN I KNEW I COULD DO IT MYSELF AND GET BETTER RESULTS!!!! SORRY FOR THE LONG TEXT!!! I JUST WANTED TO GIVE YOU USEFUL INFORMATION AS WELL BECAUSE I WOULD LIKE YOUR USEFUL INFORMATION!!! AND IN CASE YOU DIDN'T KNOW!!! EACH ONE TEACH ONE!!! THAT'S HOW WE GET AHEAD!!! THANK YOU IM ADVANCE!!! HOPE TO HEAR FROM YOU VERY VERY SOON!! THANK YOU
Meloheni McClellan, Member
@anntriab
Mine started at $3000 and I just asked for a credit increase to $6000 and got it.
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