You can get Capital One Quicksilver pre-approval online. The process should only take a few minutes. Just provide the required personal information and click "See If I’m Pre-Approved". The Capital One pre-approval tool is not specific to Capital One Quicksilver, so it will display all the eligible Capital One credit cards for which you’re likely to be approved. The results are based on your responses and a preliminary review of your credit. This review is known as a soft inquiry and does not affect your credit score.
Here’s how to check for Capital One Quicksilver pre-approval:
Complete the form with the required personal information (such as contact details, Social Security Number, types of bank accounts in your name, employment status, total annual income, rent/mortgage payments).
Select the type of card that appeals to you: Rewards (select at least this option for the Capital One Quicksilver), Low Interest or "Not Sure Yet".
Check the boxes confirming you reviewed the Electronic Communications Disclosure and understood that you’re not submitting a credit card application.
Click "See if I’m Pre-Approved".
If you’ve received a Capital One Quicksilver pre-approval offer in the mail, that means you’re already pre-approved. Capital One has initiated a soft inquiry and determined that you would likely qualify. To apply, visit Capital One’s dedicated web page and enter the Reservation Number and Access Code from the pre-approval letter. You will need this information in order to have the application flagged as pre-approved. Capital One Quicksilver pre-approval doesn’t guarantee approval, but the odds of being approved are in your favor. When presented with a pre-approval offer, you will still have to submit a formal application. When you apply, Capital One will request permission to pull your full credit report. This is called a hard inquiry, and it may cause your credit score to temporarily dip a few points.
Capital One Quicksilver requires at least good credit for approval, so make sure you know where you stand before applying. You can check your score for free, right here on WalletHub.
The Capital One Quicksilver credit score requirement is a score of 700 or higher, as applicants need at least good credit for approval. Capital One also considers applicants’ income and debt when making approval decisions for the Quicksilver card.
The Quicksilver card has the same 1.5% cash back rate as Capital One Quicksilver, but with no signup bonus and a $39 annual fee. Applicants with limited credit have a shot at approval, too. And if you get the Capital One QuicksilverOne Cash Rewards Credit Card, you can easily upgrade to Capital One Quicksilver once your score is higher.
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.
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.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by a WalletHub user.
Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.