Is Capital One Quicksilver a Visa or Mastercard?

Capital One Quicksilver Cash Rewards Credit Card is a Mastercard. That means you can use your Capital One Quicksilver card at millions of merchant locations in more than 210 countries and territories, wherever payments through Mastercard are accepted.

Things to Know About the Capital One Quicksilver Card

• Card acceptance: The Capital One Quicksilver is accepted by millions of retailers in over 210 countries and territories. Almost every merchant that takes credit cards accepts Mastercard.
• No foreign transaction fees: On top of the Capital One Quicksilver’s wide global acceptance, frequent travelers will also enjoy the card’s $0 foreign transaction fee. That means you’ll be able to use this card abroad without having to pay a surcharge on everything you buy. Cards with foreign transaction fees typically charge an extra 1% to 3% on international purchases.
• Mastercard benefits: The Mastercard level of benefits that you will get will depend on your credit standing. If you qualify for the World Elite Mastercard, your Capital One Quicksilver will include perks such as travel insurance, concierge services, and purchase protection, among other benefits. For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
• Additional perks: The Capital One Quicksilver card provides plenty of its own rewards and perks to complement the array of benefits offered by Mastercard. For example, the card offers 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, 5% cash back on Capital One Entertainment through 12/31/25, and 1.5% cash back on all other purchases.

It is worth noting that a card network is the company that helps process credit card transactions and determines where a card is accepted. Having said that, both Visa and Mastercard benefit from the most extensive worldwide acceptance. So, you’ll have no problems using your Capital One Quicksilver, regardless of its card network.

There must be two versions of the card then, that or they kept it MC when I requested a product change. Originally had QS One card and after about 1 year (maybe 1.5 years), I requested a product change to QS. My QS card is MC and not Visa. The QS One card is a Mastercard, so I am guessing Cap1 did not change it over to the Visa during product change. Only difference between the two is annual fee and MC vs Visa. Hasn't bothered me once that my QS is MC and not Visa. 

I had my Platinum MasterCard converted to a QuickSilver card as well and it remained a MasterCard. 

In the months since I posted my review above, it seems CapitalOne has made some further changes to their Quicksilver lineup.  Regaring what I posted above in Item #2, the base level Quicksilver card (not to be confused with the QuicksilverOne) is a MasterCard “World” card, so not much of a change there.
The bigger news is what I wrote in Item #3; as reported elsewhere, all new Quicksilver cards are on the MasterCard network and I assume all replacement cards currently on the Visa network will be switched at renewal time.  My wife just got one of the Quicksilver cards with a higher limit (i.e. a limit of $5,000 or higher), and it is a MasterCard “World Elite”, which provides some additional benefits over the “World” version.

Hoping to eliminate some of the confusion here; per the Capital One web site, there are 3 separate and distinct versions of the Quicksilver credit card:

1. QuicksilverOne Rewards
   1. Credit requirement: Fair
   2. Annual fee: $39.00
   3. Card type: MasterCard
   4. Rewards: 1.5%
   5. Bonus cash: $0.00
   6. Intro APR: none
2. Quicksilver Rewards
   1. Credit requirement: Good
   2. Annual fee: $0.00
   3. Card type: MasterCard
   4. Rewards: 1.5%
   5. Bonus cash: $0.00
   6. Intro APR: none
3. Quicksilver Rewards
   1. Credit requirement: Excellent
   2. Annual fee: $0.00
   3. Card type: Visa
   4. Rewards: 1.5%
   5. Bonus cash: $200.00
   6. Intro APR: 0% for 15-months

The above said, I have the card outlined in item #2 above and per the agreement CapitalOne sent me, my card has “0.0% intro APR on purchases for 9 months; 26.99% variable APR after that”. I’m not sure if their web site is just behind their current offering, or if they kind of have versions 2.a and 2.b of this particular card.