Capital One Quicksilver is a Visa card, not a Mastercard. If approved for Capital One Quicksilver, you’ll receive either a Visa Platinum or Visa Signature version of the card. Visa Platinum cards have credit limits starting at $5,000. Visa Signature cards have limits starting at $10,000. To be approved for the Capital One Quicksilver card, you’ll need at least good credit. Quicksilver has a $0 annual fee and earns unlimited 1.5% cash back on all purchases.
While the Capital One Quicksilver card is a Visa for new applicants, the Capital One QuicksilverOne card is a Mastercard. The QuicksilverOne card accepts applicants with limited credit history and gives the same 1.5% cash back rate as the Quicksilver card. However, unlike Quicksilver, QuicksilverOne has an annual fee: $39. It’s a great starter card though. It’s actually interesting to note that if you get the Quicksilver card as an upgrade from QuicksilverOne or Capital One Platinum (the other option for people with limited credit), you might receive a Quicksilver Mastercard. But that may or may not be the case for everybody.
Visa and Mastercard are both accepted worldwide, so you can rest assured that your Capital One Quicksilver card will work anywhere you need it to. You’ll get plenty of benefits from both too.
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.
Capital One issues Visa credit cards and Mastercard credit cards both. Unlike Capital One, which is a bank, Visa and Mastercard are card networks. That means Visa and Mastercard do not issue credit cards but instead help to process their transactions and provide some supplemental benefits.
The best Capital One Mastercard is the Capital One Savor card. It offers a bonus of $300 for spending $3,000 in the first 3 months. And it gives 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. It has a $0 annual fee for the first year and $95 after that.… read full answer
The best Capital One Visa is the Capital One Venture Rewards card. Its initial bonus is 50,000 miles for spending $3,000 in the first 3 months. Venture also gives 2 miles per $1 spent on all purchases. Its annual fee is $0 for the first year and $95 after.
There are some differences between Mastercard and Visa. But these two major card networks are pretty equal in the categories that matter most to consumers: acceptance and secondary benefits. Both Visa and Mastercard are accepted in more than two hundred countries. And it is very rare to find a location that will accept one but not the other. Furthermore, both Visa and Mastercard administer certain benefits programs, including … read full answerrental car insurance and extended warranties. But individual card issuers decide what coverage cardholders receive. So it doesn’t really matter whether you have a Visa or Mastercard in your wallet. As long as you have at least one of them and your card offers competitive terms, you’ll be in good shape. If you’d like to learn more about the similarities and differences between Visa and Mastercard, including how the best credit cards on each network compare, check out WalletHub’s complete Visa vs. Mastercard review.
I had my Platinum MasterCard converted to a QuickSilver card as well and it remained a MasterCard.
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. 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.