The card’s lack of an annual fee is also appealing for people who are generally fee-averse and don’t want to worry about earning enough rewards justify a yearly cost. It’s also a good option if you're looking for a long introductory 0% APR promotion on purchases. The Capital One Quicksilver Credit Card is a solid choice for people who either don’t spend a lot in any one budget category or prefer one rewards rate instead of multiple rates, depending on the purchase. Resists or refuses an annual fee on principle or due to cost But if you think you might have a balance left over after the promotional period, or you habitually carry a balance, think twice about applying as there may be lower-priced card options available to consider.
#Capital one quicksilver rewards full
Of course, this APR won’t matter if you pay your balance in full each month, which we recommend. According to the Federal Reserve, the average credit card interest rate across all credit card accounts that access interest is 16.44%. Some other cards have a lower range of APRs. The APR Can be Comparatively High: After the card’s introductory 0% APR promotion ends, the ongoing variable APR can range from 16.49% to 26.49%, based on your creditworthiness.
The Alliant Cashback Visa Signature card gives you 2.5% cash back on all purchases.
#Capital one quicksilver rewards plus
For example, the Citi Double Cash Card, another card with no annual fee, offers 1% back on every purchase plus another 1% when you pay your bill. But if you’re willing to complicate your life a little with a card that offers more rewards in areas where you spend a lot, this one won’t do it. What's more, it doesn’t even offer the highest flat rewards rate out there. No Opportunity for Bonus Rewards Rates: The card's flat-rate rewards structure is appealing in its simplicity.No Penalty APR: Unlike most cards, the APR doesn’t increase to a penalty rate-usually the highest interest rate charged on the card-after you’ve been in arrears on payments for 60 days or more.Foreign transaction fees typically run close to 3% on each international purchase, so this card could save you a good amount on a long trip. It’s not the only cash-back card that waives this fee on purchases made abroad, but you’ll find more cards in that category that do charge it than not. No Annual or Foreign Transaction Fees: The card not only charges no annual fee-common among cash-back credit cards-but also no foreign transaction fee.On top of that, you’ll also get access to an introductory 0% APR on purchases for 15 months, after which the variable APR is 16.49% to 26.49%. That’s an effective 40% return on the required spending and it’s achievable even for someone who has a relatively small budget. Decent Introductory Offers: As a new cardholder, you’ll earn a $200 cash bonus once you spend $500 on purchases within 3 months from account opening.With its mid-level standard rate (there are cards that pay more), this card might prove not only simpler to use but more lucrative in the long run. While many other rewards credit cards offer bonus rewards rates on certain spending categories, some of those also offer only 1% cash back on all other spending. It offers a flat 1.5% cash-back rewards rate on every purchase you make, and there’s no limit to how much you can earn.
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