Is the Capital One Quicksilver Cash Rewards credit card right for me? If you are an American citizen over the age of eighteen, you qualify for the Capital One Credit Card. What exactly does this card offer? Here's what you need to know:
The Capital One Credit Card offers cash back rewards that vary from card to card. I'm sure you're wondering, what does the cash back mean? It means you can accumulate points and when you reach a certain amount of them, you get a cash rebate check in the mail. The different cards have different limits on the cash rebate checks, but they are usually good in the range of three to five dollars. The Annual Fee is not bad at all, in fact, it's a one time fee for a year that is less than one percent annual interest rate.
In addition to cash rebates, the Capital One Credit Card also gives statement credit. You can redeem the cash or statement credit for merchandise at select locations. What about travel? You can book tickets through the site for traveling within the United States, as well as Canada and Europe.
The annual fees are worth noting. They vary by the credit cards offered by Capital One, but you generally pay twenty-five to thirty-five dollars per year in annual fees. The point system for the cash back rewards is much more generous than the annual fees. Still, the credit cards still pay off cash backs, just not in the form of rebates.
So, what is it about the cash backs that make this card so special? The cash, after all, is supposed to be earned. It should be something that is “earned” by using your card. By redeeming rewards points for merchandise at selected stores, you are increasing the cash value of your dollar and are reducing your debt. The more that you use your credit card, the more money you earn.
The annual fee is a small price to pay to get such a good deal. You will also want to investigate the terms of the agreement concerning the exchange of points and rewards for purchases and balance transfers. It may be worthwhile to compare the annual fee and the cash back rewards from other offers.
What about the security of the Capital One quicksilver cash rewards credit card? As with any credit card, you should carefully consider the frequency of your use of your account, both with regard to purchases and balance transfers. You will want to be sure that your monthly payment and the amount of interest are not excessive, particularly if you have investments that could affect the safety of your account. You will also want to be careful that the terms of the agreement do not permit the company to change the interest rate structure in a way that could result in an increase in your monthly payments or a higher annual fee.
The Capital One quicksilver cash rewards credit card has all the features that you would expect from a credit card. It provides generous spending limits, good customer service, travel Rewards program flexibility, online access, and protection against fraud. If you are considering this offer, you will want to carefully review the terms of the agreement regarding the annual fee and the exchange of points and cash backs. If you are already happy with your current bank, it might be best to simply accept the annual fee credit limit. If you are still deciding between the two, be sure to compare the different terms of the arrangement between the Capital One and Discover Cards to see which might be better for your needs.
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