Anyone looking for a no-interest, no-fee credit card for personal use can find that the Capital One Quicksilver card offers that. With a no introductory period, no annual service fees, and no annual balance transfers, this card is perfect for those looking for a credit card with an all-purpose rewards program.
Those who are looking for a flat-rate on each purchase for no interest for a set time frame will find that Capital One Quicksilver card a very practical option. When you spend just a little over $500 at the beginning of your credit card's introductory period, you will earn an unlimited one.5% cash rebate on each purchase and a $100 cash rebate when you reach just $1500 in balance. If you don't use your credit card during the introductory period, you will still be able to redeem the cash rebate and get your money back for purchases that occurred outside of the initial six month period.
Many other credit cards are available, and each have their own advantages and disadvantages. However, the Capital one Quicksilver card has several benefits. For starters, it comes with a low introductory rate of just 0.35%, and there is no balance transfer fee. This means that you won't have to worry about any additional monthly fees. Plus, you won't be subject to overage charges or annual fees and will keep your balance lower, so you won't incur as much debt.
If you are concerned that the no-interest period could make your credit card too tempting to pay off too often, the credit card also offers a grace period of up to fifteen days after your purchase if you decide to stop paying. If you choose to pay the bill in full at this time, then you will no longer be eligible for rebates or cash back rewards. However, if you choose to pay the bill in full, the credit card will provide you with the credit to make future purchases at a later date without incurring an additional debt.
The Capital one Quicksilver card can be used anywhere that offers credit. That is, it can be used to make purchases at the mall, restaurants, department stores and even at gasoline stations. Plus, it offers the convenience of not having to carry your wallet full of bills around.
Most credit cards have limits on how much you can spend, but the Capital one Quicksilver card allows you to carry as much as you like with no limits. Even though you won't earn rebates, you can use your credit card as you normally would, making purchases that include groceries, gasoline, and even eating out at restaurants. This means that you won't be left empty handed when you run out of gas.
