Reddit · r/CapitalOne · May 11, 2026
MixedSummary of a Reddit comment
They kept their Quicksilver for about 8 years without problems except that the account seemed bucketed on credit limit, and closed it after getting a Savor with little impact.
Capital One Quicksilver Reviews
Cash-back card
How the signal works
The signal score
A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.
So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.
What people mention
Common concerns
Topics grouped from customer reviews, with how many mention each; read the originals below.
Real customer experiences (279)
Add your reviewShowing 17 reviews mentioning reliable Show all
Reddit · r/CreditCards · May 31, 2025
PositiveSummary of a Reddit post
They have used the Quicksilver as their daily card for eight years and call it solid, with flat 1.5% cash back, no foreign transaction fees and no annual fee. They now wonder what could beat it as their spending grows.
Reddit · r/CapitalOne · Oct 30, 2026
PositiveSummary of a Reddit post
They have held their Quicksilver for over 15 years as their first real card and still keep it, now using it only for retail discounts and cash back while travel goes on airline and hotel cards.
Reddit · r/CapitalOne · Oct 23, 2026
MixedSummary of a Reddit comment
They have kept their Quicksilver for around ten years and rarely use it, and it has had just one limit increase. They also converted another older card to Quicksilver for the cash back, with no increases since.
Reddit · r/CreditCards · Sep 2, 2026
PositiveSummary of a Reddit comment
They have kept their Quicksilver Visa Signature since a 2013 phone upgrade from a Platinum card, and hope it stays on Visa rather than moving to the Discover network. Their replacement kept the same number.
Reddit · r/CreditCards · Aug 21, 2026
MixedSummary of a Reddit post
They have kept a Quicksilver for over ten years without thinking about it, but worry that the coming Discover network switch will hurt acceptance on their yearly overseas trips.
Reddit · r/CapitalOne · May 23, 2026
PositiveSummary of a Reddit comment
They have had their Visa Quicksilver since 2015 and are happy with Capital One, but are adding other cards as a precaution against a possible switch to Discover.
Reddit · r/CapitalOne · May 11, 2026
MixedSummary of a Reddit post
They had their Quicksilver for over 20 years and finally paid it off, but no longer have a use for it and are weighing whether to close it in favor of their Savor.
Reddit · r/amex · Jan 6, 2026
PositiveSummary of a Reddit comment
They started with the Quicksilver as their first card while rebuilding credit and, after six months of responsible use, were approved for an Amex Blue Cash Everyday, still going strong eight years later.
Reddit · r/CreditCards · Jul 25, 2025
PositiveSummary of a Reddit comment
They have had their Quicksilver for over six years as a starter card, originally opened as a Platinum and upgraded to Quicksilver after a year, all on a Mastercard.
Reddit · r/CreditCards · Mar 20, 2025
MixedSummary of a Reddit comment
They have held a Visa Quicksilver since 2006 and were never offered an upgrade to the Savor, only Venture options, even after calling Capital One a couple of times.
Reddit · r/CreditCards · Jan 22, 2025
PositiveSummary of a Reddit comment
They have owned a Quicksilver Mastercard for about ten years and still use it regularly, and the app currently shows an upgrade offer to the Savor card.
Reddit · r/CapitalOne · Nov 1, 2026
PositiveSummary of a Reddit post
They started with a Platinum that was upgraded to Quicksilver, alongside a Savor, and have never paid interest by paying the statement balance. They use it lightly and may leave it in a drawer with a small recurring purchase.
Reddit · r/CapitalOne · Aug 26, 2026
PositiveSummary of a Reddit comment
Uses their Quicksilver alongside other Capital One cards with Paze and reports everything works as expected, suggesting another user's checkout errors were probably an app issue and recommending calling support.
Reddit · r/CapitalOne · Jun 21, 2026
PositiveSummary of a Reddit comment
They use the card regularly and usually pay it in full each week. Occasionally carrying a balance past the statement date has led Capital One to raise their limit after a couple of times.
Reddit · r/CreditCards · Oct 26, 2025
PositiveSummary of a Reddit comment
They had a Quicksilver card nearing its expiration date and got an email that the replacement was mailed in late May, arriving a few days later. Card replacement went smoothly and on time.
Reddit · r/CapitalOne · Nov 17, 2025
PositiveSummary of a Reddit post
They product-changed their 20-year-old cash card to Quicksilver to preserve credit history, and Capital One kept their limit, APR and history intact as promised.
Common questions about Capital One Quicksilver
Is Capital One Quicksilver worth it?
Of the 279 reviews with a clear verdict, 35% are positive, 40% mixed and 25% negative. The praise mentioned most is low fees. The most common complaint is poor support.
What do people like about Capital One Quicksilver?
The praise reviewers mention most: low fees (26 reviews), reliable (17 reviews) and easy to use (12 reviews). For example: They called Capital One to upgrade cards: one was moved to a Venture One and their Platinum was upgraded to a no-annual-fee Quicksilver.
What are the most common complaints about Capital One Quicksilver?
The complaints reviewers mention most: poor support (22 reviews), account frozen (11 reviews) and buggy app (3 reviews). For example: Their first card, a Quicksilver, has been restricted for years after a job loss; they paid the debt in full but support would not reopen it or remove it from their app.
What does the signal score of 78 mean?
It's how well reviewed Capital One Quicksilver is, out of 100. Negative and mixed reviews take points off, and so does having only a few reviews: a product needs plenty of them, compared with the most-reviewed products here, to reach the high 80s and 90s. It's worked out from reviews only, needs at least 5 of them, and updates as new ones come in.
What are the specs of Capital One Quicksilver?
Category: Cash-back card. Type: Flat-rate cash-back credit card. Fees: $0 annual fee. Rates & rewards: Unlimited 1.5% cash back on every purchase.
Where do these Capital One Quicksilver reviews come from?
279 are quotes from Reddit, each linked to the original. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.