Capital One Credit Card Quicksilver

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I’ve never been a big supporter of credit cards. All of that debt and the high interest just scares me. Not to mention that I saw my parents rack up loads of debt on them when I was a kid. But a couple of years ago, our family decided that we wanted to go to Disney World. And after tons of research, I was able to find a credit card to help us make that dream a reality.

Getting a credit card isn’t something I did lightly. I spent countless nights researching, comparing, researching, and comparing some more. I finally settled on the Capital One Quicksilver credit card as the perfect one for our family. Let me tell you why!

Why the Capital One Quicksilver Credit Card

1. You earn unlimited 1.5% cash back on every purchase, every day. I figured if I was going to be buying stuff anyway, I might as well get some money back when I made those purchases.

2. As a new member, you’ll earn a one-time $200 cash bonus once you spend $500 on purchases within 3 months from opening your account. If you’re planning a big purchase, then this is like free money. In our case, we were going to buy airplane tickets, which were more than $500. We put them on the credit card, earned $200 cash back, AND got 1.5% cash back on that purchase. Not too bad.

3. There are numerous ways to redeem your rewards. You can redeem them with Paypal online when you check out with Paypal. You can redeem your rewards for cash in the form of a mailed check or statement credit. You can apply your cash back to directly cover a recent purchase, or you can even redeem your rewards for gift cards. If your planning a vacation, this feature is incredibly handy. We’ve used our rewards for extra spending money and redeemed them for gift cards to use towards our meals while on vacation. Win-win!

4. 0% APR for 15 months. We knew we were initially going to be using our credit card for a trip. We also knew we weren’t going to go into debt for this trip because I made that a goal at the beginning planning stages of the trip. This card helped me track exactly what we spent, and knowing I had 15 months to pay it off, kept me motivated to do just that.

5. You can redeem your cash back rewards for any amount at any time. There is no silly rule that you have to wait until you have a certain amount on your card or that you can only redeem your cash during a certain month. You can honestly get it any time you need it. LOVE, LOVE, LOVE!

6. No foreign transaction fees-If you purchase items outside of the United States, you won’t pay any transaction fees. This was awesome when I bought a special gift from overseas for a dear friend who had lost her daughter. I didn’t realize at the time I got this card that it had this perk. I never really thought I’d buy anything overseas. But then when I did, boy, was I sure glad to have this!

7. You get additional warranty protection at no charge on eligible items that you purchase using this card. Score!

8. Complimentary Concierge Service-You have access to personalized dining, entertainment, and travel assistance 24 hours a day, 365 days a year. Just imagine the possibilities!

9. Travel Accident Insurance-We totally used this when we took our Disney trip. You get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare. Woah!

10. 24-Hour Travel Assistance Services-If your credit card is lost or stolen, you can get an emergency replacement card and cash advance. Heaven forbid this should happen, but it’s nice to know it’s there…just in case.

11. Instant Purchase Notifications-This is so simple, but I love it. Any time you make a purchase or apply a payment to your account, you get an instant notification on your phone. That way I always know what’s happening with this card, and it keeps my spending on it in the forefront of my mind.

12. Shopping-The Capital One Shopping tool will automatically apply available coupon codes to your orders, thus saving you even more money! You can even pay for Amazon purchases using your rewards. And goodness knows that I spend too much time on Amazon.

Final Thoughts

Since I’ve had this card, I’ve been very happy with it. The app and notifications make it easy to stay on top of exactly what I’m spending, and I’ve set a weekly reminder on my phone to pay the bill. This way the total doesn’t pile up, and I don’t have to pay interest rates. I’m still able to reap the cash back rewards on things I would be buying anyway. If you’re interested in applying for this card, you can click on my link here to check it out for yourself. You never know, it might be able to help you in ways you didn’t think were possible just like it helped make our Disney trip a reality.

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