Quicksilver from Capital One is a personal credit card from Capital One. The annual fee is $0. The ongoing APR is 18.74% - 28.74% variable APR (checked 2026-10-14) after a 0% intro APR on purchases and balance transfers introductory rate for 15 months. Approval typically requires a credit score of Credit Level: Excellent (Capital One page) or higher. Signup bonus: $200 cash bonus once you spend $500 within 3 months from account opening. Rewards: Unlimited 1.5% cash back on every purchase. Cash back: 3% on groceries, 3% on gas, 1.5% on everything else. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Capital One enforces a 2-card limit (you cannot have more than 2 Capital One personal cards open at any time) and a 6-month rule (you can only be approved for one new Capital One card every 6 months). Capital One pulls from ALL THREE bureaus on every application (triple pull).. Capital One Quicksilver — UPDATED rewards (rolled out 2026 to existing cardholders): 3% groceries / 3% gas / 1.5% else. Card is migrating from Mastercard to Discover network in connection with the Capital One/Discover acquisition. U.S. acceptance is unchanged; international acceptance and certain merchants/online checkouts may be inconsistent. No annual fee, no foreign transaction fee.