description Capital One Quicksilver M2 Overview
The Capital One Quicksilver M2 offers a flat 1.5% cash back on all purchases. It's a straightforward option for those who want a simple rewards card without rotating categories or complex rules. While the 1.5% rate is competitive, it lacks the higher earning potential of cards with bonus categories. The card's benefits are limited beyond the cash back.
info Capital One Quicksilver M2 Specifications
| Annual Fee | $0 |
| Card Network | Visa |
| Purchase Apr | 15.49%-25.49% Variable |
| Sign-Up Bonus | $200 after $500 spend in first 3 months |
| Cash Back Rate | 1.5% flat on all purchases |
| Credit Required | Good to Excellent (FICO 670+) |
| Cash Advance Apr | 26.99% Variable |
| Late Payment Fee | Up to $40 |
| Balance Transfer Apr | 15.49%-25.49% Variable |
| Minimum Credit Limit | Varies by applicant |
| Foreign Transaction Fee | None |
balance Capital One Quicksilver M2 Pros & Cons
- Flat 1.5% cash back on all purchases with no category restrictions
- $0 annual fee with no hidden costs or minimum redemption requirements
- No foreign transaction fees for international purchases
- Sign-up bonus of $200 after spending $500 in the first 3 months
- Unlimited cash back that never expires
- Simple redemption options: statement credit, check, or gift cards
- 1.5% earning rate is modest compared to cards offering 2-5% in bonus categories
- No intro APR offer for purchases or balance transfers
- Limited premium benefits like travel insurance or purchase protection compared to travel cards
- Requires good to excellent credit (typically 670+) for approval
- No bonus categories for dining, gas, or groceries like competing cash back cards
help Capital One Quicksilver M2 FAQ
What is the cash back rate on the Capital One Quicksilver M2?
The Quicksilver M2 offers a flat 1.5% cash back on every purchase, with no spending limits or rotating categories to track. This unlimited earning rate applies from your first transaction and doesn't decrease over time.
Does the Capital One Quicksilver M2 charge an annual fee?
No, the Quicksilver M2 has no annual fee. You can earn unlimited 1.5% cash back without paying any yearly charges, making it a cost-effective choice for budget-conscious cardholders.
Are there foreign transaction fees with the Quicksilver M2?
The Quicksilver M2 charges zero foreign transaction fees, making it a solid choice for international travelers who want straightforward cash back without extra charges on purchases abroad.
What credit score is needed for the Quicksilver M2?
Capital One typically requires applicants to have good to excellent credit, generally a FICO score of 670 or higher. Those with limited credit history or lower scores may face rejection.
How does the Quicksilver M2 compare to the Quicksilver One?
The main difference is accessibility: the M2 requires good credit and offers a $200 sign-up bonus, while the Quicksilver One targets average credit applicants and includes a $95 annual fee that is often refunded after the first year.
What is Capital One Quicksilver M2?
How good is Capital One Quicksilver M2?
How much does Capital One Quicksilver M2 cost?
What are the best alternatives to Capital One Quicksilver M2?
What is Capital One Quicksilver M2 best for?
Consumers with good credit who want a simple, no-annual-fee cash back card with straightforward 1.5% earnings on all purchases and no foreign transaction fees.
How does Capital One Quicksilver M2 compare to SoFi Cash Rewards Credit Card?
Is Capital One Quicksilver M2 worth it in 2026?
What are the key specifications of Capital One Quicksilver M2?
- Annual Fee: $0
- Card Network: Visa
- Purchase APR: 15.49%-25.49% Variable
- Sign-up Bonus: $200 after $500 spend in first 3 months
- Cash Back Rate: 1.5% flat on all purchases
- Credit Required: Good to Excellent (FICO 670+)
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