@w84ffffffr's wallet | Finly Wallet

How you earn rewards

3% unlimited cash back at eligible grocery stores (superstores like Walmart and Costco excluded)
3% unlimited cash back at eligible gas stations and EV charging stations
1% cash back on all other eligible purchases, with no limits or caps
Cash back doesn't expire for the life of your account and is redeemed as a statement credit

Card details

Interest Rates

Purchase: 21.9% - 29.9%*

Cash Advance: 21.9% - 29.9%*

Balance Transfer: 21.9% - 29.9%*

^* Purchase, balance transfer and cash advance interest rates range from 21.9% to 29.9%, depending on your credit profile.

Annual Fees

Main Card: $0

Additional Cards: $0

Welcome Bonus

New cardholders get an unlimited dollar-for-dollar match of all the cash back earned in their first 365 days, which brings the first-year rates to 6% at groceries, 6% at gas and EV charging, and 2% everywhere else.*

Annual Income

Personal: $50,000

Household: $80,000

Credit Score Estimate

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Card Type

Credit

Reward Type

Cash Back

Our Rating

4.3/5

Institution

Capital One

Insurance & Benefits

7 insurance

3 benefits

Insurance

Coverage

Purchase Protection

90 days

Extended Warranty

1 year

Car Rental Damage & Theft

Charge the full cost of an eligible rental car to your card for a rental period of up to 31 consecutive days and decline the rental company’s Collision Damage Waiver

Common Carrier Travel Accident Insurance

Up to $500,000 per insured person to a maximum of $1,500,000 for all insured persons

Flight Delay

Reimbursement of up to $250 per 24 hours for a maximum of 48 hours (up to $1,000 per trip) for emergency expenses like meals, lodging and essential items

Baggage Delay

Reimbursement of up to $100 per day for up to three days to purchase emergency essential items

Lost or Stolen Baggage

Reimbursement of up to $1,000 per trip for all insured travellers

Benefits

Details

Price Protection

If an item is discounted within 30 days of purchase, Price Protection Service can refund you the price difference up to $100 per item and $500 per calendar year.

Mastercard Zero Liability Protection

Protection from unauthorized charges on your card

No Foreign Transaction Fees

Pros & Cons

Pros

Solid unlimited cash back
No annual fee
No foreign transaction fees
First-year cash back match
Cash back never expires
Lower income requirement
Travel and purchase insurance

Cons

Superstores excluded from grocery rate
Statement credit redemption only
Cash back match lasts first year only

Legal

*This offer is exclusively for new cardholders and must be presented to you at the time of your application. We’ll match the cash back you earn on your eligible credit card from the day your new account is approved through your first 365 days and add it to your Rewards Account within two billing periods after the end of your match period. Cash back is earned on net purchases (purchases minus any credits, refunds, or returns) when a transaction is posted to your account, which may be after the transaction date. Cash advances (including cash-like transactions), balance transfers, interest charges, fees, statement credits, cancelled or reversed redemptions, or any referral credits or rewards are not considered purchases and do not qualify for cash back. We will not match cash back that is posted after your match period ends. Your account must be open and in good standing to receive your cash back match. In good standing means your account is not past due, over the credit limit, fraudulent, restricted, part of a consumer credit counselling program or bankruptcy, and not in violation of your Cardholder Agreement. Rewards can only be redeemed as a statement credit, which do not count towards your monthly minimum payment. Offer is subject to change or cancellation at any time.

¹With your Quicksilver World Mastercard, you will earn unlimited:

3% cash back on purchases made at eligible grocery stores (excluding superstores like Walmart and Costco) with Merchant Category Codes (MCC) 5411, 5422, 5451, and 5499.
3% cash back on purchases made at eligible gas stations and EV charging stations with MCCs 5542, 5541, and 5552.
1% cash back on the amount of all other eligible purchases.

Some merchants may sell gas or groceries, or are separate merchants located on the premises of another merchant, but have a different MCC classification, in which case the higher earn rate does not apply. Cash back is applied to total net Purchases. That means any purchases minus any credits, refunds or returns. Cash advances (including cash-like transactions), balance transfers, interest charges, and fees are not considered purchases and will not earn rewards. Rewards can only be redeemed as a statement credit, which do not count towards your monthly minimum payment. See the full Rewards and Redemption terms and conditions for details.

Capital One is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for a Capital One card, (I/we) may receive compensation from Capital One, which can be in the form of monetary payment.