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Tag: interest-free spending
Capital One Quicksilver Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card: An In-Depth Overview
The Capital One Quicksilver Cash Rewards Credit Card is a renowned cashback credit card that has gained popularity among consumers looking for straightforward rewards and flexible redemption options. Issued by Capital One, a well-established financial institution, this card is designed for those who want to earn rewards without the complexity of rotating categories or spending limits.
Card Type
The Capital One Quicksilver is primarily a cashback credit card, making it ideal for individuals who prefer to earn cash back on their everyday purchases. This credit card appeals to a wide array of consumers thanks to its ease of use and attractive rewards program.
Annual Fee
One of the most appealing aspects of the Capital One Quicksilver Cash Rewards Credit Card is that it comes with no annual fee. This feature allows cardholders to fully benefit from all the rewards and perks without the burden of an upfront cost.
Rewards Program
Users of the Capital One Quicksilver can earn an unlimited 1.5% cash back on every purchase, every day. This straightforward rewards program makes it easy for cardholders to accumulate rewards without having to track complicated bonus categories or promotional offers. Cash back can be redeemed in a variety of ways, including statement credits, checks, or deposits into a Capital One account, providing flexibility for users on how they use their rewards.
Sign-Up Bonus
The Capital One Quicksilver Card also offers an attractive sign-up bonus. New cardholders can earn a one-time bonus of $200 after spending $500 on purchases in the first three months from account opening. This bonus can give a significant boost to cash back earnings right from the start.
APR (Annual Percentage Rate)
The regular APR for the Capital One Quicksilver Cash Rewards Credit Card is competitive, typically ranging between 15.49% to 25.49%, depending on creditworthiness. Additionally, new cardholders often benefit from a 0% introductory APR on purchases for the first 15 months, allowing for interest-free spending during that period.
Foreign Transaction Fees
Traveling internationally? The Capital One Quicksilver Cash Rewards Credit Card has you covered with no foreign transaction fees. This means cardholders can use their credit card abroad without worrying about extra charges, making it an excellent choice for frequent travelers.
Balance Transfer Options
For those looking to consolidate debt, the Capital One Quicksilver offers special balance transfer options. Cardholders can take advantage of a 0% APR for 15 months on qualifying balance transfers, although a 3% fee on the amount transferred will apply. This feature can provide significant savings on interest when managing existing credit card debt.
Additional Fees
While the card boasts several beneficial features, users should be aware of other potential fees. These may include late payment fees up to $40 and cash advance fees that are either 3% of the amount or $10, whichever is greater. It’s essential to be mindful of these costs to maintain a good standing with the card.
Card Benefits and Perks
The Capital One Quicksilver Cash Rewards Credit Card comes with a variety of benefits and perks. Notable features include travel accident insurance, 24-hour roadside assistance, and extended warranty coverage on eligible purchases. Additionally, cardholders may access discounts and offers through Capital Ones travel portal, enhancing their spending value.
Customer Protections and Insurance
Capital One prioritizes the security of its cardholders, offering robust customer protections. This includes $0 fraud liability, meaning cardholders wont be held responsible for unauthorized purchases. The card also provides purchase protection that covers eligible new purchases against damage or theft for the first 90 days, as well as rental car insurance when using the card for payment.
Eligibility and Credit Score Requirements
While the Capital One Quicksilver Cash Rewards Credit Card is accessible to a broad audience, applicants are generally encouraged to have a good to excellent credit score (typically 670 or higher) for approval. This ensures that more favorable terms are offered to users who are financially responsible.
Introductory Offers
Beyond the aforementioned 0% APR for purchases, the card also offers an enticing introductory period that allows new users to maximize their savings as they acclimate to the credit card’s features.
Special Features or Unique Selling Points
What sets the Capital One Quicksilver apart from other cards is its unlimited cashback which is earned on every transaction without the need to worry about rotating categories or minimums. The simplicity of its rewards structure makes it one of the most user-friendly cashback credit cards available.
How to Apply
Applying for the Capital One Quicksilver Cash Rewards Credit Card is simple and straightforward. Interested applicants can initiate the process online, where they will be guided through a quick application. For more detailed information or to complete your application, visit the official site: UpCube.net. Dont miss out on the opportunity to earn unlimited cash back with the Capital One Quicksilver. Apply today!
First Horizon Business Rewards Mastercard
First Horizon Business Rewards Mastercard: Comprehensive Overview
The First Horizon Business Rewards Mastercard is a robust credit card designed specifically for business owners seeking to maximize their expenses while earning rewards on everyday purchases. Issued by First Horizon Bank, this card focuses on providing valuable perks, competitive rewards, and added benefits to support business growth.
Card Type
The First Horizon Business Rewards Mastercard falls under the category of a business rewards credit card. It is crafted for businesses of all sizes, making it an ideal choice for entrepreneurs who wish to enhance their spending with attractive rewards.
Annual Fee
A significant advantage of the First Horizon Business Rewards Mastercard is its no annual fee feature. This makes it a cost-effective option for small business owners and freelancers who want to avoid extra costs while earning rewards.
Rewards Program
This card offers a generous rewards program, allowing cardholders to earn 1.5% cashback on every purchase made. Moreover, specific categories such as office supplies, advertising, and internet services provide enhanced benefits where users can earn 3% cashback. Rewards can be redeemed as cashback deposited directly into your bank account, providing flexibility and immediate benefits for business needs.
Sign-Up Bonus
Upon approval, new cardholders can take advantage of a lucrative sign-up bonus. To qualify, you need to spend a minimum of $3,000 within the first three months of account opening. Successfully meeting this requirement will earn you a substantial $500 cashback, significantly boosting your rewards value right from the start.
APR (Annual Percentage Rate)
The First Horizon Business Rewards Mastercard features a competitive regular APR of 15.99% to 24.99%, depending on creditworthiness. Additionally, there’s an introductory offer of 0% APR on purchases for the first 12 months, allowing businesses to invest in necessary tools and resources without immediate interest costs.
Foreign Transaction Fees
For businesses involved in international operations or travel, this card is advantageous as it has no foreign transaction fees. This feature makes it easy to use your card for purchases abroad without the worry of incurring additional charges.
Balance Transfer Options
If you are looking to consolidate debt, the First Horizon Business Rewards Mastercard offers a solid balance transfer option. New cardholders can enjoy 0% APR on balance transfers for the initial 12 months. However, a 3% balance transfer fee applies, which is fairly standard in the industry.
Additional Fees
It’s important to be aware of other fees associated with the card. These include a late payment fee of up to $39 and a cash advance fee of either 3% of the amount or a minimum of $10, whichever is greater. Understanding these fees can help in managing your account effectively.
Card Benefits and Perks
Cardholders of the First Horizon Business Rewards Mastercard benefit from numerous perks that heighten the overall value of the card. This includes access to travel insurance, auto rental collision damage waiver, and 24/7 concierge servicesâ€an absolute boon for busy entrepreneurs. Additionally, cardholders may gain access to exclusive promotional events or discounts from various business partners.
Customer Protections and Insurance
The card also emphasizes user security with robust customer protection policies. It features zero liability fraud protection, ensuring that unauthorized purchases won’t burden cardholders. Furthermore, the card includes purchase protection, safeguarding eligible purchases against theft or damage within a specified period.
Eligibility and Credit Score Requirements
To be considered for the First Horizon Business Rewards Mastercard, applicants typically need a good to excellent credit score which is generally considered to be between 700 to 850. Other criteria may include the length of business operations and income level to assess creditworthiness adequately.
Introductory Offers
The card provides an introductory 0% APR for 12 months on both purchases and balance transfers, making it a favorable time for businesses looking to make significant spending or consolidate debt without interest penalties.
Special Features or Unique Selling Points
One of the unique selling points of the First Horizon Business Rewards Mastercard is its straightforward cashback rewards structure with no rotating categoriesâ€allowing cardholders to earn consistently without monitoring bonuses. Additionally, the no annual fee aspect enhances its appeal for budget-conscious business owners.
How to Apply
Applying for the First Horizon Business Rewards Mastercard is straightforward. Interested applicants can visit the official website of First Horizon Bank or apply in-branch. For quick access and convenience, you can directly ‘>official website and explore the financial benefits it has to offer. For more insights on managing your finances effectively, visit UpCube.net.