I think he's cool but Silver Surfer is cooler 
I've fallen into using my Quicksilver for general uncategorized spending. I know there's higher flat rewards cards, I even had the Double Cash at one time. But I just find the QS to be a nice, safe, "no hassle" card. No minimum to redeem. No FTF. Online virtual numbers. Clean website layout. And of all my lenders, I worry least about Capital One bugging out if suddenly my habits change.
@Doodlebug30 wrote:Looking for opinions on the Capital One Quicksilver. Not the QS1, the regular one. From what i understand its a visa signature? At one time this was my goal card. I applied for it 1 year ago and was denied. I guess I'm curious peoples experience with this card and if they love it, hate it or maybe neither? I dont have any capital one cards except my CO backed Kohls card....Also, I cant find alot of DP's on approvals for this card either. Any input would be great. Was thinking of maybe applying in November but not sure if I will get approved.
I agree Capital One is more of a love-it-or-hate-it kind of lender. I'm more in the love-it category, even though I now have higher-paying card options.
IIRC, the Quicksilver was the first card to offer 1.5% uncapped and uncategorized cash-back. Yes, other cards have passed it up with 2% or better cash-back but all those cards have their quirks and strings attached in different ways. I always *LOVED* how easy and straight-forward Quicksilver was to use. Cash back shows up immediately after charges change from pending to posted and you can redeem them right away with no minimum. Fraud protection kicked in a couple of times (real fraud) and Capital One was great. They notified me before I even knew about it. There aren't any gimmicks or strings like with other higher-payout cards. (There are no separate accounts to apply for or maintain; there are no minimum account balances or direct deposit requirements; there is no 1+1 rewards structure; there is no minimum redemption; there is no waiting for rewards to post; there is no expiration of points if your account is inactive; there is a dedicated direct-access app and website; there is no AF; there are no category or spending caps. Just straight-forward and simple cash-back.)
My card dates back to 2009 and started as a Platinum card. I PC'd it to Quicksilver after they released it a few years later.
My biggest gripe with Capital One has been the stingy CLI's. I don't believe I've ever gotten an automatic one. I got the Platinum card specifically to take advantage of a BT offer but then they offered me an incredibly low $1K limit which was useless for that purpose. (My limts were not as high then but $1K was still much less than I expected.) I SD'd it for awhile but started using it more after it upgraded to QS. I started working the CLI requests. At first, my CLI's were something like $1K to 1.5K. Eventually, they grew to $3K once every six months as I requested them but never any higher. It took years but I finally raised that $1K limit to $25K just earlier this year! To get a CLI, you have to put some pretty heavy spend on the card for at least a few months before requesting.
The App and website have both worked very smoothly for me and I've never had any customer service issues.
My card isn't a Visa. It's a Mastercard. They upgraded me to the "World" Mastercard a few years ago. As said earlier, Capital One switches the network they issue cards under.
I haven't used it internationally very often, but the no-FTF is a great benefit.
Somebody mentioned the APR isn't that great. That depends. I don't recall all the progressions of it, but my current purchase APR is only 11.90% variable, which is pretty good for a rewards credit card. So Capital One may reward you with a lower rate. (The advertised rate for new issue Quicksilver cards is currently as low as 15.49%. That is comparable to a Chase Freedom Unlimited's 14.99%, Wells Fargo Cash Wise's 14.49%, and even pretty close to AMEX Cash Magnet or Citi Double Cash's 13.99%. The total spread between them all is only about 1.5% so they are all competitive in that card-class. Not that you'd want to every carry a balance on a card like this anyway! It would wipe out any rewards you earned.)
Overall, if you're content with the lower-earning power but simpler structure, I recommend the Quicksilver. Just looking at your scores, I think you have a good chance of approval.
Im so greatful for all of the responses!