Capital One Quicksilver Credit Limit

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The Capital One Quicksilver credit card offers 1.5% cash-back rewards, no annual fee and a APR to those with good to excellent credit. Those with fair credit may qualify for the Capital One QuicksilverOne Rewards card and earn the same 1.5% cash-back rewards for a $39 annual fee and a APR.

Regardless of which card a potential new cardholder applies for, the applicant’s creditworthiness and income will determine their account terms, including the credit limit. Current and prospective cardholders might benefit from knowing the following things about Capital One Quicksilver credit limits.

What Is a Credit Limit?

A credit limit is the maximum amount a cardholder can charge to their credit card. This includes purchases, balance transfers, cash advances and any card fees. Transaction requests exceeding a card’s credit limit are typically declined, unless the cardholder has opted to accept over-limit fees.

What Are the Minimum and Maximum Capital One Quicksilver Credit Limits?

Neither a minimum nor a maximum credit card limit is stated in the Quicksilver card terms. Like most card issuers, Capital One will consider the cardholder’s income, their credit history, their credit score and other factors to determine their credit card limit.

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Capital One will consider raising a new cardholder’s initial credit limit once they have successfully made on-time payments for several months.

How Often Does the Capital One Quicksilver Card Increase Its Credit Limit?

Capital One generally will not raise a cardholder’s credit limit more often than once every six months. Exceptions may be made for some accounts.

Periodically, Capital One may review cardholder accounts and grant automatic credit line increases to eligible cardholders. Those who keep their employment and income information up to date in their Capital One profile and maintain their credit score may increase their chance of receiving an automatic credit limit increase.

Can a Capital One Quicksilver Cardholder Request a Credit Limit Increase?

A Capital One cardholder does not have to wait for an automatic credit limit increase; they may request one on their own. Capital One may take up to 30 days to approve or deny the request, although some cardholders may receive an immediate decision. The cardholder will receive a letter confirming the approval or denial. If the request is denied, the reasons for the denial will be included in the letter.

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A cardholder can easily request a Quicksilver Capital One credit limit increase via the mobile app or online.


Regardless of which Quicksilver card a cardholder has, their credit limit is determined by several factors, including their credit history, credit score and income. Those with fair credit can expect a lower credit limit than those with good to excellent credit.

A cardholder should take steps to maintain an excellent credit score or improve a fair to good one to improve their chance of increasing their Capital One Quicksilver credit limit, whether it’s automatic or by request. A history of on-time payments and low balances can benefit anyone’s credit score.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Aug. 25, 2022.

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Andrea Norris has been in the web publishing business for the past 15 years both as a content contributor and a copy editor specializing in personal finance, frugal living, home and auto topics. She writes both short and long-form content and is well-practiced in SEO keyword research and writing.
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