Frequently asked questions

Please activate your new Capital One Quicksilver Mastercard as soon as you get it through the Capital One Mobile app or online at www.capitalone.com/activate. You can also activate by calling 800-678-7820. Once you activate your new Capital One Quicksilver Mastercard, be sure to destroy your old Capital One Walmart Rewards® Card or Walmart Rewards® Card.

We will be sending eligible customers their new Capital One Quicksilver Mastercard on a rolling basis, so not all customers will receive their card at the same time. You may receive, or have already received, a communication in the mail informing you of when your account, including rewards terms, will be changing (“Walmart® Change Notice Letter”). Your new Quicksilver card will arrive after the date mentioned in this letter. We recommend you keep your eye on the mail to ensure you receive all updates.

It is possible to have more than one Capital One credit card account, and it's also possible to have more than one Quicksilver account. Each account will have its own separate credit line, account number and card number.

Once you have activated your new Capital One Quicksilver Mastercard, feel free to sign in to your online account to understand if you're eligible to switch to another Capital One card product. Here's where to go once you've signed in:

• Online Banking: Select your card, navigate to "I Want To" and select "View Offers and Upgrades."
• Capital One Mobile app: Select your card and scroll to the "Special Offers" section.

Or, you can call the number on the back of your card to learn if you're eligible to switch to another Capital One card product. Capital One regularly reviews customer eligibility for account offers.

Until your new Capital One Quicksilver Mastercard card arrives, you can still use your Capital One Walmart Rewards Card or Walmart Rewards Card. Once you receive your new Quicksilver card, please activate and use that card going forward. After activating your Quicksilver card, please destroy your old Capital One Walmart Rewards Card or Walmart Rewards Card. Eligible customers should refer to the Walmart® Change Notice Letter for the timing of when your account is changing.

Yes. You are still responsible for the entire unpaid balance and for managing payments on this card, and your balance will automatically transfer over to any new Capital One card products.

If your question isn't answered here, please call the number on the back of your card.

Yes, your Capital One Quicksilver Mastercard will have a new card number, expiration date and security code.

Yes. After you activate your new Capital One Quicksilver Mastercard, you'll need to update your accounts with the new card information. Once activated, your new Capital One Quicksilver Mastercard can also be added to other digital wallets, including Apple Pay, Google Pay and Samsung Pay™.

After you receive your new Capital One Quicksilver Mastercard, if you're not already enrolled, please visit www.capitalone.com to manage your account online. If you are currently enrolled, you will see your new account when you log in using your existing credentials.

This Capital One Quicksilver Mastercard will not be reported as a new account and your account open date will appear as the same date currently reported for your Capital One Walmart Rewards Card or Walmart Rewards Card on your credit file. The information previously reported to the credit bureaus will be updated with the name "CAPITAL ONE" and the credit bureaus will continue to receive updates based on your ongoing account performance. Even though this is not a new account, if you currently use credit monitoring services, they may send you a new account alert due to the name change to CAPITAL ONE. Please know this is the same account information and open date.

Credit scores take into account a variety of factors, which can include the type of credit card account you have but many other factors as well, including your payment history, other credit accounts you may have, your outstanding balances versus total available credit, length of credit history, etc. Moreover, there are several different credit scoring models (such as FICO, VantageScore and others), and they each will evaluate your card and other factors differently, resulting in different impacts to your credit scores. To find out more about your credit score, you can contact any of the three major credit bureaus (TransUnion, Equifax and Experian). Please note that Capital One will typically continue to send updates to the credit bureaus based on your ongoing account performance as we have done in the past.

Please go to walmart.capitalone.com/card-changes/rewardsterms to access the most current rewards terms that apply to your Capital One Quicksilver Mastercard.

• Starting on the effective date mentioned in your Walmart® Change Notice Letter, you'll earn unlimited 1.5% cash back on purchases everywhere you use your card, including all Walmart® locations.
• Earnings will apply to net purchases (purchases minus any credits or returns) only.
• You will earn 5% cash back on hotels and rental cars booked through Capital One Travel using this card account—all purchases made outside of Capital One Travel such as hotel incidentals, upgrades or other expenses, will not earn the enhanced earn rate, but will receive the standard 1.5% cash back earn rate.
• Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.

There are changes to rewards redemption, and the date of this change will be noted in your Walmart® Change Notice Letter:

• You'll be able to redeem cash back for any amount.
• You'll also be able to redeem rewards for gift cards, to get reimbursed for recent purchases and more.
• You can get your cash back upon request in the form of a statement credit or a check.
• You can also set up an automatic redemption preference; options include: (1) at a set time each calendar year or (2) when a specific threshold has been reached.
• You'll no longer be able to redeem your rewards during checkout at Walmart.com as of the date stated in your Walmart® Change Notice Letter.
• Rates for these redemption options may vary and can change in the sole discretion of Capital One.

You'll keep the full value of all the rewards you've already earned.

Your rewards don't expire as long as your account is open. But if your account is closed, you may lose any rewards you have not redeemed. Accounts that are not in good standing (e.g., suspended, restricted, delinquent, or otherwise in default) or closed may have different redemption options or may lose any unredeemed rewards, as permitted by applicable law and your Capital One Customer Agreement.

There is no cap to the amount of rewards you can earn on eligible purchases.

You may change your automatic redemption preference at any time, but you cannot request an annual redemption to be fulfilled in the same month you make a change. If you have an automatic redemption preference, you may also make upon-request redemptions without interfering with your pre-established automatic redemption preference.

As part of the move to the Capital One Quicksilver Mastercard, you can redeem your travel rewards on Capital One Travel. Go online to travel.capitalone.com to book your flight, car rental or hotel, and use your cash back rewards to pay for your travel. If your travel transaction includes taxes, surcharges, and fees, these expenses will be included in the overall calculation to determine how many cash back rewards are required for redemption.

If you have a Capital One Walmart Rewards Card, you'll retain all of the great Mastercard benefits you enjoy today with the exception of cell phone coverage for those who might have had that benefit. If you have a Walmart Rewards Card, you'll now have access to Mastercard benefits. To review all of your benefits, visit www.priceless.com/capitalone.

No. Your card continues to have no annual fee.

The amount of any late fees has not changed at this time.

Once your account changes to Quicksilver, your statement will no longer reference Walmart® but still will retain all information you are used to receiving.

You will be able to see 12 months of statements once enrolled in the Capital One account management platform.

Please refer to the Walmart® Change Notice Letter mailed to you for specific answers on terms and fees changes.

Please refer to the Walmart® Change Notice Letter you received in the mail from Capital One for more information regarding your account. Your first Capital One statement will also contain this information. You may call the number on the back of your card for any questions.

You can make payments in the following ways:

• Online: Visit www.capitalone.com to sign in or set up your account and make an online credit card payment.
• Mobile app: Download or sign in to the Capital One Mobile app to pay your bill.
• Phone: Call 877-383-4802 to make a payment by phone.
• Mail: Send a check by U.S. Mail to the payment address located on your statement.
• In person: Make a payment at a Capital One branch, if there is a location that is convenient to you. Visit a branch to find out more details.

Other things to know about making payments:

• As of the date listed in your Walmart® Change Notice Letter, courtesy payments will no longer be accepted in Walmart® stores.
• If you have any questions or need more assistance making a payment, please call the number on the back of your card.

As of the date listed in your Walmart® Change Notice Letter, courtesy payments will no longer be accepted in Walmart® stores. If your payment attempt was declined, please use one of Capital One’s other payment options to pay your bill.

If you need help making a payment:

• Call the number on the back of your card.
• Refer to your statement to view all ways to pay your bill.
• Learn more by signing in or setting up an online account at www.capitalone.com.

Yes, after you've activated your new Capital One Quicksilver Mastercard, you will need to update any recurring payments with your new account number and expiration date.

Walmart® Quick Cash will not be available with the Capital One Quicksilver Mastercard.

Yes. Capital One's account management platform will stay the same and comes with helpful features and tools to help you manage your card, monitor purchases and protect your personal information, including:

• $0 Liability for Unauthorized Charges: If your card is lost or stolen, you will not be responsible for unauthorized charges.
• Proactive Account Alerts: Receive an alert if Capital One detects a potential mistake or unexpected charge.
• 24/7 Customer Service: Helpful customer service representatives are available to assist you 24 hours a day.
• Security Alerts: Get notified if Capital One notices potential suspicious activity on your account.
• The Capital One Mobile app: Manage your account anywhere, anytime. Web access is needed to use the mobile app.

Your current account settings, including enrollment in paperless statements, AutoPay and language preferences, will be transferred over.

You can continue to manage all of your Capital One cards online, as you can do today.

Authorized users as well as account managers will remain on the account. New Capital One Quicksilver Mastercards will be mailed to the primary account holder for each authorized user. Cards issued to each authorized user have a unique 16-digit card number different from that of the primary account holder, which provides for additional security.

Yes. Authorized user purchases are eligible to earn rewards with their Capital One Quicksilver Mastercard. Rewards earned by authorized users will be added to the primary account holder's rewards balance.

No. Authorized users have access to certain account information at www.capitalone.com but do not have full access to account management.