Good card for those starting out.
I applied for the Capital One Quicksilver card in July of 2014 and was instantly approved with a $500 limit. The card allows me to get 1% cash back on every purchase. I used the card to purchase a few expensive items, and I was quickly racking up a good amount of cash back in my account. The card allows you to use your cash back in a number of ways. You can give yourself more credit, you can purchase airline miles, or you can use the “purchase eraser” which allows you to remove a purchase from your transaction history, crediting your account.
So far, I have had only one interest charge even though I have held a balance on it since my first purchase. My balance remained around 50% of my $500 limit for most of the time I had it. The monthly payments are quite low, at $25 per month. I have been paying at least twice that much every pay period in order to get my credit score up. Recently, Capital One raised my credit limit to $750. I would recommend the Quicksilver card to anyone who is starting out building up their credit. It is a very simple and easy to use, no strings attached card.