Capital One Quicksilver Cash Rewards Credit Card

Quick Snapshot

• Annual Fee: $0
• APR: Variable APR (rates vary based on creditworthiness)
• Rewards: 1.5% unlimited cash back
• Bonus: $200 cash bonus + $100 travel credit
• Best For: Simple cash back, consistent rewards, everyday spending
• Credit Needed: Excellent (700+)

Overview

The Capital One Quicksilver Cash Rewards Credit Card is a straightforward unlimited cash back card with no annual fee. Earn 1.5% cash back on every purchase with no rotating categories or spending caps, plus enhanced rewards through Capital One Travel. Perfect for those who want simplicity and consistent rewards without the hassle of tracking categories or activation requirements.

With no foreign transaction fees and flexible redemption options, this card combines everyday value with travel-friendly features. The generous welcome bonus package ($200 cash + $100 travel credit) provides strong initial value, while the unlimited 1.5% cash back ensures steady returns on all spending year-round.

APR Breakdown

• Purchase APR: Variable APR (rates vary based on creditworthiness)
• Balance Transfer APR: Variable APR (rates vary based on creditworthiness)
• Cash Advance APR: Variable APR
• Penalty APR: None

Note: No intro 0% APR offer. Best for those who pay off balances monthly rather than carry debt.

Benefits Overview

Travel Benefits

• 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
• No foreign transaction fees when making purchases outside the U.S.
• One-time $100 Capital One Travel credit for eligible primary account holders
• 24-hour travel assistance services for emergencies

Everyday Benefits

• Unlimited 1.5% cash back on every purchase with no caps or limits
• Fraud coverage with zero liability protection
• Free Credit Score Access via Capital One CreditWise
• Cash back rewards never expire for the life of your account
• Multiple flexible redemption options

Lifestyle Benefits

• 5% cash back on purchases at Capital One Entertainment
• Redeem rewards for statement credits, direct deposit, Amazon purchases, gift cards, or travel
• Simple rewards structure with no categories to track or activate
• Mobile app with account management and spending insights

Rewards & Cash Back

• Unlimited 1.5% cash back on every purchase, every day with no caps or limits
• 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 5% cash back on purchases at Capital One Entertainment
• No minimum redemption threshold for cash back
• Rewards never expire for the life of your account
• Redemption options: Statement credits, direct deposit to eligible bank accounts, Amazon purchases, gift cards, and travel bookings

Simple and straightforward: no rotating categories, no activation required, no spending caps to worry about.

Welcome Bonus

Earn a $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

Plus: Eligible Quicksilver primary account holders receive a one-time $100 Capital One Travel credit to use toward purchases made through Capital One Travel.

Total Welcome Value: $300 — an excellent return on just $500 in spending.

Fees Summary

• Annual Fee: $0
• Foreign Transaction Fee: 0%
• Balance Transfer Fee: Varies (typically 3% or $5, whichever is greater)
• Cash Advance Fee: Varies
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Simple rewards seekers who want consistent cash back without category tracking
• Frequent travelers who value no foreign transaction fees
• Everyday spenders looking for steady 1.5% returns on all purchases
• Capital One ecosystem users who can maximize 5% rewards through Capital One Travel
• First-time rewards card holders wanting an easy-to-use cash back card

Not Good For

• Category optimizers seeking 3%+ cash back in specific spending areas
• Balance carriers needing intro 0% APR offers
• Those with fair/average credit (requires excellent credit for approval)
• Premium benefits seekers looking for travel insurance or purchase protections
• Those who prefer travel points over simple cash back

Key Pros & Cons

Pros

• No annual fee makes it accessible for long-term everyday use
• Unlimited 1.5% cash back with no rotating categories or activation
• Generous welcome bonus ($200 + $100 travel credit)
• Enhanced 5% rewards on travel booked through Capital One Travel
• No foreign transaction fees for international purchases
• Rewards never expire for the life of your account
• Simple, straightforward rewards structure anyone can understand
• Multiple flexible redemption options including direct deposit
• Free credit score monitoring via Capital One CreditWise

Cons

• No intro 0% APR offer on purchases or balance transfers
• Lower base earn rate (1.5%) compared to some category-specific cards
• Requires excellent credit (700+) for approval
• 5% travel rewards only apply when booking through Capital One Travel portal
• Limited premium benefits like travel insurance or purchase protection
• Variable APR can be high if carrying balances

Alternatives to Consider

Card	Best For	Annual Fee	Rewards	Credit Needed
Chase Freedom Unlimited®	Better cash back tiers	$0	3%–1.5% tiered	Good+
Citi Double Cash® Card	Highest flat-rate cash back	$0	2% (1% + 1%)	Good+
Discover it® Cash Back	Rotating 5% categories	$0	5% rotating + 1%	Good
Capital One SavorOne	Dining & entertainment focus	$0	3% categories + 1%	Good+

How the Rewards Add Up

Example Annual Value

If you spend $15,000 per year on typical expenses:

Category	Annual Spend	Reward Rate	Earned Value
All purchases	$14,000	1.5%	$210
Capital One Travel bookings	$1,000	5%	$50
Welcome bonus (Year 1)	—	—	$300

First Year Total Value: $560
Ongoing Annual Value: $260

Factor in the no annual fee, and this card delivers consistent value without any ongoing costs.

Should You Get This Card?

You Should Get It If…

• You want simple, consistent cash back without tracking categories
• You have excellent credit (700+) and qualify for premium rewards cards
• You travel internationally and need a card with no foreign transaction fees
• You value straightforward rewards that are easy to understand and redeem
• You spend regularly and want steady 1.5% returns on everything
• You can hit the $500 minimum spend to earn the welcome bonus
• You prefer cash back over travel points or miles

You Should Skip It If…

• You already have good credit but don't meet the excellent credit threshold
• You're looking for category-specific cards with 3%+ rewards in key areas
• You need a 0% intro APR for large purchases or balance transfers
• You want premium travel benefits like trip insurance or lounge access
• You prefer maximizing rewards by rotating between category cards
• You rarely travel and won't benefit from Capital One Travel rewards

Maximizing Your Rewards

Tips to Get the Most Value:

1. Use for all everyday spending to earn consistent 1.5% on everything
2. Book travel through Capital One Travel to earn 5% instead of 1.5%
3. Set up autopay to avoid late fees and maintain excellent credit
4. Monitor Capital One Entertainment for 5% opportunities on event tickets
5. Redeem strategically — statement credits and direct deposit offer full value
6. Pay in full monthly to avoid interest charges that negate rewards value
7. Use abroad for international purchases with zero foreign transaction fees

Spending Strategy:

• Quicksilver for all general purchases (1.5%)
• Pair with a category card (like SavorOne) for dining/groceries (3%)
• Book all travel through Capital One Travel portal (5%)
• Use exclusively abroad (no foreign fees)

Apply Now

Apply for Capital One Quicksilver Cash Rewards Credit Card

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Information accurate as of December 2025. Terms and conditions apply. Please visit the issuer's website for the most current information.