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The Quicksilver Cash Rewards Card does double-duty as one of the best cash back credit cards around that's also one of our top picks for a no-annual-fee credit card (rates and fees)
Capital One Quicksilver Cash Rewards Credit Card Apply now lock icon An icon in the shape of lock. On Capital One's website Rates & Fees
Insider’s Rating Info icon Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals. A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Icon of check mark inside a promo stamp It indicates a confirmed selection. PerksAnnual Fee$0
Intro APR0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time)
Regular APR19.99% - 29.99% Variable
Intro Offer Info icon one-time $200 cash bonus once you spend $500 on purchases within three months of account openingEarn a one-time $200 cash bonus
Recommended CreditGood to Excellent
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns 1.5% cash back on every purchase
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Intro APR on purchases and balance transfers
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee and no foreign transaction fees
- con icon Two crossed lines that form an 'X'. Other cards earn more cash back
If you want to earn cash back with minimal effort and no annual fee, the Quicksilver Cash Rewards Card is a good option. Some cards offer a higher rate of cash back, but there are tradeoffs, such as foregoing a welcome bonus offer or keeping track of bonus categories that earn more rewards.
Quicksilver Cash Rewards Card Product Details- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Capital One Quicksilver Overview
There are four main types of cash-back credit cards, and the Capital One Quicksilver Cash Rewards Credit Card falls into the flat-rate rewards category. This means it earns the same amount of cash back on most purchases — in this case, 1.5% — no matter what you buy. In addition, this card now offers 5% cash back on hotel and car rental bookings made through Capital One Travel.
It also means it's one of the easiest cards to use, because you don't have to worry about keeping track of bonus earning categories.
The Capital One Quicksilver Cash Rewards Credit Card has a substantial welcome offer for new cardholders: one-time $200 cash bonus once you spend $500 on purchases within three months of account opening. That's just one of the many reasons the card is so popular.
You'll also get a handful of travel and shopping benefits, including no foreign transaction fees on international purchases (rates and fees).
Capital One Quicksilver Rewards
How to Earn Rewards With the Capital One Quicksilver Cash Rewards
You'll earn a straightforward 1.5% cash back on all purchases, plus 5% back on hotel and car rental bookings through Capital One Travel.
How to Use Rewards From the Quicksilver Cash Rewards
You can redeem your rewards from the Capital One Quicksilver Cash Rewards Credit Card for a check in the mail or a statement credit. It's also possible to redeem rewards for gift cards, and your rewards will never expire as long as your account is open.
Unlike some other cash-back credit cards, there's no minimum redemption amount with the Capital One Quicksilver Cash Rewards Credit Card. You can also set up automatic redemptions, either at a set time each calendar year or when your rewards reach a certain threshold ($25, $50, $100, $200, $500, or $1,500).
Capital One Quicksilver Benefits and Features
The Capital One Quicksilver Cash Rewards Credit Card doesn't come with a ton of benefits, but there are a handful that could save you money if you make use of them.
Introductory 0% APR on Purchases and Balance Transfers
One of the biggest benefits of the Capital One Quicksilver Cash Rewards Credit Card is the 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time), after that, there's a 19.99% - 29.99% Variable APR (rates and fees).
This makes it easy to pay off big purchases over time without incurring huge interest charges. Just be sure you have the means to pay off your balance before the introductory APR period expires. And check out our list of the best balance transfer credit cards for more options.
Free Uber One membership
Through November 14, 2024, cardholders can activate up to six free months of Uber One membership, which comes with perks like ride discounts, $0 delivery fees on eligible Uber Eats orders, and exclusive benefits.
Extended warranty
When you use your Capital One Quicksilver Cash Rewards Credit Card to pay for eligible items that come with a manufacturer's warranty, Capital One will provide extended warranty protection at no charge.
Travel Accident Insurance***
When you use your Capital One Quicksilver Cash Rewards Credit Card to purchase the fare for your trip, you'll be eligible for automatic travel accident insurance for covered losses.
24-hour Travel Assistance Service
If you're traveling and your card is lost or stolen, you can get an emergency replacement, as well as a cash advance, to help you on your way.
Concierge Service
Capital One Quicksilver Cash Rewards Credit Card cardholders can access a concierge service 24 hours a day to help with things like dining reservations, event tickets, and travel bookings. The concierge service itself is free, but any third-party costs are your responsibility.
Event Access
The Capital One Quicksilver Cash Rewards Credit Card gets you access to VIP experiences like curated dinners and chef collaborations, discounts, and on-site perks at sports and concert events. To take advantage of this benefit, you'll need to use your card to purchase your tickets.
Account and Security Alerts
Cardholders receive alerts via text, email, or phone call if Capital One detects suspicious transactions or unexpected charges on the card, and can help you quickly unauthorized card use.
$0 Fraud Liability for Unauthorized Charges
If your card is lost or stolen, you won't be held responsible for unauthorized charges made to your account.
Virtual Card Numbers
If you want to pay for purchases online without revealing your actual card number, you can generate a virtual card number for more security.
Card Lock
Cardholders can easily and instantly lock their account if their card is lost, stolen, or temporarily misplaced to prevent unauthorized charges.
Credit Report Alerts
You can receive alerts when information on your Experian or TransUnion credit report changes, like new account inquiries, credit score updates, or address changes.
Capital One Quicksilver Fees
The Capital One Quicksilver Cash Rewards Credit Card does not charge an annual fee and doesn't add foreign transaction fees, so it's a good pick to use for travel abroad (rates and fees).
As with most cards, there may be fees for late payments, balance transfers (3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time), and cash advances.
Capital One Quicksilver Comparison
There other cash-back cards that offer a similar intro bonus and potentially greater rewards on everyday spending, if you're willing to keep track of bonus categories. They may also offer a higher rate of cash back, but with some/ tradeoffs, such as foregoing a welcome bonus offer or keeping track of bonus categories that earn more rewards.
For example, the Chase Freedom Unlimited and Chase Freedom Flex® earn up to 5% back in certain categories, so depending on your spending habits, one of these cards could be a better fit for you.
And if you're looking for a no-annual-fee card that has a higher rate of return on purchases, the Wells Fargo Active Cash® Card is hard to beat. You'll earn 2% cash rewards on purchases with no limit to what you can earn, along with a welcome bonus of $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening.
Capital One Quicksilver Cash Rewards Credit Card | Chase Freedom Unlimited® | Wells Fargo Active Cash® Card | |
Annual fee | $0 (rates and fees) | $0 | $0 |
Rewards rate | 5% cash back on hotels and rental cars booked through Capital One Travel 1.5% cash back on all other purchases | 5% cash back (5x points) on travel purchased through Chase Travel℠ 3% cash back (3x points) on dining and drugstore purchases 1.5% cash back (1.5x points) on everything else | 2% cash rewards on purchases |
Welcome bonus | one-time $200 cash bonus once you spend $500 on purchases within three months of account opening | additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) | $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening |
Card benefits | Extended warranty Travel accident insurance*** Travel assistance services Up to six months of complimentary Uber One membership statement credits through November 14, 2024 | Extended warranty Car rental insurance (secondary in the US, primary otherwise) Trip interruption/cancellation insurance Travel and emergency assistance services | Cell phone protection Visa Signature® Concierge Roadside dispatch Travel and emergency assistance services Emergency cash disbursement and card replacement Access to the Visa Signature Hotel Collection
|
Intro APR offer | 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time), then a 19.99% - 29.99% Variable APR | 0% intro APR on purchases and balance transfers for the first 15 months, then a 20.49% - 29.24% Variable APR
| 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening, then a 20.24%, 25.24%, or 29.99% variable APR |
Foreign transaction fee | No | Yes | Yes |
Review |
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Capital One Quicksilver Card Frequently Asked Questions
Is the Quicksilver Cash Rewards Card worth it? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.The Capital One Quicksilver Cash Rewards Credit Card is worth it for folks looking to earn straightforward cash back on all purchases for no annual fee. It's also worth considering if you frequently spend on car rentals or hotels and you don't mind booking through Capital One Travel.
Along with that, the Capital One Quicksilver Cash Rewards Credit Card doesn't come with many lucrative benefits, but it still offers decent perks for a $0 annual fee. One of the best perks is six months of Uber One membership, but it's only available for a limited time (offer ends November 14, 2024).
However, there are other cash-back credit cards that earn more rewards (like the Chase Freedom Unlimited or the Chase Freedom Flex). So make sure to check out all your options before applying.
What credit score do you need to qualify for the Quicksilver Cash Rewards Card? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.Most folks who qualify for the Capital One Quicksilver Cash Rewards Credit Card have a good to excellent credit score (FICO score of at least 670).
Why You Should Trust Us: How We Reviewed the Capital One Quicksilver Card
We rate credit cards by weighing five factors equally, and comparing them against other, similar credit cards currently available:
- Welcome bonus offer
- Annual fee
- Rewards rates
- Using rewards
- Benefits
Read more about how we pick the best credit cards and how we rate credit cards »
Holly Johnson Freelance Writer Holly Johnson is a credit card expert, award-winning writer, and mother of two who is obsessed with frugality, budgeting, and travel. In addition to serving as contributing editor for The Simple Dollar and writing for publications such as Bankrate, U.S. News and World Report Travel, and Travel Pulse, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love." Read more Read less 
Tessa Campbell Investing and Retirement Reporter Tessa Campbell is an investing and retirement reporter on Business Insider’s personal finance desk. Over two years of personal finance reporting, Tessa has built expertise on a range of financial topics, from the best credit cards to the best retirement savings accounts.ExperienceTessa currently reports on all things investing — deep-diving into complex financial topics, shedding light on lesser-known investment avenues, and uncovering ways readers can work the system to their advantage.As a personal finance expert in her 20s, Tessa is acutely aware of the impacts time and uncertainty have on your investment decisions. While she curates Business Insider’s guide on the best investment apps, she believes that your financial portfolio does not have to be perfect, it just has to exist. A small investment is better than nothing, and the mistakes you make along the way are a necessary part of the learning process.Expertise: Tessa’s expertise includes:- Credit cards
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Angela Fung Marketing Compliance Manager Angela Fung is the Compliance Manager for Business Insider's Personal Finance division, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice.The compliance team's mission is to maintain reader trust by confirming stories are fact-checked and current so that readers can make informed financial decisions. The team also works to minimize risk for partners by maintaining clear, precise language that is compliant with regulatory and partner marketing guidelines that align with the editorial team. Read more Read less Top Offers From Our Partners 
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***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.
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