Capital One Quicksilver Cash Rewards Credit Card
Unlimited 1.5% cash back, zero annual fee
The Capital One Quicksilver delivers straightforward cash rewards with no annual fee and industry-leading flexibility. Earn 1.5% cash back on every purchase, with a bonus rate on eligible Capital One Travel bookings. Perfect for cardholders who value simplicity and immediate cash value.
- Annual Fee
- $0
- cash back · Welcome Bonus
- $200
- Highest rate (conditional)
- Up to 5% (Travel portal)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard World Elite
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Good to Excellent
Welcome Offer
Bonus: $200 cash back
Spend: $500
Period: 3 months
Earning Rates
- 5%
Hotels
5% cash back on hotels booked through Capital One Travel
- 5%
Vacation Rentals
5% cash back on vacation rentals booked through Capital One Travel
- 5%
Car Rentals
5% cash back on rental cars booked through Capital One Travel
- 1.5%
All Other
Flat 1.5% cash back on all purchases with no caps
Earning Scenarios
1.5% unlimited cash back everywhere
Buy $5,000 in groceries, gas, and utilities per month = $75 monthly cash back, $900 annually with no category restrictions.
5% cash back on travel reservations
Book a $3,000 hotel stay through Capital One Travel: earn $150 cash back instantly (5% vs 1.5% standard rate).
1.5% worldwide with no foreign fees
International trip with €2,000 spending: earn €30 cash back equivalent plus $0 foreign transaction fees.
Benefits & Perks
Travel Benefits
3 perksGeneral Travel
Concierge
Insurance & Protections
3 protectionsTravel Accident Insurance Up to $1,000,000
$1,000,000
Coverage for accidental loss of life, limb, sight, speech or hearing during transit on common carrier
Free Credit Monitoring with CreditWise
Track your credit score and get daily credit reports and identity theft alerts for free
Extended Warranty Doubles Coverage, Up to 24 Months
Doubles the original warranty on eligible purchases, up to 24 additional months and $10,000 per claim
Program & Transfers
Cash Back Rewards
Reviews & Analysis
Third-Party Rankings & Ratings
7 sourcesHow It Compares
Quicksilver competes on simplicity and straightforward rewards. Unlike cards requiring category spending, Quicksilver rewards everything at 1.5%, making it ideal for everyday spenders who want cash back without complexity.
Pros and Cons
Pros
- +No annual fee keeps costs at zero
- +Unlimited 1.5% cash back on all purchases with no caps or rotating categories
- +No foreign transaction fees saves 3% on international purchases
- +5% back on hotels, vacation rentals and rental cars booked through Capital One Travel
- +Low $500 spend requirement for welcome bonus is easy to meet
- +No minimum redemption amount for cash back
Cons
- -1.5% flat rate is lower than category-specific cards offer in their bonus categories
- -No transfer partners for airline or hotel loyalty programs
- -Lacks premium travel protections like trip delay or primary rental car insurance
- -Welcome bonus amount is modest compared to premium travel cards
- -No bonus categories for everyday spending like dining or groceries
Who It's Best For
Best For
- International travelers who want no foreign transaction fees without paying an annual fee
- People who prefer simple, flat-rate rewards without tracking bonus categories
- Those who want easy cash back redemption with no minimum thresholds
- Cardholders looking for a straightforward everyday spending card
Not Ideal For
- Heavy spenders in specific categories like dining or groceries who could earn more with category cards
- Those seeking premium travel benefits like lounge access or travel insurance
- Business owners who need expense tracking and employee cards
- Rewards optimizers who want to maximize points through transfer partners
The Math: Is $0 Worth It?
First-year value includes $200 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| 48 From Bonus | You will not be eligible for a signup bonus on the same card if you’ve received one for THAT card in the previous 48 months. |
| Cap One 1/6 | You won’t be approved for a second Capital One card if you’ve opened one in the past six months |
Payment Terms
| Purchase APR | 18.74%–28.74% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Video Reviews
8 videosCapital One Expert weighs in on the Quicksilver Credit Card for 2025?
Capital One Quicksilver Honest Review | GOOD OR BAD IN 2020??
Is The Capital One Quicksilver Credit Card STILL Worth It? 2025
Capital One Quicksilver Credit Card Review | Quicksilver Card WORTH IT in 2025?!
Capital One Quicksilver Cash Rewards Card Review (HONEST Pros & Cons)
Capital One Quicksilver Student vs Student Cash Back | Best Student Card 2026?
Capital One QuickSilver Credit Card Review
Third-Party Articles & Reviews
Capital One Quicksilver Cash Rewards Credit Card 2026 Review
US News rates the Quicksilver 4.6/5, highlighting its simple flat 1.5% cash-back earning structure and $0 annual fee for cardholders who prioritize simplicity.
Capital One Quicksilver Cash Rewards review: Full details
TPG's comprehensive review evaluates the Quicksilver's 1.5% flat cash-back rate, welcome bonus, and benefits like auto rental insurance and extended warranty protection.
Capital One Quicksilver Cash Rewards Credit Card review: A passable flat-rate cash back card
Bankrate's review rates the Quicksilver at 3.8/5, noting its solid intro APR and no annual fee but observing the 1.5% rate falls short of competing 2% flat-rate cards.
Capital One Quicksilver Cash Rewards Card Review 2026
Capital One Quicksilver Review: A No-Fuss, No-Gimmicks Card
Capital One Quicksilver Cash Rewards Credit Card Review
Capital One Quicksilver Cash Rewards Credit Card Review
Capital One Quicksilver Cash Rewards Credit Card Review
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| CardRatings | — | CardRatings |
| CardRatings | — | CardRatings: Spend requirement |
| CardRatings | — | CardRatings: Bonus categories |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Capital One | Capital One |