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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 bonus categories for travel bookings and entertainment. Perfect for cardholders who value simplicity and immediate cash value.
$0
Annual Fee
200
Cash back dollars · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Bonus: 200 Cash back dollars
Spend: $500
Period: 3 months
Benefits & Perks
Program & Transfers
Reviews & Analysis
Details & Terms
| 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. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| 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 |
| Purchase APR | 18.49%–28.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
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 bonus categories for travel bookings and entertainment. Perfect for cardholders who value simplicity and immediate cash value.
$0
Annual Fee
200
Cash back dollars · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Bonus: 200 Cash back dollars
Spend: $500
Period: 3 months
Benefits & Perks
Program & Transfers
Reviews & Analysis
Details & Terms
| 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. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| 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 |
| Purchase APR | 18.49%–28.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
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 bonus categories for travel bookings and entertainment. Perfect for cardholders who value simplicity and immediate cash value.
$0
Annual Fee
200
Cash back dollars · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Bonus: 200 Cash back dollars
Spend: $500
Period: 3 months
Benefits & Perks
Program & Transfers
Reviews & Analysis
Details & Terms
| 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. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| 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 |
| Purchase APR | 18.49%–28.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Up to
$59.94
in annual credits
$5 Lyft + airport savings
—
Annual
Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide.
$3/mo Peacock
—
Annual
Save $3/month on Peacock Premium or Premium Plus with automatic statement credit.
$10/mo Instacart+
—
Annual
Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card.
$2.50/mo transit
—
Annual
Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities.
$60 Uber One (6 months)
$59.94
Annual
Get complimentary Uber One membership ($9.99/month) for up to 6 months via statement credits. Note - no 10% cashback on Uber with this card.
Combined Protection Value
$510,000
Coverage for accidental loss of life, limb, sight, speech or hearing during transit on common carrier
Track your credit score and get daily credit reports and identity theft alerts for free
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Protection against damage or theft for eligible purchases within 120 days
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
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.
Capital One Quicksilver is an entry-level rewards card without an annual fee, but we recommend skipping it. Its benefits are limited, and serious travelers should reserve their card applications for better long-term rewards.
The Capital One Quicksilver is the entry-level rewards credit card from Capital One. Even if you are new to points and miles, we do not recommend starting with this card. While it does provide a **$200 sign-up bonus and 1.5% cash back on all purchases** — giving you some “free” money — it will also occupy one of your 5/24 slots. The longer you stay in this hobby, the more you will realize how important it is to be selective about which personal cards you open. Although the Quicksilver has no annual fee, there are other cards (including some with no annual fee) that offer more valuable perks, especially if you want rewards you can redeem for free travel.
The Quicksilver provides a few basic perks in addition to its $200 sign-up bonus:
- $200 cash bonus after spending $500 on the card in the first 3 months
- 1.5% cash back on every purchase, every day
- 5% cash back on hotels and rental cars booked through the Capital One Travel portal
- 0% APR for 15 months on purchases and balance transfers
Because there is **no annual fee**, this card may appear appealing at first. You can redeem your rewards for cash back, through PayPal, or at Amazon. You also receive extended warranty protection on eligible items purchased with your card, as well as travel accident insurance.
There are scenarios where the Quicksilver may not suit you:
- If you want to earn points or miles that can be redeemed directly for free travel, this card will not help you achieve that.
- If you plan on exploring the hobby more deeply, you might regret using one of your 5/24 slots on a card that does not offer more valuable or versatile rewards.
If you are looking to start in the points and miles hobby, you should know that Capital One offers several credit cards, many of which are not ideal if you plan on pursuing this for an extended period. If you are serious about earning travel rewards, consider the Capital One Venture Rewards or Venture X cards instead.
- **Venture Rewards**: This card has a $95 annual fee and a sign-up bonus of 75,000 miles. It also includes useful travel perks like a TSA Precheck credit and 2x points on every purchase.
- **Venture X**: This is Capital One’s premium card. Its annual fee is $395, but you receive a $300 travel credit (when booking through the Capital One Travel portal) plus a 10,000-mile anniversary bonus, which help offset that fee. The card also has a 75,000-point sign-up bonus along with additional travel benefits that make the fee worthwhile.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$35.96
Annual Fee
-$0
Net Annual Value
+$35.96
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.
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.
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.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
Up to
$59.94
in annual credits
$5 Lyft + airport savings
—
Annual
Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide.
$3/mo Peacock
—
Annual
Save $3/month on Peacock Premium or Premium Plus with automatic statement credit.
$10/mo Instacart+
—
Annual
Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card.
$2.50/mo transit
—
Annual
Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities.
$60 Uber One (6 months)
$59.94
Annual
Get complimentary Uber One membership ($9.99/month) for up to 6 months via statement credits. Note - no 10% cashback on Uber with this card.
Combined Protection Value
$510,000
Coverage for accidental loss of life, limb, sight, speech or hearing during transit on common carrier
Track your credit score and get daily credit reports and identity theft alerts for free
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Protection against damage or theft for eligible purchases within 120 days
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
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.
Capital One Quicksilver is an entry-level rewards card without an annual fee, but we recommend skipping it. Its benefits are limited, and serious travelers should reserve their card applications for better long-term rewards.
The Capital One Quicksilver is the entry-level rewards credit card from Capital One. Even if you are new to points and miles, we do not recommend starting with this card. While it does provide a **$200 sign-up bonus and 1.5% cash back on all purchases** — giving you some “free” money — it will also occupy one of your 5/24 slots. The longer you stay in this hobby, the more you will realize how important it is to be selective about which personal cards you open. Although the Quicksilver has no annual fee, there are other cards (including some with no annual fee) that offer more valuable perks, especially if you want rewards you can redeem for free travel.
The Quicksilver provides a few basic perks in addition to its $200 sign-up bonus:
- $200 cash bonus after spending $500 on the card in the first 3 months
- 1.5% cash back on every purchase, every day
- 5% cash back on hotels and rental cars booked through the Capital One Travel portal
- 0% APR for 15 months on purchases and balance transfers
Because there is **no annual fee**, this card may appear appealing at first. You can redeem your rewards for cash back, through PayPal, or at Amazon. You also receive extended warranty protection on eligible items purchased with your card, as well as travel accident insurance.
There are scenarios where the Quicksilver may not suit you:
- If you want to earn points or miles that can be redeemed directly for free travel, this card will not help you achieve that.
- If you plan on exploring the hobby more deeply, you might regret using one of your 5/24 slots on a card that does not offer more valuable or versatile rewards.
If you are looking to start in the points and miles hobby, you should know that Capital One offers several credit cards, many of which are not ideal if you plan on pursuing this for an extended period. If you are serious about earning travel rewards, consider the Capital One Venture Rewards or Venture X cards instead.
- **Venture Rewards**: This card has a $95 annual fee and a sign-up bonus of 75,000 miles. It also includes useful travel perks like a TSA Precheck credit and 2x points on every purchase.
- **Venture X**: This is Capital One’s premium card. Its annual fee is $395, but you receive a $300 travel credit (when booking through the Capital One Travel portal) plus a 10,000-mile anniversary bonus, which help offset that fee. The card also has a 75,000-point sign-up bonus along with additional travel benefits that make the fee worthwhile.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$35.96
Annual Fee
-$0
Net Annual Value
+$35.96
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.
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.
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.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
Up to
$59.94
in annual credits
$5 Lyft + airport savings
—
Annual
Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide.
$3/mo Peacock
—
Annual
Save $3/month on Peacock Premium or Premium Plus with automatic statement credit.
$10/mo Instacart+
—
Annual
Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card.
$2.50/mo transit
—
Annual
Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities.
$60 Uber One (6 months)
$59.94
Annual
Get complimentary Uber One membership ($9.99/month) for up to 6 months via statement credits. Note - no 10% cashback on Uber with this card.
Combined Protection Value
$510,000
Coverage for accidental loss of life, limb, sight, speech or hearing during transit on common carrier
Track your credit score and get daily credit reports and identity theft alerts for free
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Protection against damage or theft for eligible purchases within 120 days
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
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.
Capital One Quicksilver is an entry-level rewards card without an annual fee, but we recommend skipping it. Its benefits are limited, and serious travelers should reserve their card applications for better long-term rewards.
The Capital One Quicksilver is the entry-level rewards credit card from Capital One. Even if you are new to points and miles, we do not recommend starting with this card. While it does provide a **$200 sign-up bonus and 1.5% cash back on all purchases** — giving you some “free” money — it will also occupy one of your 5/24 slots. The longer you stay in this hobby, the more you will realize how important it is to be selective about which personal cards you open. Although the Quicksilver has no annual fee, there are other cards (including some with no annual fee) that offer more valuable perks, especially if you want rewards you can redeem for free travel.
The Quicksilver provides a few basic perks in addition to its $200 sign-up bonus:
- $200 cash bonus after spending $500 on the card in the first 3 months
- 1.5% cash back on every purchase, every day
- 5% cash back on hotels and rental cars booked through the Capital One Travel portal
- 0% APR for 15 months on purchases and balance transfers
Because there is **no annual fee**, this card may appear appealing at first. You can redeem your rewards for cash back, through PayPal, or at Amazon. You also receive extended warranty protection on eligible items purchased with your card, as well as travel accident insurance.
There are scenarios where the Quicksilver may not suit you:
- If you want to earn points or miles that can be redeemed directly for free travel, this card will not help you achieve that.
- If you plan on exploring the hobby more deeply, you might regret using one of your 5/24 slots on a card that does not offer more valuable or versatile rewards.
If you are looking to start in the points and miles hobby, you should know that Capital One offers several credit cards, many of which are not ideal if you plan on pursuing this for an extended period. If you are serious about earning travel rewards, consider the Capital One Venture Rewards or Venture X cards instead.
- **Venture Rewards**: This card has a $95 annual fee and a sign-up bonus of 75,000 miles. It also includes useful travel perks like a TSA Precheck credit and 2x points on every purchase.
- **Venture X**: This is Capital One’s premium card. Its annual fee is $395, but you receive a $300 travel credit (when booking through the Capital One Travel portal) plus a 10,000-mile anniversary bonus, which help offset that fee. The card also has a 75,000-point sign-up bonus along with additional travel benefits that make the fee worthwhile.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$35.96
Annual Fee
-$0
Net Annual Value
+$35.96
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.
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.
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.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
Extends manufacturer warranties on eligible purchases by up to one additional year
Several other Capital One cards share features similar to the Quicksilver. For example, **Capital One Savor Rewards** and **Capital One VentureOne** are both entry-level cards with no annual fee, each offering $200 cash back or 20,000 points (equal to $200) as a bonus. They have slightly higher spending multipliers than the Quicksilver — Savor provides 3% back on groceries and dining, while VentureOne offers 5x miles on hotels and rental cars booked through the Capital One portal and 1.25 miles on everything else. However, if you are interested in Capital One’s rewards ecosystem, we recommend skipping these introductory cards and starting with one of the Venture cards for more comprehensive benefits and higher long-term value.
Extends manufacturer warranties on eligible purchases by up to one additional year
Several other Capital One cards share features similar to the Quicksilver. For example, **Capital One Savor Rewards** and **Capital One VentureOne** are both entry-level cards with no annual fee, each offering $200 cash back or 20,000 points (equal to $200) as a bonus. They have slightly higher spending multipliers than the Quicksilver — Savor provides 3% back on groceries and dining, while VentureOne offers 5x miles on hotels and rental cars booked through the Capital One portal and 1.25 miles on everything else. However, if you are interested in Capital One’s rewards ecosystem, we recommend skipping these introductory cards and starting with one of the Venture cards for more comprehensive benefits and higher long-term value.
Extends manufacturer warranties on eligible purchases by up to one additional year
Several other Capital One cards share features similar to the Quicksilver. For example, **Capital One Savor Rewards** and **Capital One VentureOne** are both entry-level cards with no annual fee, each offering $200 cash back or 20,000 points (equal to $200) as a bonus. They have slightly higher spending multipliers than the Quicksilver — Savor provides 3% back on groceries and dining, while VentureOne offers 5x miles on hotels and rental cars booked through the Capital One portal and 1.25 miles on everything else. However, if you are interested in Capital One’s rewards ecosystem, we recommend skipping these introductory cards and starting with one of the Venture cards for more comprehensive benefits and higher long-term value.
