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The Capital One Quicksilver Cash Rewards Credit Card is a great card for those who want straightforward rewards, zero annual fees, and a generous welcome offer for new cardholders. Below, we'll take a look at this cash back card and see if it (or its alternatives) have a place in your wallet.
On Capital One's Secure Website.
On Capital One's Secure Website.
Good/Excellent (670-850)
Intro APR
Purchases: 0% intro on purchases for 15 months
Balance Transfers: 0% intro on balance transfers for 15 months (Balance Transfer Fee Applies)
Regular APR
19.99% - 29.99% (Variable)
Rewards Earn unlimited 1.5% cash back on every purchase, every day. 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.
1.5%-5% cash back
Annual Fee
$0
Welcome Offer $200 Cash Back after you spend $500 on purchases within 3 months from account opening
$200 Cash Back
What really stands out is the incredibly easy-to-earn sign-up bonus. You can earn a $200 sign-up bonus after spending only $500 in your first 3 months (that's like earning 40% cash back on that spend!). If a straightforward cash back program & sign-up bonus with a low spending hurdle is most important to you, then this card is a very solid pick.
This credit card is a good fit for: Consumers who want an uncomplicated cash back card for all their spending and an easy-to-understand rewards program. Those expecting big purchases or who want to pay off debt faster can take advantage of this card's 0% intro APR.
New cardholders can earn a $200 cash back welcome offer once $500 is spent within 3 months of the account opening.
Earn 1.5% on nearly every purchase and redeem cash back flexibly. The card's simplicity is one of its biggest selling points, with no rotating categories to keep track of, no points or miles systems to memorize, nothing but pure cash that you can apply against balances, deposit in your bank account, or redeem for travel and Amazon purchases.
You can earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply).
Capital One gives Quicksilver® cardholders a nice break from paying an annual fee.
There's no APR for new purchases and balance transfers for the first 15 months with this card. Note, there is a balance transfer fee of 3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time.
The clock is never ticking on cash back, since it is valid for redemption as long as the customer maintains their account.
Cardholders get up to six months of complimentary Uber One membership through Nov. 14, 2024. The membership comes in the form of monthly statement credits and can help you save money on delivery fees.
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Capital One Quicksilver Cash Rewards Credit Card | Discover it® Cash Back | Wells Fargo Active Cash® Card |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Apply Now for Capital One Quicksilver Cash Rewards Credit Card
On Capital One's Secure Website. |
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Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Welcome Offer: $200 Cash Back after you spend $500 on purchases within 3 months from account opening $200 Cash Back |
Welcome Offer: N/A Discover will match all the cash back you’ve earned at the end of your first year. |
Welcome Offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. $200 cash rewards |
Rewards Program: Earn unlimited 1.5% cash back on every purchase, every day. 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. 1.5%-5% cash back |
Rewards Program: Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. 1% - 5% Cashback |
Rewards Program: Earn unlimited 2% cash rewards on purchases. 2% cash rewards |
Intro APR: Purchases: 0% intro on purchases for 15 months Balance Transfers: 0% intro on balance transfers for 15 months (Balance Transfer Fee Applies) |
Intro APR: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months |
Intro APR: 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers Purchases: 0% intro APR, 15 months from account opening Balance Transfers: 0% intro APR, 15 months from account opening on qualifying balance transfers |
Regular APR: 19.99% - 29.99% (Variable) |
Regular APR: 17.24% - 28.24% Variable APR |
Regular APR: 20.24%, 25.24%, or 29.99% Variable APR |
Annual Fee: $0 |
Annual Fee: $0 |
Annual Fee: N/A $0 |
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Apply Now for Capital One Quicksilver Cash Rewards Credit Card
On Capital One's Secure Website. |
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Yes, the rewards program's across-the-board cash back is easy to understand and keep track of. However, the downside is that aside from hotels and rental cars booked through Capital One Travel, no product or service category earns additional cash back, as is the case with numerous rivals. Cardholders are missing out on good earning opportunities if this is their only cash back card.
Earning 1.5% on every purchase is decent, but it's not the best base rate we've seen for a no fee card. Other cards, like the Wells Fargo Active Cash® Card, earn unlimited 2% back on purchases (see rates and fees) (terms apply).
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
Good to excellent credit -- typically a FICO® Score of 670 or higher -- is suggested for the Capital One Quicksilver Cash Rewards Credit Card. Other criteria that Capital One stipulates upfront include:
The Capital One Quicksilver Cash Rewards Credit Card takes numerous perks offered by many of the best credit cards and packages them into one. With that in mind, this card would likely appeal to you if you identify with one of the following:
Read more: Best Sign-Up Bonus Credit Cards
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
No, the Capital One Quicksilver Cash Rewards Credit Card isn't a metal credit card. It's made of plastic.
The Capital One Quicksilver Cash Rewards Credit Card is a Mastercard. Capital One previously issued this credit card as a Visa before switching to Mastercard. You can confirm which type of card it is on the top of the application page.
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