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Capital One Quicksilver Review: A One Card Wallet Champ

Review Updated
Elizabeth Aldrich
Steven Porrello
By: Elizabeth Aldrich and Steven Porrello

Our Credit Cards Experts

Nathan Alderman
Check IconFact Checked Nathan Alderman
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

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.

Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. 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.
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Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. 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.
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Credit Score: Circle with letter I in it. 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)
Credit Score Circle with letter I in it. 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.

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 Circle with letter I in it. 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 Circle with letter I in it. $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.

    • Competitive sign-up bonus
    • Solid cash back rate on purchases
    • No annual fee
    • Great intro APR
    • Card perks
    • Rewards do not expire
    • No bonus categories
    • 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

Full Capital One Quicksilver review

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.

Top perks

$200 cash back welcome offer

New cardholders can earn a $200 cash back welcome offer once $500 is spent within 3 months of the account opening.

Unlimited 1.5% cash back

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.

5% cash back on select travel bookings

You can earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply).

$0 annual fee

Capital One gives Quicksilver® cardholders a nice break from paying an annual fee.

0% intro APR for purchases and balance transfers

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.

Cash back never expires

The clock is never ticking on cash back, since it is valid for redemption as long as the customer maintains their account.

Complimentary Uber One membership

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.

Alternatives to consider

As of Nov. 27, 2023
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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 Circle with letter I in it. 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 Circle with letter I in it. 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 Circle with letter I in it. 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

Credit Rating Requirement: Circle with letter I in it. 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: Circle with letter I in it. 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: Circle with letter I in it. 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: Circle with letter I in it. $200 Cash Back after you spend $500 on purchases within 3 months from account opening

$200 Cash Back

Welcome Offer: Circle with letter I in it. N/A

Discover will match all the cash back you’ve earned at the end of your first year.

Welcome Offer: Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

$200 cash rewards

Rewards Program: Circle with letter I in it. 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: Circle with letter I in it. 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: Circle with letter I in it. 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: Circle with letter I in it. 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: Circle with letter I in it. N/A

$0

Highlights:

  • 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

Highlights:

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • 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.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Terms and conditions apply.

Highlights:

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
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What could be improved

More bonus cash back categories

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.

The earn rate is a little meh

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).

Find the best credit card for your needs

Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

Suggested credit score

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:

  • Never declared bankruptcy.
  • Not defaulted on a loan.
  • Never paid a credit card statement, medical bill, or loan more than 60 days after it was due.
  • Held a credit card or loan at a limit (or amount) over $5,000, for at least three years.

The Capital One Quicksilver Cash Rewards Credit Card is right for you if:

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:

  • Anyone looking for an easy, no annual fee credit card they can use for their purchases.
  • Cardholders who like a stripped-down cash back rewards program that requires little monitoring or maintenance. This card's cash back program is as simple as it can get, with purchases earning 1.5% cash back.
  • Those planning a big-ticket buy or those looking to pay off debt faster with balance transfer strategies.

Read more: Best Sign-Up Bonus Credit Cards

Our credit card methodology

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.

FAQs

  • 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.

Our Credit Cards Experts