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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.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
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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 |
Discover will match all the cash back you’ve earned at the end of your first year. N/A | 1% - 5% Cashback 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. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 17.24% - 28.24% Variable APR |
||
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 |
Up to $300 cash back Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5% - 5% cash back Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
Intro: 0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months Regular: 20.49% - 29.24% Variable |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
|
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
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 |
60,000 bonus points Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. | 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. |
Intro: N/A Purchases: N/A Balance Transfers: N/A Regular: 21.49%-28.49% Variable |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
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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