Capital One Quicksilver cash rewards card
Introduction to the Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card is one of the best flat-rate cashback cards available today. It offers unlimited 1.5% cashback on every purchase, with no rotating categories, no spending caps, and no annual fee.
For those who prefer simplicity and consistency in rewards, this card eliminates the need to track bonus categories while still offering a solid rewards rate. Plus, with a $200 sign-up bonus, a 0% intro APR on purchases and balance transfers, and no foreign transaction fees, the Quicksilver card is a strong contender in the world of cashback credit cards.
In this guide, we’ll cover everything you need to know about the Capital One Quicksilver Cash Rewards Credit Card, including rewards, benefits, fees, and how to maximize your earnings.
Capital One Quicksilver Cash Rewards Credit Card
ANNUAL FEE: $0
REWARDS RATES: 1.5%-5% Cash Back
INTRO OFFER: $200
RECOMMENDED CREDIT SCORE: 690-850
(Good – Excellent)
Pros
- No annual fee
- High rewards rate
- Intro APR period
- No foreign transaction fees
Cons
- Requires good/excellent credit
- No bonus categories*
Key Features of the Capital One Quicksilver Cash Rewards Credit Card
1. Unlimited 1.5% Cashback on Every Purchase
Unlike many cashback cards that offer bonus categories, the Quicksilver card keeps it simple—you’ll earn 1.5% unlimited cashback on all purchases, with no categories to track and no spending limits.
2. $200 Sign-Up Bonus
New cardholders can earn a $200 cash bonus after spending $500 on purchases within the first 3 months—one of the easiest-to-earn welcome bonuses available.
3. 0% Intro APR for 15 Months
Enjoy 0% introductory APR on purchases and balance transfers for 15 months. After the intro period, a variable APR of 19.99% – 29.99% applies.
4. No Annual Fee
The Capital One Quicksilver Cash Rewards Credit Card has no annual fee, making it a cost-effective choice for those looking to earn cashback without extra costs.
5. No Foreign Transaction Fees
Unlike many cashback cards that charge 3% on international purchases, the Quicksilver card has no foreign transaction fees, making it a great option for travelers.
6. Flexible Redemption Options
You can redeem cashback:
- As a statement credit
- As a direct deposit
- For gift cards
- For travel bookings
- For purchases made through PayPal and Amazon Checkout
7. Capital One Travel Perks
Cardholders get access to Capital One Travel, which offers benefits like:
- Price drop protection (get refunded if prices drop after booking)
- Exclusive hotel and flight deals
- 5% cashback on rental cars booked through Capital One Travel
8. Complimentary Travel and Shopping Protections
- Extended warranty protection on eligible purchases
- Travel accident insurance
- Virtual card numbers for safer online shopping
How to Maximize Rewards with the Capital One Quicksilver Card
1. Use the Card for Everyday Spending
Since the Quicksilver card offers 1.5% cashback on everything, it’s best used as your go-to credit card for daily purchases.
2. Pair with a Category-Based Card
While 1.5% cashback is solid, you can maximize rewards by pairing the Quicksilver card with a bonus-category cashback card, like:
- Chase Freedom Flex® (5% rotating categories)
- Citi Custom Cash® (5% on top spending category)
3. Take Advantage of the Sign-Up Bonus
Spending $500 in the first 3 months is an easy threshold to hit for most cardholders, making this a quick and effortless way to earn $200.
4. Redeem Rewards for Statement Credits
While you can redeem cashback for gift cards and travel, the most straightforward and valuable option is using cashback as a statement credit to reduce your balance.
5. Use the 0% Intro APR for Large Purchases or Balance Transfers
- Planning a big purchase? Take advantage of the 15-month 0% intro APR to pay it off interest-free.
- Have existing credit card debt? Transfer it to the Quicksilver card and avoid interest for 15 months.
Capital One Quicksilver vs. Other Cashback Credit Cards
Capital One Quicksilver vs. Citi Double Cash®
| Feature | Capital One Quicksilver® | Citi Double Cash® |
|---|---|---|
| Cashback Rate | 1.5% unlimited | 2% (1% when you buy, 1% when you pay) |
| Sign-Up Bonus | $200 (spend $500 in 3 months) | None |
| 0% Intro APR | 15 months | 18 months |
| Foreign Transaction Fees | None | 3% |
| Best For | Simple, unlimited cashback with a bonus | Higher overall cashback earnings |
Capital One Quicksilver vs. Chase Freedom Unlimited®
| Feature | Capital One Quicksilver® | Chase Freedom Unlimited® |
|---|---|---|
| Flat Cashback Rate | 1.5% unlimited | 1.5% unlimited |
| Bonus Categories | None | 3% on dining, drugstores & 5% on travel |
| Sign-Up Bonus | $200 | $200 + 5% on travel |
| Foreign Transaction Fees | None | 3% |
| Best For | Simplicity, no foreign fees | Higher rewards on travel & dining |
Who Should Get the Capital One Quicksilver Card?
✔ People who want a simple, no-fuss cashback card
✔ Those who don’t want to track bonus categories
✔ Travelers who want a card with no foreign transaction fees
✔ Consumers looking for a solid sign-up bonus with a low spending requirement
✔ Anyone who wants a flat-rate cashback card with no annual fee
Bottom Line: Is the Capital One Quicksilver Cash Rewards Credit Card Worth It?
The Capital One Quicksilver Cash Rewards Credit Card is one of the best flat-rate cashback cards for those who want simplicity and value. With unlimited 1.5% cashback on all purchases, a $200 sign-up bonus, and no foreign transaction fees, it’s an excellent choice for both everyday spending and travel.
If you prefer simplicity over maximizing categories and want a solid rewards rate with no annual fee, the Quicksilver card is a fantastic option. However, if you’re willing to juggle multiple cards for higher bonus category rewards, you may want to pair it with another category-based cashback card.
Overall, the Capital One Quicksilver Cash Rewards Credit Card is a top-tier cashback card for everyday use and an excellent choice for travelers and minimalists alike.
