The Capital One Quicksilver Cash Rewards Credit Card is built for someone who wants cash back without tracking categories or juggling multiple cards. It works best as a simple everyday card, with solid value on general spending and a useful travel booking bonus if you occasionally use Capital One Travel.
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Overview
General daily spending
One-card cash back
No foreign transaction fees
Yes, if you want a straightforward card that earns decent rewards everywhere and doesn't charge an annual fee. Quicksilver is easy to keep long term because 1.5% cash back applies to every purchase, and the lack of foreign transaction fees makes it more useful abroad than many no-fee cash-back cards.
The tradeoff is that its rewards rate is more about simplicity than maximizing return. If you're willing to manage bonus categories or want a higher flat rate, you may find stronger earnings elsewhere. Quicksilver makes the most sense for someone who values ease, occasional travel use, and a card they can swipe without thinking too hard about it.
Quicksilver is a good fit for cardholders who want uncomplicated cash back and no annual fee, especially if they also want a card they can use internationally. Its main limitation is simple: the flat 1.5% return is solid, but not especially high if rewards are your top priority.
Welcome Offer
after you spend $500 on purchases within 3 months from account opening
Est. Value
$200
Required Spend
$500
Time Frame
3 Months
Est. Value
$200
Required Spend
$500
Time Frame
3 Months
Earning
Quicksilver keeps rewards easy. You earn flat-rate cash back on everyday purchases, plus a higher rate on hotels, vacation rentals, and rental cars booked through Capital One Travel.
Hotels (Capital One Travel), Vacation Rentals (Capital One Travel), Rental Cars (Capital One Travel)
Every Purchase
Annual Credits & Perks
The perk story here is modest, which is normal for a no-annual-fee cash-back card. The most practical extras are no foreign transaction fees, a few travel booking protections through Capital One Travel, and lightweight purchase and travel coverage.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
Complimentary 6-month Vinous subscriptionBenefits
Extended Warranty
You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
Travel Accident Insurance
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
Price drop protection
We’re so confident in our prices, that if you book when we recommend, we'll keep watching the price for 10 days. If it drops, we’ll give you up to $50 in travel credit to help cover the difference.
Benefits
Get Hertz Five Star® Status
Get a free status upgrade, skip the counter at select locations and choose from a wider selection of rental cars. Eligible cardholders must enroll in the Hertz® Gold+™ status upgrade through the unique Benefits Tab link found within the Capital One website or mobile app after logging in. Cardholders can find the link to enroll by visiting their eligible card's Rewards tab or Capital One Travel Benefits tab and by clicking on the Hertz benefit tile. Upon doing so, a new webpage will open; there, Quicksilver and Quicksilver cardholders will be able to enroll directly in or request an upgrade to Hertz President's Circle® status and Quicksilver, Quicksilver, Quicksilver, Quicksilver, Quicksilver, Quicksilver, Spark Miles, Spark Miles Select, Quicksilver and Quicksilver cardholders will be able to enroll directly in or request an upgrade to Hertz Five Star® status. Age restrictions apply. After successful registration, Hertz will process the request and status will be effective 24-72 hours after registration. Please note, enrolling through the normal Hertz Gold+ enrollment process (e.g. enrolling directly at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Cardholders must go through the above process to be successfully enrolled. Upon enrollment, eligible cardholders will remain at that status level through the duration of the offer, at which point they will be reverted to the level commensurate with Hertz standard usage policies. This offer is subject to change. Hertz Gold Terms and Rental Qualifications and Requirements apply.
Benefits
50% off Handcrafted Beverages
Capital One cardholders enjoy 50% off all handcrafted beverages everyday at any Capital One Café nationwide. Find your Café.
Price match guarantee
If you book your trip through Capital One Travel and then find a better price on another site within 24 hours, let us know and you’ll get a travel credit for the difference.
Eligibility
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$0
Purchase APR
18.49% - 28.49%
Variable
Transfer APR
18.49% - 28.49%
Variable
Cash Advance APR
28.49%
Variable
Foreign Transaction Fee
None
Balance Transfer
None
Cash Advance
$5
Late Payment
$40
MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.
MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit
Once you spend $30,000 in the first 3 months
Annual Fee
$150
Rec. Credit
Excellent
Earn 150,000 Miles
Worth $2,175
Once you spend $30,000 in the first 3 months from account opening
Annual Fee
$395
Rec. Credit
Excellent
Earn 100,000 Miles
Worth $1,450
Once you spend $10,000 on purchases within the first 3 months from account opening
Annual Fee
$95
Rec. Credit
Excellent
