Capital One QuicksilverOne Cash Rewards Credit Card

This card makes the most sense for cardholders who want uncomplicated rewards and are comfortable paying a $39 annual fee for a flat 1.5% cash back rate. The appeal is simplicity: you do not need to track spending categories, and the lack of foreign transaction fees gives it a little more flexibility than many entry-level cash-back cards.

The tradeoff is that the annual fee is hard to ignore on a card without a welcome bonus or a deep list of benefits. Many readers will want to compare it with no-annual-fee cash-back cards before applying. QuicksilverOne is a better fit if this card is accessible to you based on your credit profile and you value a simple earning structure more than squeezing out higher rewards in specific categories.