Capital One Quicksilver Cash Rewards
Best for: People who want dead-simple flat cash back with no fee
👍 Pros
- No annual fee
- No foreign purchase fee
- Straightforward rewards
👎 Cons
- Other flat-rate cards pay more (2%)
A no-fuss flat 1.5% cash-back card with no annual fee, but here's the honest comparison: a 2% card like Wells Fargo Active Cash pays more on the same spend. On $18,000 a year that's $270 here versus $360 at 2%, a $90 gap. Quicksilver makes sense mainly if you want Capital One's ecosystem or the intro APR. Don't expect rotating bonuses; this is deliberately simple. Confirm the current intro-APR window on capitalone.com.
Capital One Quicksilver Cash Rewards at a glance
| Issuer | Capital One |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Rewards rate | 1.5% on all purchases, 5% on hotels & cars via Capital One Travel |
| Welcome bonus | One-time cash bonus after minimum spend |
| Intro APR | 0% intro APR on purchases & balance transfers for 15 months |
| Regular APR | 19.99%–29.99% variable |
| Foreign transaction fee | None |
| Credit needed | Good (690+) |
| Airport lounge access | No |
| Best for | People who want dead-simple flat cash back with no fee |
Rewards & perks
- 1.5% back with no cap
- No fee on foreign purchases
- Stretch of 0% intro APR
Pros
- No annual fee
- No foreign purchase fee
- Straightforward rewards
Cons
- Other flat-rate cards pay more (2%)
Who should apply
- A good credit score
Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Capital One site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
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