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%)
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
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.
How it compares with similar USA cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Capital OneQuicksilver Cash Rewards 5218 5480 2248 6237 VALID THRU 05/29TAYLOR REED Capital One Quicksilver Cash RewardsPeople who want dead-simple flat cash back with no fee |
None | 1.5% on all purchases, 5% on hotels & cars via Capital One Travel | 0% intro APR on purchases & balance transfers for 15 months | None | Good (690+) | |
ChaseFreedom Unlimited 4734 2504 9544 4664 VALID THRU 10/32ALEX MORGAN Chase Freedom UnlimitedChase cardholders who pool points across the ecosystem |
None | 5% travel via Chase Travel, 3% dining and drugstores, 1.5% on all othe… | 0% intro APR on purchases for 15 months | 3% | Good (690+) | |
American ExpressBlue Cash Preferred 3488 297728 06483 VALID THRU 06/31ALEX MORGAN Blue Cash Preferred Card from American ExpressFamilies with heavy supermarket and streaming spend |
$95/yr | 6% U.S. supermarkets (up to $6k/yr), 6% select U.S. streaming, 3% tran… | 0% intro APR on purchases for 12 months | 2.7% | Good to Excellent (700+) | |
ChaseFreedom Flex 5331 9672 3196 0810 VALID THRU 02/30MORGAN LEE Chase Freedom FlexOrganized optimizers who'll track quarterly bonus categories |
None | 5% rotating quarterly categories (activation required), 5% travel via… | 0% intro APR on purchases for 15 months | 3% | Good (690+) |
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