How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
|
Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
|
American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Capital One Quicksilver Cash Rewards Credit Card Review

Updated on:
Content was accurate at the time of publication.
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
4.4
Capital One Quicksilver Cash Rewards Credit Card
Rewards Rate
Unlimited 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Sign-Up Bonus
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Intro APR
0% intro on purchases for 15 months, then 19.74% - 29.74% (Variable). 0% intro on balance transfers for 15 months (Balance transfer fee applies), then 19.74% - 29.74% (Variable). Balance transfer fee applies
Editorial Note: shortenedCCEditorialNote
A balance transfer fee applies for promotional rates that Capital One may offer.
Citi is an advertising partner.

Our take: The Capital One Quicksilver Cash Rewards Credit Card is a solid beginner card if you have good / excellent credit and want a simple approach to earning rewards on every purchase. But if you want to earn a higher cash back rate, there are other $0-annual-fee cards to consider.

Is the Capital One Quicksilver Cash Rewards Credit Card a good card?

Earning credit card rewards doesn’t get much more straightforward than using the Capital One Quicksilver Cash Rewards Credit Card. The card lets you earn 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). Plus, there’s a generous, easy-to-earn sign-up bonus, as well as an intro APR on purchases and balance transfers.*

While you can find cards that offer better cash back rates in bonus categories, most of these cards only offer 1% back on general purchases. In comparison, the Capital One Quicksilver Cash Rewards Credit Card lets you earn the same high rate on every purchase.

*A balance transfer fee applies for promotional rates that Capital One may offer.
*To see rates & fees for Capital One Quicksilver Cash Rewards Credit Card, please click here.

Quick facts

    • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
    • Earn unlimited 1.5% cash back on every purchase, every day
    • $0 annual fee and no foreign transaction fees
    • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
    • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
    • 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies
    • For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 660 720 850
    Good / Excellent
  • Extended warranty
  • $0 fraud liability for unauthorized charges
  • Complimentary concierge services
  • MasterRental coverage
  • Master RoadAssist service
  • Price protection
  • Use rewards to pay on Amazon or with PayPal

Intro Purchase APR

0% intro on purchases for 15 months

Regular Purchase APR

19.74% - 29.74% (Variable)

Intro BT APR

0% intro on balance transfers for 15 months (Balance transfer fee applies)

Regular BT APR

19.74% - 29.74% (Variable)

Annual Fee

$0

Cash Advance Fee

5% of the amount of the cash advance, but not less than $5

Foreign Transaction Fee

None

Balance Transfer Fee

Balance transfer fee applies

A balance transfer fee applies for promotional rates that Capital One may offer.
*To see rates & fees for Capital One Quicksilver Cash Rewards Credit Card, please click here.

 

Pros and cons

  • Simple cash back rewards
  • $0 annual fee
  • Easy-to-earn sign-up bonus
  • Intro APR on purchases and balance transfers*
  • Foreign transaction fee:
    None
  • Low cash-back rate
  • Balance transfer fee
*A balance transfer fee applies for promotional rates that Capital One may offer.
*To see rates & fees for Capital One Quicksilver Cash Rewards Credit Card, please click here.

What we like about the Capital One Quicksilver Cash Rewards Credit Card

  • Simple cash back rewards

    If you want a simple approach to earning rewards, you’ll be happy to know that this card doesn’t have rotating categories or spending caps to keep track of. Instead, you’ll earn 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).

    Cash back rewards never expire and can be used to cover a recent purchase or redeemed a variety of ways, including for statement credits and gift cards.

  • $0 annual fee

    Credit cards like the $0 annual fee Capital One Quicksilver Cash Rewards Credit Card save you money each and every year, since you aren’t paying for the convenience of using a credit card.

  • Easy-to-earn sign-up bonus

    With the Capital One Quicksilver Cash Rewards Credit Card, you’ll earn a earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. According to a LendingTree study, the average credit card sign-up bonus in 2022 was $157 — making this a competitive bonus for a $0-annual-fee card.

    Plus, the card only requires you to spend approximately $167 per month for three months to earn the sign-up bonus.

  • Intro APR on purchases and balance transfers

    If you need to finance a large purchase, the Capital One Quicksilver Cash Rewards Credit Card offers an interest-free period on purchases for more than a year. You’ll get an APR of 0% intro on purchases for 15 months. Following that, a 19.74% - 29.74% (variable) APR applies.

    And if you want to consolidate credit card debt, you can take advantage of the APR of 0% intro on balance transfers for 15 months (Balance transfer fee applies), then a 19.74% - 29.74% (variable) APR.

    A balance transfer fee applies for promotional rates that Capital One may offer.
    *To see rates & fees for Capital One Quicksilver Cash Rewards Credit Card, please click here.

  • Foreign transaction fee: None

    You can take the Capital One Quicksilver Cash Rewards Credit Card card with you when you travel outside of the U.S., since you won’t be charged additional fees to use the card.

    By comparison, many cards charge fees ranging from 3% to 5% of the amount of each transaction when you use it to make purchases abroad.

What to watch out for with the Capital One Quicksilver Cash Rewards Credit Card

  • Low cash back rewards rate

    Although this card offers an elevated rewards rate on every purchase, there are cards available that offer an even higher cash back rate on general purchases, like the Citi Double Cash® Card or the Wells Fargo Active Cash® Card.

  • Balance transfer fee

    If you transfer a balance to the Capital One Quicksilver Cash Rewards Credit Card, a balance transfer fee applies. While this fee is common, there are a few no-balance-transfer-fee credit cards available. However, you should know that those cards typically offer shorter interest-free periods than cards that charge balance transfer fees.

Alternate cash back cards

Capital One Quicksilver Cash Rewards Credit Card vs. Citi Double Cash® Card

| Disclosures
Citi Double Cash® Card
Citi Double Cash® Card
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees
N/A
18.74% - 28.74% (Variable)
$0
Earn 2% on every purchase with unlimited 1% cash back when you
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
600 660 720 850
Fair / Good / Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


 
If you want a $0-annual-fee flat-rate card with an even longer interest-free period on balance transfers, the Citi Double Cash® Card may be a better choice. You’ll earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.

You’ll also get an intro APR of 0% intro apr for 18 months on balance transfers. After that, a 18.74% - 28.74% (variable) APR applies. Unfortunately, there is no intro APR for regular purchases, so this wouldn’t be a good card for financing a new purchase.

Rewards are earned as Citi ThankYou® points; they can be redeemed for cash back as statement credits, direct deposits, checks, travel, merchandise or gift cards, or transferred to select Citi hotel and airline partners.

Capital One Quicksilver Cash Rewards Credit Card vs. Blue Cash Everyday® Card from American Express

| Disclosures
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
| Terms Apply
0% on purchases for 15 months
18.74%-29.74% Variable
$0
3% Cash Back at U.S. supermarkets on up to $6,000 per year
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.74% to 29.74% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
  • Terms Apply.
660 720 850
Good / Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


 
If you prefer a card that offers a higher cash back rate in popular spending categories — but also don’t mind earning a lower rate on general purchases — the Blue Cash Everyday® Card from American Express may be a better fit.

The card lets you earn 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply. Cash back is easily redeemable for statement credits or at Amazon.com checkout.

There’s a $0 annual fee, and you can enjoy an intro APR of 0% on purchases for 15 months, then an 18.74%-29.74% variable APR. You’ll also get an intro APR of 0% on balance transfers for 15 months, followed by a 18.74%-29.74% variable APR.

And like the Citi Double Cash® Card, the Blue Cash Everyday® Card from American Express charges foreign transaction fees if you use it to make purchases outside the U.S.

*To see rates & fees for Blue Cash Everyday® Card from American Express, please click here.

Is the Capital One Quicksilver Cash Rewards Credit Card right for you?

With no annual fee to cut into the cash back rewards you earn on every purchase and a sign-up bonus spend requirement that can easily be reached during the first month, this card is ideal if you like to keep things sweet and simple.

If you like what the Capital One Quicksilver Cash Rewards Credit Card has to offer, but you don’t have good / excellent credit consider one of the other cards in the Quicksilver family of cards:

But if you’d like to maximize your spending, consider cards that earn higher rewards on the items you buy the most. For example, consider the Blue Cash Everyday® Card from American Express if you spend heavily at U.S. supermarkets and U.S. gas stations or on U.S. online retail purchases. Or, for a higher cash back rate on general purchases, the Citi Double Cash® Card may be a better fit.

apply-now-icon Apply Now
on Capital One's secure site
Rates & Fees
The information related to the Wells Fargo Active Cash® Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

*To see rates & fees for Blue Cash Everyday® Card from American Express, please click here.
 
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

To see rates & fees for American Express cards mentioned on this page, visit the links provided below:

For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply.

The information related to the Wells Fargo Active Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.