Capital One Quicksilver Cash Rewards Card: Unlimited 1.5% Back for $0
- Annual fee
- None
- Recommended credit
- Excellent
- Card network
- Visa
- Intro purchase APR
- 0% for 15 months from account opening date
At a glance
With the Capital One Quicksilver Cash Rewards Credit Card in hand, users can forego the complications of shopping for specific items to earn bonuses in lieu of earning 1.5% cash back across the board on every purchase, every day. This makes the card a top contender among the straightforward cash back credit cards available today.
Our review of the Capital One Quicksilver Cash Rewards Card
For those seeking a hassle-free cash back rewards option, the Capital One Quicksilver Cash Rewards Credit Card is a top choice. With no annual fee and unlimited cash back rewards, this card is perfect for those who value simplicity and convenience.
Who Can Benefit from Quicksilver?
Individuals who enjoy special events and dining at exclusive restaurants will find the most value in the Capital One Quicksilver Rewards Card. With access to hard-to-get reservations through Capital One Dining, this card caters to those looking for a premium experience. Additionally, those in need of an introductory APR offer and a card with no foreign transaction fees can benefit from this card.
Credit Needed
Capital One offers credit cards for all credit profiles, with the Quicksilver Rewards Card targeting applicants with good to excellent credit scores.
Introductory APR
New Quicksilver Rewards Card accounts enjoy two introductory 0% APR offers. Get 0% introductory APR for 15 months on purchases and balance transfers, with a regular, variable APR afterward based on creditworthiness.
Welcome Offer
New accounts earn a one-time $200 cash bonus after spending $500 on purchases within three months of account opening. This welcome offer is easy to achieve and adds significant value to the Quicksilver Card.
Earn Unlimited Cash Back
Earn an unlimited 1.5% cash back on all eligible purchases with no caps or bonus categories to worry about. This straightforward rewards structure makes the Quicksilver Card a versatile option for any spending habits.
Other Ways to Earn
Cardholders also earn unlimited 5% cash back on travel bookings made through the Capital One Travel portal. Cash back rewards with Quicksilver never expire, providing long-term value.
How to Redeem Rewards
Capital One Quicksilver offers flexible redemption options, including cash back as statement credits, shopping, and travel through the Capital One travel portal. Cardholders can also make purchases with Amazon or PayPal using their rewards points.
Capital One Benefits
In addition to unlimited cash back rewards, Quicksilver cardholders enjoy exclusive benefits such as complimentary Uber One membership, Capital One Entertainment Access, and access to exclusive reservations through Capital One Dining. Other benefits include no foreign transaction fees and Mastercard safety features.
Unlimited Cash Back Comparison
| Card | Rewards | 0% Intro APR | Annual Fee |
|---|---|---|---|
| Quicksilver Cash Rewards | Earn an unlimited 1.5% cash back on every purchase | 15 billing cycles on purchases and balance transfers | None |
| Chase Freedom Unlimited® | Earn 5% on travel through Ultimate Rewards, 3% back on drugstore purchases and dining at restaurants, and 1.5% back on all other purchases | 15 months on purchases and balance transfers | None |
| Citi® Double Cash Card | Earn 2% back on all purchases (1% back when you purchase and 1% back when you pay) | 18 months on balances transferred in the first 4 months | None |
Quicksilver Comparison
| Card | Annual Fee | Rewards | Credit | Welcome Bonus | 0% APR |
|---|---|---|---|---|---|
| Quicksilver Cash Rewards | $0 | Earn an unlimited 1.5% cash back on every purchase | Excellent | $200* | 15 months, purchases and transfers |
| QuicksilverOne Cash Rewards | $39 | Earn an unlimited 1.5% cash back on every purchase | Fair – Good | N/A | N/A |
Tips for Maximizing Rewards with Quicksilver
- Use the card daily to earn rewards on all purchases
- Take advantage of the welcome bonus by meeting the spending requirement
- Set up autopay to avoid late fees and interest charges
What We Like About Quicksilver
The streamlined rewards structure and credit-building opportunities make the Capital One Quicksilver Cash Rewards Card a valuable addition to any wallet. With unlimited 1.5% cash back on every purchase, this card offers simplicity and rewards in one package.
Things to Consider
While the Quicksilver Card offers a competitive rewards rate, it may be lower than other options on the market. Consider your spending patterns and rewards preferences before applying for this card.
Should You Apply for the Capital One Quicksilver Cash Rewards Credit Card?
If you have Excellent credit and are looking for a versatile cash back rewards card with no annual fee, the Capital One Quicksilver Cash Rewards Credit Card is an excellent choice. With a solid signup bonus, competitive rewards rate, and international travel benefits, this card is a top contender in the rewards card market.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- 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.
- No rotating categories or sign-ups needed to earn cash rewards
- Cash back wo't expire for the life of the account and there's no limit to how much you can earn
- $0 Fraud Liability if your card is ever lost or stole
Who this card may suit
- You want to earn unlimited 1.5% back on all purchases
- You plan to spend at least $500 on the card within the first three months
- You don’t want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 15 months from account opening date |
| Regular Purchase APR | 19.99% - 29.99% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 15 months from account opening date |
| Balance Transfer APR | 19.99% - 29.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR. |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | 3% of the amount of the cash advance, but not less than $3 |
| Late Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit.
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Capital One Quicksilver Cash Rewards Card
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