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How Does LendingTree Get Paid?

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Capital One Quicksilver Cash Rewards Credit Card Review

Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card Review

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)
Intro APR
0% intro on purchases for 15 months, then 17.99% - 27.99% (Variable). 0% intro on balance transfers for 15 months, then 17.99% - 27.99% (Variable)
Cash Back Details
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
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the Capital One Quicksilver Cash Rewards Credit Card best for?

The Capital One Quicksilver Cash Rewards Credit Card offers a straightforward approach to earning rewards with 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).

There are three Quicksilver cards, with each geared toward consumers with varying levels of credit scores. The Capital One QuicksilverOne Cash Rewards Credit Card is designed for those with fair/limited credit, the Capital One Quicksilver Cash Rewards for Good Credit for those with good credit and the Capital One Quicksilver Cash Rewards Credit Card is for those with excellent/good credit.

With the Capital One Quicksilver Cash Rewards Credit Card, cardholders are eligible for a sign-up bonus and an introductory APR for purchases. While the other cards do not offer a bonus or intro APR offer, they all come with similar cashback rewards programs.

We break down the pros and cons of the Capital One Quicksilver Cash Rewards Credit Card, and show how it compares to the Capital One QuicksilverOne Cash Rewards Credit Card, which offers the same cashback rate on every purchase, but is easier to qualify for if your credit isn’t in the excellent/good range.

Capital One Quicksilver Cash Rewards Credit Card overview

    • 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
    • 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. 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; 17.99%-27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Credit needed:
    680 850
    Excellent/Good
  • Foreign transaction fees: None
  • Extended warranty
  • Travel accident insurance

Intro Purchase APR

0% intro on purchases for 15 months

Regular Purchase APR

17.99% - 27.99% (Variable)

Intro BT APR

0% intro on balance transfers for 15 months

Regular BT APR

17.99% - 27.99% (Variable)

Annual Fee

$0

Cash Advance Fee

3% of the amount of the cash advance, but not less than $3

Foreign Transaction Fee

None

Balance Transfer Fee

3%

Pros and cons

Pros

  • $0 annual fee
  • Flat-rate cashback program
  • Easy-to-earn sign-up bonus
  • Intro APR on purchases and balance transfers

Cons

  • Low cash-back rate
  • Balance transfer fee

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

  • Sign-up bonus

    Cardholders earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

  • Simple cashback rewards program

    With the Capital One Quicksilver Cash Rewards Credit Card, cardholders 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). Cashback rewards never expire and can be redeemed for statement credits, checks, merchandise or gift cards. You can also use your cash back to cover a recent purchase.

  • Intro APR on purchases and balance transfers

    If you want to finance a large purchase over time, the Capital One Quicksilver Cash Rewards Credit Card offers an APR of 0% intro on purchases for 15 months. After that, a regular APR of 17.99% - 27.99% (variable) applies to any unpaid portion.

    Plus, the card offers an APR of 0% intro on balance transfers for 15 months, then an APR of 17.99% - 27.99% (variable).

  • Annual fee

    The Capital One Quicksilver Cash Rewards Credit Card charges a $0 annual fee.

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

  • Low cashback rewards rate

    If you want to maximize your earning potential, there are several cashback credit cards that offer much higher rewards rates in popular spending categories, such as dining, groceries and gas. There are also flat-rate cards that offer 2% cash back or more on every purchase.

  • Balance transfer fee

    If you transfer a balance to the Capital One Quicksilver Cash Rewards Credit Card, you will be subject to balance transfer fee of 3% of the amount of each transfer.

Alternate Quicksilver card

Compare it with the Capital One QuicksilverOne Cash Rewards Credit Card

| Disclosures
Capital One QuicksilverOne Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
on Capital One's secure site
N/A
28.49% (Variable)
$39
1.5% Cash Back on every purchase, every day; 5% Cash Back on
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • 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. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
540 659

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.

 

Besides similar names, the Capital One Quicksilver Cash Rewards Credit Card and the Capital One QuicksilverOne Cash Rewards Credit Card share the same rewards rates and foreign transaction fees. Where the cards differ the most is their credit requirements, annual fees, APRs and sign-up bonuses.

For example, the Capital One QuicksilverOne Cash Rewards Credit Card is geared toward individuals with fair/limited credit – meaning your credit score falls between 580 and 669.

The Capital One Quicksilver Cash Rewards Credit Card, on the other hand, is for people with excellent/good credit.

Additionally, the Capital One QuicksilverOne Cash Rewards Credit Card charges a $39 annual fee, while the Capital One Quicksilver Cash Rewards Credit Card comes with a $0 annual fee.

Compare the Capital One Quicksilver Cash Rewards Credit Card to similar cards

Comparison of four different credit cards
Capital One Quicksilver Cash Rewards Credit Card Capital One QuicksilverOne Cash Rewards Credit Card Capital One Quicksilver Cash Rewards for Good Credit Citi<sup>®</sup> Double Cash Card – 18 month BT offer
Capital One Quicksilver Cash Rewards Credit Card Capital One QuicksilverOne Cash Rewards Credit Card Capital One Quicksilver Cash Rewards for Good Credit Citi® Double Cash Card – 18 month BT offer
Apply Now
on Capital One's secure site
Apply Now
on Capital One's secure site
Apply Now
on Capital One's secure site
Apply Now
on Citibank's secure site
Annual Fee
$0 $39 $0 $0
Welcome Offer
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening No bonus N/A None
Rewards Rate
1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro Purchase APR
0% intro on purchases for 15 months N/A N/A N/A
Regular APR
17.99% - 27.99% (Variable) 28.49% (Variable) 28.49% (Variable) 17.74% - 27.74% (Variable)
Intro Balance Transfer APR
0% intro on balance transfers for 15 months N/A N/A 0% for 18 months on Balance Transfers
Regular Balance Transfer APR
17.99% - 27.99% (Variable) 28.49% (Variable) 28.49% (Variable) 17.74% - 27.74% (Variable)
Balance Transfer Fee
3% $0 at this Transfer APR $0 at this Transfer APR There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
Recommended Credit
Excellent/Good Fair/Limited Good Excellent/Good
Card Details
Capital One Quicksilver Cash Rewards Credit Card Capital One QuicksilverOne Cash Rewards Credit Card Capital One Quicksilver Cash Rewards for Good Credit Citi® Double Cash Card

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

The Capital One Quicksilver Cash Rewards Credit Card is a good option if you have excellent/good credit and want to earn a decent cashback rate on every purchase, without the hassle of keeping track of spending caps or rotating categories. Additionally, the card offers a generous introductory APR on purchases and a $0 annual fee.

But if your credit isn’t in the excellent/good range, the Capital One QuicksilverOne Cash Rewards Credit Card or the Capital One Quicksilver Cash Rewards for Good Credit are great alternatives, since they offer many of the same benefits, including 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply), a 3% balance transfer fee, extended warranties, travel accident insurance and more.

Plus, starting at six months, Capital One will automatically review your account to see if you qualify for a higher credit limit.

Apply Now
on Capital One's secure site