How Does LendingTree Get Paid?
| Advertising Disclosure

How LendingTree Gets 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.

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.

Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card

Rewards Rate
Unlimited 1.5% Cash Back on every purchase, every day
Intro APR
0% intro on purchases for 15 months, then 14.99% - 24.99% (Variable)
Cash Back Details
No minimums for redeeming and cash back won't expire for the life of the account
Edited by
Julie Sherrier
Reviewed by
Tracy Brackman
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 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.

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 average/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 signup bonus and an introductory 0% APR for purchases. While the other cards do not offer a bonus or 0% 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

    • 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
    • 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 for 15 months; 14.99%-24.99% variable APR after that
    • $0 annual fee and no foreign transaction fees
  • Credit needed:
    680 850
    Excellent/Good
  • Foreign transaction fees: None
  • Extended warranty
  • Travel accident insurance
  • Virtual card numbers from Eno
  • Credit monitoring through CreditWise

Intro Purchase APR

0% intro on purchases for 15 months

Intro BT APR

N/A

Annual Fee

$0

Regular Purchase APR

14.99% - 24.99% (Variable)

Cash Advance Fee

3% of the amount of the cash advance, but not less than $10

Foreign Transaction Fee

None

Balance Transfer Fee

$0 at this Transfer APR

Pros and cons

Pros

  • $0 annual fee
  • Flat-rate cashback program
  • Easy-to-earn signup bonus
  • 0% APR intro period for purchases

Cons

  • No balance transfer intro offer
  • Low cash-back rate
  • Requires Excellent/Good credit

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

  • Signup 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. 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

    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 14.99% - 24.99% (variable) applies to any unpaid portion.

  • 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.

  • No balance transfer intro rate

    Although the Capital One Quicksilver Cash Rewards Credit Card provides a long intro APR on purchases, it does not offer an interest-free period for balance transfers. If you transfer a balance to the card, you will be subject to an APR of 14.99% - 24.99% (variable) until the transferred balance is paid in full. However, the card does come with a $0 at this Transfer APR balance transfer fee.

Alternate Quicksilver card

Compare it with the Capital One QuicksilverOne Cash Rewards Credit Card

Disclosures |
Capital One QuicksilverOne Card
Capital One QuicksilverOne Cash Rewards Credit Card
on Capital One's secure site
N/A
26.99% (Variable)
$39
1.5% Cash Back on every purchase, every day
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app
520 679

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.

 

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, balance transfer fees 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 average/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 No bonus
Rewards Rate
1.5% Cash Back on every purchase, every day 1.5% Cash Back on every purchase, every day 1.5% Cash Back on every purchase, every day 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
14.99% - 24.99% (Variable) 26.99% (Variable) 26.99% (Variable) 13.99% – 23.99% (Variable)
Intro Balance Transfer Rate
N/A N/A N/A 0% for 18 months on Balance Transfers
Regular Balance Transfer Rate
14.99% - 24.99% (Variable) 26.99% (Variable) 26.99% (Variable) 13.99% – 23.99% (Variable)
Balance Transfer Fee
$0 at this Transfer APR $0 at this Transfer APR $0 at this Transfer APR 3% of each balance transfer; $5 minimum.
Recommended Credit
Excellent/Good Average/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 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, a $0 at this Transfer APR 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