Capital One Quicksilver Review

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Good for Welcome Bonus Capital One Quicksilver Cash Rewards Credit Card
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Capital One Quicksilver Cash Rewards Credit Card
Editor’s Score: (4.2/5)
Apply Now externa link icon At Capital One’s secure site.
Good for Welcome Bonus Capital One Quicksilver Cash Rewards Credit Card
Editor’s Score: (4.2/5)
  • Intro offer:
    $200
  • Annual fee:
    $0
  • Regular APR:
    17.99% – 27.99% (Variable)
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

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. Earn unlimited 1.5% cash back on every purchase, every day.

NextAdvisor’s Take

Pros
  • Flat 1.5% cash back on every purchase
  • No annual fee
  • Welcome bonus
  • 0% Introductory APR on purchases for 15 months (17.99% – 27.99% variable APR thereafter); 3% fee on the amounts transferred within the first 15 months
Cons
  • No higher-earning bonus rewards categories
The Bottom Line
The Capital One Quicksilver Rewards card has a great 0% interest intro offer on purchases and balance transfers for 15 months (17.99% – 27.99% variable APR thereafter) and a nice flat cash back rate on everyday purchases.

Additional Card Details

  • 0% intro APR on purchases and balance transfers for the first 15 months, then a variable APR of 17.99% – 27.99% based on creditworthiness
  • No foreign transaction fees
  • Rewards don’t expire as long as the account is open
  • Unlimited 1.5% rewards
  • Multiple redemption options
  • Access to Capital One Experiences

Capital One Quicksilver Cash Rewards Credit Card Full Review

Card Type

The Capital One Quicksilver Cash Rewards Credit Card is a flat cash back credit card that offers 1.5% cash back on all purchases.

Annual Fee

Capital One Quicksilver has no annual fee.

Welcome Offer

You can earn a welcome bonus of $200 when you spend $500 within three months of opening your Capital One Quicksilver account. 

Rewards

This card offers unlimited 1.5% cash back on all purchases — excluding credits or returns, plus 5% cash back on hotels and rental cars booked through Capital One Travel. Terms apply. Your rewards don’t expire as long as your account is open, and there is no cap on the amount you can earn on purchases. 

You can redeem cash rewards in any amount at any time for a check, statement credit, gift cards, or through PayPal. You can also pay for Amazon.com purchases using your rewards.

Fees 

The card offers an introductory 0% APR on purchases and balance transfers for the first 15 months your account is open, then a variable APR of 17.99% – 27.99%. If you do choose to transfer a balance, you’ll pay a fee of 3% of your transferred balance during the promotional period.

A late payment fee up to $40 applies if you don’t pay by your statement due date, and there are no foreign transaction fees for purchases you make abroad. 

Benefits of Capital One Quicksilver

The Capital One Quicksilver card’s 0% interest intro offer on purchases and balance transfers, combined with its ongoing 1.5% unlimited cash back make it a solid choice for cardholders looking for a straightforward rewards card — especially if you want to pay down high interest debt before you start earning. 

Beyond that, there aren’t a ton of benefits offered, but you can enjoy some travel perks like travel accident insurance and 24/7 concierge service. Benefits only available to accounts approved for the Signature card. Terms apply.

Drawbacks of Capital One Quicksilver

The Capital One Quicksilver offers a lot of value, but you can get a higher flat cash back rate with other cards. And if most of your monthly spending is focused in one category — like groceries or dining — you may find even more value from a cash back card with tiered bonus rewards categories. There are also few benefits offered, so if you’re looking for robust travel protections, statement credits, and other perks, there are better options available.

Don’t forget to consider your payoff plan if you take advantage of this card’s introductory APR offer, too. Whether you’re paying down debt with a balance transfer or paying off a new purchase over time, make sure you can do so within the promotional period. If you need longer to pay down your balance, you can find more lengthy 0% offers elsewhere.

How to Use Capital One Quicksilver

This card stands out for its introductory 0% APR for purchases for 15 months (variable APR 17.99% – 27.99% thereafter). This can be helpful to finance one-time larger purchases over a longer time period, but if you’re shopping purely for a 0% interest card you’ll find better offers. 

You’ll get 1.5% cash back on your net purchases excluding cash advances, balance transfers, or checks. Your rewards don’t expire as long as your account is open, and there is no cap on the amount you can earn on purchases. 

If you spend $3,000 per month, for example, you could earn $540 in cash back every year. That’s on top of the additional $200 if you snag the bonus offer by spending at least $500 within three months of opening your account. 

Your rewards can be accessed at any time and for any amount in several different ways. You can get a check, statement credit, or gift card, or use them to shop directly through PayPal or Amazon.com.

Capital One Quicksilver Compared to Other Cards

Our Choice
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Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card

Editor’s Score: (4.2/5)
  • Intro offer:
    $200
  • Annual fee:
    $0
  • Regular APR:
    17.99% – 27.99% (Variable)
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Capital One’s secure site
Learn More externa link icon
Chase Freedom Unlimited®

Chase Freedom Unlimited®

Editor’s Score: (4.7/5)
  • Intro offer:
    Earn an Additional 1.5% Cash Back
  • Annual fee:
    $0
  • Regular APR:
    17.24% – 25.99% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Chase’s secure site
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Citi® Double Cash Card

Citi® Double Cash Card

Editor’s Score: (4.9/5)
  • Intro offer:
    $200 Cash Back
  • Annual fee:
    $0
  • Regular APR:
    16.99% – 26.99% (Variable)
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon At our partner’s secure site

Is Capital One Quicksilver Right for You?

If you want an uncomplicated cash back card for everyday purchases with great benefits, then the Capital One Quicksilver will be a welcome addition to your wallet. You’ll earn 1.5% cash back on all purchases — excluding credits or returns. 

The card earns 5% cash back on hotels and rental cars booked through Capital One Travel, Terms apply. The card’s perks lend themselves well to everyday use, as well as to travelers. You’ll get travel accident insurance when you use your card to purchase fare, 24-hour travel assistance that can give you an emergency replacement card and cash advance in the event of theft, and a complimentary concierge service to help with your planning. The card also has no foreign transaction fees.

The versatility of this card’s rewards and perks make it a good option for all sorts of consumers. Travelers and everyday users will both find plenty of benefits and value with it.

Other Quicksilver cards

Capital One offers additional versions of the Quicksilver card available to people with lower credit scores, though the rewards, bonus and APR details can differ. For example, the Capital One QuicksilverOne Cash Rewards Credit Card is available to people with fair credit, though it doesn’t have a new card member offer and comes with a $39 annual fee. Still, it offers the same 1.5% cash back rewards structure, making it a decent cash back option for people with lower credit scores.

EDITORIAL INDEPENDENCE

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

Frequently Asked Questions

Do you need good credit for the Capital One Quicksilver?

The Capital One Quicksilver card requires good to excellent credit. But there are additional versions of the Quicksilver card available to people with lower scores.

Is there a foreign transaction fee?

No. There are no foreign transaction fees for CapitalOne Quicksilver users.

How do I redeem my cash back credit?

You can redeem the cash back you earn for statement credits, a check, gift cards, or can apply it directly to PayPal and Amazon.com purchases.