Capital One Quicksilver Review

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Capital One Quicksilver Cash Rewards Credit Card
Good for Welcome Bonus

Capital One Quicksilver Cash Rewards Credit Card

Learn more externa link icon at our partner’s secure site
Rewards rate:

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

  • Intro bonus: $200
  • Annual fee: $0
  • Regular APR: 15.49% – 25.49% (Variable)
  • Recommended credit score: 670-850 (Good to Excellent)

The Capital One Quicksilver Cash Rewards Credit Card* unlocks some serious perks and benefits for cardholders, along with a straightforward flat cash back rewards system. An additional cash welcome bonus and introductory 0% APR on purchases for 15 months (15.49% – 25.49% variable APR thereafter) give you some serious value with the Quicksilver card.

At a Glance

  • 1.5% cash back on every purchase
  • Welcome bonus of $200 when you spend $500 within 3 months from account opening
  • Introductory 0% APR on purchases for the first 15 months your account is open, then a variable APR of 15.49%, 21.49%, or 25.49% based on creditworthiness
  • No annual fee

Pros

  • Flat 1.5% cash back on every purchase

  • No annual fee

  • Welcome bonus

  • 0% Introductory APR on purchases for 15 months

Cons

  • No promotional 0% balance transfer rate

  • No higher-earning bonus rewards categories

Additional Card Details

Along with its strong intro APR and welcome bonus, Capital One Quicksilver comes with some nice additional perks like travel accident insurance, instant purchase notification, and complimentary concierge and travel assistance services. 

You can redeem your cash back 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. You’ll also have access to Capital One Experiences, which offers exclusive event offers on things like dining or sporting events.

Should You Get this Card?

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. 

While there are no specific cash back bonuses for travel spending, 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.

How to Use Capital One Quicksilver

This card stands out for its introductory 0% APR for purchases for 15 months (variable APR 15.49% – 25.49% 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.

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.

Capital One Quicksilver Compared to Other Cards

Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card

  • Intro bonus:
    $200
  • Annual fee:
    $0
  • Regular APR:
    15.49% – 25.49% (Variable)
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon at our partner’s secure site
Chase Freedom Unlimited®

Chase Freedom Unlimited®

  • Intro bonus:
    $200
  • Annual fee:
    $0
  • Regular APR:
    14.99% – 23.74% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon at our partner’s secure site
Citi® Double Cash Card

Citi® Double Cash Card

  • Intro bonus:
    No current offer
  • Annual fee:
    $0
  • Regular APR:
    13.99% – 23.99% (Variable)
  • Recommended credit:
    740-850 (Excellent)
  • Learn more externa link icon at our partner’s secure site

*All information about the Capital One Quicksilver Cash Rewards Credit Card, Capital One QuicksilverOne Cash Rewards Credit Card, and the Citi Double Cash Card has been collected independently by NextAdvisor and has not been reviewed by the issuer.

Bottom Line

EDITORIAL INDEPENDENCE

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

The Capital One Quicksilver Rewards card has a great 0% interest intro offer on purchases for 15 months (15.49% – 25.49% variable APR thereafter) and a nice flat cash back rate on everyday purchases. The flexibility to access your rewards in a number of ways makes this card ideal for savvy shoppers, and there are even some decent travel perks too.

Frequently Asked Questions

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.

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

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.