The Capital One Quicksilver Cash Rewards Credit Card is a no-annual-fee card designed for those who want straightforward cash back on every purchase — without tracking categories or spending limits. With 1.5% unlimited cash back on everything and no foreign transaction fees, it’s a strong choice for both everyday spending and travel abroad.
What Is the Quicksilver Card?
The Quicksilver Card from Capital One is a flat-rate cashback credit card that earns 1.5% cash back on all purchases, no matter the category or amount. Your cash back never expires, and there’s no minimum to redeem. The card also includes travel-ready perks and a competitive welcome bonus — all without an annual fee.
Key Features and Benefits
Unlimited 1.5% Cash Back
- Earn 1.5% cash back on every purchase, every day
- No rotating categories, sign-ups, or spending caps
- Cash back can be redeemed as statement credit, check, or gift cards
One-Time $200 Cash Bonus
- Earn $200 bonus after spending $500 on purchases within the first 3 months
- Low spending threshold makes it easy to qualify for the bonus
No Annual Fee
- Pay $0 in annual fees — keep every dollar you earn
No Foreign Transaction Fees
- Use your card internationally without added charges (unlike many no-fee cards)
0% Intro APR
- Enjoy 0% intro APR on purchases and balance transfers for 15 months
- After that, a variable APR applies (typically 19.99%–29.99%)
Travel and Purchase Protections
- Extended warranty on eligible items
- Fraud coverage and alerts
- Card lock feature in the Capital One app
- Travel accident insurance and auto rental collision coverage (secondary)
Digital Wallet and Account Management
- Compatible with Apple Pay, Google Pay, and Samsung Pay
- Real-time transaction alerts
- Virtual card numbers via Capital One Eno® for safer online shopping
Fees and Requirements
- Annual Fee: $0
- Intro APR: 0% for 15 months on purchases and transfers
- Foreign Transaction Fees: None
- Credit Needed: Good to Excellent (typically 690+ FICO)
- Balance Transfer Fee: 3% during intro, none after
How to Apply
- Visit capitalone.com/credit-cards/quicksilver
- Review current terms, bonus offer, and eligibility
- Fill out the online application (you can check pre-approval with no impact on credit score)
- Submit and get an instant decision in most cases
- If approved, receive your card in 7–10 business days
Conclusion: Is the Capital One Quicksilver Worth It?
Yes — if simplicity and flexibility matter. The Capital One Quicksilver is perfect for:
- Users who want consistent cash back without effort
- Travelers looking to avoid foreign transaction fees
- Anyone seeking a low-maintenance card with real rewards
With a strong cash bonus, no annual fee, and global usability, this card delivers excellent value for everyday spenders who want to earn effortlessly and redeem easily.
