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Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business...
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The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
19.99% - 29.99% (Variable),0% intro on purchases for 15 months
Good to Excellent (670-850)
Capital One Quicksilver Cash Rewards Credit Card
A flexible, no-frills card that earns 1.5% cash-back on all purchases. Redeem rewards for any amount anytime you choose with no annual fee.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Low maintenance, that’s your motto. When it comes to your credit cards, you don’t have the time or inclination to figure out which spending categories earn you the most cash-back.
A card that earns 1.5% cash-back for everything is more your speed.
That’s why you should consider the Capital One Quicksilver Cash Rewards Credit Card. You’ll never waste your time with changing categories, and there’s no limit to the cash-back you can earn.
Card Snapshot
Welcome Bonus & Info
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; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Doesn’t offer bonus categories for those looking to maximize certain purchases
Great Card If
You want a no-annual-fee credit card (rates & fees)
You are looking for a simple, easy-to-understand rewards program
Don’t Get If
You prefer to earn travel rewards
You want to earn more than 1.5% cash-back in some spending categories
Welcome Bonus and Cash-back Rate
The welcome bonus for the Quicksilver card is shown at the top of the page under the card snapshot. Simply spend the required amount in the time allotted to earn bonus cash-back!
Then, earn unlimited 1.5% cash-back for every dollar you spend with the card. Cash-back is redeemable at any time, and rewards never expire!
It’s just that simple.
Quicksilver Card Benefits
Nobody likes paying fees, and the Quicksilver card makes things simple. There’s no annual fee and no foreign transaction fees (rates & fees)!
Intro APR Offers
Have you had your eye on a new washing machine? Is it time to replace your dishwasher? This card’s intro APR gives you a great opportunity to make a large purchase and spread out the payments without incurring hefty interest.
Then, you can pay off some of the purchase with the cash-back earned. Of course, you never want to make a purchase just to get the introductory APR offer.
Only buy what you really need, and always keep up with the payments. If your balance isn’t paid off when the introductory APR expires, you’ll be charged interest way back to the time of purchase!
Best Way To Redeem Capital One Cash-Back Rewards
You have 2 options for redeeming cash-back for the most value: a check or statement credit. Just request your cash-back whenever you’re ready.
If you want to redeem cash-back from your Quicksilver card without having to think about it, you can arrange for automatic redemption at capitalone.com or by contacting the Rewards Center.
Select a date on the calendar, or set it up to issue when you reach a specific threshold ($25, $50, $100, or $200).
Even if you elect to use automatic redemptions, you can still request cash-back at any time. Also, you can always change your automatic redemption preference for the following month.
Other Redemptions
You can redeem the cash-back earned for gift cards and merchandise at capitalone.com and the Rewards Center.
When your eligible card is linked to PayPal, you can checkout with PayPal and redeem your cash-back at a rate of $1 to $1.
However, we don’t recommend this since the cash-back is valued at a lot less for these redemptions.
Best Way To Maximize Capital One Cash-back Rewards
Here are some tips for maximizing your cash-back with the Quicksilver card:
Tip #1: Spend the required amount in the allotted time to earn the welcome bonus, one of the easiest and best ways to get value from the card.
Tip #2: As we mentioned earlier, combine credit cards to get the most value for your purchases.
Use cards that earn more for certain categories, and then put everything else on the Capital One card.
Tip #3: If you have more than 1 Capital One account, you may be able to transfer rewards between them. Then, you can get more cash-back at one time!
Tip #4: Always pay your bill on time. Otherwise, you won’t be able to redeem cash-back for that billing cycle.
Tip #5: Add family members to your card as authorized users to earn cash-back on all of their purchases as well! As an added bonus, they will improve their credit scores!
Alternative Cards to the Quicksilver Card
The card certainly makes earning cash-back easy. Unlike many cards, you don’t have to follow along with changing categories or maximum earnings because it’s 1.5% cash-back all the time.
Unfortunately for some cardmembers, this could also be a drawback: you can’t earn any more than 1.5% cash-back.
For instance, the Blue Cash Everyday® Card from American Expressoffers 3% cash-back on U.S. supermarket purchases up to $6,000, plus an unlimited 2% cash-back on purchases at U.S. gas stations and U.S. department stores. All other purchases earn 1%.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
$0
19.24%-29.99% Variable,0% on purchases for 15 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.
Pros
3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.
Monthly credit towards The Disney Bundle
Monthly credit towards Home Chef
Cons
Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
Terms Apply.
Financial Snapshot
APR: 19.24%-29.99% Variable,0% on purchases for 15 months
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One QuicksilverOne Cash Rewards Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the Blue Cash Everyday® from American Express, click here.
Frequently Asked Questions
What is the Quicksilver card? Is it worth it?
This is a cash-back credit card. Spend the required amount in the allotted time to earn the current sign-up bonus and earn cash-back right away (see the card snapshot in our article).
As a Capital One card, it offers a long list of shopping, travel, and insurance perks.
You earn unlimited 1.5% cash-back on all purchases, and there is no annual fee (rates & fees).
How does the Quicksilver card work?
Earn 1.5% cash-back on all purchases. There is no limit to the amount of cash-back you can earn. Redeem cash-back for a check or a statement credit.
You can also redeem for gift cards and merchandise. However, because the value of your cash-back is much lower for these options, we don’t recommend it.
When does cash-back from the Quicksilver card expire?
Your rewards will never expire as long as your account is active.
Yes, there is a 15-month 0% intro APR on purchases with a 19.99% – 29.99% variable APR after that period (rates & fees).
Does the Quicksilver card have a foreign transaction fee?
No. There are no foreign transaction fees with the Quicksilver card (rates & fees).
Which is better, the Quicksilver card or the Capital One Venture card?
The value of the cards is similar. However, the Capital One Venture card is targeted to those who want to earn credit for travel purchases instead of cash-back.
Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business, The New York Times, and more.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
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