Capital One® Quicksilver® Cash Rewards Credit Card Review

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Capital One® Quicksilver® Cash Rewards Credit Card Review

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.

"1.5% Cash-Back Across the Board"

A flexible, no-frills card that earns 1.5% cash-back on all purchases. Redeem rewards for any amount anytime you choose.

Learn More (at Capital One's secure site)

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 Quicksilver Cash 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 (Partner Content)
    • One-time $150 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; 15.74%-25.74% variable APR after that
    • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
    • Pay no annual fee or foreign transaction fees
  • Card Categories:
  • Rewards Center
    This card's rewards will accrue on the card and be available under
  • Customer Service Number
  • Login Link
  • Related Articles
  • Card Focus:
    • All Purchases
  • Typical Users
    International Travelers, Parents / Families, The Average Spender

The Ideal Cardholder

For those looking for a low maintenance card to match their low maintenance lifestyle, check out the Quicksilver Cash Card.

Sign-Up Bonus and Cash-Back Rate

The sign-up bonus for the card is shown above in the card summary table. 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.

Bottom Line:  Earn 1.5% cash-back for all purchases with the Quicksilver Cash Card.

Quicksilver Cash Card Benefits

Nobody likes paying fees, and the Quicksilver Cash Card makes things simple. There’s no annual fee and no foreign transaction fees!

You even get a 0% intro APR for 9 months on purchases and transfers (though there is a 3% fee on the total transfer amount).

Whether you have a big purchase in your immediate future or just want to transfer a balance from a high-interest credit card, the card has got you covered.

Bottom Line: The Quicksilver Cash Card has no annual fee, no foreign transaction fees, and a 0% intro APR for the first 9 months! Also get every 10th ride free with Uber, up to $15.

Capital One and Visa Signature Perks

Capital One cards come with a ton of great fraud protection and insurance perks.

For example, with Second Look from Capital One, you are automatically notified if there are unusual or duplicate charges on your account. You also get an emergency card replacement and a cash advance if your card is lost or stolen.

Because it is a Visa Signature card, you get even more perks.

Enjoy premium benefits at over 900 hotel properties, roadside dispatch, and Visa Signature Concierge 24 hours a day.

See the Gritty Details for more information about all of the Capital One and Visa Signature programs available to cardholders.

Bottom Line: The Quicksilver Cash Card has a great array of protection and insurance benefits, including the Visa Signature benefits included with this card.

Card Drawbacks and Alternatives

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 Express offers 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%.

One solution is to use the Blue Cash Everyday® Card from American Express for the higher earnings categories, and the Quicksilver Cash Card for everything else.

However, if you prefer a simple rewards card, then earning 1.5% cash-back across the board may be just fine!

Also, note that you’ll need excellent credit to qualify for the American Express card.

If your credit is average, then you could consider the Capital One QuicksilverOne Cash Rewards Credit Card. You’ll still get 1.5% cash-back on all purchases, but there’s no sign-up bonus, and the annual fee is $39.

You may also get a lower credit line, however, after making your first 5 monthly payments on time, you can get access to a higher credit line.

Bottom Line: Some may find the 1.5% cash-back maximum on the Quicksilver Cash Card a bit low if you spend higher amounts in categories where other cards would earn 2% or more cash-back.

Final Thoughts on the Card

If you want a basic, no-frills cash-back card that earns a flat 1.5% on all of your purchases, the Quicksilver Cash Card may be right up your alley.

You have no limit on your cash-back, and can redeem it in any amount at any time. You’ll also get the partnership with Uber, which proved very popular last year. With this deal, every 10th ride is free (up to $15) until March 2017!

For those who want the potential to earn more than 1.5%, combining cards is always an option.

For more information on other Capital One card options, head on over to our post on The Best Capital One Credit Cards for Travel Rewards, Cash-back, & More.

Great Card If

  • You want a no-annual-fee credit card
  • You are looking for a simple, easy-to-understand rewards program
  • You will take advantage of the 9 months interest-free for a large purchase

Don't Get If

  • You prefer to earn travel rewards
  • You want to earn more than 1.5% cash-back in some spending categories

Card Fees

  • Annual Fee
    • $0
  • Foreign Transaction Fees
  • Interest Rates
    • 0% intro APR on purchases for 15 months; 15.74%-25.74% variable APR after that
  • Balance Transfers
    • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months

U.P. Pro Tips

The fastest way to earn cash-back is by using the Capital One Quicksilver Cash Rewards Credit Card for all purchases that can be put on a credit card.

First, go through your expected monthly expenses and figure out which can be charged to the card. This will include gas, groceries, insurance payments, and much more.

Then, keep the card on hand for any unexpected expenses.

Whether the kids need a haircut or you need a new bathing suit for an upcoming vacation, make sure to use your card to get 1.5% cash-back every time.

Pay for your haircut with the Capital One Quicksilver Cash Rewards Credit Card to get 1.5% cash-back. Other cards may only give you 1%, and you’d get nothing if you paid with cash!

Best Way To Maximize Points

Here are some tips for maximizing your cash-back with the Quicksilver Cash Card:

Tip #1: Spend the required amount in the allotted time to earn the sign-up 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 one Capital One Rewards 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!

Add your family members as authorized users in order to collect 1.5% cash-back for all their purchases as well. As a bonus, you’ll help them build their credit!

Best Way To Redeem Points

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 Cash Card without having to think about it, you can arrange for automatic redemption at 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 and the Rewards Center.

However, we don’t recommend this since the cash-back is valued at a lot less for these redemptions.

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!

There are no travel partners associated with the Capital One Quicksilver Cash Rewards Credit Card.

The Gritty Details: Everything Else You Need To Know

The sign-up bonus credit is only awarded to new cardmembers. Once you qualify, the credit will appear on your statement within 2 billing cycles.

You cannot earn cash-back on cash advances, checks used to access your account, and balance transfers.

Late payments disqualify cardmembers from earning rewards during that billing cycle.

Other Unique Benefits

Capital One offers a variety of cardmember benefits on its card, including all of the following and more:

$0 fraud liability – There is no liability if your card is lost or stolen

Security alerts – Receive personalized emails and texts regarding account security

Online banking – Manage your Capital One account online

Capital One Wallet – Download and enroll in the mobile payment app to receive immediate notifications regarding charges, account balances, available credit, and rewards earnings.

Second Look from Capital One – This feature identifies unusual and duplicate charges on your account

Apple Pay – Use select Apple devices to make purchases with your Capital One card

Personalized payment – Choose your own billing due date and payment method with no fee

Autopay – Set up automatic monthly payments

Travel accident insurance – Pay for travel fare with the card and receive automatic insurance for loss of life or limb at no extra charge

24-hour travel assistance – Get emergency card replacement and a cash advance if the card is lost or stolen

Auto rental insurance – Coverage for damage due to collision or theft when you use the card

Extended warranty– Receive additional warranty protection on card purchases

Annual account summary – A yearly overview of payments and transactions organized by category

Financial education site – Get access to financial tools, tips, and resources to manage your credit

Because the Capital One Quicksilver card is also a Visa Signature card, you get additional benefits, including but not limited to:

Visa Signature Concierge – Available 24 hours a day, both from home and when you travel

Event access – Enjoy special access and preferred seating at sporting events and concerts

Luxury Hotel Collection – Premium benefits at over 900 properties

Roadside dispatch – Towing and locksmith referral services in the U.S. and Canada available 24/7

Lost luggage reimbursement – Coverage up to $3,000 if checked or carry-on luggage is lost or stolen

Photo Credits/Credit/Copyright Attribution:
Man in White Lounging: Zhukov Oleg/Shutterstock
Woman’s Haircut: santypan/Shutterstock
Family on Couch with Card: Kzenon/Shutterstock
Indecisive Man:


What is the Quicksilver Cash 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 summary table or special offer below).

As a Capital One card, it offers a long list of shopping, travel and insurance perks. Because it is also a Visa Signature card, you receive a variety of additional perks too (24/7 concierge, event access and more).

You earn unlimited 1.5% cash-back on all purchases, and there is no annual fee.

How does the Quicksilver Cash 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 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 Cash Card expire?

Your rewards will never expire as long as your account is active.

Does the Quicksilver Cash Card have an annual fee?

There is no annual fee.

Who are the Quicksilver Cash Card partners?

There are no partners with this card.

Does the Quicksilver Cash Card have a 0% APR?

Yes, there is a 15-month 0% intro APR on purchases and transfers. You do have to pay a 3% fee on balance transfers.

Does the Quicksilver Cash Card have a foreign transaction fee?

No. There are no foreign transaction fees with the Quicksilver Cash Card.

Which is better, the Quicksilver Cash Card or the Capital One Venture Rewards Credit Card?

The value of the cards is similar. However, the Capital One Venture Rewards Credit Card is targeted to those who want to earn credit for travel purchases instead of cash-back.

In addition, the Capital One Venture Rewards Credit Card has an annual fee after the first year and does not offer a 0% intro APR.

What is the Quicksilver Cash Card login?

The login is available at

What is the difference between the Quicksilver Cash Card and QuicksilverOne Cash Card?

The Quicksilver Cash Card is for those with excellent credit. If you have average credit, you may qualify for the QuicksilverOne Cash Card.

It has a $39 annual fee and does not offer a sign-up bonus, but other than that the cards are very similar.

After making your first 5 payments for the QuicksilverOne Cash Card on time, you can get access to an increased credit line.

Alex Miller

About Alex Miller

Alex has been traveling for over 25 years and from a young age was lucky enough to set out on numerous family trips all over the world, which gave him the travel bug. Alex has since earned millions of travel points and miles, mainly through maximizing credit card sign-up bonuses and taking every opportunity to earn the most points possible on each dollar spent.


Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


  1. Lupe Farran · August 29, 2019 · Reply

    When making purchases & earning rewards, how longe does it take for those reward credits to be applied to ones’ reward account?

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