Edited by: Juan Ruiz
& Kellie Jez
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19.99% - 29.99% (Variable),0% intro on purchases for 15 months
Good to Excellent (670-850)
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.
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.
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.
Nobody likes paying fees, and the Quicksilver card makes things simple. There’s no annual fee and no foreign transaction fees (rates & fees)!
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!
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.
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.
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 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 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!
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%.
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!
If you're approved and accept this Card, your credit score may be impacted.
When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday® Card from American Express apart from the rest?
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.
One solution is to use the Amex Blue Cash Everyday card for the higher earnings categories, and the Quicksilver 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 Amex Blue Cash Everyday card.
If your credit is average, then you could consider the QuicksilverOne card. You’ll still get 1.5% cash-back on all purchases, there’s a small sign-up bonus, and the annual fee is $39 (rates & fees).
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.
We’ve also compared the Quicksilver card to some other popular cards:
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.
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.
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.
Your rewards will never expire as long as your account is active.
There are no partners with this card.
The Quicksilver card is for those with excellent credit.
After making your first 5 payments for the Quicksilver card on time, you can get access to an increased credit line.