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Capital One Quicksilver Cash Rewards Credit Card — Full Review [2025]
Jarrod West
Jarrod West
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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 8 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Michael Y. Park is a journalist living in New York City. He’s traveled through Afghanistan disguised as a Hazara Shi’ite, slept with polar bears on the Canadian tundra, picnicked with the king and que...
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The rating for this card has been determined by our own industry experts who know the ins and outs 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.
Purchases: 0% intro APR on purchases for 15 months; 19.24% - 29.24% variable APR after that
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 ins and outs 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 Details
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
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; 19.24% - 29.24% variable APR after that; balance transfer fee applies
Access to Capital One Entertainment and Capital One Dining
Extended warranty coverage
Cons
Doesn’t offer bonus categories for those looking to maximize certain purchases
Doesn’t earn transferable rewards
Upgraded Points: Expertise You Can Trust
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Great Card If
You want a $0-annual-fee credit card (rates & fees).
You’re looking for a simple cash-back rewards program.
Don’t Get It If
You prefer to earn travel rewards.
You want to earn more than 1.5% cash-back in some spending categories.
Capital One Quicksilver Card — Is It Worth It?
Adding the Capital One Quicksilver card to your wallet can be great if you’re looking for a $0-annual-fee card with a simple cash-back earning structure (rates & fees).
Not only do you earn an uncapped 1.5% cash-back on all purchases, but you can also earn 5% cash-back on hotels and rental cars purchased through Capital One Travel. Additionally, you receive perks like price protection, extended warranty, access to Capital One Entertainment, and more.
Capital One Quicksilver Card Top Benefits
Here is a look at the best benefits of the Capital One Quicksilver card:
50% off at Capital One Cafes: Get 50% off all handcrafted beverages every day at any Capital One Café nationwide.
Capital One Entertainment: Receive access to exclusive presales, tickets, suite experiences, and more.
Capital One Dining: Receive access to reservations at award-winning restaurants and tickets to curated culinary events.
No Foreign Transaction Fees: Use your card overseas without worrying about foreign transaction fees (rates & fees).
Best Ways To Earn and Redeem Your Cash-Back
Of course, you want to use your card for as many purchases as possible to rack up as much cash-back as you can since you earn an uncapped 1.5% back on all purchases. Additionally, consider booking your hotels and car rentals through Capital One Travel to take advantage of the 5% cash-back.
When you’re ready to redeem your cash-back, you can redeem it as a statement credit, for gift cards, through PayPal, Amazon, or in other ways.
Alternative Cards to the Quicksilver Card
Blue Cash Everyday® Card from American Express
The Amex Blue Cash Everyday cardoffers 3% cash-back at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases, on up to $6,000 per year in purchases. If you happen to have a large amount of spend in these 3 categories, you might be better off holding the Amex Blue Cash Everyday card in your wallet.
The rating for this card has been determined by our own industry experts who know the ins and outs 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
20.24%-29.24% 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 & Cons
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.
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.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% 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.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.
Financial Snapshot
APR: 20.24%-29.24% Variable,0% on purchases for 15 months
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
Additionally, the card offers perks like an up to $180 annual Home Chef creditt and an up to $84 annual Disney bundle credit, all for a $0 annual fee (rates & fees).
Citi Double Cash® Card
Those interested in a simple cash-back card should consider the Citi Double Cash card.
The rating for this card has been determined by our own industry experts who know the ins and outs 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.
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Earn $200 cash-back after spending $1,500 on purchases in the first 6 months of account opening.
$200 cash-back
$0
18.24% to 28.24% Variable
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.
Fair to Excellent (580-850)
Why We Like This Card
The Citi Double Cash® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!
This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.
Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.
Pros & Cons
Pros
Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Earn a total of 5 ThankYou® Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel® portal.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Only Offer: 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 18.24% – 28.24%, based on your creditworthiness. Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Financial Snapshot
APR: 18.24% to 28.24% Variable
Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase
It earns 2% back on all purchases (1% back when you buy plus an additional 1% as you pay for those purchases) and a $0 annual fee. Additionally, all of the cash-back you earn comes in the form of Citi ThankYou Rewards Points, which can then be pooled with a premium Citi ThankYou Rewards card that offers access to all of Citi’s transfer partners.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
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