- Sign-Up Bonus
- 5
- Spending Multipliers
- 4.5
- Credits & Features
- 1
- Fees
- 5
- Application
- 5
- Issuer
- 4.5
Summary
- Sign-Up Bonus
- 5
- Spending Multipliers
- 4.5
- Credits & Features
- 1
- Fees
- 5
- Application
- 5
- Issuer
- 4.5
The Capital One Quicksilver Cash Rewards Credit Card is a straightforward, no-annual-fee cash back credit card designed for consumers who want simple, flat-rate rewards on every purchase without tracking bonus categories. With unlimited 1.5% cash back on all purchases, it’s an excellent choice for everyday spenders who value consistency across groceries, gas, online shopping, and bills. The card also charges no foreign transaction fees, making it a practical option for international travel, and cardholders can convert cash back into miles when paired with a Capital One Venture card for added travel flexibility. Additional perks include extended warranty protection, Hertz Five Star status, travel accident insurance, and 50% off handcrafted beverages at Capital One Café. While the 1.5% flat-rate earning isn’t the highest available in the market, the Capital One Quicksilver card is best suited for consumers who want uncomplicated rewards, travel-friendly benefits, and long-term value without paying an annual fee.
Pros
Cons
Issuer
Capital One, established in 1994 as a spin-off from Signet Financial Corp, has grown into one of the largest banks in the US with international presence in the UK and Canada. Leveraging data-driven strategies, it offers a diverse range of financial products, including credit cards, checking, savings, and business services. While serving over 100 million customers, Capital One is recognized as a subprime lender, occasionally denying credit to those with higher credit scores. With $662 billion in total assets and $69 billion in annual revenue in 2025, it maintains financial stability. The company emphasizes technology, employing real-time data, AI, and machine learning, and is committed to environmental sustainability, aiming to reduce GHG emissions and support renewable energy. Despite a decreasing physical branch presence, Capital One continues its mission to revolutionize banking by bringing ingenuity, simplicity, and humanity to the industry, reflecting a dedication to financial inclusion and adherence to regulatory standards as an FDIC-insured institution.
Spending Multipliers
5%
Miles on hotels through Capital One Travel
5%
Cash Back on vacation rentals through Capital One Travel
5%
Miles on car rentals through Capital One Travel
1.5%
Cash Back on all other purchases
Credits & Features
Application
- Capital One has a strict 1/6 rule, meaning you can only apply for 1 Capital One card every 6 months
- Consider having at least a credit history for 3 year
- Capital One usually pulls from all 3 major credit bureaus
- See if you are pre-approved before applying
- Capital One states that for excellent credit, you may never have declared bankruptcy or defaulted, not been more than 60 days late on a payment, and have a credit history of 3+ years with a limited of $5,000+
Fees
- No Annual Fee
- No Foreign Transaction Fee
- Up to $40 late fee
- 18.49% - 28.49% Variable APR
- 28.49% APR for Cash Advance
- $5 or 5% of each cash advance amount (whichever is greater)
- 18.49% - 28.49% APR for Balance Transfer
- 4% of each transfer amount