The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.


  • Capital One Quicksilver Cash Rewards Credit Card

    Best for intro APR on balance transfers and purchases with ongoing value


    • 0% Intro APR (then variable APR)Balance Transfer Offer
    • 15 monthsBalance Transfer Duration
    • 19.99%–29.99% VariableAPR
    • 3% of the amount transferred that posts on your account during the first 15 monthsBalance Transfer Fee
    • Good–ExcellentRecommended Credit

    Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card is tailor-made for those who value simplicity and value. Ideal for daily expenditures and globe-trotting adventures, its user-friendly cash back structure and zero foreign transaction fees offer many opportunities for rewards. Travel enthusiasts will also appreciate unique savings on hotel stays and car rentals. Moreover, the card rewards patience with an extensive interest-free phase. However, prospective cardholders should note that while this card has many advantages, obtaining approval might be difficult for those with mediocre credit, and there's a possible APR increase after the welcome period ends.

Capital One Quicksilver Cash Rewards Credit Card Overview

Evaluating the nuanced features of a credit card is crucial when deciding if a card is right for you; each card offers a blend of benefits and potential pitfalls tailored to different consumer needs.

  • Rewards rate: Earn 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel.
  • Welcome offer: Earn $200 after spending $500 in the first three months.
  • Regular APR: 19.99% to 29.99% (Variable)
  • Annual fee: $0
  • Intro APR offer: 0% APR on purchases and transfers for 15 months, then 19.99% to 29.99% (Variable) after that.

Important Card Details

Navigating the landscape of credit card offerings can be overwhelming, with each card touting a unique set of benefits and potential drawbacks. Our detailed examination of the Capital One Quicksilver Cash Rewards Credit Card offers insights into its day-to-day value, sign-up incentives, redemption flexibility and travel-related perks, clarifying where it excels and areas where other options are better.

  • cashBack icon

    Cash Back Rewards

    When it comes to earning potential, the Capital One Quicksilver Cash Rewards Credit Card stands out. Its 1.5% cash back on every purchase ensures consistent reward accumulation, eliminating the guesswork often associated with fluctuating reward rates. This card also allows you to earn 5% cash back when booking hotels and car rentals through Capital One Travel. This rate is notably high, making the card an attractive choice for travelers.

  • noFee icon

    Fees

    One of the standout features of this card is its no annual fee offering. This means you can enjoy the card's benefits without any yearly cost. Additionally, globetrotters will appreciate the absence of foreign transaction fees, which can otherwise eat into your savings when traveling abroad.

  • noAnnualFee icon

    0% APR

    This card's introductory 0% APR for both purchases and balance transfers for 15 months is a game-changer, especially if you're eyeing a big purchase or looking to consolidate debt from high-interest cards. This period allows you to carry a balance without incurring interest, providing financial breathing room. However, always remember that after the introductory period, the variable APR can range from 19.99% to 29.99%. You will also have to pay a 3% fee on balance transfers.

  • rideshare icon

    Other Features

    Beyond its cash back and fee structure, this card goes the extra mile with perks, including complimentary Uber One membership credits for up to six months. For regular Uber users, this can lead to substantial savings. Plus, the card simplifies earning by eliminating the need for rotating categories or sign-ups to earn rewards. The fact that your earned cash back won't expire as long as the account remains active also ensures long-term flexibility in redeeming your rewards.

How the Capital One Quicksilver Cash Rewards Credit Card Compares

When choosing between credit cards, a side-by-side comparison can illuminate subtle differences and help determine which aligns best with your financial habits and goals.

How This Card Compares

creditCard icon
Capital One Quicksilver Cash Rewards Credit Card
  • Rewards rate: Earn 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel.
  • Welcome offer: Earn $200 after spending $500 in the first three months.
  • Regular APR: 19.99% to 29.99% (Variable)
  • Annual fee: $0
  • Intro APR offer: 0% APR on purchases and transfers for 15 months, then 19.99% to 29.99% (Variable) after that.
  • Best for: Intro APR on purchases, balance transfers and flat rewards.
creditCard1 icon
Citi® Double Cash Card
  • Rewards rate: Earn 1% cash back on general purchases (excludes gift cards) and 1% additional cash back as you pay off those purchases
  • Welcome offer: None
  • Regular APR: 19.24% to 29.24% (Variable)
  • Annual fee: $0
  • Intro APR offer: None
  • Best for: Individuals prioritizing consistent cash back on spending and payments without the hassle of tracking categories or an annual fee.

About Grace Pilling


Grace Pilling headshot

Grace Pilling is passionate about empowering readers to make informed financial choices to support their best lives, not a company’s bottom line. Prior to joining MoneyGeek as a senior content manager, Grace was a senior editor at CreditCards.com and Bankrate, where she focused on teaching people how to use credit cards wisely.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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