Quicksilver Rewards: Unlimited 1.5% Cashback and No Foreign Transaction Fees

Earn unlimited 1.5% cashback on all purchases, plus no annual fee and no foreign transaction fees for straightforward everyday rewards. Earn a $200 bonus after spending $500 in the first three months and enjoy 0% intro APR for 15 months on purchases and balance transfers.

Olena
By Olena | Sep 2, 2026 at 12:43 PM EST

The Bottom Line

4.7
BIG4CREDIT RANKING Our 5-star rating is based on Big4credit’s independent, data-driven scoring system. Each card is evaluated across multiple weighted categories – including rewards, fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections. Ratings are determined solely by our research and analysis and are never influenced by card issuers or advertisers. Read about our ranking system in the Credit Card Ranking & Methodology section.
This simple cashback card earns unlimited 1.5% cashback on all purchases, with no annual fee or foreign transaction fees. A $200 welcome bonus and 15 months of 0% intro APR add strong first-year value. The downside is that its ongoing 1.5% rate is no longer especially competitive, since many no-annual-fee cards now offer 2% back. Best for people who value simplicity and travel-friendly features over maximizing cashback.
Quicksilver Rewards
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Quicksilver Rewards
Annual fee:   $0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.49% - 28.49% Variable APR

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on Capital One Travel and Capital One Entertainment purchases, plus 1.5% cashback on all other purchases.

1.5% - 5% Cashback

Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.

$200

Pros and Cons

Pros:

  • Unlimited 1.5% cashback on all purchases
  • No annual fee
  • No foreign transaction fees
  • Sign-up bonus
  • Intro 0% APR on purchases and balance transfers
  • Extended warranty coverage

Cons:

  • Potential for high APR

Welcome Offer

Earn a $200 bonus after spending $500 in the first 3 months.

Rewards

  • 5% Cashback:
    • Capital One Travel.
    • Capital One Entertainment.
  • 1.5% Cashback on all other purchases.

Redemption Options

Flexible Redemption: Redeem rewards for cash, gift cards, travel, experiences, purchases at Amazon.com, PayPal checkout, and more.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: For 15 months from account opening.
  • Regular APR: After the introductory period, a variable APR of 18.49%, 24.49%, or 28.49% applies to purchases and balance transfers.
  • Intro Balance Transfer Fees: 3% of each transferred amount that posts to your account within the first 15 months of account opening, then 4% on future promotional balance transfers.
  • Regular Balance Transfer Fees: After the introductory period, balance transfers made at the standard purchase APR are not subject to a balance transfer fee.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Hertz Five Star® Status: Enjoy complimentary Hertz Five Star® status just for being cardholder. Skip the rental counter at selected locations, get access to a wider range of vehicle, and enjoy faster service and special upgrades when available.
  • Flight Price Drop Protection: If a flight price drops within 10 days of booking through Capital One Travel, you may receive up to $50 in travel credit.
  • Price Match Guarantee: Eligible bookings through Capital One Travel can be price-matched if a lower price is found.

Travel Protections

Travel Accident Insurance: Get automatic insurance for covered losses at no extra cost when you use your card to purchase your fare.

Travel & Emergency Assistance

Emergency Card Services: 24/7 assistance for emergency card replacement and cash advances if your card is lost or stolen.

Purchase Protections

Extended Warranty: Get extra warranty protection at no cost on eligible items you purchase with your card.

Lifestyle Perks

Concierge Service: Get 24/7 concierge assistance for dining, entertainment, and travel requests.

Convenience Features

  • Authorized Users: Add authorized users at no cost and earn rewards on their purchases.
  • Automatic Credit Line Reviews: Eligible accounts may be periodically reviewed for credit line increases based on eligibility and account history.

Nice Extras

  • Capital One Travel: Integrated travel booking portal with price prediction tools.
  • Entertainment Access: Capital One Entertainment® (presale ticket access and occasional exclusive events).
  • Capital One Café Perk: 50% off handcrafted drinks at Capital One Café locations.
  • Capital One Dining: Access to select restaurant reservations and curated dining experiences.

Shopping & Savings

  • Capital One Shopping: An online shopping tool that automatically applies available coupon codes to help you save at checkout.
  • Capital One Offers: Targeted merchant offers that may provide statement credits or bonus rewards on qualifying purchases. Offers vary by card and availability.

» MORE: Capital One Shopping Offers: Real Experience – What Works and What Doesn’t

Additional Features

  • Virtual Card Numbers: Make safer online payments without sharing your actual card number with merchants.
  • CreditWise by Capital One: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.
  • Card Lock: Instantly lock your card if it’s misplaced, lost, or stolen.

Ratings

  • Net Value & Cost Efficiency: 6.7/10
  • Rewards & Earnings Power: 9.3/10
  • Welcome Bonus Value: 8/10
  • First-Year Earning Boost: 0/10
  • APR & Interest Structure: 8.3/10
  • Simplicity & Transparency: 10/10
  • Perks, Benefits & Protections: 3.6/10
  • Issuer Credibility & Stability: 7/10
  • Installment & BNPL Features: 0/10
  • Eligibility & Approval Accessibility: 7.5/10

Big4Credit ratings are based on our independent analysis of each card’s features, value, fees, rewards, and benefits. Card issuers do not influence our ratings.

Customer Satisfaction

The Capital One Quicksilver Rewards Card received a 608 out of 1,000 score in the 2026 J.D. Power U.S. Credit Card Satisfaction Study, placing it below the average score for no-annual-fee rewards credit cards.

Terms and Conditions

Click Apply Now to see the terms and conditions.

EarnSmart Rewards Strategy

  • Discover it®: Earn 5% cashback on rotating quarterly categories (activation required), adding high-reward opportunities across categories like Amazon, groceries, gas, or PayPal purchases.
  • Savor Rewards: Earn elevated cashback on dining, groceries, and entertainment, covering key everyday spending categories beyond Quicksilver’s flat-rate rewards.

Capital One 360 Checking

Capital One bank accounts pair well with the Quicksilver® Rewards credit card for users who prefer to keep their banking and rewards setup within the same ecosystem. Capital One offers a simple, fee-free checking option that complements its credit card products.

  • Capital One 360 Checking is a popular no-fee checking account with no monthly maintenance fees and no minimum balance requirements. It now offers a $300 welcome bonus with qualifying direct deposits for new customers.

Capital One credit card customer service: 1-800-227-4825

» MORE: See Big4credit’s best cash back credit cards

The information about the credit cards has been collected independently by big4credit.com. The card details have not been reviewed or approved by the card issuer.

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