Quicksilver®: Unlimited 1.5% Cashback on All Purchases with 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.
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.
The Capital One Quicksilver® Credit Card is a simple and beginner-friendly flat-rate cashback card that works well for everyday spending. It earns unlimited 1.5% cashback on all purchases with no rotating categories, activation requirements, or reward caps, making it easy to use and predictable. The card also stands out among no-annual-fee cashback cards by offering no foreign transaction fees, which makes it a good option for international purchases or travel. The $200 welcome bonus and 15 months of 0% intro APR can add solid first-year value as well. The main drawback is that the ongoing 1.5% cashback rate is no longer especially competitive, since many other no-annual-fee cards now offer 2% cashback on all purchases. As a result, this card works best for people who value simplicity, travel-friendly features, and straightforward rewards more than maximizing cashback rates.
Quicksilver®
Apply now
On Capital One's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
18.49% - 28.49% Variable APR
Credit Score
740-850 (Excellent)
Rewards Earn 5% cashback when you book hotels, vacation rentals, and rental cars through Capital One Travel. Additionally, earn 5% cashback on 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
Welcome Offer
- Earn a $200 bonus after spending $500 in the first 3 months.
Rewards
- 5% Cashback on Hotels, Vacation Rentals, and Rental Cars booked through Capital One Travel.
- 5% Cashback on 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.
- Regular Balance Transfer Fees: 4% of each transfer amount for balance transfers made after the introductory period ends.
- 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.
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
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. 👉 Learn more about Discover it®.
- Savor Rewards: Earn elevated cashback on dining, groceries, and entertainment, covering key everyday spending categories beyond Quicksilver’s flat-rate rewards. 👉 Learn more about Savor Rewards.