Capital One Quicksilver Cash Rewards
Quicksilver earns a flat 1.5% cash back on every purchase with no annual fee, a one-time $200 bonus after $500 in spend, and 0% intro APR for 15 months on purchases and balance transfers. It's the definition of a simple, no-fuss cash-back card from Capital One, N.A.
Is the Capital One Quicksilver Cash Rewards worth it?
The Capital One Quicksilver is the card you reach for when you don’t want to think about rewards categories. It earns a flat 1.5% cash back on every purchase, with no annual fee and no caps — what you see is what you earn.
The extras make it more than a baseline card: a one-time $200 cash bonus after $500 in spend within three months, and 0% intro APR for 15 months on both purchases and balance transfers (after which the variable APR is 18.49%–28.49%, as of 05/30/2026). It’s issued by Capital One, N.A., which we confirmed is an active FDIC institution (cert #4297).
The honest limit: a flat 1.5% is beaten by category cards if you spend heavily on dining or groceries — Capital One’s own Savor earns 3% there. But for everything-else spending, simplicity, and a genuine 0% window, Quicksilver is hard to fault. Rates, fees, and offers are variable and can change; this is not financial advice; confirm current terms on Capital One’s site before applying.
How does a rewards credit card work?
A rewards credit card earns a percentage back on what you spend, which the issuer credits as cash back, points, or miles. You pay no interest if you clear the statement balance each month; carry a balance and the variable APR applies. The card reports your payment history to the credit bureaus.
What does the Capital One Quicksilver Cash Rewards cost if you carry a balance?
Carrying a $1,000 balance at the 18.49% minimum APR costs roughly $185 a year in interest. That is why a rewards card only pays off if you clear the statement balance every month — interest at this rate quickly outruns any rewards.
Illustrative estimate based on the figures on this page, not an offer. Your results will differ.
What are the pros and cons of the Capital One Quicksilver Cash Rewards?
The Capital One Quicksilver Cash Rewards stands out for flat 1.5% cash back on every purchase, no caps, though flat 1.5% trails category cards for heavy dining/grocery spenders.
- Flat 1.5% cash back on every purchase, no caps
- $0 annual fee
- 0% intro APR for 15 months on purchases and balance transfers
- Flat 1.5% trails category cards for heavy dining/grocery spenders
- After the intro period, APR is 18.49%–28.49% variable
- Balance transfer fee applies
Who should get the Capital One Quicksilver Cash Rewards?
The Capital One Quicksilver Cash Rewards is best for people who want flat-rate cash back with zero category tracking.
- People who want flat-rate cash back with zero category tracking
- Anyone who wants a no-annual-fee card with a sign-up bonus
- Cardholders who want a 0% intro window for a purchase or transfer
How does the Capital One Quicksilver Cash Rewards compare?
Among the 15 cash-back credit cards we track, the Capital One Quicksilver Cash Rewards ranks #9 with a money8020 score of 93/100.
| Product | Score | Tier | Provider |
|---|---|---|---|
| Chase Freedom Flex® | 100 | Essential | JPMorgan Chase |
| Chase Freedom Unlimited® | 100 | Essential | JPMorgan Chase |
| Blue Cash Everyday® Card from American Express | 99 | Essential | American Express |
| Citi Double Cash® Card | 99 | Essential | Citibank |
| Discover it® Cash Back | 99 | Essential | Discover |
See all cash-back credit cards, ranked →
Common mistakes to avoid with a rewards credit card
- Carrying a balance — interest at the regular APR quickly erases any rewards.
- Chasing a sign-up bonus with spending you cannot pay off in full.
- Missing the intro-APR deadline and getting hit with the full variable rate.
- Overlooking an annual fee that outweighs the rewards for your spending.
Key takeaways
- Capital One Quicksilver Cash Rewards earns a money8020 score of 93/100, ranking #9 of 15 cash-back credit cards.
- Flat 1.5% cash back on every purchase, no caps
- Carrying a $1,000 balance at the 18.49% minimum APR costs roughly $185 a year in interest.
- Best for people who want flat-rate cash back with zero category tracking.
- Rate and FDIC status fetched from Capital One and corroborated against a regulator.
Frequently asked questions about the Capital One Quicksilver Cash Rewards
Does the Quicksilver card have an annual fee?
No. Per Capital One, the Quicksilver Cash Rewards card has a $0 annual fee. It earns a flat 1.5% cash back on every purchase and offers 0% intro APR for 15 months on purchases and balance transfers, after which the variable APR is 18.49%–28.49% (as of 05/30/2026).
What is the Quicksilver sign-up bonus?
Per Capital One, you can earn a one-time $200 cash bonus after spending $500 on purchases within the first 3 months of account opening. Cash back does not expire for the life of the account, and there are no rotating categories to activate.
Will applying for the Capital One Quicksilver Cash Rewards hurt my credit score?
Applying triggers a hard inquiry, which can dip your score a few points temporarily. Used responsibly — paying on time and keeping balances low — the card builds your credit over time.
Do the rewards on the Capital One Quicksilver Cash Rewards expire?
On most cards, rewards do not expire while the account is open and in good standing, though terms vary. Redeem regularly and check the issuer's rewards policy.
Sources
We fetched these figures from the provider and corroborated them against a regulator, last checked May 30, 2026. Primary sources: