Capital One Quicksilver Cash Rewards Credit Card

Pros & Cons

Pros

+Welcome Bonus: $200
+Purchase protection included
+No annual fee

Cons

—

Our Review

Earn Unlimited Cash Back with the Capital One Quicksilver® Cash Rewards Credit Card

1.5% unlimited cash back on every purchase—no categories to track, no caps
$200 one‑time cash bonus after spending $500 in the first 3 months
0% intro APR on purchases and balance transfers for 15 billing cycles (transfers must post within 45 days)
No annual fee
No foreign transaction fees
Easy redemption—apply rewards as a statement credit, check or gift card anytime

Simplify your rewards with a straightforward 1.5% back on everything you buy—whether it’s everyday essentials or big‑ticket purchases. Kickstart your earnings with a quick $200 bonus and take advantage of a lengthy interest‑free period to manage larger expenses or consolidate balances. Manage your account effortlessly in the Capital One mobile app, lock your card instantly if misplaced, and enjoy peace of mind with zero minimum redemption thresholds and transparent, no‑fee structures.

Terms apply. Variable APR after intro period: 19.24%–29.24%. Balance transfer fee: 3% of each transfer (min $5). See issuer for full details.

Rewards

All Spending

1.5x

Cash Back pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Your point valuation¢/ point

0.50¢3¢

Groceries1.5x

$700/mo

Gas & EV1.5x

$200/mo

Transit1.5x

$100/mo

Restaurants1.5x

$300/mo

Pharmacy1.5x

$50/mo

Travel1.5x

$150/mo

Bills & recurring payments1.5x

$250/mo

Telecom1.5x

$150/mo

Entertainment & streaming1.5x

$100/mo

Office supplies1.5x

$0/mo

All other spending1.5x

$500/mo

Points Earned

45,000

Cash Back/yr

Estimated Value

$450

After Fees

+$450

1st Year Value

$452

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 1.5x12,600 pts

Gas & EV$2,400/yr × 1.5x3,600 pts

Transit$1,200/yr × 1.5x1,800 pts

Restaurants$3,600/yr × 1.5x5,400 pts

Pharmacy$600/yr × 1.5x900 pts

Travel$1,800/yr × 1.5x2,700 pts

Bills & recurring payments$3,000/yr × 1.5x4,500 pts

Telecom$1,800/yr × 1.5x2,700 pts

Entertainment & streaming$1,200/yr × 1.5x1,800 pts

All other spending$6,000/yr × 1.5x9,000 pts

Total annual spend$30,000

Total monthly spend$2,500

Average earn rate on spend per year1.5x

Total points earned45,000 pts

Value of points accumulated in the first year≈ $450

Perks & Benefits

Concierge

24/7

Additional Benefits

$0 annual fee. Rewards do not expire for the life of the account and you can redeem cash back for any amount. Redeem for cash as a check or a statement credit, cover a recent purchase with your cash back, or spend rewards on gift cards. Redeem from your online account or the Capital One mobile banking app. No foreign transaction fees on purchases made outside of the United States.

Travel Insurance

Trip Cancellation

Up to $1,500

Trip Interruption

Up to $1,500

Delayed Baggage

Up to $300

Lost Baggage

Up to $3,000

Travel Accident

Up to $1,000,000

Purchase Protection

Up to $1,000 / 90 days

Extended Warranty

+1 years

Auto Rental Collision (secondary, primary abroad)

Included

Price protection

Included

View the insurance certificate (PDF)

Terms & Conditions

Card Features

Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.24% – 29.24% variable APR after that; balance transfer fee applies