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Card reviewCapital One
Updated Jul 31, 2026 · research
Quicksilver from Capital One card art
Capital OneCapital One Cash Rewards

Quicksilver from Capital One

Earn unlimited 1.5% cash back on every purchase. Plus, earn a $200 cash bonus.

Entry LevelPersonal
Mastercard
Credit profile: excellent
$0
Annual fee
1.5% back all purchases
Top rate
None
Foreign fee
N/A
Rating

Current Welcome Offer

Earn $200

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Card Offers

public

Earn $200

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Earning Rates

All purchases
1.5%cash back

unlimited

All Purchases
1.5%cash back

Earn unlimited 1.5% cash back on every purchase.

Pros & Cons

Pros

  • Earns unlimited 1.5% cash back on all purchases with no category restrictions
  • No annual fee keeps the card cost-free for everyday use
  • No foreign transaction fees makes the card usable internationally
  • $200 welcome bonus is attainable with a modest $500 spend requirement in 90 days

Cons

  • Flat 1.5% rate offers no bonus categories for higher earning on common spend like dining or groceries
  • No travel-specific perks such as lounge access, travel credits, or trip protections
  • Cash advance APR of 29.99% is high and cash advances begin accruing interest immediately

Key Takeaways

  • Earns a flat, unlimited 1.5% cash back on every purchase with no annual fee
  • New cardholders can earn a $200 bonus after spending $500 in the first 90 days
  • No foreign transaction fees make it viable for international use
  • Cash back never expires and there is no earning cap

Fees

Fee TypeAmount
Annual Fee$0
Foreign Transaction Fee0%

Card Benefits

1 benefits

Other Insurance

Coverage Tier Legend

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

Hidden Gems

Virtual Card Numbers via Eno

Capital One's Eno assistant can generate virtual card numbers for online shopping, keeping your real card number out of merchant databases. Many cardholders are unaware this feature is available, and it adds a meaningful layer of security for digital purchases.

15-Month 0% Balance Transfer Window

The card's 15-month introductory 0% APR on balance transfers gives cardholders a meaningful runway to pay down existing debt interest-free. This benefit is often overlooked by those who think of the Quicksilver primarily as a cash back card.

Frequently Asked Questions

Does the Capital One Quicksilver have an annual fee?
No, the Capital One Quicksilver Cash Rewards Credit Card has no annual fee. This makes it a low-cost option for cardholders who want straightforward cash back rewards without an ongoing cost.
What cash back rate does the Quicksilver card earn?
The card earns unlimited 1.5% cash back on every purchase, every day. There are no rotating categories or spending caps to manage.
Is there a welcome bonus on the Quicksilver card?
Yes, new cardholders can earn a one-time $200 cash bonus after spending $500 within the first 90 days of account opening. This offer is available through the public product page.
Are there foreign transaction fees on the Quicksilver card?
No, Capital One does not charge foreign transaction fees on the Quicksilver card. This makes it a usable option for purchases made outside the United States.
Does cash back expire on the Quicksilver card?
No, cash back earned on the Quicksilver card does not expire for the life of the account. There is also no limit to how much cash back you can earn.
What credit score is needed to qualify for the Quicksilver card?
Capital One recommends good credit for applicants seeking the Quicksilver card. Individual approval decisions may vary based on a range of factors beyond credit score alone.
What is the balance transfer fee and APR on the Quicksilver card?
The card offers a 0% introductory APR on balance transfers for the first 15 months. After the introductory period, the balance transfer APR ranges from 19.74% to 29.74% based on creditworthiness.
What fraud protection does the Quicksilver card offer?
The Quicksilver card includes $0 fraud liability, meaning cardholders are not responsible for unauthorized charges. Capital One recommends reporting any unauthorized activity promptly.
What is Capital One CreditWise and is it included with the Quicksilver card?
CreditWise is Capital One's free credit monitoring tool that allows cardholders to track their credit score and monitor their credit report. It uses VantageScore 3.0 from TransUnion, which may differ from scores lenders use in approval decisions.

About This Card

This card is best for consumers with good credit who want a simple, no-annual-fee cash back card with a flat earning rate and no category tracking. It also suits occasional international travelers who want to avoid foreign transaction fees.

Quicksilver from Capital One offers unlimited 1.5% cash back on every purchase. It features a $200 cash bonus for new cardmembers and allows checking eligibility with no credit score impact.

Ready to Decide?

Apply for the Quicksilver from Capital One

Earn $200 with no annual fee.

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Rewards program

Capital One Cash Rewards

Earns Cash Back

Card Categories

Cash backNo Annual FeeNo Foreign Transaction FeeEveryday spending

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