The Capital One® Quicksilver® Cash Rewards Credit Card is a top cash back credit card that pays an unlimited 1.5% cash back on all purchases. There's no need to keep track of rotating categories with this card. Plus, it doesn’t have a complicated rewards structure. And it doesn’t charge fees for every little thing.
New applicants can earn a $150 cash bonus when you spend at least $500 within the first 3 months. This card does not charge an annual fee. In addition, you can redeem your cash back for any amount at any time.
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Capital One Quicksilver Cash Rewards Card Summary
 With the Capital One® Quicksilver® Cash Rewards Credit Card: • One-time $150 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 • 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 for 15 months; 16.24%-26.24% variable APR after that • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months • Pay no annual fee or foreign transaction fees |
Earn An Unlimited 1.5% Cash Back
Earn a flat, uncapped 1.5% cash back on all purchases. Your cash back won't expire for the life of the account.
Redeeming Cash Back
Cash back rewards are also easy to redeem.
Manually redeem accumulated rewards in any amount for statement credits, gift cards, or checks.
Or, schedule automatic redemptions that are triggered when you pass a specified cash back increment. Minimum automatic redemptions start at $25.
Cardholder Perks
As a Capital One Quicksilver cardholder, you can access a number of general benefits. This includes 24/7 concierge service and travel booking assistance, 24/7 emergency card replacement for lost or compromised cards, and VIP/priority access to events such as sporting contests and special golf outings. Other benefits include:
- No Foreign Transaction Fees: maximize cash back earnings while traveling abroad.
- Free Credit Score and Credit-Building Tools: Access a free credit score on-demand (and with your card statement every month). Plus, use Capital One CreditWise to find some useful credit-building and credit-tracking tools.
- Travel Accident Insurance: Get insurance for death or dismemberment at no extra charge when you purchase airfare using your card.
- Auto Rental Insurance: Enjoy secondary collision and theft insurance for you and all additional drivers on your agreement.
- Extended Warranty: Earn an additional warranty protection when you purchase items your card.
- Price Protection: Get reimbursed the difference if the price drops on eligible items within 60 days of purchase.
Conclusion
The Capital One® Quicksilver® Cash Rewards Credit Card is known for its simplicity and accessibility. It's similar to the Chase Freedom®. However, they aren't as easy to use due to their reliance on rotating spending categories and other gimmicks. Though, that's not to say that the Chase cards don't have a place in your wallet. Many cash back cards are limiting themselves to cash back categories that many consumers will use, thus emphasizing that simplicity and minimizing hassle.
The Capital One Quicksilver Cash Rewards Credit Card offers 1.5% cash back on all purchases. Thus, it's best to pair it up with another card that offers a higher rewards rate on the categories you use the most. Then, when your higher-earning card only offers 1% cash back on the items you need to purchase, use the Capital One Quicksilver in its place to reap the higher 1.5% cash back reward. Check our credit card promotionsto find the perfect one that suits your needs.
Other Credit Cards To Consider
No-Annual-Fee Alternatives:
 With the Chase Freedom Unlimited® Card: • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases. • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum • No minimum to redeem for cash back • Cash Back rewards do not expire as long as your account is open • Free credit score, updated weekly with Credit JourneySM • No annual fee Learn More About This Card |
 With the American Express Cash Magnet® Card: • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. • Unlimited 1.5% Cash Back on your purchases. • Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise. • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%. • $0 plan fees for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee. • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018. • No Annual Fee. • Terms Apply. • See Rates & Fees |
 With the Chase Freedom® Card: • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! • Unlimited 1% cash back on all other purchases - it's automatic • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5. • No annual fee • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. • Free credit score, updated weekly with Credit JourneySM Learn More |
 With the Capital One® VentureOne® Rewards Card: • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture • Transfer your miles to over 12 leading travel loyalty programs • Fly any airline, stay at any hotel, anytime • Enjoy a low intro APR on purchases for 12 months; 14.24%-24.24% variable APR after that • Travel when you want with no blackout dates • No foreign transaction fees • Miles won't expire for the life of the account and there's no limit to how many you can earn |
 With the Blue Cash Everyday® Card from American Express: • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases. • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%. • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018. • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise. • No annual fee. • Terms Apply. • See Rates & Fees |
Learn more about this card and find out how you can apply here.
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