Capital One Quicksilver Cash Rewards
Unlimited flat 1.5% cash back on every purchase with no annual fee and a 0% intro APR.
Why it ranks
- No annual fee
- No foreign fee
- Simple rewards
What holds it back
- Higher flat-rate cards exist (2%)
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
Unlimited flat 1.5% cash back on every purchase with no annual fee and a 0% intro APR.
Capital One Quicksilver Cash Rewards at a glance
| Issuer | Capital One |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | One-time cash bonus after minimum spend |
| Rewards rate | 1.5% on all purchases, 5% on hotels & cars via Capital One Travel |
| Intro APR | 0% intro APR on purchases & balance transfers for 15 months |
| Regular APR | 19.99%–29.99% variable |
| Foreign transaction fee | None |
| Credit needed | Good (690+) |
| Best for | Anyone who wants simple flat-rate cash back with no fee |
| Airport lounge access | No |
Rewards & benefits
- Unlimited 1.5%
- No foreign transaction fee
- 0% intro APR
Eligibility & who it suits
- Good credit score
How to apply
Check current rates on Capital One’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | COCapital OneQuicksilver Cash RewardsNo annual fee · US Capital One Quicksilver Cash RewardsAnyone who wants simple flat-rate cash back with no fee |
None | 1.5% on all purchases, 5% on hotels & cars via Capital One Travel | One-time cash bonus after minimum spend | None | Good (690+) | |
| 2 | CChaseFreedom UnlimitedNo annual fee · US Chase Freedom UnlimitedEveryday spenders who want simple cash back and pair it with Chase points |
None | 5% travel via Chase, 3% dining & drugstores, 1.5% all other purchases | Extra cash back in the first year on bonus spend | 3% | Good (690+) | |
| 3 | AEAmerican ExpressBlue Cash Preferred$95/yr · US Blue Cash Preferred Card from American ExpressFamilies with high grocery and streaming spend |
$95/yr | 6% U.S. supermarkets (up to $6k/yr), 6% select U.S. streaming, 3% transit & U.S.… | Statement-credit welcome offer | 2.7% | Good to Excellent (700+) | |
| 4 | CChaseFreedom FlexNo annual fee · US Chase Freedom FlexPeople who can track and activate rotating 5% categories |
None | 5% rotating quarterly categories (activation required), 5% travel via Chase, 3%… | Cash bonus after the minimum spend | 3% | Good (690+) |
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