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Capital One Quicksilver Cash Rewards Critical Analysis
Last Updated Sep 12, 2023 by Megan Feranda
Quick and Simple Rewards
If you have good to excellent credit and are looking for a low maintenance cash back card with a generous intro APR for purchases and balance transfers, then look no further. With no annual fee, this flat-rate cash rewards card is a great option for all your spending.
The Capital One Quicksilver Cash Rewards Credit Card is an excellent flat-rate cash back contender for those who value simplicity. This card offers other enticing benefits such as a solid sign-up bonus, and a lengthy intro APR on purchases and balance transfers. We dig into all the important details below.
Card Details From Capital One
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
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
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; 19.99% – 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Our Critical Analysis
Easily achievable cash bonus
Lengthy intro APR periods
No annual fee
No foreign transaction fee
Balance transfer fee
The Capital One Quicksilver Cash Rewards Credit Card offers a straightforward way to earn cash rewards while also providing an easily achievable cash bonus. You’ll earn an unlimited 1.5% cash back on every purchase, which means there are no sign-ups needed or rotating categories to worry about. You also have the opportunity to earn 5% cash back on hotels and rental cars when you book through Capital One Travel, which can help you get Capital Ones best prices on thousands of trip options.
Their one-time $200 cash bonus can be earned when you spend $500 on purchases within 3 months from account opening. This is a lower spending requirement than most cash back cards which means you can easily achieve this bonus with everyday purchases.
Getting approved for the Capital One Quicksilver Cash Rewards Credit Card also means you’ll get a 0% intro on purchases and balance transfers for 15 months, then 19.99% – 29.99% (Variable). There is a 3% balance transfer fee on the amounts transferred within the first 15 months (no fee for amounts transferred at the transfer APR) but this fee is usually worth it if you’re currently carrying a balance on another card that charges interest.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.