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Apply online for Capital One® Quicksilver® Cash Rewards Credit Card
About Our Ratings
Credit Needed
Excellent, Good

Capital One® Quicksilver® Cash Rewards Credit Card Review

Pros & Cons

  • Intro perks are good: $150 bonus after you spend $500 on purchase within the first 3 months, and a 0% intro APR for 9 months.
  • If you're a relatively light credit card user, Quicksilver is a great card, you won't have to worry about rotating categories and the 1.5% cash back on every purchase can really add up.
  • Visa Signature® benefits affords you a number of amenities such as 24/7 concierge assistance, travel upgrades and extended warranty on purchases.
  • The 0 interest intro period is relatively short at nine months, so if you anticipate needing longer to pay off your balance, you should shop for a card with a longer intro period.

Top Features

Cash Back on Gas
1.5%
Cash Back on groceries
1.5%
Cash Back on other
1.5%
Annual Fee
$0

Full Review

Curtis Arnold Editor-in-chief

Capital One® Quicksilver® Cash Rewards Credit Card Essentials

Rotating categories in some cash-back credit cards can seem like you're playing a game of roulette. One month you’ll be at the movies flicking kernels of popcorn into your mouth with a smile on your face knowing you’re getting 5 percent back on purchases at the theater, but next month it's only at home improvement stores you can earn those cash-back incentives. What are you going to do at a home improvement store? You can barely handle unclogging the toilet.

With the Capital One® Quicksilver® Cash Rewards Credit Card it doesn't matter where your purchases take you. You automatically earn 1.5 percent cash back on all your purchases, anywhere. And those points won't expire for the life of the account. That means you're good for milking some cash back from the movie theaters and, if you’re feeling brave enough, the home improvement store as well.

Capital One® Quicksilver® Cash Rewards Credit best features:

  • A consistent 1.5 percent cash back on all your purchases.
  • Receive a $150 bonus after spending $500 within your first three months.
  • An intro APR offer for nine months – you won't pay interest on purchases or balance transfers for the first nine months.
  • Receive a statement credit for 50 percent of your Spotify Premium subscription each month when you pay with your card (Through April 2018).
  • Complimentary concierge service, ready to help you around the clock.

What Our Editors Like Most About the Capital One® Quicksilver® Cash Rewards Credit Card

The Capital One® Quicksilver® Cash Rewards Credit Card is good for earning consistent 1.5 percent cash back without registering for quarterly promotions, which means it’s also your best bet if your purchasing habits don't fall into predictable patterns.

Because Capital One has reserved this version of its credit card for those with excellent credit, the bank can afford to load this account up with special benefits that stack up nicely against cards with annual fees and higher APRs. The Capital One® Quicksilver® Cash Rewards Credit Card gives you a full slate of member privileges, such as complimentary around the clock concierge assistance, extended warranty protection on your purchases and travel upgrades as part of your Visa Signature® benefits.

Many banks charge a premium annual fee for access to perks like these, and you'd easily pay hundreds of dollars a month for a virtual assistant who can help handle your travel requests.

It's also worth noting that the Quicksilver card, as with all Capital One offerings, charges no foreign-transaction fees on purchases made outside of the U.S., so feel free to take this card with you on your next adventure abroad. You’re also protected with fraud coverage and security alerts.

Potential Downsides of the Capital One® Quicksilver® Cash Rewards Credit Card®

While the Quicksilver is a no-gimmick card with a straight-and-to-the-point cash-back rewards structure, you can earn quite a bit more cash back with cards that offer rewards in rotating categories of up to 5 percent. You might be someone who does shop a lot at home improvement stores, does a lot of grocery shopping or fills up on gas frequently, so a card that rewards those purchases at a higher rate could certainly benefit you. The intro APR offer is slightly short – three months shy of a year - where other cash-back cards' APR offers stretch out over the course of a year or longer, so if you need a lengthy balance transfer offer or have a big purchase on the horizon you might want to look for another card with a longer intro period.

How the Capital One® Quicksilver® Cash Rewards Credit Card Compares to Other Cash-back Cards

Capital One® Quicksilver® Cash Rewards Credit Card vs. Chase Freedom®

Both cards come with no annual fee and intro APR offers; however, the Chase Freedom® boasts a 15-month intro APR on both purchases and balance transfers, much longer than the nine months offered by Quicksilver. But Chase Freedom will charge you 3 percent per transaction if you use the card while abroad.

Still, Chase Freedom® has an identical introductory cash bonus of $150 after you spend $500 during your first three months of opening an account.

Where the meat of the comparison falls is in each card's rewards. Chase Freedom® is a rotating-categories cash-back card that offers 5 percent cash back on up to $1,500 in purchases made in quarterly categories for which you must sign up. Once you reach that spending cap of $1,500, the cash back drops to a flat 1 percent, below the everyday earning rate of 1.5 percent with the Quicksilver. In the short term, you could reap higher rewards with Chase Freedom® if you're organized enough to spend in the rotating categories, but, if simplicity is what you value and you aren't willing to spend only in the bonus categories, the flat-rate Quicksilver is likely a better bet.

Capital One® Quicksilver® Cash Rewards Credit Card vs. Blue Cash Preferred® Card from American Express

Unlike the aforementioned Chase Freedom®, the Blue Cash Preferred® Card from American Express is a tiered-rate rewards card that gives cardholders the chance to earn 6 percent cash back at U.S. supermarkets (on up to $6,000 spent annually), 3 percent cash back at U.S. gas stations and select U.S. department stores and 1 percent on everything else (American Express is a CardRatings advertiser). That means that, if you spend in those categories, you stand to earn a lot of cash back with this card. That said, you don't want to spend too much in the grocery category – once you hit a $6,000 cap annually your rate falls to 1 percent cash back on every purchase. That means Quicksilver offers higher cash back once you cap out on your annual spending.

Additionally, the Quicksilver doesn't have an annual fee like the $95 the Blue Cash Preferred® Card from American Express charges.

Capital One® Quicksilver® Cash Rewards Credit Card vs. Chase Freedom Unlimited®

The Chase Freedom Unlimited® is somewhat of a sibling to the Quicksilver in terms of the rewards they both offer. Both allow cardholders to earn a flat rate of 1.5 percent cash back on all purchases and neither comes with an annual fee.

Where they differ is in the details surrounding their intro offers. The Chase Freedom Unlimited® has a far longer introductory 0 percent APR offer of 15 months on purchases and balance transfers as compared to Quicksilver’s offer of nine months. Chase Freedom Unlimited® also offers a chance to earn $150 dollars after spending $500 within three months of opening an account.

The Quicksilver Card does, however, beat out Chase Freedom Unlimited® for those who travel abroad often by not charging foreign transaction fees.

Who Should Get This Card?

It's hard to find a consistently stronger flat-rate cash-back credit card with no annual fee than the Quicksilver Card. This is a decent choice for the credit card user who wants an everyday card and doesn't want to have to keep up with rotating categories or even tiered reward levels. Plus, the Quicksilver Card travels well with its lack of foreign transaction fees.

Still, if your monthly credit card statement reads like the departures list at your favorite airport, you might prefer earning a higher rewards rate from a travel-oriented card like the Capital One® Venture® Rewards Card.

This page was last updated on October 17, 2017

This card compared to other cash back cards

Cash Back on Gas
1.5%
1-5%
Unlimited 1.5% cash back
Cash Back on Groceries
1.5%
1-5%
Unlimited 1.5% cash back
Cash Back on other
1.5%
Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
Unlimited 1.5% cash back
Purchase Intro
APR:
0% intro on purchases
Period:
for 9 months
APR:
0%
Period:
14 months
APR:
0% Intro APR on Purchases
Period:
for 15 months
Purchase APR
13.99% - 23.99% (Variable)
11.99% - 23.99% Variable 
15.99%-24.74% Variable 
CardRatings.com Editorial Staff

Capital One® Quicksilver® Cash Rewards Credit Card details

Purchase APR
13.99% - 23.99% (Variable)
Purchase Intro
APR:
0% intro on purchases
Period:
for 9 months
Balance Transfer Intro APR
0% intro on balance transfers
Balance Transfer Intro Period
for 9 months
Annual Fee
$0

What Capital One says about this 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
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • 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 9 months; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

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Highlighted offers
Currently available on the Capital One® Quicksilver® Cash Rewards Credit Card
$150 Cash Back
After you spend $500 on purchases within 3 months from account opening

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Apply online for Discover it® - Cashback Match™

Discover it® - Cashback Match™

  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Credit Needed:
Excellent, Good
Apply online for Chase Freedom Unlimited®

Chase Freedom Unlimited®

  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% 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
  • No annual fee
Credit Needed:
Excellent/Good