The Capital One Quicksilver Cash Rewards Credit Card is a good option if you value the simplicity of earning a flat rate on all your purchases. You’ll get 1.5% cash back on nearly every purchase, without a bunch of bonus categories to remember or spending limits to keep track of. Show
The card features other attractive benefits as well, including a solid sign-up bonus, an introductory 0% APR period and low fees. And if you don’t mind managing multiple cards, you can pair it with a tiered-rewards or rotating bonus card to maximize your earnings. However, there are a number of flat rate cards on the market that will out-earn the Capital One Quicksilver Cash Rewards Credit Card. 🤓Nerdy Tip Capital One offers a suite of Quicksilver-branded cards for different kinds of consumers. This page describes the standard Quicksilver, which is for people with good to excellent credit. There are also cards designed for good credit, fair or average credit and for college students, as well as a secured version for those looking to build credit. Capital One Quicksilver Cash Rewards Credit Card: Basics
Benefits of the Capital One Quicksilver Cash Rewards Credit CardSimple rewards earning and redemptionThose who value simplicity will appreciate the straightforward 1.5% cash back rewards on the Capital One Quicksilver Cash Rewards Credit Card. And the ease of use doesn't apply only on the rewards-earning side. While many competitors require you to amass as much as $25 in rewards before you can cash out, the Capital One Quicksilver Cash Rewards Credit Card doesn't have a minimum redemption amount. You’ll be able to redeem your cash back for any amount and at any time. Sign-up bonusThe only thing better than earning cash is earning it with minimal effort. The Capital One Quicksilver Cash Rewards Credit Card has a solid sign-up bonus with a fairly low spending requirement to earn it — meaning you're less likely to feel pressured to overspend. 0% intro APR offerThis card features an introductory APR of 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 17.99%-27.99% Variable APR; 3% fee on the amounts transferred within the first 15 months. The lengthy window for purchases and balance transfers can offer some breathing room on interest payments and can help those who need to make a big purchase or pay down transferred debt. Keep in mind that there is a 3% fee charged for each balance transferred, so it's important to weigh that cost against current long-term interest payments to determine the best course. Low feesThe Capital One Quicksilver Cash Rewards Credit Card is a good option for the fee-averse. It charges an annual fee of $0. And because it has no foreign transaction fees, it can be a good option to take with you when traveling internationally. Drawbacks and alternativesYou can get a higher flat rateThe Capital One Quicksilver Cash Rewards Credit Card set the 1.5% standard for an entire generation of cash-back credit cards. But nowadays, there are a growing number of cards on the market that offer a flat rate of at least 2% back. For example, the Wells Fargo Active Cash® Card pays an unlimited 2% cash back on purchases. And like the Capital One Quicksilver Cash Rewards Credit Card, it features a sign-up bonus as well as an introductory interest-free period on purchases and balance transfers: 0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers, and then the ongoing APR of 18.74%, 23.74%, or 28.74% Variable APR. Limited opportunities for bonus rewardsThe card only earns more than 1.5% for a very specific type of purchase through the issuer: 5% cash back on hotels and rental cars booked through Capital One Travel. Otherwise, it earns 1.5% on everything. Flat-rate rewards are ideal for people with varied spending habits. However, if you spend a significant chunk of your budget in specific spending areas, like gas and groceries for example, consider a card that specifically rewards these types of transactions. The $0-annual-fee Blue Cash Everyday® Card from American Express, for instance, earns 3% cash back at U.S. supermarkets, at U.S. gas stations and on U.S. online retail purchases (on up to $6,000 per year in spending in each category). Other purchases earn 1% back. (Terms apply — see rates and fees.) If you spend a lot at the supermarket, take a look at the Blue Cash Preferred® Card from American Express. It charges a $0 intro annual fee for the first year, then $95. Still, it packs richer rewards: 6% cash back at U.S. supermarkets, on up to $6,000 a year in spending (then 1%); 6% cash back on select U.S. streaming subscriptions; 3% cash back at U.S. gas stations and on transit; and 1% cash back on all other purchases. These cards also include welcome offers for new cardholders and 0% introductory APR periods. (Terms apply — see rates and fees.) Both of these cards earn 5% cash back in categories that change every three months; you have to opt in to the category each time it changes. The 5% cash back is good on up to $1,500 per quarter in spending. All other spending earns 1% cash back. The current bonus categories for both cards can be found here. Should I get the Capital One Quicksilver Cash Rewards Credit Card?The Capital One Quicksilver Cash Rewards Credit Card is a simple and easy-to-use option. Although the card doesn't pay the highest flat cash-back rate on the market, it offers a compelling combination of rewards and redemption simplicity, low fees, sign-up bonus and 0% APR period. But if what you mostly care about is a card's ongoing rewards rate, you can find richer options. To learn more about how your cash-back credit card options might stack up, check out our best credit cards page. To view rates and fees of the Blue Cash Preferred® Card from American Express, see this page.To view rates and fees of the Blue Cash Everyday® Card from American Express, see this page. Is Discover it or Capital One Quicksilver better?Since there's no cap on the amount of rewards you can earn and get matched, the Discover card is the clear winner here. However, if you want a straightforward, predictable welcome bonus — or if you don't think you'll earn at least $100 in cash back by the end of your first year — the Quicksilver is your card.
Which one is better Capital One or Discover?Discover credit cards can be a better choice for credit newcomers since they are easier to upgrade and come with a free FICO Score. Capital One, on the other hand, is the only one that offers a premium travel credit card with luxury perks.
What Capital One card is better than Quicksilver?The Capital One Venture Rewards Credit Card is the winner over the Capital One Quicksilver Cash Rewards Credit Card. Capital One Venture is a better credit card than Capital One Quicksilver because it offers uniquely valuable travel rewards at a worthwhile price.
Is it worth it to upgrade to Capital One Quicksilver?Welcome Offer
A card that earns 1.5% cash-back for everything is more your speed. That's why you should consider the Capital One Quicksilver Cash Rewards Credit Card. You'll never waste your time with changing categories, and there's no limit to the cash-back you can earn.
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