Capital One Quicksilver Cash Rewards Credit Card Review
April 15, 2026
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2 min
Capital One Quicksilver Cash Rewards Credit Card Summary
Capital One was founded in Richmond, Virginia, in 1994. It’s currently one of the largest banks in the United States. The Capital One Quicksilver Cash Rewards credit card requires a very strong credit score, but it provides unlimited 1.5% cash back on all purchases and 5% back on hotels and car rentals booked with Capital One Travel. Other benefits include zero foreign transaction fees, $0 fraud liability, and no annual fee.
Capital One Quicksilver Cash Rewards Credit Card Pros & Cons
Pros
Generous 1.5% cash back on any and all purchases
No annual fee
Cons
Good to excellent credit required
3% balance transfer fee for the first 15 months
Capital One Quicksilver Cash Rewards Credit Card at a glance
10
Editorial scoreFees
$0 annual fee, 3% fee on the amounts transferred within the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time
10.0
APR
18.49% - 28.49% (Variable)
10.0
Overview
This is a good card for those with good to excellent credit, and it provides several great features like no annual fee and 1.5% cash back on all purchases (See Rates & Fees). Plus - Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening), and 0% intro APR for 15 months; 18.49% - 28.49% variable APR after that.
Suitable For?
This card is great if you have good to excellent credit and want a rewards card with no cap on the amount you can earn. Whether you make a single purchase or a hundred, you’ll get 1.5% cash back on all of them. It’s also a good choice for those who don’t want to pay an annual fee.
In addition, travelers can benefit from this card, as it provides 5% cash back when you rent a vehicle or book hotels and vacation rentals through Capital One Travel.
Interest Rates and Fees
The interest rate is 18.49% - 28.49% Variable based on your creditworthiness. There’s no annual or foreign transaction fee, but there’s a 3% balance transfer fee during the first 15 months ($0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you), a cash advance fee of 5% of the amount of the cash advance, but not less than $5, and a late payment fee of up to $40 (See Rates & Fees).
| Interest rate | 18.49% - 28.49% Variable |
Annual fee | $0 |
Balance transfer fee | 3% for the first 15 months; $0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you |
Foreign transaction fee | $0 |
Cash advance fee | 5% of the amount of the cash advance, but not less than $5 |
Late payment penalty fee | Up to $40 |
Rewards and Cash Back
A flat 1.5% cash back on every purchase, plus 5% back on hotels, vacation rentals and car rentals through Capital One Travel. These rewards won’t expire for the life of the account.
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
Conclusion
A simple and stellar cashback card that provides 1.5% cash back on all purchases and has no annual fee (See Rates & Fees). Applying for the card online is easy and quick, and Capital One takes your security seriously. While it requires excellent credit, this card is a good choice for those who qualify. The generous welcome bonus, introductory APR, and travel cashback also help this card stand out.
Methodology
This review was created from information available on the Capital One website.
Editorial disclosure: Opinions, reviews, analyses & recommendations are the author's alone, and have not been reviewed, endorsed or approved by any of these entities.
Editorial disclosure: The credit card offers and information presented on this page are current as of the published date. However, credit card terms, including APRs, fees, and promotional offers, are subject to change without notice. Some offers listed may no longer be available or may have expired. Please refer to the issuer's website for the most up-to-date terms and conditions.
FAQs
What credit score do you need for this card?
We recommend applicants have a good to excellent credit score, which generally means 670 or higher. Keep in mind that your score is only one factor that the team considers, and having this score won’t always mean you automatically qualify. Other factors companies may consider are your actual credit history, income, and the level of debt you have.
Can you transfer rewards?
Yes, you can.
Written byKale Havervold
Kale Havervold is a personal finance writer at BestMoney.com, specializing in business and personal loans. He has contributed to Yahoo, Hardbacon, and Loans Canada. Kale’s easy-to-digest, research-driven articles reflect his passion for helping readers make informed financial decisions.