Credit card directory

Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards card has no annual fee and pays a flat 1.5% cash back on every purchase, with 5% on hotels, rental cars, vacation rentals and activities booked through Capital One Travel and 5% on Capital One Entertainment. No foreign transaction fee applies.

Facts read from the Capital One official Quicksilver card page on October 22, 2026. How we check them: methodology.

Earn rates, as the issuer prints them

There are no everyday categories, so the return is easy to predict: $1.50 back on each $100 outside the two 5% lines. That rate sits below the 2% flat rates on the Wells Fargo Active Cash and Citi Double Cash in this directory and matches the floor on the Chase Freedom Unlimited, which adds dining and drugstore lanes. What Quicksilver has that those three lack is a zero foreign transaction fee; each of them charges 3%.

A year of spending on this card, worked out

Arithmetic illustration with stated inputs: $1,500 a month of purchases returns $270 a year at 1.5%. A $2,000 trip abroad on this card costs no foreign transaction fee and returns $30. The same trip on a 2% card with a 3% foreign transaction fee returns $40 but costs $60 in fees, a net $20 loss against Quicksilver's $30 gain.

Welcome offer as published

As published on the issuer page: $200 cash bonus after you spend $500 on purchases within 3 months of opening the account.

The $200 cash bonus needs $500 in purchases within three months, about $167 a month, identical to the Savor offer on the page checked. At 1.5%, the qualifying $500 earns $7.50, so a cardholder who meets it with ordinary spending ends the window $207.50 ahead, with no fee to subtract. Because the card has no categories, the bonus is the one part of the first year that does not depend on where you spend.

Who this earn structure suits

Spenders who want one flat rate on everything with no categories, caps or annual fee, and who occasionally book travel through Capital One Travel for the 5% rate. The flat 1.5% is lower than the 2% flat cards in this directory, which is the trade for this card's simpler structure.

The traps to check in your account

• Capital One sets the redemption options and minimums; confirm them in your account.
• The 5% lines apply only to bookings through Capital One Travel and purchases through Capital One Entertainment; everything else earns 1.5%.
• Interest on a carried balance can outweigh the rewards, so the earn table assumes you pay in full.