Capital One Quicksilver review

Quicksilver is the plainest card on this list, and that is the point. Capital One pays unlimited 1.5% cash back on every purchase, every day, with no annual, hidden or foreign transaction fees. Hotels, vacation rentals and rental cars booked through Capital One Travel earn 5%, as do Capital One Entertainment purchases. New cardholders can earn a one-time $200 cash bonus after spending $500 on purchases within 3 months, and the card has a 0% intro APR for 15 months on purchases and balance transfers, then 18.74% to 28.74% variable. Rewards do not expire for the life of the account and can be redeemed for any amount as statement credits, gift cards or travel, or used at PayPal and Amazon.com checkout. You also get CreditWise credit monitoring, extended warranty on eligible items and the ability to lock the card in the app. The trade-off is the rate: Active Cash and Double Cash pay 2% on the same spending, so Quicksilver mainly makes sense if you want one simple card that also works abroad without fees.

Who it is for

People who want the simplest possible card, including for travel abroad.

Price

$0 annual fee.

Earn unlimited cash back with no annual, hidden or foreign transaction fees.
Quoted from the vendor pricing page on November 8, 2026.

Key features

• Unlimited 1.5% cash back on every purchase
• 5% on hotels, vacation rentals and rental cars through Capital One Travel and 5% on Capital One Entertainment
• $200 cash bonus after $500 on purchases within 3 months
• 0% intro APR for 15 months on purchases and balance transfers
• No annual, hidden or foreign transaction fees

Strengths and weaknesses

• Strength: Nothing to track: one rate on everything
• Strength: No foreign transaction fees
• Strength: Long 15 month intro APR
• Weakness: 1.5% earns less than the 2% flat cards
• Weakness: No higher everyday categories such as groceries or dining
• Weakness: Highest rates require Capital One portals

Key facts

• Annual fee: $0
• Cash back: Unlimited 1.5% on every purchase
• Welcome bonus: $200 after $500 in 3 months
• Intro APR: 0% for 15 months on purchases and balance transfers
• Foreign transaction fee: None

Where it ranks

Capital One Quicksilver is No. 8 in our Best Cash Back Credit Cards verdict.