Key facts
Aside from bonus cash back when you book hotels and car rentals at Capital One Travel, which earns 5% cash back, this card earns 1.5% cash back on all purchases.
Annual Fee:
$0Min. Credit Score for Approval:
670-739 * GoodAPR on Purchases:
0 % Intro APR on purchases for 15 months, 19.99%-29.99% thereafterAPR on Balance Transfers:
0% Intro APR on balance transfers for 15 months, 19.99%-29.99% thereafterBalance transfer fees
Balance transfer fee appliesForeign Transaction Fee:
0%Reward multipliers
Aside from bonus cash back when you book hotels and rental cars booked through Capital One Travel, which earns 5% cash back, this card earns 1.5% cash back on all purchases.
Earns bonus points for spend in the following bonus categories:
Only when booked via the Capital One Travel Portal; otherwise earn 1.5X miles per dollar.
Estimated Rewards Value: 5%
Only when booked via the Capital One Travel Portal; otherwise earn 1.5X miles per dollar.
Estimated Rewards Value: 5%
Estimated Rewards Value: 1.5%
ALREADY HAVE THIS CARD?
Pair another card and boost your rewards
In some cases, adding cards from the same points system will increase your rewards by unlocking a higher point value based on the ability to transfer points to air or hotel partners. In other cases, the cards simply work together to earn more points with one bank or diversify your bonus category rewards across banks.
Key features
Unique Card Benefits
Uber Benefits
You’ll get a complimentary 6 months of Uber One membership (must be used by 11/14/2024).
Capital One Dining
Get access to exclusive reservations at restaurants plus access to tickets for culinary experiences.
Capital One Mobile App
Check your balances and more on the go, with the Capital One Mobile App
Complimentary Concierge Service
Get personal assistance with dining, entertainment and travel, 24/7.
0% Intro APR on Purchases
0 % Intro APR on purchases for 15 months, 19.99%-29.99% thereafter
0% Intro APR on Balance Transfers
0% Intro APR on balance transfers for 15 months, 19.99%-29.99% thereafter
Balance Transfer Fees: Balance transfer fee applies
Extended Warranty
With Extended Warranty protection, receive up to one additional year on eligible purchases with manufacturer warranties of three years or less with your Capital One Quicksilver credit card.
No Foreign Transaction Fees
As with all Capital One credit cards, there are no foreign transaction fees.
Secondary Car Rental CDW Waiver
The Quicksilver credit card provides CDW / LDW coverage if you book and pay for your car in full with your Quicksilver card, however, it is secondary to your own personal car’s insurance.
Trip Protections
This card lacks traditional trip protections like Trip Delay or Trip Cancellation, but it does include Travel Accident Insurance for a covered loss (there’s no extra charge) when you use your card to purchase your fare.
Free Access to Credit Score
Via Capital One’s Creditwise service.
Earn more rewards by combining credit cards
Pros & cons
- An easy 1.5% cash back on all purchases
- No foreign transaction fees and no annual fee
- 6 months of Complimentary Uber One as a statement credit, valid through 11/14/2024
- No bonus categories outside of using Capital One portals for hotels and car rentals
- Lacks a wide range of travel or shopping protections
- 1.5% is not the highest cash back offering on the market
Our review
The Capital One Quicksilver Cash Rewards Credit Card is perfect for someone that wants a simple cash back card (no need to remember which card to use for which bonus category and does a lot of international travel. While the Citi Double Cash card earns 2% cash back on everything, the Double Cash carries a foreign transaction fee of 3% of your purchase.
With Quicksilver, you will never pay any foreign transaction fees or annual fees, and you’ll earn a simple 1.5% cash back on everything. If you book travel via the Capital One Travel portal, you’ll earn 5% on hotels and rental cars (1.5% if booked outside of Capital One Travel).
Plus, you’ll get a small cash bonus when you meet the terms of the Early Spend Bonus with your new Quicksilver card.
You’ll also get 6 months of Uber One, which at $9.99 a month, is worth almost $60. Not bad when you’re not paying an annual fee!
PRO TIP:
If you have another credit card which earns Capital One Miles, like the Capital One Venture X, Capital One Venture, Capital One VentureOne, or Capital One Spark Miles for Business, you can transfer your cash from your Quicksilver to those cards, turning them into Capital One Miles – transferable to airline and hotel partners. $10 = 1,000 Miles.
Here’s a list of Capital One Miles airline and hotel transfer partners
| Capital One Miles | ||
|---|---|---|
| Transfer Ratio | Expected Transfer Time | |
| Air Canada (Aeroplan) | 1:1 | Instant |
| Air France / KLM Flying Blue | 1:1 | Instant |
| Avianca Lifemiles | 1:1 | Instant |
| Aeromexico | 1:1 | Instant |
| British Airways Avios | 1:1 | TBD |
| Cathay Pacific Asia Miles | 1:1 | Nearly instant |
| Choice Hotels | 1:1 | 1 day |
| Emirates Skywards | 1:1 | Instant |
| Etihad Guest | 1:1 | 1-2 days |
| Finnair | 1:1 | Instant |
| Qantas | 1:1 | 1-2 days |
| Singapore Airlines KrisFlyer | 1:1 | 1-2 days |
| TAP Air Portugal | 1:1 | TBD |
| Turkish Airlines Miles&Smiles | 1:1 | TBD |
| Wyndham Rewards Hotel Program | 1:1 | Instant |
| EVA | 2:1.5 | 1-2 days |
| Accor Live Limitless (ALL) Hotel Program | 2:1 | 1-2 days |
| Virgin Red | 1:1 | TBD |
Frequently asked questions
Does the Capital One Quicksilver have an annual fee?
No, the Quicksilver card does not have any annual fee.
Does the Quicksilver Credit Card get you into airport lounges?
No, the Quicksilver card does not offer any airport lounge access. But we are here to help! You can find credit cards with airport lounge access here.
Do you need an Excellent Credit Score to get the Capital One Quicksilver Credit Card?
You’ll want to have around a 690 credit score or better. Note that Capital One may pull a credit report (a.k.a. a hard inquiry) from all three credit bureaus.
Is it worth getting the Capital One Quicksilver?
We think the sweet spot for this card is someone who travels internationally a lot and wants cash back without any bonus categories to remember. Otherwise, you may be better suited to a 2% cash back card like the Citi Double Cash
How do I earn cash with the Capital One Quicksilver?
Earn 5% cash back on hotels and rental cars booked via Capital One Travel
Earn 1.5% cash back on all other eligible purchases
Is there a better credit card than the Capital One Quicksilver?
There are many credit cards that offer more features, benefits, or cash back on purchases. Use our World Famous Card Explorer to find one that meets your specifications.
Does the Capital One Quicksilver charge foreign transaction fees?
No, the Capital One Quicksilver Cash Rewards Credit Card does not charge any foreign transaction fees. No Capital One cards do!
Does the Capital One Quicksilver have car rental coverage?
Yes, there is CDW / LDW coverage if you book and pay for your car in full with your Quicksilver card, however, it is secondary to your own personal car’s insurance.
Does the Capital One Quicksilver offer extended warranty?
Yes, you’ll get up to 1 additional year on eligible purchases with manufacturer warranties of 3 years or less with the Quicksilver credit card.
Does the Capital One Quicksilver Credit Card offer purchase protection?
No, the Capital One Quicksilver card doesn’t offer purchase protection, but it does offer an extended warranty.
Does the Capital One Quicksilver offer trip protections?
No, the Quicksilver credit card doesn’t offer any trip protections, although it does come with Travel Accident Insurance when you use your card to pay your airfare.
What credit score do I need to get a Capital One Quicksilver Cash Rewards Credit Card?
With about a 700 or higher, you have a good chance of being approved for the Quicksilver.
Does the Capital One Quicksilver Cash Rewards Credit Card have Cell Phone Protection?
No, the Quicksilver does not have cell phone protection insurance.
What is the difference between the Capital One Quicksilver Cash Rewards Credit Card and the Capital One QuicksilverOne Cash Rewards Credit Card?
The primary difference is that the Capital One QuicksilverOne is offered to those with a significantly worse credit score than would qualify for the Quicksilver. You’ll only need about a 600 score for the QuicksilverOne, but you won’t get an Early Spend Bonus offer, you won’t be eligible for any 0% intro APR offers, and you’ll have to pay a $39 annual fee. You’ll still earn 1.5% cash rewards, though.