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Credit Card Review✈️ Best No-Fee Travel

Capital One Quicksilver Cash Rewards

Issued by Capital One

Unlimited 1.5% cash back on every purchase — plus $200 cash back after $500 spend in 3 months.

At a Glance

Annual Fee

$0

Purchase APR

18.49%–28.49%

Rewards Rate

Unlimited 1.5% cash back on every purchase

Min. Credit Score

670+ (est.)

Intro APR

0% on purchases & balance transfers for 15 months

Sign-Up Bonus

$200 cash back after $500 spend in 3 months

Rates & Fees

Annual Fee

$0

Purchase APR

18.49%–28.49% variable

Intro APR

0% on purchases & balance transfers for 15 months

Foreign Transaction Fee

None

Balance Transfer Fee

No promotional balance transfer offer typically advertised; confirm current terms

Cash Advance Fee

Up to 5% or $10 minimum, whichever is greater

Late Payment Fee

Up to $41

Estimate Your Rewards

See how this card fits your monthly spending

Enter your typical monthly spend by category to see roughly what the Capital One Quicksilver Cash Rewards would earn you per year (this doesn't include any one-time sign-up bonus).

$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo

Est. Annual Rewards

$351/yr

After $0 Annual Fee

$351/yr

Based On

$1,950/mo

Key Features

Unlimited 1.5% on everything — no category tracking

No foreign transaction fees

Travel Accident Insurance and Extended Warranty

Pros & Cons

Pros

  • No annual fee
  • No foreign transaction fee — great for travel
  • Simple flat-rate with no caps

Tradeoffs

  • 1.5% rate matched by several no-fee competitors
  • No elevated category bonuses
  • Lower bonus than some competitors

How to Apply

Check whether your credit profile is a reasonable fit — Capital One generally looks for applicants around 670+ FICO for the Capital One Quicksilver Cash Rewards, alongside income and existing debt.

Gather your Social Security number, annual income, housing payment, and employer details before starting the application.

Apply directly through Capital One's official site or app to make sure you're getting current, accurate offer terms.

Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.

If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.

How It Compares

Current product highlighted
ProductAnnual FeePurchase APRRewards Rate
Capital One Quicksilver Cash Rewards$018.49%–28.49%Unlimited 1.5% cash back on every purchase
Citi Double Cash® Card$017.49%–27.49%2% on everything (1% when you buy + 1% when you pay)
American Express® Gold Card$32519.49%–28.49%4x restaurants (up to $50k/yr) & US supermarkets (up to $25k/yr), 5x prepaid hotels, 3x flights
Discover it® Cash Back$017.49%–26.49%5% in rotating quarterly categories (up to $1,500/qtr), 1% everything else

Frequently Asked Questions

What credit score do I need for the Capital One Quicksilver Cash Rewards?

Capital One generally looks for applicants with a credit score around 670+ for the Capital One Quicksilver Cash Rewards, though approval also depends on your income, existing debt, and overall credit profile — not credit score alone.

What's the annual fee on the Capital One Quicksilver Cash Rewards?

The Capital One Quicksilver Cash Rewards has no annual fee, so there's no ongoing cost to keep the card open.

Does the Capital One Quicksilver Cash Rewards have a sign-up bonus?

Yes — new cardholders can currently earn $200 cash back after $500 spend in 3 months. Bonus terms and required spend change over time, so confirm the current offer on Capital One's site before applying.

What fees should I watch for on the Capital One Quicksilver Cash Rewards?

Beyond the annual fee, check the foreign transaction fee (None), balance transfer fee (No promotional balance transfer offer typically advertised; confirm current terms), cash advance fee (Up to 5% or $10 minimum, whichever is greater), and late payment fee (Up to $41). These matter most if you carry a balance, transfer debt, or use the card internationally.

How does the Capital One Quicksilver Cash Rewards compare to similar cards?

The Capital One Quicksilver Cash Rewards is one of several cashback cards worth comparing side by side — see the "How It Compares" table on this page for a few close alternatives, or browse the full list of cashback cards for more options.

Other Credit Cards

Citi Double Cash® Card

2% on everything (1% when you buy + 1% when you pay)

American Express® Gold Card

4x restaurants (up to $50k/yr) & US supermarkets (up to $25k/yr), 5x prepaid hotels, 3x flights

Discover it® Cash Back

5% in rotating quarterly categories (up to $1,500/qtr), 1% everything else

Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.

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