Capital OneBest for Simple flat-rate cash back
Capital One Quicksilver Cash Rewards
Annual Fee
$0
Rewards Rate
1.5%
Intro Offer
$200
Regular APR
19.99%-29.99% Variable
Capital One Quicksilver Cash Rewards
Capital One Quicksilver Cash Rewards
1.5% cash back on every purchase. No annual fee. No foreign transaction fee.
Our take
Straightforward 1.5% back on everything with no annual fee and no foreign transaction fee. One of the simplest good cash-back cards available, ideal as a default everyday card.
Highlights
What we like
1.5% cash back on every purchase
No annual fee and no foreign transaction fee
0% intro APR for 15 months
The trade-off
No bonus categories for heavy spenders
1.5% rate trails the best flat-rate cards at 2%
Is this card right for you?
Answer a few quick questions — we'll tell you if it fits your spending habits and credit profile.
Full details
Rewards & Perks
| Rewards rate | 1.5% |
| Rewards type | Cash back |
| Bonus categories | 1.5% on all |
| Welcome offer | $200 |
| Offer requirements | after $500 spend in first 3 months |
Fees & APR
| Annual fee | $0 |
| Intro APR (purchases) | 0% for 15 months |
| Ongoing APR | 19.99%-29.99% Variable |
| Foreign transaction fee | None |
Eligibility
| Recommended credit score | 670-850 |
Frequently asked questions
What credit score do I need?
This card typically requires a 670-850 credit score. Building or maintaining good credit before applying improves your approval odds.
Are there foreign transaction fees?
No — this card has no foreign transaction fee, making it an excellent choice for international travel and purchases.
How do I earn the welcome offer?
after $500 spend in first 3 months
Can I product-change or upgrade this card?
Many issuers allow product changes within the same card family. Contact the issuer directly after 12 months of card membership to ask about upgrade options.
Capital One Quicksilver Cash Rewards