Capital One Quicksilver Cash Rewards

Issuer

Capital One

Network

Mastercard

Regular APR

19.24% - 29.24%

Credit Score

690 - 850 (Good - Excellent)

Rewards Rate Details

Earn unlimited 1.5% cash back on every purchase, every day. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply.

Intro Offer Details

Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

Pros

• No annual fee, making it budget-friendly.
• Unlimited 1.5% cash back on all purchases, providing a simple rewards structure.
• Cash back rewards do not expire for the life of the account.
• Easily achievable $200 sign-up bonus with a low spending requirement of $500 within 3 months.
• Lengthy 0% intro APR for 15 months on purchases and balance transfers.
• Access to travel and shopping protections through Mastercard.

Cons

• Requires good to excellent credit for approval, limiting accessibility.
• The 1.5% cash back rate is lower than some competitors offering higher flat-rate rewards.
• No rewards bonus categories for enhanced earning potential.
• Limited card perks and benefits beyond basic issuer features.
• Balance transfer fee applies (3% for the first 15 months, then 4%).
• Potentially high ongoing APR after the introductory period (19.24% to 29.24%).