Capital One Quicksilver Cash Rewards
Issuer
Capital One
Network
Mastercard
Regular APR
19.24% - 29.24%
Annual Fee
$0.00
Intro Offer
$200.00
Rewards Rate
1.5% - 5% Cashback
Recommended Credit Score
690 - 850 (Good - Excellent)
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%).
Combinations
Fee-Free Rewards All-Stars
🏆 310 $0.00 0
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