Capital One Quicksilver Cash Rewards
Capital One · Cashback review
People who want one no-annual-fee card that does three things at once: 1
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
18.49% – 28.49% variable
Variable — verify the current range at the issuer
Intro APR
0% for 15 months on purchases and balance transfers
Then the ongoing APR applies
As of July 20, 2026
Best for
People who want one no-annual-fee card that does three things at once: 1.5% unlimited cash back, a 0% intro-APR window, and no foreign transaction fee. It's the flat-rate workhorse for someone who won't track categories and occasionally spends abroad.
Not for
Category optimizers — a 2% flat card (Citi Double Cash, Wells Fargo Active Cash) beats 1.5% on every dollar, and a 3%+ category card beats it wherever your spend concentrates. The intro-APR window is also shorter than dedicated 0% cards like the U.S. Bank Visa Platinum.
The catch
The 1.5% rate is the floor of the flat-rate market, not the ceiling. The value here is the bundle — cash back + 0% intro + no FX fee in one $0-fee card — not the raw earn rate. If you only need one of those three things, a more specialized card wins.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $0
- Intro APR
- 0% for 15 months on purchases and balance transfers
- Ongoing APR
- 18.49% – 28.49% variable
- Foreign transaction fee
- None
- Balance transfer fee
- 3% during the 15-month intro window, 4% after
- Schumer Box sourced
- July 20, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Get an email when Capital One Quicksilver Cash Rewards's offer changes.
We track Capital One Quicksilver Cash Rewards's current offer and terms. We'll email you the moment they change — no checking back.
Frequently asked
Does the Capital One Quicksilver Cash Rewards charge an annual fee?
No. The Capital One Quicksilver Cash Rewards carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 20, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Capital One Quicksilver Cash Rewards charge?
18.49% – 28.49% variable. There is also an intro rate: 0% for 15 months on purchases and balance transfers. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Does the Capital One Quicksilver Cash Rewards charge foreign transaction fees?
No. The Capital One Quicksilver Cash Rewards has no foreign transaction fee, so it works cleanly for purchases abroad.
Who is the Capital One Quicksilver Cash Rewards best for?
People who want one no-annual-fee card that does three things at once: 1.5% unlimited cash back, a 0% intro-APR window, and no foreign transaction fee. It's the flat-rate workhorse for someone who won't track categories and occasionally spends abroad.
Who should skip the Capital One Quicksilver Cash Rewards?
Category optimizers — a 2% flat card (Citi Double Cash, Wells Fargo Active Cash) beats 1.5% on every dollar, and a 3%+ category card beats it wherever your spend concentrates. The intro-APR window is also shorter than dedicated 0% cards like the U.S. Bank Visa Platinum.
How did ClearValue score the Capital One Quicksilver Cash Rewards?
Capital One Quicksilver Cash Rewards scored 85/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the Capital One Quicksilver Cash Rewards
Other cashback cards we've scored, ranked by our methodology.
- DiscoverCanon
Discover it Secured
90/100Annual fee$0Ongoing APR26.49%Intro APR10.99% · 6 moBest forCredit-builders who want a $0 AF secured card that reports to all three bureaus, earns rotating-category cashback, AND g
Fees sourced from issuer terms · 2026-08-15
- Capital OneSolid pick
Capital One Quicksilver Secured
89/100Annual fee$0Ongoing APR28.99%Foreign txn feeNoneBest forCredit-builders who want a secured card that reports to all three bureaus AND earns 1
Fees sourced from issuer terms · 2026-07-15
- CitiSolid pick
Citi Double Cash
89/100Annual fee$0Ongoing APR17.49–27.49%Intro APR0% · 18 moBest forReaders who want one flat-rate no-fee cashback card and aren't interested in tracking categories
Fees sourced from issuer terms · 2026-07-15
