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
Variable APR — verify current range at capitalone.com
Variable — verify the current range at the issuer
Intro APR
0% intro APR on purchases and balance transfers (verify current period at capitalone.com)
Then the ongoing APR applies
As of July 8, 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% intro APR on purchases and balance transfers (verify current period at capitalone.com)
- Ongoing APR
- Variable APR — verify current range at capitalone.com
- Foreign transaction fee
- None
- Balance transfer fee
- See issuer terms
- Schumer Box verified
- July 8, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
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 8, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Capital One Quicksilver Cash Rewards charge?
Variable APR — verify current range at capitalone.com. There is also an intro rate: 0% intro APR on purchases and balance transfers (verify current period at capitalone.com). 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 whether an honest weakness is 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 APR28.24%Intro APR10.99% on balance transfers for 6 monthsBest 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 · 2026-06-29
- Capital OneSolid pick
Capital One Quicksilver Secured
89/100Annual fee$0Ongoing APR29.99%Foreign txn feeNoneBest forCredit-builders who want a secured card that reports to all three bureaus AND earns 1
Fees sourced from issuer terms · 2026-06-29
- Capital OneSolid pick
Capital One SavorOne Cash Rewards
89/100Annual fee$0Ongoing APRVariable*Foreign txn feeNoneBest forDining- and entertainment-heavy households that want 3% cash back on restaurants, entertainment, popular streaming, and
Fees sourced from issuer terms · 2026-07-08
