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Simple flat cash back with useful travel extras
Unlimited 1.5% cash back on every purchase
Earn 1.5% cash back on all purchases with no cap or rotating categories.
Up to $300 in welcome bonuses
Get a $200 cash bonus plus a $100 Capital One Travel credit when requirements are met.
No annual fee and no foreign transaction fees
Pay no yearly fee and avoid extra charges on purchases abroad or in foreign currencies.
Intro 0% APR for 15 months
Pay 0% intro APR on purchases and balance transfers for 15 months, then a variable APR applies.
How the Quicksilver Card Works in 2025
The Capital One Quicksilver Cash Rewards Credit Card is designed for U.S. consumers who want a simple, flat-rate cash back card that they can use for almost everything. As of 2025, it earns unlimited 1.5% cash back on every purchase, every day, with no rotating categories and no spending caps. On top of that base rate, you earn 5% cash back on hotels and rental cars booked through Capital One Travel, as well as 5% cash back on purchases made through Capital One Entertainment, which can boost rewards if you regularly book trips or events through those platforms. Rewards do not expire as long as your account remains open and in good standing, and there is no limit to how much you can earn.
A key highlight in 2025 is the “up to $300 in bonuses” welcome package for new Quicksilver cardholders. Eligible new primary cardholders can receive a one-time $100 Capital One Travel credit to use on bookings made through Capital One Travel during the first year after account opening. In addition, they can earn a $200 cash bonus after spending $500 on purchases within the first three months. Together, these benefits add up to $300 in value for someone who both meets the spending requirement and uses the travel credit before it expires. This is all on a card that charges no annual fee, so the bonuses are pure upside if you manage the account responsibly.
From a financing perspective, Quicksilver currently offers a 0% introductory APR for 15 months on purchases and balance transfers, followed by a variable purchase and transfer APR that typically ranges from the high teens to the high twenties, depending on creditworthiness. A balance transfer fee applies to promotional transfers, and cash advances have their own APR and fee, so the card is best used by people who can pay off their balances in full or plan carefully for the end of the intro period. The card does not charge foreign transaction fees, making it more attractive for international travel or online purchases in foreign currencies.
Beyond rewards and rates, Quicksilver comes with a solid set of protections and digital tools. You get $0 fraud liability, security alerts, and the ability to lock your card instantly if it is lost or stolen. Extended warranty protection applies to eligible purchases. The Capital One Mobile app, CreditWise credit monitoring, Eno virtual assistant, and flexible AutoPay settings make it easier to track spending and avoid missed payments. Overall, the Quicksilver card is targeted at consumers with excellent credit who want no-annual-fee simplicity, steady cash back, and travel-friendly features in a single product.
The card earns unlimited 1.5% cash back on all purchases, plus 5% cash back on hotels and rental cars booked through Capital One Travel and on eligible Capital One Entertainment purchases.
As of 2025, eligible new cardholders can earn a $200 cash bonus after spending $500 in the first three months and receive a one-time $100 Capital One Travel credit in their first year.
No. The Capital One Quicksilver Cash Rewards Credit Card has a $0 annual fee, so you do not pay to keep the card open.
The card offers a 0% intro APR on purchases and balance transfers for 15 months, then a variable APR applies. Balance transfers made during the intro period incur a transfer fee, and cash advances have a separate APR and fee.
Make the Most of Quicksilver: Time to Decide and Apply
The Capital One Quicksilver Cash Rewards Credit Card is built for people who value convenience and consistency in their rewards strategy. Instead of juggling multiple cards and tracking rotating categories, Quicksilver gives you a straightforward 1.5% cash back on every purchase, which means your groceries, gas, streaming subscriptions, and everyday bills all earn at the same flat rate. Add the 5% cash back on hotels and rental cars booked through Capital One Travel and on eligible Capital One Entertainment purchases, and you have a card that quietly works in the background whether you are running errands or planning a weekend getaway.
The welcome offer structure in 2025 makes the first year especially attractive. If you spend at least $500 in the first three months, you can earn a $200 cash bonus. On top of that, the one-time $100 Capital One Travel credit available in the first year can help offset the cost of flights, hotels, or rental cars booked through Capital One Travel. Combined, these two components can deliver up to $300 in value, which is a strong incentive for a no-annual-fee card. When used strategically—such as applying rewards toward travel or everyday expenses—the bonuses can cover several months of streaming services, a short trip, or a meaningful chunk of your regular spending.
The intro 0% APR for 15 months on purchases and balance transfers adds another layer of flexibility. You can use it to finance a large planned purchase or consolidate balances from higher-interest cards, as long as you are disciplined about paying off the balance before the intro period ends and factor in balance transfer fees where applicable. After that period, the APR becomes variable and can be relatively high, so this feature is best treated as a temporary tool rather than a long-term borrowing solution.
On the non-rewards side, Quicksilver fits well into a modern financial toolkit. No foreign transaction fees make it a practical companion for international travel or foreign websites, and tools like CreditWise, the Capital One Mobile app, and Eno help you monitor your credit and account activity with minimal effort. Security features like $0 fraud liability, card lock, and extended warranty protection add peace of mind when you use the card for big-ticket items or frequent online transactions.
If you are looking for a card that can serve as your primary everyday credit card, Quicksilver deserves serious consideration. It will not win every optimization battle against complex multi-card setups or niche category earners, but for many people that simplicity is the main selling point. If you have excellent credit and want a no-annual-fee card that offers flat-rate cash back, solid travel extras, and user-friendly digital tools, the next step is straightforward: review the current terms on Capital One’s website, then click the apply button to see if the Quicksilver card is the right addition to your wallet.