Want a card that just works—no tracking categories, no spending limits, no expiration on rewards? The Capital One Quicksilver Cash Rewards Credit Card delivers straightforward cash back with every swipe. It’s perfect for anyone who wants to earn while they spend, without overthinking it.
Forget points that expire or complicated reward systems. With Quicksilver, you get 1.5% cash back on every purchase, every day. Add to that a $0 annual fee, a $200 welcome bonus, and 0% intro APR—and you’ve got one of the most effortless ways to earn on everything you buy.
Why This Card is for You?
The Capital One Quicksilver is ideal for people who want a cash back card that’s easy to manage and rewarding from the start. You’ll earn unlimited 1.5% cash back on all purchases, without worrying about rotating categories or spending caps. Plus, rewards never expire and can be redeemed at any time.
Even better, new cardholders can score a $200 cash bonus after spending $500 in the first 3 months. You also get a 0% intro APR for 15 months on purchases and balance transfers, making it a smart option if you’re planning a large purchase or looking to consolidate debt.
Pros and Cons of the Capital One Quicksilver
Before making your decision, it’s important to weigh the pros and cons:
Pros
Unlimited 1.5% Cash Back: Earn the same rate on every purchase—no exceptions.
No Annual Fee: Keep more of your rewards with zero yearly cost.
Intro APR & Bonus: 0% intro APR and $200 welcome offer for new users.
Cons
No Bonus Categories: Flat rate may not appeal to those who want higher rewards on specific spending.
Requires Good Credit: Approval generally needs a good to excellent credit score.
How to Apply for Your Capital One Quicksilver
Getting started is quick and easy. Just go to Capital One’s website and fill out the online application. Provide some personal and financial information, and you could receive an instant decision. Capital One may also offer pre-approval with no impact on your credit score.
Once approved, you’ll receive your card in the mail—but you might get a virtual card number to start shopping right away. It’s safe, fast, and designed for your convenience.