Best for straightforward cash-back earnings

The Capital One Quicksilver Cash Rewards takes the guesswork out of earning cash-back rewards by offering an unlimited 1.5% earning rate on all purchases. (Partner offer)

At a glance

  • 1.5% Earn unlimited 1.5% cash back on every purchase, every day
$200
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
14.99% - 24.99% (Variable)
None
24.99% (Variable)
14.99% - 24.99% (Variable)
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
$0
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day

At a glance

  • 1.5% Earn unlimited 1.5% cash back on every purchase, every day
$200
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
14.99% - 24.99% (Variable)
None
24.99% (Variable)
14.99% - 24.99% (Variable)
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
$0
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 14.99%-24.99% variable APR after that
  • $0 annual fee and no foreign transaction fees

Our Take

TPG Editor's Rating

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3.5/5

Overview

Keep things simple and watch your rewards grow over time with an unlimited 1.5% rewards rate that you can convert to cash back. We love that there’s no minimum redemption amount when it comes to redeeming your rewards, meaning that you can apply your earnings immediately to your statement credit and lower your charges.

Pros

  • Unlimited 1.5% cash back on all purchases
  • No annual fee
  • Cash back doesn't expire

Cons

  • Limited card perks and benefits
  • Other cards offer more potential and upside when it comes to redeeming cash back

Who is this card good for?

There are lots of introductory cash-back cards out there, but an existing consumer with Capital One would best benefit from the Capital One Quicksilver Cash Rewards. Alternatively, someone who wants to eventually apply for travel rewards cards with Capital One (like the Capital One Venture Rewards Credit Card) can benefit from starting with the no-annual-fee Capital One Quicksilver first.

Earning Rewards

You’ll earn unlimited 1.5% cash-back rewards on all your purchases. The sky’s the limit when it comes to earning cash back with this credit card.

Frequently asked questions