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
- 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- 1.5% Earn unlimited 1.5% cash back on every purchase, every day
- Earn a 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
- 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- 1.5% Earn unlimited 1.5% cash back on every purchase, every day
- Earn a 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
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- 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; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Our Take
TPG Editor's Rating
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
- The intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase. You’ll get 0% intro APR on purchases and balance transfers for the first 15 months (19.99% - 29.99% variable APR after, there's a 3% balance transfer fee for the first 15 months or at the promotional APR offered at any other time. No fee for amounts transferred at the Transfer APR).
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.