Capital One Quicksilver Review

Overview

The Capital One Quicksilver is a points-earning card from Capital One, running on the Mastercard network. The Capital One Quicksilver keeps things simple, earning a flat 1.5x on every purchase with no categories to track or quarterly activations. There is no annual fee, which means every dollar of rewards is pure profit. New cardholders can earn $200 cash bonus after $500 in 3 months.

It is built for simplicity. There are no categories to track, no quarterly activations, and no annual fee, which makes it one of the easier cards to set and forget while still earning a respectable flat rate.

Our 3.5 out of 5 rating

Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.

Rewards: how it earns

The Capital One Quicksilver earns a flat 1.5x on every purchase. On a typical $29,160 of annual spending that comes to about $437 back a year, with nothing to track or activate.

Brand and bonus rates: beyond the everyday categories above, this card also earns:

• 5% cash back on hotels and rental cars booked through Capital One Travel

Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.

Pros and cons

The welcome bonus

The current welcome offer is $200 cash bonus, earned after you spend $500 in 3 months. Valued honestly at a flat 1 cent per point, that is worth about $200. The spending requirement works out to roughly $166 per month, so make sure it fits your normal budget rather than pushing you to overspend. Stacking the welcome offer on top of a typical year of rewards and accounting for no annual fee, the first year is worth roughly $637.

Is the annual fee worth it?

The Capital One Quicksilver has no annual fee, so there is no break-even math to worry about. Every dollar of rewards is profit, and you can keep it open for free, which also helps the average age of your credit over time.

Benefits and protections

Beyond the rewards, the perks and protections worth knowing about include:

• One-time $200 cash bonus after $500 spend in first 3 months
• No rotating categories or sign-ups needed
• Travel accident insurance and extended warranty protection

Statement credits

This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.

Ecosystem and transfer partners

The Capital One Quicksilver earns Miles, one of the more valuable currencies in rewards because of where the points can go. On its own it earns flexible points, but paired with a premium Capital One card you can pool them together and unlock 1 to 1 transfers to 7 airline and hotel partners: Air Canada Aeroplan, Turkish Miles & Smiles, Avianca LifeMiles, Flying Blue (Air France/KLM), Singapore Airlines, British Airways, and Wyndham Rewards. As an earner, its job is to rack up points cheaply that you move to a hub card before transferring. The sweet spots are usually premium-cabin flights and high-end hotel nights, where a single point can be worth well more than the 1 cent we value it at here.

Who should get it, and who should skip it

It is best for people who want a dependable everyday rewards card from a major issuer.

Skip it if you want richer bonus categories or a transferable-points setup for premium travel redemptions.

How it compares

If the Capital One Quicksilver is not quite the right fit, these related cards are worth weighing against it:

Frequently asked questions