Independent comparisons. No active credit card affiliate partnerships. Numbers checked 2026-09-10. How we make money · Data status
Capital One Quicksilver Cash Rewards
Published by CreditMango · Mike Kwak · Editorial policy
Best No-Fee Card for Travel Spending
+ Pros
- ✓No annual or foreign transaction fee
- ✓$200 public welcome offer
- ✓15-month 0% introductory APR
− Cons
- ✗1.5% base rate trails 2% cards
- ✗5% travel requires eligible portal bookings
- ✗Excellent-credit offer differs from other Quicksilver products
Rewards Breakdown
| Category | Rate | Monthly Spend | Annual Value |
|---|---|---|---|
| All Purchases | 1.5% | $2000/mo | $360 |
| Total Estimated Annual Rewards | $360 | ||
Perks & Credits
Eligible hotels, vacation rentals and rental cars through Capital One Travel, plus qualifying Capital One Entertainment ticket purchases. Exclusions apply.
0% introductory APR on purchases and transfers; transfer fees apply. Check the pricing disclosure.
Spend $500 within three months of opening. Bonus eligibility restrictions apply, including a prior product bonus within 48 months.
- Problem with a purchase shown on your statement4,201
- Other features, terms, or problems1,725
- Getting a credit card1,338
Source: CFPB Consumer Complaint Database, checked 2026-10-12. These counts cover the issuer, not this specific card, and are not adjusted for customer count. Complaints are not necessarily evidence of wrongdoing.
Quicksilver's public excellent-credit offer combines a 1.5% base cash-back rate with no annual or foreign transaction fee. This review covers that offer; other Quicksilver products and existing accounts can have different terms.
Compare the dollars
At $20,000 of annual base-rate spending, Quicksilver earns $300. A 2% card earns $400, a $100 difference before fees, interest and welcome offers. The difference is half a percentage point; 2% is about 33.3% more than 1.5%, not 25% more.
The current welcome offer is $200 after $500 in purchases within three months. Citi Double Cash also has a public welcome offer, so do not choose Quicksilver on the assumption its competitor has none. Compare each spending requirement with purchases you already plan to make.
Where the rate changes
Eligible hotels, vacation rentals and rental cars booked through Capital One Travel earn 5%. Qualifying Capital One Entertainment ticket purchases also earn 5%, with exclusions. Broad travel spending does not automatically qualify; our comparison uses the base rate because it does not collect eligible portal spending separately.
The current 15-month introductory APR applies to purchases and transfers; transfer fees apply. Afterward, the variable APR is 18.49%–28.49%. Interest can exceed cash-back earnings, so compare financing costs separately.
Check the current Capital One offer and your account's network and benefits. A $0 annual fee does not mean every transaction is free, and a statement credit does not replace your required minimum payment.
Who This Card Is For
- →People seeking simple cash back without a foreign transaction fee.
- →Applicants who can meet the bonus spending requirement through planned purchases.
Who Should Skip This Card
- →People whose domestic spending earns more with a 2% card or suitable category card.
- →Applicants considering a different Quicksilver credit-profile product; terms and bonuses may differ.
How It Compares
| Card | Annual Fee | Best Rate |
|---|---|---|
| Capital One Quicksilver Cash Rewards (this card) | $0 | 1.5% |
| Citi Double Cash CardBest No-Fee Cashback Card | $0 | 2% |
| Chase Freedom UnlimitedBest No-Fee Card with Category Bonuses | $0 | 1.5% |
Frequently Asked Questions
Capital One Quicksilver Cash Rewards
Best No-Fee Card for Travel Spending
Apply NowSee our affiliate disclosure.
Explore More Cards
Last updated: 2026-09-10