Best in Class
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Capital One Quicksilver Credit Card Review
Key Takeaways
The Capital One Quicksilver is the entry-level rewards credit card from Capital One. Even if you are new to points and miles, we do not recommend starting with this card. While it does provide a $200 sign-up bonus and 1.5% cash back on all purchases — giving you some “free” money — it will also occupy one of your 5/24 slots. The longer you stay in this hobby, the more you will realize how important it is to be selective about which personal cards you open. Although the Quicksilver has no annual fee, there are other cards (including some with no annual fee) that offer more valuable perks, especially if you want rewards you can redeem for free travel.
Why This Card Could Be Right For You
The Quicksilver provides a few basic perks in addition to its $200 sign-up bonus:
- $200 cash bonus after spending $500 on the card in the first 3 months
- 1.5% cash back on every purchase, every day
- 5% cash back on hotels and rental cars booked through the Capital One Travel portal
- 0% APR for 15 months on purchases and balance transfers
Because there is no annual fee, this card may appear appealing at first. You can redeem your rewards for cash back, through PayPal, or at Amazon. You also receive extended warranty protection on eligible items purchased with your card, as well as travel accident insurance.
When The Usual Advice Doesn't Apply
There are scenarios where the Quicksilver may not suit you:
- If you want to earn points or miles that can be redeemed directly for free travel, this card will not help you achieve that.
- If you plan on exploring the hobby more deeply, you might regret using one of your 5/24 slots on a card that does not offer more valuable or versatile rewards.
How The Capital One Quicksilver Credit Card Fits In The Cash in Cents Ecosystem
If you are looking to start in the points and miles hobby, you should know that Capital One offers several credit cards, many of which are not ideal if you plan on pursuing this for an extended period. If you are serious about earning travel rewards, consider the Capital One Venture Rewards or Venture X cards instead.
- Venture Rewards: This card has a $95 annual fee and a sign-up bonus of 75,000 miles. It also includes useful travel perks like a TSA Precheck credit and 2x points on every purchase.
- Venture X: This is Capital One’s premium card. Its annual fee is $395, but you receive a $300 travel credit (when booking through the Capital One Travel portal) plus a 10,000-mile anniversary bonus, which help offset that fee. The card also has a 75,000-point sign-up bonus along with additional travel benefits that make the fee worthwhile.
Several other Capital One cards share features similar to the Quicksilver. For example, Capital One Savor Rewards and Capital One VentureOne are both entry-level cards with no annual fee, each offering $200 cash back or 20,000 points (equal to $200) as a bonus. They have slightly higher spending multipliers than the Quicksilver — Savor provides 3% back on groceries and dining, while VentureOne offers 5x miles on hotels and rental cars booked through the Capital One portal and 1.25 miles on everything else. However, if you are interested in Capital One’s rewards ecosystem, we recommend skipping these introductory cards and starting with one of the Venture cards for more robust benefits and higher long-term value.
Card Information
Bonus Points
20,000
Minimum Spend
$500 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0
1st Year Value
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Differentiating Perks
1.5% Cash Back on All Purchases
0% Intro APR for 15 Months
Rules
Card Benefits
No benefits are available for this card.
Historical Card Offers
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Estimated Next Offer
Start Date
Offer Length
Bonus
Minimum Spend
Spend Categories
5¢
Per Dollar
Spent
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5¢
Per Dollar
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5¢
Per Dollar
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1.5¢
Per Dollar
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Capital One Quicksilver Application Rules
You will not be eligible for a signup bonus on the same card if you’ve received one for THAT card in the previous 48 months.
Card approval not subject to 5-personal-cards-in-24-months rule
You won’t be approved for a second Capital One card if you’ve opened one in the past six months
