Capital One Quicksilver Cash Rewards Credit Card - Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card has no annual fee and delivers straightforward cash back on everyday purchases. You’ll earn unlimited 1.5% cash back on every purchase, plus a 5% cash back bonus on hotels, vacation rentals, and rental cars booked through Capital One Travel. A one-time $200 cash bonus is available after you spend $500 on purchases within the first 3 months of account opening. There are no rotating categories or sign-ups required to earn cash rewards, and your cash back won’t expire. The card also offers a top-rated mobile app and no foreign transaction fees, making it a convenient option for everyday use and travel bookings.

Pros

One-time welcome bonus: Earn a $200 cash bonus after spending $500 on purchases within 3 months of account opening.

Simple, unlimited earn rates: Earn unlimited 1.5% cash back on every purchase, every day.

Cost-effective traveling: $0 annual fee and no foreign transaction fees.

Strong travel rewards via Capital One Travel: Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.

No fuss rewards structure: No rotating categories or sign-ups needed to earn cash rewards; cash back won’t expire for the life of the account and there’s no limit to how much you can earn.

Top-rated mobile experience: Beneficiary of a top-rated mobile app to manage rewards and account activity.

Cons

The 5% cash back is limited to hotels, vacation rentals and rental cars booked specifically through Capital One Travel; purchases outside of that portal do not earn the 5% tier.

The base earning rate is 1.5% on all other purchases, which may be lower than what some other cards offer in their everyday spending categories.

Travel rewards are tied to a specific redemption pathway (Capital One Travel) for the 5% category, which may limit where you can apply that bonus.

Why we like this card

• Zero annual fee with flexible, straightforward earning for everyday purchases (1.5% back on all purchases).
• Significant travel-specific bonus when booking through Capital One Travel (5% back on hotels, vacation rentals, and rental cars).
• Strong welcome offer: $200 bonus after meeting a modest initial spend in 3 months.
• No foreign transaction fees and access to a top-rated mobile app for easy management of rewards and purchases.
• No need to track complex categories or milestones—cash back accrues automatically and never expires.