Issuer review required; no guaranteed score cutoff
Intro APR
0% on purchases & balance transfers for 15 months
Sign-Up Bonus
$200 cash back after $500 spend in 3 months
$
Rates & Fees
Annual Fee
$0
Purchase APR
18.49%–28.49% variable
Intro APR
0% on purchases & balance transfers for 15 months
Foreign Transaction Fee
None
Balance Transfer Fee
No promotional balance transfer offer typically advertised; confirm current terms
Cash Advance Fee
Up to 5% or $10 minimum, whichever is greater
Late Payment Fee
Up to $41
✦
Estimate Your Rewards
See how this card fits your monthly spending
Enter your typical monthly spend by category to see roughly what the Capital One Quicksilver Cash Rewards would earn you per year (this doesn't include any one-time sign-up bonus).
Assumes steady monthly spending at eligible merchants. Portal-only, selected and rotating bonuses are excluded unless explicitly modeled. Statement credits and welcome bonuses are excluded. Points use an assumed value of 1¢ each; actual redemption value varies.
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo
Est. Annual Rewards
$351/yr
After $0 Annual Fee
$351/yr
Based On
$1,950/mo
Key Features
✓
Unlimited 1.5% on everything — no category tracking
✓
No foreign transaction fees
✓
Travel Accident Insurance and Extended Warranty
Pros & Cons
✓ Pros
No annual fee
No foreign transaction fee — great for travel
Simple flat-rate with no caps
– Tradeoffs
1.5% rate matched by several no-fee competitors
No elevated category bonuses
Lower bonus than some competitors
How to Apply
1
Check Capital One's eligibility information and any prequalification option. A credit score alone does not establish approval; income, debt and credit history also matter.
2
Gather your Social Security number, annual income, housing payment, and employer details before starting the application.
3
Apply directly through Capital One's official site or app to make sure you're getting current, accurate offer terms.
4
Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.
5
If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.
5% in rotating quarterly categories (up to $1,500/qtr), 1% everything else
Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.