Capital One Quicksilver
No fee
Capital One
Capital One Quicksilver
4.4
(2,310 reviews)cashback
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026Earn 1.5% unlimited cash back on every purchase with no categories to track, no annual fee, and no foreign transaction fees. A reliable everyday card for simplicity seekers — and one of the few flat-rate cards that also works internationally without the typical 3% foreign transaction surcharge.
Annual Fee
No annual fee
Purchase APR
19.99% – 29.99%
Rewards
1.5% base rate
Sign-Up Bonus
$200 value
Credit Score
Good (670-749)
Foreign Txn Fee
None
Who Should Get This Card
The Capital One Quicksilver is best suited for established credit users who those who prefer simplicity over maximizing categories. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- Simple 1.5% on everything
- No annual fee
- No foreign transaction fees
- Those who prefer simplicity over maximizing categories
Consider another card if you…
- Lower rate than category-specific cards
- No bonus categories
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 19.99% – 29.99% |
| Intro APR (Purchases) | 0% for 15 months |
| Intro APR (Balance Transfer) | 0% for 15 months |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
Simple 1.5% on everything
No annual fee
No foreign transaction fees
Intro APR offer
Lower rate than category-specific cards
No bonus categories
The Bottom Line
The Good: The Capital One Quicksilver stands out for its simple 1.5% on everything. The welcome bonus worth $200 adds significant first-year value. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: Lower rate than category-specific cards.
Our Verdict: The Capital One Quicksilver scores 7/10 — a solid option for those who prefer simplicity over maximizing categories. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the Capital One Quicksilver?▾
The Capital One Quicksilver has no annual fee — you'll never be charged just for keeping the card open.
What is the sign-up bonus for the Capital One Quicksilver?▾
The Capital One Quicksilver currently offers a sign-up bonus worth approximately $200. $200 after spending $500 in 3 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the Capital One Quicksilver?▾
The Capital One Quicksilver earns 1.5% on all purchases. Rewards are earned as cash back credited to your statement.
What credit score do I need for the Capital One Quicksilver?▾
The Capital One Quicksilver is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Capital One Quicksilver charge a foreign transaction fee?▾
No — the Capital One Quicksilver has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the Capital One Quicksilver?▾
The Capital One Quicksilver has a variable purchase APR of 19.99% – 29.99%, with a 0% intro APR for the first 15 months. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Capital One Quicksilver best for?▾
The Capital One Quicksilver is best for Those who prefer simplicity over maximizing categories. A key advantage: simple 1.5% on everything.
Customer Reviews
4.5
2,310 reviews
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SM
Steve M.Verified CardholderOct 22, 2026
Simple and effective
No thinking required — 1.5% on everything. Perfect for people who don't want to track categories.
NW
Nancy W.Verified CardholderAug 30, 2026
My go-to no-fee card
Been using this for 5 years. No annual fee, no foreign transaction fees, and straightforward rewards. Can't complain.
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