The Credit Ledger Card review
Capital One Quicksilver Cash Rewards review
Capital One · Visa
Best simple flat-rate cash back card with an intro APR offer
| Annual fee | No annual fee |
|---|---|
| Welcome bonus | $200 cash bonus after $500 spend in 3 months |
| Rewards rate | Up to 1.5% cash back |
| Intro APR (purchases) | 0% intro APR for 15 months |
| Intro APR (balance transfers) | 0% intro APR for 15 months |
| Regular APR | 18.49% to 28.49% variable |
| Foreign transaction fee | None |
| Recommended credit | Excellent (740-850) |
Rewards
- 1.5% cash back All purchases
- 5% cash back Hotels and rental cars booked via Capital One Travel
Key perks
- No foreign transaction fees
- No annual fee
- Cash back does not expire for the life of the account
- Capital One travel and shopping benefits
Pros
- Flat 1.5% on every purchase with no categories
- No annual fee and no foreign transaction fee
- 0% intro APR on purchases and balance transfers for 15 months
- Easy-to-reach $200 welcome bonus
Cons
- 1.5% base rate trails 2% flat-rate competitors
- Balance transfer fee of 3% during the intro period
- Higher rewards only via the Capital One Travel portal
- Best approval odds require excellent credit
The bottom line
Capital One Quicksilver Cash Rewards scores 3.9 out of 5 in our rubric. Best simple flat-rate cash back card with an intro APR offer. Current welcome offer: $200 cash bonus after $500 spend in 3 months.
Rates and offers verified 2026-07. Terms change often, so confirm the current details on the issuer's site before you apply.