On this page11 sections
- Ratings and complaints
- Capital One Quicksilver vs. competitors
- the Capital One Quicksilver value for the price
- Quicksilver rates and fees
- Is Quicksilver a Visa, Mastercard or Discover?
- Quicksilver vs. QuicksilverOne and other versions
- Capital One complaints and what cardholders report
- Who should skip the Quicksilver
- What customers say
- Alternatives
- FAQ
The Capital One Quicksilver is a simple, no-annual-fee card that earns 1.5% cash back on every purchase, with a $200 bonus after you spend $500 in the first 3 months and a low intro APR for 15 months. It suits people who want one flat rate and no foreign transaction fees, but 2% flat-rate cards like Wells Fargo Active Cash and Citi Double Cash pay more on everyday spending. Since Capital One bought Discover in May 2025, new Quicksilver cards are reported to be issued on the Discover network, which is accepted at fewer merchants abroad than Visa or Mastercard.
- Annual fee
- $01
- Rewards
- Unlimited 1.5% cash back on every purchase; rewards don't expire for the life of the account and can be redeemed for any amount1
- Welcome bonus
- $200 after $500 in purchases within 3 months of opening; not available if you got a Quicksilver new cardmember bonus in the past 48 months (as listed October 2026)2
- Intro APR
- Capital One lists a low intro APR for 15 months; card sites report it as 0% on purchases and balance transfers2
- Regular APR
- 18.49% to 28.49% variable, per Capital One's product page data1
- Foreign transaction fee
- None1
- Credit needed
- Excellent credit for Quicksilver; Capital One sells separate versions for good credit, fair credit (QuicksilverOne, $39 a year), students and a secured card with a $200 minimum deposit2
- Issuer
- Capital One, which completed its acquisition of Discover on May 18, 20254
Pros
- $0 annual fee and no foreign transaction fees
- Flat 1.5% cash back with no categories or caps
- $200 bonus after only $500 in spending
- Rewards don't expire and can be redeemed for any amount
- Versions for fair credit, students and a secured card
Cons
- 1.5% is below the 2% flat rate some no-fee cards pay
- Regular APR of 18.49% to 28.49% after the intro period
- New cards reportedly on the Discover network, with weaker acceptance in some countries
- Excellent credit needed for the version with the bonus and intro APR
Best for: People with strong credit who want one simple cash back card with no annual fee and no foreign transaction fees.
Skip it if: You can get approved for a 2% flat-rate card, or you travel abroad where Discover acceptance is limited.
Capital One Quicksilver vs. competitors
| Company | Annual fee | Everyday rate | Bonus categories | Intro APR on purchases | Foreign transaction fee |
|---|---|---|---|---|---|
| Capital One Quicksilver | $0 | 1.5% | None listed on Capital One's page | Low intro APR for 15 months | None |
| Chase Freedom Unlimited | $0 | 1.5% | 5% Chase Travel, 3% dining and drugstores | 0% for 15 months | 3% |
| Wells Fargo Active Cash | $0 | 2% | None | 0% for 12 months | 3% |
| Citi Double Cash | $0 | 2% (1% when you buy, 1% when you pay) | Extra on Citi Travel bookings | None (balance transfers only) | Not shown on Citi's page |
the Capital One Quicksilver value for the price
It’s worth it if you value simplicity: 1.5% back on everything, a $0 annual fee, no foreign transaction fees, and a $200 bonus with a low $500 spending requirement. On $1,500 a month of spending, 1.5% returns $270 a year; a 2% card returns $360 on the same spending, so the difference is real if you spend a lot.
Capital One’s product page in October 2026 lists only the 1.5% rate. Earlier versions of this card advertised 5% on hotels, vacation rentals and rental cars booked through Capital One Travel; that rate no longer appears on the current page, so check the rewards terms before you count on it.
Quicksilver rates and fees
- Annual fee: $0.
- Intro APR: Capital One lists a low intro APR for 15 months; card sites report it as 0% on purchases and balance transfers.
- Regular APR: 18.49% to 28.49% variable, based on your credit.
- Balance transfer fee: reported as 3% on balances moved in the first 15 months.
- Foreign transaction fee: none.
Read the “important rates and disclosures” box on the application page for your exact terms, including cash advance and late fees, before you apply. Interest will wipe out 1.5% cash back quickly if you carry a balance.
Is Quicksilver a Visa, Mastercard or Discover?
Capital One completed its purchase of Discover on May 18, 2025, which gave it the Discover, PULSE and Diners Club networks. Trade press reported in March 2026, based on updated benefits guides, that new Quicksilver cards are issued on the Discover network and that existing Visa or Mastercard cards are expected to move when they expire. Capital One’s own customer reviews include cardholders who say the switch to Discover made the card harder to use abroad.
Discover is widely accepted in the U.S. If you travel internationally, check acceptance in the countries you visit and carry a backup Visa or Mastercard.
What customers say about Capital One Quicksilver
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- One flat cash back rate with nothing to track
- No annual fee and no foreign transaction fees
- Rewards that never expire and redeem for any amount
- Reliable tap-to-pay and an easy mobile app
Common complaints
- High interest after the intro period for people who carry a balance
- Requests to lower the APR turned down
- Lower acceptance abroad after cards moved from Visa or Mastercard to Discover
- Disputed charges and statement problems, the top CFPB complaint issue for Capital One cards
Quicksilver vs. QuicksilverOne and other versions
Capital One sells five versions that all earn 1.5%: Quicksilver (excellent credit, $0 fee, $200 bonus), Quicksilver for Good Credit ($0 fee), QuicksilverOne for fair credit ($39 annual fee), Quicksilver for Students ($0 fee, $50 bonus after $100 in 3 months) and Quicksilver Secured ($0 fee, $200 minimum refundable deposit). Capital One’s pre-approval check shows which you qualify for in about 90 seconds without affecting your credit score.
Capital One complaints and what cardholders report
Quicksilver earns 4.5 out of 5 from 6,529 reviews on Capital One’s own site, where cardholders praise the flat rate and lack of fees. The CFPB database holds 29,514 complaints about Capital One credit cards in general from October 2023 to October 2026; the most common issues are problems with a purchase on a statement, getting a card, and fees or interest. Capital One responded on time to almost all of them.
If you have a billing dispute, call Capital One and also send a written billing error notice within 60 days after the charge appeared on your statement to keep your federal billing dispute rights, and file with the CFPB at consumerfinance.gov if it isn’t resolved.
Who should skip the Quicksilver
Skip it if you can qualify for a 2% flat-rate card and don’t need the no-foreign-fee feature, if you plan to carry a balance after the intro period, or if you travel to places where Discover isn’t widely accepted. Big spenders on groceries and dining will usually earn more with a category card such as Capital One Savor or Chase Freedom Unlimited.
Alternatives to Capital One Quicksilver
- Wells Fargo Active Cash Pays a flat 2% instead of 1.5%, so it earns more on the same spending if you don't travel abroad often. Read review
- Citi Double Cash Also 2% flat (1% when you buy, 1% when you pay) and better for moving a balance from another card. Read review
- Chase Freedom Unlimited Same 1.5% base but adds 3% on dining and drugstores, which beats Quicksilver if those are big categories for you. Read review
- Capital One Savor Better if most of your spending is groceries, dining and entertainment, which earn 3% with no annual fee. Read review
Capital One Quicksilver reviews
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Frequently asked questions
Does the Capital One Quicksilver have an annual fee?
No, the Quicksilver has a $0 annual fee. The QuicksilverOne version for fair credit costs $39 a year.
What credit score do you need for Capital One Quicksilver?
Capital One lists the main Quicksilver for excellent credit. It also sells a Quicksilver for good credit, QuicksilverOne for fair credit, a student version and a secured version, and its pre-approval tool shows offers without a hard credit check.
What is the Quicksilver welcome bonus?
A one-time $200 cash bonus after you spend $500 on purchases within 3 months of opening the account. You aren't eligible if you got a new cardmember bonus on this product in the past 48 months.
Is Capital One Quicksilver a Visa, Mastercard or Discover?
Older cards were issued on Visa or Mastercard. Since Capital One bought Discover in 2025, new Quicksilver cards are reported to be issued on the Discover network, with existing cards switching at renewal. Check the logo on your card.
Does Quicksilver still earn 5% on travel?
Capital One's October 2026 product page lists only 1.5% cash back on every purchase and no longer shows the 5% Capital One Travel rate earlier versions advertised. Check the current rewards terms before booking for the bonus.
Does Quicksilver charge foreign transaction fees?
No. Capital One says you won't pay a transaction fee on purchases made outside the U.S.
What is the Quicksilver APR?
The regular variable APR is 18.49% to 28.49%, based on your credit. There is a low intro APR for the first 15 months, which card sites report as 0% on purchases and balance transfers.
How do you redeem Quicksilver cash back?
For any amount, as a statement credit, a check, to cover a recent purchase, or for gift cards. Rewards don't expire while the account is open.
Is Quicksilver better than Chase Freedom Unlimited?
Both earn 1.5% base with no annual fee. Freedom Unlimited adds 3% on dining and drugstores and 5% on Chase Travel but charges a 3% foreign transaction fee, while Quicksilver has no foreign fee.
Can you upgrade from QuicksilverOne to Quicksilver?
Capital One's product pages don't describe an upgrade path. Call the number on your card or check your online account to ask whether a product change is available to you.
Sources (9)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- Capital One: Quicksilver cash back rewards card (accessed October 12, 2026)
- Capital One: Cash back credit cards (offer details and footnotes) (accessed October 12, 2026)
- PaymentsJournal: Capital One starts migrating core cards to Discover network (March 3, 2026) (accessed October 12, 2026)
- Business Wire: Capital One completes acquisition of Discover (accessed October 12, 2026)
- SEC EDGAR: Capital One Financial Form 10-Q for the quarter ended June 30, 2026 (accessed October 12, 2026)
- CFPB: Consumer complaints, Capital One credit cards (accessed October 12, 2026)
- Experian: Capital One Quicksilver Cash Rewards Credit Card details (accessed October 12, 2026)
- Apple App Store: Capital One Mobile (accessed October 12, 2026)
- CFPB: How do I dispute a charge on my credit card bill? (accessed October 12, 2026)
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