Capital One Quicksilver
What it earns, the welcome offer, the benefits and what the protection covers, and how it compares with 2% cards.
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No annual fee and cash back · Capital One
Welcome offer
$200 bonus
Annual fee
$0
$200 cash bonus after $500 in purchases in the first 3 months. Not available to anyone who received a bonus on this card in the past 48 months.
Intro APR: 0% on purchases and balance transfers for 15 monthsForeign transaction fees: NoneRewards: Cash back
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The Atelier Take
Easy, but a 2% card does the same job better.
Who it suits
People who want one simple no-fee card, including for travel abroad.
Who should skip it
Anyone happy to use a flat 2% card instead: on $2,000 a month, the difference is $120 a year.
What it earns
Rewards: cash back, which can also be converted to miles when paired with a Venture or Venture X card.
5%
Hotels, vacation rentals and rental cars booked through Capital One Travel
5%
Capital One Entertainment tickets
1.5%
Everything else
No caps or categories
Rewards are cash back that never expires and can be redeemed for any amount, as a check, statement credit or gift cards. Held alongside a Venture or Venture X, they can be moved to that account as miles.
Other benefits
Hertz Five Star status
A free status upgrade with Hertz.
Redeem at Amazon or PayPal
Rewards can pay for Amazon.com and eligible PayPal purchases.
Complimentary concierge
24-hour help with dining, entertainment and travel.
What it is worth
No annual fee, so nothing to earn back. On $2,000 a month, 1.5% returns $360 a year, against $480 on a flat 2% card.
Its strengths are simplicity, no foreign transaction fees and a 15-month 0% intro APR.
Insurance and protections
Capital One lists these protections on the card’s page; limits depend on the card’s network tier and are set out in the Guide to Benefits sent with the card. There is no trip delay, trip cancellation or cell phone cover listed.
Extended warranty
Additional warranty protection on eligible items bought with the card.
Travel accident insurance
Automatic cover when the fare is paid with the card.
24-hour travel assistance
Emergency card replacement and cash advance if the card is lost or stolen.
Pros and cons
Pros
- Nothing to track
- No annual fee and no foreign transaction fees
- 0% intro APR for 15 months
- Converts to miles alongside a Venture card
Cons
- 1.5% is below the 2% several no-fee cards pay
- No transfer partners on its own
- Few benefits
Card terms change often and some offers are personalized; the issuer’s page is the final word.