How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Citi is an advertising partner.
Earning credit card rewards doesn’t get much more straightforward than using the Capital One Quicksilver Cash Rewards Credit Card. The card lets you earn 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). Plus, there’s a generous, easy-to-earn sign-up bonus, as well as an intro APR on purchases and balance transfers.*
That said, you can find cards that offer better cash back rates in bonus categories, those cards typically only offer 1% back on general purchases.
Intro Purchase APR
0% intro on purchases for 15 months
Regular Purchase APR
19.74% - 29.74% (Variable)
Intro BT APR
0% intro on balance transfers for 15 months (Balance transfer fee applies)
Regular BT APR
19.74% - 29.74% (Variable)
Annual Fee
$0
Cash Advance Fee
5% of the amount of the cash advance, but not less than $5
Foreign Transaction Fee
None
Balance Transfer Fee
Balance transfer fee applies
Simple cash back rewards
If you want a simple approach to earning rewards, you’ll be happy to know that this card doesn’t have rotating categories or spending caps to keep track of. Instead, you’ll earn 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
Cash back rewards never expire and can be used to cover a recent purchase or redeemed a variety of ways, including for statement credits and gift cards.
$0 annual fee
Credit cards like the $0 annual fee Capital One Quicksilver Cash Rewards Credit Card save you money each and every year, since you aren’t paying for the convenience of using a credit card.
Easy-to-earn sign-up bonus
With the Capital One Quicksilver Cash Rewards Credit Card, you’ll earn a earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. According to a LendingTree study, the average credit card sign-up bonus in 2022 was $157 — making this a competitive bonus for a $0-annual-fee card.
Plus, the card only requires you to spend approximately $167 per month for three months to earn the sign-up bonus.
Intro APR on purchases and balance transfers
If you need to finance a large purchase, the Capital One Quicksilver Cash Rewards Credit Card offers an interest-free period on purchases for more than a year. You’ll get an APR of 0% intro on purchases for 15 months. Following that, a 19.74% - 29.74% (variable) applies.
And if you want to consolidate credit card debt, you can take advantage of the APR of 0% intro on balance transfers for 15 months (Balance transfer fee applies), then a 19.74% - 29.74% (variable).
Foreign transaction fee: None
You can take the Capital One Quicksilver Cash Rewards Credit Card card with you when you travel outside of the U.S., since you won’t be charged additional fees to use the card.
By comparison, many cards charge fees ranging from 3% to 5% of the amount of each transaction when you use it to make purchases abroad.
Low cash back rewards rate
Although this card offers an elevated rewards rate on every purchase, there are cards available that offer an even higher cash back rate on general purchases, like the Citi Double Cash® Card or the Wells Fargo Active Cash® Card.
Balance transfer fee
If you transfer a balance to the Capital One Quicksilver Cash Rewards Credit Card, a balance transfer fee applies. While this fee is common, there are a few no-balance-transfer-fee credit cards available. However, you should know that those cards typically offer shorter interest-free periods than cards that charge balance transfer fees.
If you want a $0-annual-fee flat-rate card with an even longer interest-free period on balance transfers, the Citi Double Cash® Card may be a better choice. You’ll earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
You’ll also get an intro APR of 0% intro apr for 18 months on balance transfers. After that, a 18.74% - 28.74% (variable) APR applies. Unfortunately, there is no intro APR for regular purchases, so this wouldn’t be a good card for financing a new purchase.
Rewards are earned as Citi ThankYou® points; they can be redeemed for cash back as statement credits, direct deposits, checks, travel, merchandise or gift cards, or transferred to select Citi hotel and airline partners.
If you prefer a card that offers a higher cash back rate in popular spending categories — but also don’t mind earning a lower rate on general purchases — the Blue Cash Everyday® Card from American Express may be a better fit.
The card lets you earn 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply. Cash back is easily redeemable for statement credits.
There’s a $0 annual fee, and you can enjoy an intro APR of 0% on purchases for 15 months, then an 18.74%-29.74% variable APR. You’ll also get an intro APR of 0% on balance transfers for 15 months, followed by a 18.74%-29.74% variable APR.
And like the Citi Double Cash® Card, the Blue Cash Everyday® Card from American Express charges foreign transaction fees if you use it to make purchases outside the U.S.
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Annual Fee | |
|---|---|---|---|---|---|
Capital One Quicksilver Cash Rewards Credit Card
 Apply Now
on Capital One's secure site Rates & Fees |
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening | 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) | $0 |
Apply Now
on Capital One's secure site Rates & Fees |
|
Citi Double Cash® Card
Apply Now
on Citibank's secure site Rates & Fees |
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. | Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. | $0 |
Apply Now
on Citibank's secure site Rates & Fees |
|
|
Blue Cash Everyday® Card from American Express
|
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. | 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply. | $0 | ||
Capital One QuicksilverOne Cash Rewards Credit Card
Apply Now
on Capital One's secure site Rates & Fees |
N/A | 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) | $39 |
Apply Now
on Capital One's secure site Rates & Fees |
With no annual fee to cut into the cash back rewards you earn on every purchase and a sign-up bonus spend requirement that can easily be reached during the first month, this card is ideal if you like to keep things sweet and simple.
If you like what the Capital One Quicksilver Cash Rewards Credit Card has to offer, but you don’t have good / excellent credit consider one of the other cards in the Quicksilver family of cards:
But if you’d like to maximize your spending, consider cards that earn higher rewards on the items you buy the most. For example, consider the Blue Cash Everyday® Card from American Express if you spend heavily at U.S. supermarkets and U.S. gas stations or on U.S. online retail purchases. Or, for a higher cash back rate on general purchases, the Citi Double Cash® Card may be a better fit.
Apply Now
The information related to the Wells Fargo Active Cash® Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.
*To see rates & fees for Blue Cash Everyday® Card from American Express, please click here.For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply.
The information related to the Wells Fargo Active Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
