Capital One Quicksilver Cash Rewards
$200 welcome bonus · 5% on hotels & car rentals (via portal) · $0 annual fee
A $200 bonus after just $500 of spending in three months is one of the lowest hurdles you will find, and it sits on a no annual fee card that pays a flat 1.5% back on everything. That simplicity is the appeal: no categories to track, no caps to watch, and 15 months of 0% intro APR on both purchases and balance transfers before the 18.49% to 28.49% regular rate begins. Hotels and rental cars booked through Capital One Travel earn 5%, but only inside the portal, so direct bookings still earn the base 1.5%. The honest tradeoff is that 1.5% trails what a tiered cash back card returns on groceries, dining, or gas, which is why this lands at #8 on our Best Cash Back list rather than near the top. It is the right pick if you want one card and no thinking, and the lack of foreign transaction fees makes it usable overseas too.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels & Car Rentals (via Portal) | 5% |
Everything Else | 1.5% |
Card details
Regular APR | 18.49%–28.49% variable |
Intro APR on purchases | 0% for 15 months |
Intro APR on balance transfers | 0% for 15 months |
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
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Capital One Quicksilver Cash RewardsCapital One Quicksilver Cash RewardsBased on 4 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.