Capital One QuicksilverOne Cash Rewards

The QuicksilverOne earns the same 1.5% flat cash back as Capital One's no-fee Quicksilver, plus 5% on hotels and rental cars booked through Capital One Travel, and it waives foreign transaction fees. The difference is the $39 annual fee, which means you need roughly $2,600 of spending a year just to break even on the base rate before the card earns you anything. It also comes with no signup bonus and no intro APR offer, so there's no upfront value to offset that fee in year one. The regular APR is a flat 28.99%, high enough that carrying a balance would erase the rewards entirely. It makes sense only if you can't qualify for the no-fee version and want a straightforward card to use and pay off in full each month.