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Capital One

Capital One Quicksilver

4.5

Capital One Quicksilver offers unlimited 1.5% cash back on all purchases with no annual fee. It's a straightforward flat-rate card that pairs well with category-specific cards or serves as a reliable primary card.

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The Bottom Line

Quicksilver provides simple, flat-rate 1.5% cash back on all spending with zero annual fees. It's not as high-earning as some cards in specific categories, but the simplicity and lack of fees make it a reliable secondary card or for those avoiding complexity. For primary card use, Citi Double Cash (2%) or Chase Freedom Unlimited (1.5% + 3% first year) are stronger.

At a Glance

Annual FeeNone
Cash Back RateUnlimited 1.5% on all purchases
Bonus CategoriesNone
Card NetworkMastercard
NetworkMastercard
Rewards Rate

Ready to get started with Capital One Quicksilver?

Capital One Quicksilver offers unlimited 1.5% cash back on all purchases with no annual fee. It's a straightforward flat-rate card that pairs well with category-specific cards or serves as a reliable primary card.

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Pros & Cons

Pros

  • Unlimited 1.5% cash back on all purchases
  • No annual fee
  • No bonus categories to track
  • Simple, straightforward structure
  • Good backup card option

Cons

  • 1.5% is lower than Citi Double Cash (2%)
  • No bonus categories for elevated earning
  • Lower earning potential overall
  • No intro APR or welcome bonuses

Frequently Asked Questions

How does this compare to Citi Double Cash?
Citi Double Cash: 2% cash back. Capital One Quicksilver: 1.5% cash back. Both no-fee. Mathematically, Citi is superior at 2%. Quicksilver is a solid alternative if you prefer Capital One as your issuer.
Should I use this as my primary card?
It's adequate as a primary card for those prioritizing simplicity. However, Chase Freedom Unlimited (3% first year, 1.5% after) or Citi Double Cash (2%) provide better ongoing value. Quicksilver works better as a secondary card.