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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Capital One Quicksilver Rewards Card card art
Quicksilver Rewards 1 of 1
Comparing 1 card
Cost and value $0 fee
Annual fee
$0
Credits you can use a year, if you use every one
None
Fee after credits
$0
Point value per point or mile
1.00¢ Fact
Rewards currency
Cash back
Foreign transaction fee
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus $200 statement credit, about $200
Bonus
$200 statement credit
Estimated value
$200
Spend to earn it less a month is easier
$500 in 90 days about $167 a month
Earning rates Top rate 5% back
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Hotels
1.5% back the everything-else rate
  • 5% back via the issuer portal, about 5.0%
Everything else
1.5% back
Only on this card
  • 5% back Brand purchases
Statement credits No credits
Monthly credits to track fewer is less work
0
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel Hertz Gold Plus Rewards Five Star
Elite status
  • Hertz Gold Plus Rewards: Five Star after you enroll
Travel benefits
  • Enjoy comprehensive, personalized assistance with dining, entertainment and travel 24 hours a day, 365 days a year.
Protection and insurance 2 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Extended warranty
  • Receive additional warranty protection at no charge on eligible items purchased with your Capital One credit card.
Other coverage
  • Get automatic travel accident insurance for a covered loss at no extra charge when you use your credit card to purchase your travel fare.
Lifestyle and other perks 1 perk
Other perks
  • Capital One cardholders enjoy 50% off all handcrafted beverages every day at any Capital One Cafe nationwide.
Authorized users Free
Cost
Authorized users are free.
Each one gets
  • Extended warranty
  • Travel accident insurance
Application rules 1 per 6 months
Issuer approval rules
  • 1 per 6 months Rumored, inconsistent
    What counts

    Capital One is commonly reported to approve at most 1 of its cards per 6 months.

Bonus eligibility
Not listed
Card type
Personal