Does the Capital One Quicksilver Cash Rewards have an annual fee?

No. Our record lists a $0 annual fee for the Capital One Quicksilver Cash Rewards.

Is the Capital One Quicksilver Cash Rewards worth it in the first year?

Using our illustration ($12,000 of yearly spending), the first year comes out around $180 before credits, including a welcome bonus valued at $0. Year two drops to about $180 before credits.

What credit do I need for the Capital One Quicksilver Cash Rewards?

Our record lists "Good" credit as the typical target for the Capital One Quicksilver Cash Rewards. Capital One makes the final decision based on its own criteria.

Capital One Quicksilver Cash Rewards Credit Card

Capital One

No Annual Fee

Annual Fee

visaGoodcash-backno-annual-feeflat-rate5 months ago

Welcome Offer

(≈ $200)Spend $500 within 3 months

Check issuer terms ↗

OpenCard editorial analysis

Our take

A simple no-fee card with predictable rewards and no category activation. Its main advantage is operational ease rather than market-leading earning. It can work as a starter or backup card, particularly for someone who values no foreign transaction fee, but a stronger flat-rate card may earn more on the same domestic spending.

Best for

✓ People prioritizing simplicity
✓ Newer cardholders seeking a low-maintenance rewards card
✓ Travelers wanting a no-fee card without foreign transaction fees

Not ideal for

— People optimizing every percentage point of cash back
— Heavy category spenders
— Travelers seeking transfer partners or premium benefits

Conservative break-even test

With no annual fee, compare its flat return directly with other no-fee cards. Include foreign transaction savings if relevant, but do not let a welcome offer obscure a weaker long-term earning rate for your spending pattern.

Compare this shortlist →Track benefits in My Cards →

Compare alternatives

Wells Fargo Active Cash →

Higher flat cash return for many domestic purchases.

Capital One SavorOne →

Better fit when dining and entertainment dominate spending.

OpenCard analysis

Is the Capital One Quicksilver Cash Rewards Credit Card right for you?

The Capital One Quicksilver Cash Rewards is a no-annual-fee cash-back card from Capital One. It earns a flat 1.5% on purchases. With no fee, it only needs to beat the flat rate your current card already pays.

Who it's for

✓ Anyone who wants flat-rate rewards without paying an annual fee
✓ People who want one rate (1.5%) everywhere without tracking categories

First-year value estimate

Welcome bonus

Rewards on spending

$180

Annual fee (year 1)

−$0

Year 1, before credits

$180

Year two, without the welcome bonus: about $180 before credits ($180 in rewards minus the $0 fee).

Assumptions

$12,000 a year of purchases at 1.5%, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
No welcome bonus is listed in our record, so none is counted.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-25.

How it compares

Wells Fargo Active Cash →

Wells Fargo, same $0 annual fee; earns 2% on everything.

Capital One SavorOne Rewards →

Capital One, higher fee ($39 vs $0); earns 8% on Capital One Entertainment.

Bank of America Travel Rewards →

Bank of America, same $0 annual fee; earns 1.5% on everything.

Compare side by side →

Rules and gotchas

The welcome bonus requires $500 in 3 months — roughly $167 a month. That fits inside the $1,000 a month in our illustration.

Frequently asked questions

Does the Capital One Quicksilver Cash Rewards have an annual fee?: No. Our record lists a $0 annual fee for the Capital One Quicksilver Cash Rewards.
What does the Capital One Quicksilver Cash Rewards earn?: A flat 1.5% on purchases.
Is the Capital One Quicksilver Cash Rewards worth it in the first year?: Using our illustration ($12,000 of yearly spending), the first year comes out around $180 before credits, including a welcome bonus valued at $0. Year two drops to about $180 before credits.
What credit do I need for the Capital One Quicksilver Cash Rewards?: Our record lists "Good" credit as the typical target for the Capital One Quicksilver Cash Rewards. Capital One makes the final decision based on its own criteria.