Best Rewards Credit Cards

Capital One Quicksilver Cash Rewards for Good Credit Review: Simplified Spending with Great Returns

CapOne Quicksilver: 1.5% cash back on all, 5% on travel, $0 annual fee.

Rickie C. Keys, Ph.D., MPH

19 Apr 2024 — 1 min read

Features

Cash Back Rates:
- Everyday Purchases: Earn unlimited 1.5% cash back on every purchase, every day.
- Travel Bookings: Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Annual Fee: $0, making it accessible for regular use without extra costs.
APR: 29.99% variable APR on purchases and transfers.
Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater.

Benefits

No Bonus Restrictions: While there’s no new cardmember bonus cash or 0% intro APR, you can still benefit from the consistent cash back rates.
Travel Rewards: Excellent cash back rate on travel expenses when booked through Capital One's portal.
Uber One Membership: Complimentary credits for Uber One membership valid through November 14, 2024.
No Foreign Transaction Fees: Ideal for international purchases without additional charges.
$0 Fraud Liability: Protection against unauthorized charges, offering peace of mind.

Drawbacks

High APR: The 29.99% variable APR could be costly if balances are carried month to month.
No Introductory Bonuses: Lacks the typical introductory offers such as bonus cash or reduced APR periods that other cards might provide.

Product Summary

The Capital One Quicksilver Cash Rewards for Good Credit card offers a straightforward cash back program with 1.5% back on all purchases and 5% back on specific travel expenses. This card is designed for those with good credit who want a no-fuss, rewarding credit card experience, especially in travel bookings. The absence of an annual fee and foreign transaction fees makes it a compelling choice for both domestic and international use. However, the high APR demands attention as carrying a balance can become expensive. It’s ideal for users who pay off their balances each month to avoid interest charges.

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