Jordan November 12th, 2019

Our Take

NerdWallet rating ?
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.5

The bottom line: If you're OK with a shorter interest-free window, other cards earn ongoing rewards or feature lower balance transfer fees.
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on Citibank's application

Capital One® Quicksilver® Cash Rewards Credit Card

ANNUAL FEE

$ 0

REGULAR AFR

INTRO APR

$150

RECOMMENDED CREDIT SCORE
550-1000

See your approval odds

Quick Facts

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
  • See if you qualify for a better offer with Capital One:

Pros & Cons

Pros

  • High rewards rate and no minimum redemption
  • No annual fee or foreign transaction fee
  • Intro APR period on Purchases and Balance Transfers
  • Sign-up bonus

Cons

  • Other cards have longer 0% periods
  • No bonus rewards categories
  • Requires good/excellent credit
Compare to Other Cards
Capital One® Quicksilver® Cash Rewards Credit Card
RECOMMENDED CREDIT SCORE

550- 1000

Best For

FLAT RATE + NO MINIMUM REDEMPTION

Annual fee

$ 0

Rewards rate

1.5%

Intro Offer

$150

Pros

Pros

  • High rewards rate and no minimum redemption
  • No annual fee or foreign transaction fee
  • Intro APR period on Purchases and Balance Transfers
  • Sign-up bonus

Cons

Cons

  • Other cards have longer 0% periods
  • No bonus rewards categories
  • Requires good/excellent credit