Capital OneEditor's ChoiceBest for Simple flat rate
Capital One QuicksilverOne
Annual Fee
$0
Rewards Rate
1.5%
Intro Offer
None
Regular APR
19.99%-29.99% Variable
Capital One QuicksilverOne
Capital One QuicksilverOne
1.5% cash back on every purchase. No annual fee.
Our take
Straightforward 1.5% on everything. Good for gas and everyday spending when you want to keep it simple.
Highlights
What we like
Simple 1.5% on everything
No foreign transaction fee
The trade-off
No sign-up bonus
Is this card right for you?
Answer a few quick questions — we'll tell you if it fits your spending habits and credit profile.
Full details
Rewards & Perks
| Rewards rate | 1.5% |
| Rewards type | Cash back |
| Bonus categories | 1.5% on all |
| Welcome offer | None |
Fees & APR
| Annual fee | $0 |
| Intro APR (purchases) | 0% for 15 months |
| Ongoing APR | 19.99%-29.99% Variable |
| Foreign transaction fee | None |
Eligibility
| Recommended credit score | 580-740 |
Frequently asked questions
What credit score do I need?
This card typically requires a 580-740 credit score. Building or maintaining good credit before applying improves your approval odds.
Are there foreign transaction fees?
No — this card has no foreign transaction fee, making it an excellent choice for international travel and purchases.
How do I earn the welcome offer?
You need to meet spending requirements to earn: None. Terms apply — check the issuer's site for exact details.
Can I product-change or upgrade this card?
Many issuers allow product changes within the same card family. Contact the issuer directly after 12 months of card membership to ask about upgrade options.
Capital One QuicksilverOne