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What the bonus is worth: a flat $200 in your pocket — no points math and no transfer partners needed to get full value.
No annual fee, ever.
The simplest cash-back card going: one flat rate on everything you buy, a $200 bonus for $500 of ordinary spending, and no annual fee — nothing to optimize, nothing to remember. Before you apply, use Capital One's pre-approval check: it shows whether you'll be approved with no impact to your credit score, so looking costs you nothing. Want a higher flat rate instead? The Citi Double Cash pays 2% but has no 0% intro APR on purchases and charges foreign transaction fees — Quicksilver is the better all-rounder, especially for travel.
Anyone who wants one simple card that pays on everything with no annual fee — a strong first rewards card, and a good backup for spending that doesn't fall into another card's bonus category.
| Welcome bonus | $200 cash bonus |
|---|---|
| Spend requirement | $500 in the first 3 months |
| Annual fee | $0 (No annual fee, ever) |
| APR | 0% intro APR on purchases and balance transfers for 15 months, then 18.74%-28.74% variable |
| Earns | cash back |
| Network | Varies by approval |
| Checked | Oct 12, 2026 on Capital One's site |
Verified: Capital One's Quicksilver page, checked Oct 12, 2026: one-time $200 cash bonus after $500 in purchases in the first 3 months from account opening; unlimited 1.5% cash back on every purchase; 0% intro APR for 15 months on purchases and balance transfers, then 18.74%-28.74% variable; no annual fee; the bonus is not available if you received a new-cardmember bonus for this card in the past 48 months. Source: capitalone.com. Offers change; the issuer's page is final.
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Spend $500 on purchases in the first 3 months from account opening. Capital One credits the bonus to your rewards balance, and you can redeem it for any amount.
Answered by StackTheDealNo. Capital One's pre-approval tool uses a soft check, so you can see whether you're likely to be approved before you apply — your score is only affected if you go ahead with a full application.
Answered by StackTheDealIt's the classic flat rate: simple and unlimited. A 2% card pays slightly more on plain spending, but Quicksilver adds a 15-month 0% intro APR and no foreign transaction fees, which the best-known 2% card doesn't match.
Answered by StackTheDealIf you've received a new-cardmember bonus for the Quicksilver in the past 48 months, you're not eligible for another one. Existing Capital One cards don't block you.
Answered by StackTheDealNo. Rewards stay valid for the life of the account, and there's no minimum amount to redeem.
Answered by StackTheDeal
The easiest premium card to justify: $300 travel credit + 10,000 anniversary miles ≈ $400 back on a $395 fee, so you're holding a lounge card for about nothing.
This is unusually generous for a $95 card — the $300 credit is on top of the normal 75k, so you're looking at a four-figure first year for a sub-$100 fee.
$750 for $0 fee is the quiet star of this list.
Questions about this offer?
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