Capital One Quicksilver Cash Rewards
A Capital One Mastercard card with no annual fee. Here's what it pays back after that fee for three spending profiles, simulated month by month. Terms verified Oct 5, 2026.
What it's worth
5 years, the welcome offer counted when the profile's own spending reaches it, rewards valued as cash. Merchant credits like Uber or DoorDash aren't counted for typed profiles.
| Profile | Year 1 | Then yearly | 5 years |
|---|---|---|---|
| Everyday spender About $2,000 a month, mostly groceries and errands, one trip a year. | $560 | $360 | $2,000 |
| Balanced About $3,500 a month with a few trips a year and regular dining out. | $830 | $630 | $3,350 |
| Frequent traveler About $5,000 a month, heavy on flights, hotels and restaurants, some trips abroad. | $1,100 | $900 | $4,700 |
Your spending isn't one of our profiles. Drop in a year of statements and see where the Quicksilver ranks against every card we track. They're read on this device and never uploaded.
Terms
| Term | Quicksilver |
|---|---|
| Issuer and network | Capital One, Mastercard |
| Annual fee | None |
| Requires | Nothing extra |
| Welcome offer | $200 after $500 in 3 months |
| Earning | 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel · 5% cash back on Capital One Entertainment ticket purchases · 1.5x on everything else |
| Rewards currency | Capital One cash rewards |
| Statement credits | None |
| Lounges | None |
| Foreign transaction fee | None |
| Authorized users | No fee |
| Availability | Open to new applicants |
| Verified | Oct 5, 2026 |
Checked against the issuer's page. Dates and sources for each part.
Fine print
- 0% intro APR on purchases and balance transfers for 15 months, then 18.74%, 24.74% or 28.74% variable. Balance transfer fee: 3% on balances transferred in the first 15 months, then 4% on any later promotional-APR transfer, and none at the regular APR afterward. No minimum dollar fee.
- Cash back redeems 1:1 as a statement credit or check, in any amount.
- Since early 2026 some NEW Quicksilver accounts are being issued on Capital One's Discover network (benefit-guide reports, TheStreet/PYMNTS/U.S. News). Applicants are told the network during the application.
- In May 2026 Capital One moved SOME EXISTING Quicksilver/QuicksilverOne cardholders to Discover-network cards that add 3% at grocery stores and gas stations (NerdWallet, 2026-04-23).
- No foreign transaction fee (product page).