Capital One Quicksilver Cash Rewards

Simple Cash Back with No Annual Fee

Annual Fee $0

Earning Rate 5% hotels via Capital One Travel • 5% rental cars via Capital One Travel • 1.5% everything else

Welcome Bonus $200 after $500 spend in 3 months

Card Material Plastic card with matte finish • colors: Silver

Practical Recommendation

Quicksilver is for people who want cash back without homework. You'll earn a flat 1.5% everywhere and 5% on hotels and rental cars when you book through Capital One Travel. Redemptions are simple: take statement credits or deposit to a bank account.

If you want airport lounges, airline transfers, or chunky travel credits, this isn't that. Pair it with a travel card later, or enjoy the $0 annual fee and keep it simple.

Perks

Earning, at a glance – 1.5% back on everything; 5% back on hotels and rental cars booked through Capital One Travel. Use the portal when prices match or beat booking direct.
No foreign transaction fees – Good for international trips or foreign merchants; avoids the usual 1–3% surcharge many cards add.
Virtual card numbers (Eno) – Generate merchant-locked numbers for safer online shopping and easy cancellations via the Capital One browser extension.

Protections

Rental car insurance (secondary collision damage waiver) – Covers damage or theft to the rental car when you pay with the card; it's secondary to your personal auto policy and does not cover liability.
Purchase protection – Helps with theft or accidental damage on eligible new purchases for a short window after purchase (limits and exclusions apply; see your Guide to Benefits).
Extended warranty – Adds extra warranty time on eligible items beyond the manufacturer's warranty (coverage varies; see your Guide to Benefits).

Hybrid (Optional): Convert Cash to Miles

Quicksilver is an easy, guaranteed 1.5% back. If you want extra value, pair it with Capital One Venture or Venture X: move your Quicksilver rewards into that account, then transfer to partners like United-adjacent via Aeroplan, JetBlue, or British Airways Avios for redemptions that can beat the usual 1¢-per-point math. It's optional and a bit advanced—you'll need to learn award bookings and stay flexible. Think $500 in cash vs. potentially $750–$1,000+ in flights if you catch a good transfer deal. — check out our Level 2 Travel section.