Capital One Quicksilver Credit Card Review 2024: Is It Right for You?

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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Capital One Quicksilver Credit Card Review 2024: Is It Right for You?","alternativeHeadline":"Capital One Quicksilver Credit Card Review 2024: Benefits, Features, and Expert Insights","image":{"@type":"ImageObject","url":"https://i.insider.com/60ad13febee0fc0019d594cb?width=1200&format=jpeg","width":1200,"height":900},"name":"Capital One Quicksilver Credit Card Review 2024: Benefits, Features, and Expert Insights","datePublished":"2024-09-30T21:05:32Z","dateModified":"2024-09-30T21:05:32Z","description":"Our expert insights on the Capital One Quicksilver Credit Card help you evaluate benefits, features, and fees, including a flat 1.5% cash back rate.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex®. The details for these products have not been reviewed or provided by the issuer.The Quicksilver Cash Rewards Card does double-duty as one of the best cash back credit cards around that's also one of our top picks for a no-annual-fee credit card (rates and fees).Earn unlimited 1.5% cash back on purchases.$00% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time)19.74% - 29.74% VariableEarn a one-time $200 cash bonusGood to ExcellentIf you want to earn cash back with minimal effort and no annual fee, the Quicksilver Cash Rewards Card is a good option. Some cards offer a higher rate of cash back, but there are tradeoffs, such as foregoing a welcome bonus offer or keeping track of bonus categories that earn more rewards.The Capital One Quicksilver Cash Rewards Credit Card is one of the easiest cards to use because you don't have to worry about tracking bonus reward categories.This card's key features and benefits include its simple rewards scheme and lack of annual fee. There are four main types of cash-back credit cards, and the Capital One Quicksilver Cash Rewards Credit Card falls into the flat-rate rewards category. This means you earn the same amount of cash back — 1.5% in this case — on most purchases.The Capital One Quicksilver Cash Rewards Credit Card earns 5% cash back on one specific bonus category: hotel and car rental bookings made through the Capital One Travel portal. You'll also get a handful of travel and shopping benefits, including no foreign transaction fees on international purchases (rates and fees). New cardholders can earn a generous welcome offer: one-time $200 cash bonus once you spend $500 on purchases within three months of account opening. You'll earn a straightforward 1.5% cash back on all purchases, plus 5% back on hotel and car rental bookings through Capital One Travel. You can redeem your rewards from the Capital One Quicksilver Cash Rewards Credit Card for a check in the mail or a statement credit. It's also possible to redeem rewards for gift cards, and your rewards will never expire as long as your account is open.Unlike some other cash-back credit cards, there's no minimum redemption amount with the Capital One Quicksilver Cash Rewards Credit Card. You can also set up automatic redemptions, either at a set time each calendar year or when your rewards reach certain thresholds: $25, $50, $100, $200, $500, or $1,500.The Capital One Quicksilver Cash Rewards Credit Card doesn't come with a ton of benefits, but there are a handful that could save you money if you make use of them.One of the biggest benefits of the Capital One Quicksilver Cash Rewards Credit Card is the 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time), then 19.74% - 29.74% Variable APR (rates and fees).The card's zero-interest introductory period makes it easy to pay off big purchases over time without incurring huge interest charges. Just be sure you set aside money to pay off your balance before the introductory APR period expires. And check out our list of the best balance transfer credit cards for more options.When you use your Capital One Quicksilver Cash Rewards Credit Card to pay for eligible items that come with a manufacturer's warranty, Capital One will provide extended warranty protection at no charge.When you use your Capital One Quicksilver Cash Rewards Credit Card to purchase the fare for your trip, you'll be eligible for automatic travel accident insurance for covered losses.If you're traveling and your card is lost or stolen, you can get an emergency replacement, as well as a cash advance, to help you on your way. Capital One Quicksilver Cash Rewards Credit Card cardholders can access a concierge service 24 hours a day to help with things like dining reservations, event tickets, and travel bookings. The concierge service itself is free, but any third-party costs are your responsibility.The Capital One Quicksilver Cash Rewards Credit Card gets you access to VIP experiences like curated dinners and chef collaborations, discounts, and on-site perks at sports and concert events. To take advantage of this benefit, you'll need to use your card to purchase your tickets. Cardholders receive alerts via text, email, or phone call if Capital One detects suspicious transactions or unexpected charges on the card, and can help you quickly unauthorized card use.If your card is lost or stolen, you won't be held responsible for unauthorized charges made to your account. If you want to pay for purchases online without revealing your actual card number, you can generate a virtual card number for more security. Cardholders can easily and instantly lock their account if their card is lost, stolen, or temporarily misplaced to prevent unauthorized charges.You can receive alerts when information on your Experian or TransUnion credit report changes, like new account inquiries, credit score updates, or address changes.The Capital One Quicksilver Cash Rewards Credit Card does not charge an annual fee and doesn't add foreign transaction fees, so it's a good pick to use for travel abroad (rates and fees).As with most cards, there may be fees for late payments, balance transfers (3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time), and cash advances. There are other cash-back cards that offer a similar intro bonus and potentially greater rewards on everyday spending, if you're willing to keep track of bonus categories. They may also offer a higher rate of cash back, but with some/ tradeoffs, such as foregoing a welcome bonus offer or keeping track of bonus categories that earn more rewards.For example, the Chase Freedom Unlimited and Chase Freedom Flex® \n earn up to 5% back in certain categories, so depending on your spending habits, one of these cards could be a better fit for you.And if you're looking for a no-annual-fee card that has a higher rate of return on purchases, the Wells Fargo Active Cash® Card is hard to beat. You'll earn 2% cash rewards on purchases with no limit to what you can earn, along with a welcome bonus of $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening.If you want to stay in the Capital One ecosystem, we have a full comparison of the Capital One Quicksilver versus the Capital One Platinum. However, note that the Platinum card does not earn cash back, and is best suited for people who are prioritizing building credit.The Chase Freedom Unlimited® has a $0 annual fee, just like the $0-annual-fee Capital One Quicksilver Cash Rewards Credit Card (rates and fees). The Chase Freedom Unlimited® earns rewards at the following rates: In contrast, the Capital One Quicksilver Cash Rewards Credit Card only earns 5% cash back on hotels and rental cars booked through Capital One Travel, then 1.5% cash back on all other purchases.New Chase Freedom Unlimited® cardholders can earn a good welcome bonus: additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year). They can also take advantage of a 0% intro APR period: 0% intro APR on purchases and balance transfers for the first 15 months, then a 19.99% - 28.74% Variable APR.The Chase Freedom Unlimited® does charge foreign transaction fees though, so this card isn't one to take on international trips. Soft benefits include:Read more in our Chase Freedom Unlimited card review.Capital One Quicksilver Cash Rewards Credit Card vs. Wells Fargo Active Cash® CardThe Wells Fargo Active Cash® Card offers one of the simplest earning structures across any credit card, earning a flat rate of 2% cash rewards on purchases.New cardholders can earn a welcome bonus of $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening. They can also utilize a zero-interest period: 0% intro APR on purchases and qualifying balance transfers for 12 months from account opening, then a 19.49%, 24.49%, or 29.49% variable APR.Additional benefits include: Read more in our Wells Fargo Active Cash card review.The Capital One Quicksilver Cash Rewards Credit Card earns unlimited 1.5% cash back with no annual fee and no foreign transaction fees (rates and fees). The card also has an initial sign-up bonus of one-time $200 cash bonus once you spend $500 on purchases within three months of account opening. Additional benefits include fraud coverage, extended warranty on eligible purchases, and travel accident insurance.Many no-annual-fee credit cards on the market match the Capital One Quicksilver Cash Rewards Credit Card's 1.5% flat-rate reward earning rate. If you want to earn a little bit more per dollar spent, consider an option from our list of the best 2% cash back credit cards, many without annual fees as well. If you don't mind a little extra work in return for higher rewards, the best 5% cash back credit cards earn bonus returns on specific categories of spend.The Capital One Quicksilver Cash Rewards Credit Card doesn't have an annual fee, so some of its benefits are limited compared against premium credit cards with annual fees. Some other credit cards also offer higher cash-back rates in specific categories such as groceries or travel, which may be more beneficial for those with focused spending habits.To maximize benefits, pay for all expenses with your Capital One Quicksilver Cash Rewards Credit Card to earn the unlimited 1.5% cash back. Pay off your balance in full each month to avoid interest charges. Take advantage of the welcome offer by meeting the minimum spending requirement within the first few months, and utilize your card benefits whenever applicable. The current welcome offer or sign-up bonus on Capital One Quicksilver Cash Rewards Credit Card is one-time $200 cash bonus once you spend $500 on purchases within three months of account opening.The Capital One Quicksilver Cash Rewards Credit Card is worth it for earning 1.5% cash back on most purchases with no annual fee, or if you frequently spend on car rentals or hotels and you don't mind booking through Capital One Travel. However, there are other cash-back credit cards that earn more rewards, like the Chase Freedom Unlimited or the Chase Freedom Flex, so explore all your options before applying. Most applicants who qualify for the Capital One Quicksilver Cash Rewards Credit Card have a good to excellent credit score (FICO score of at least 670). We rate credit cards by weighing five factors equally, and comparing them against other, similar credit cards currently available:Read more about how we rate credit cards at Business Insider.","articleSection":"Personal Finance, Credit Cards","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Is the Quicksilver Cash Rewards Card worth it?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The Capital One Quicksilver Cash Rewards Credit Card is worth it for earning 1.5% cash back on most purchases with no annual fee, or if you frequently spend on car rentals or hotels and you don't mind booking through Capital One Travel. However, there are other cash-back credit cards that earn more rewards, like the Chase Freedom Unlimited or the Chase Freedom Flex, so explore all your options before applying. </p>"}},{"@type":"Question","name":"What credit score do you need to qualify for the Quicksilver Cash Rewards Card?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Most applicants who qualify for the Capital One Quicksilver Cash Rewards Credit Card have a good to excellent credit score (<a href=\"https://www.businessinsider.com/personal-finance/credit-score/what-is-fico-score\" data-analytics-product-module=\"body_link\" rel=\"\">FICO score</a> of at least 670). </p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"ItemList","numberOfItems":1,"itemListElement":[{"@context":"http://schema.org","@type":"ListItem","position":1,"item":{"@context":"http://schema.org","@type":"Product","name":"Capital One Quicksilver Cash Rewards Credit 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</li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/insurance" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Insurance </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/auto-insurance/best-car-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Car Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-homeowners-insurance-companies" 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role="main" > <section id="l-content" class="is-right-rail content-with-sticky-toc" data-track-page-area="Post" data-post-content > <section class="row"> <div class="col-12"> <article class=""> <section class="post-headline-wrapper " id="post-headline" > <div class="post-meta"> <span class="post-breadcrumbs headline-regular "> <a href="/personal-finance" class="" data-track-click="{"product_field":"Personal Finance","element_name":"breadcrumbs","event":"navigation"}" > Personal Finance </a> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate270" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/credit-cards" class="" data-track-click="{"product_field":"Credit Cards","element_name":"breadcrumbs","event":"navigation"}" > Credit Cards </a> </span> </div> <h1 class="post-headline ">Capital One Quicksilver Credit Card Review 2024: Benefits, Features, and Expert Insights</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Holly Johnson" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/holly-johnson" >Holly Johnson</a></span> and <span class="" data-e2e-name="Tessa Campbell" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/tessa-campbell" >Tessa Campbell</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/katherine-fan" >Katherine Fan</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/angela-fung" >Angela Fung</a> </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-09-30T21:05:32Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-09-30T21:05:32Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> <defs/> 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data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Card Comparison </a> </li> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our <a 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However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate credit cards to write unbiased product reviews</a>.</p><p class="headline-regular financial-disclaimer non-affiliate-disclosure">The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex®. The details for these products have not been reviewed or provided by the issuer.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><h2>Introduction to the Quicksilver Cash Rewards Card</h2><p>The Quicksilver Cash Rewards Card does double-duty as one of the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-cash-back-credit-cards" data-analytics-product-module="body_link" rel="">best cash back credit cards</a> around that's also one of our top picks for a <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-no-fee-credit-card" data-analytics-product-module="body_link" rel="">no-annual-fee credit card</a> (<a href="https://affiliate.insider.com/?h=a1895189912c907527cca2733a4efbabe35d2efede943cd89a1fc77479886ebf&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728885" data-analytics-product-module="body_link" rel="nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=a1895189912c907527cca2733a4efbabe35d2efede943cd89a1fc77479886ebf&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728885">rates and fees</a>).</p> <div id="capital-one-quicksilver-cash-rewards-credit-card" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Capital One Quicksilver Cash Rewards Credit Card</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71621-20&h=fe755330cba1dbd6c6921284ec9269ed8ad7a7c2068b343304e7e2d138f14c8e&platform=browser&postID=669ffb2820eaab25bc21ffd0&postSlug=personal-finance%2Fcredit-cards%2Fcapital-one-quicksilver-cash-rewards-credit-card-review&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26681445%26cr%3D28949%26last_updated%3D1605655436" rel="nofollow noindex" data-analytics-product-id="5e83a4d30c2a6238e6052669" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One Quicksilver Cash Rewards Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=fe755330cba1dbd6c6921284ec9269ed8ad7a7c2068b343304e7e2d138f14c8e&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26681445%26cr%3D28949%26last_updated%3D1605655436"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Capital One's website</span> <div class="financial-product-card__footer headline-regular"> <a rel="nofollow noopener noindex" target="_blank" class="not-content-link financial-product-card__footer__link" href="https://affiliate.insider.com/?amazonTrackingID=&h=a1895189912c907527cca2733a4efbabe35d2efede943cd89a1fc77479886ebf&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728885" data-analytics-product-id="5e83a4d30c2a6238e6052669" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One Quicksilver Cash Rewards Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" 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data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=fe755330cba1dbd6c6921284ec9269ed8ad7a7c2068b343304e7e2d138f14c8e&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26681445%26cr%3D28949%26last_updated%3D1605655436"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/66bb7d505da406397bf56882?width=400" alt="Capital One Capital One Quicksilver Cash Rewards Credit Card"> <noscript> <img src="https://i.insider.com/66bb7d505da406397bf56882?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5e83a4d30c2a6238e6052669-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.4208256379453974"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.4208256379453974)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7014182695898099"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7014182695898099)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8809812337504981"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8809812337504981)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.33548581970824354"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.33548581970824354)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.3083002541843858"> <stop stop-color="#faa809" offset="10%"></stop> <stop stop-color="white" offset="10%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.3083002541843858)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.1<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn unlimited 1.5% cash back on purchases.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time)</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">19.74% - 29.74% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">one-time $200 cash bonus once you spend $500 on purchases within three months of account opening</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn a one-time $200 cash bonus</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="5e83a4d30c2a6238e6052669" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One Quicksilver Cash Rewards Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Earns 1.5% cash back on every purchase</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Intro APR on purchases and balance transfers</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No annual fee and no foreign transaction fees</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Other cards earn more cash back</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">If you want to earn cash back with minimal effort and no annual fee, the Quicksilver Cash Rewards Card is a good option. Some cards offer a higher rate of cash back, but there are tradeoffs, such as foregoing a welcome bonus offer or keeping track of bonus categories that earn more rewards.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/capital-one-quicksilver-cash-rewards-credit-card-review" data-analytics-product-id="5e83a4d30c2a6238e6052669" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One Quicksilver Cash Rewards Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Quicksilver Cash Rewards Card <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening</li> <li class="financial-product-card__product-details__list-item">Earn unlimited 1.5% cash back on every purchase, every day</li> <li class="financial-product-card__product-details__list-item">$0 annual fee and no foreign transaction fees</li> <li class="financial-product-card__product-details__list-item">Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply</li> <li class="financial-product-card__product-details__list-item">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</li> <li class="financial-product-card__product-details__list-item">0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5e83a4d30c2a6238e6052669" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One Quicksilver Cash Rewards Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><h2>Capital One Quicksilver Overview</h2><p>The Capital One Quicksilver Cash Rewards Credit Card is one of the easiest cards to use because you don't have to worry about tracking bonus reward categories.</p><h3>What is the Quicksilver Cash Rewards Card? </h3><p>This card's key features and benefits include its simple rewards scheme and lack of annual fee. </p><p>There are four main types of cash-back credit cards, and the Capital One Quicksilver Cash Rewards Credit Card falls into the flat-rate rewards category. This means you earn the same amount of cash back — 1.5% in this case — on most purchases.</p><p>The Capital One Quicksilver Cash Rewards Credit Card earns 5% cash back on one specific bonus category: hotel and car rental bookings made through the <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-to-use-capital-one-travel-portal" data-analytics-product-module="body_link" rel="">Capital One Travel portal</a>. You'll also get a handful of travel and shopping benefits, including <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards-no-foreign-transaction-fees" rel="noopener" data-analytics-product-module="body_link">no foreign transaction fees</a> on international purchases (<a href="https://affiliate.insider.com/?h=a1895189912c907527cca2733a4efbabe35d2efede943cd89a1fc77479886ebf&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728885" data-analytics-product-module="body_link" rel="nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=a1895189912c907527cca2733a4efbabe35d2efede943cd89a1fc77479886ebf&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728885">rates and fees</a>). </p><h2 data-toc-label="Rewards" id="rewards" class="toc-anchor">Capital One Quicksilver Rewards</h2><h3>Welcome Offer</h3><p>New cardholders can earn a generous welcome offer: one-time $200 cash bonus once you spend $500 on purchases within three months of account opening. </p><h3>Earning Rewards With the Capital One Quicksilver Cash Rewards</h3><p>You'll earn a straightforward 1.5% cash back on all purchases, plus 5% back on hotel and car rental bookings through Capital One Travel.  </p><h3>How to Redeem Rewards From the Quicksilver Cash Rewards</h3><p>You can redeem your rewards from the Capital One Quicksilver Cash Rewards Credit Card for a check in the mail or a statement credit. It's also possible to redeem rewards for gift cards, and your rewards will never expire as long as your account is open.</p><h3>Comparison with Other Cash Back Cards</h3><p>Unlike some other cash-back credit cards, there's no minimum redemption amount with the Capital One Quicksilver Cash Rewards Credit Card. You can also set up automatic redemptions, either at a set time each calendar year or when your rewards reach certain thresholds: $25, $50, $100, $200, $500, or $1,500.</p><h2 data-toc-label="Benefits" id="benefits" class="toc-anchor">Capital One Quicksilver Key Benefits and Features</h2><p>The Capital One Quicksilver Cash Rewards Credit Card doesn't come with a ton of benefits, but there are a handful that could save you money if you make use of them.</p><h3>Introductory 0% APR on Purchases and Balance Transfers</h3><p>One of the biggest benefits of the Capital One Quicksilver Cash Rewards Credit Card is the 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time), then 19.74% - 29.74% Variable APR (<a href="https://affiliate.insider.com/?h=a1895189912c907527cca2733a4efbabe35d2efede943cd89a1fc77479886ebf&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728885" data-analytics-product-module="body_link" rel="nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=a1895189912c907527cca2733a4efbabe35d2efede943cd89a1fc77479886ebf&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728885">rates and fees</a>).</p><p>The card's zero-interest introductory period makes it easy to pay off big purchases over time without incurring huge interest charges. Just be sure you set aside money to pay off your balance before the introductory APR period expires. And check out our list of the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-balance-transfer-credit-cards" data-analytics-product-module="body_link" rel="">best balance transfer credit cards</a> for more options.</p><h3>Extended warranty</h3><p>When you use your Capital One Quicksilver Cash Rewards Credit Card to pay for eligible items that come with a manufacturer's warranty, Capital One will provide extended warranty protection at no charge.</p><h3>Travel Accident Insurance</h3><p>When you use your Capital One Quicksilver Cash Rewards Credit Card to purchase the fare for your trip, you'll be eligible for automatic travel accident insurance for covered losses.</p><h3>24-hour Travel Assistance Service</h3><p>If you're traveling and your card is lost or stolen, you can get an emergency replacement, as well as a cash advance, to help you on your way. </p><h3>Concierge Service</h3><p>Capital One Quicksilver Cash Rewards Credit Card cardholders can access a concierge service 24 hours a day to help with things like dining reservations, event tickets, and travel bookings. The concierge service itself is free, but any third-party costs are your responsibility.</p><h3>Event Access</h3><p>The Capital One Quicksilver Cash Rewards Credit Card gets you access to VIP experiences like curated dinners and chef collaborations, discounts, and on-site perks at sports and concert events. To take advantage of this benefit, you'll need to use your card to purchase your tickets. </p><h3>Account and Security Alerts</h3><p>Cardholders receive alerts via text, email, or phone call if Capital One detects suspicious transactions or unexpected charges on the card, and can help you quickly unauthorized card use.</p><h3>$0 Fraud Liability for Unauthorized Charges</h3><p>If your card is lost or stolen, you won't be held responsible for unauthorized charges made to your account.  </p><h3>Virtual Card Numbers</h3><p>If you want to pay for purchases online without revealing your actual card number, you can generate a virtual card number for more security. </p><h3>Card Lock</h3><p>Cardholders can easily and instantly lock their account if their card is lost, stolen, or temporarily misplaced to prevent unauthorized charges.</p><h3>Credit Report Alerts</h3><p>You can receive alerts when information on your Experian or TransUnion credit report changes, like new account inquiries, credit score updates, or address changes.</p><h2 data-toc-label="Fees" id="fees" class="toc-anchor">Capital One Quicksilver Fees</h2><p>The Capital One Quicksilver Cash Rewards Credit Card does not charge an annual fee and doesn't add foreign transaction fees, so it's a good pick to use for travel abroad (<a href="https://affiliate.insider.com/?h=a1895189912c907527cca2733a4efbabe35d2efede943cd89a1fc77479886ebf&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728885" data-analytics-product-module="body_link" rel="nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=a1895189912c907527cca2733a4efbabe35d2efede943cd89a1fc77479886ebf&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728885">rates and fees</a>).</p><p>As with most cards, there may be fees for late payments, balance transfers (3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time), and cash advances. </p><h2 data-toc-label="Card Comparison" id="card-comparison" class="toc-anchor">Capital One Quicksilver Comparison</h2><p>There are other cash-back cards that offer a similar intro bonus and potentially greater rewards on everyday spending, if you're willing to keep track of bonus categories. They may also offer a higher rate of cash back, but with some/ tradeoffs, such as foregoing a welcome bonus offer or keeping track of bonus categories that earn more rewards.</p><p>For example, the <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-freedom-unlimited-review" data-analytics-product-module="body_link" rel="">Chase Freedom Unlimited</a> and <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-freedom-flex-credit-card-review" data-analytics-product-module="body_link" rel="">Chase Freedom Flex®<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Chase Chase Freedom Flex® has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </a> earn up to 5% back in certain categories, so depending on your spending habits, one of these cards could be a better fit for you.</p><p>And if you're looking for a no-annual-fee card that has a higher rate of return on purchases, the <a href="https://www.businessinsider.com/personal-finance/credit-cards/wells-fargo-active-cash-card-review" data-analytics-product-module="body_link" rel="">Wells Fargo Active Cash® Card</a> is hard to beat. You'll earn 2% cash rewards on purchases with no limit to what you can earn, along with a welcome bonus of $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening.</p><p>If you want to stay in the Capital One ecosystem, we have a full comparison of the <a href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-platinum-vs-quicksilver" data-analytics-product-module="body_link" rel="">Capital One Quicksilver versus the Capital One Platinum</a>. However, note that the Platinum card does not earn cash back, and is best suited for people who are prioritizing building credit.</p><h3><strong>Capital One Quicksilver Cash Rewards Credit Card</strong> vs. <strong>Chase Freedom Unlimited®</strong></h3><p>The Chase Freedom Unlimited® has a $0 annual fee, just like the $0-annual-fee Capital One Quicksilver Cash Rewards Credit Card (<a href="https://affiliate.insider.com/?h=a1895189912c907527cca2733a4efbabe35d2efede943cd89a1fc77479886ebf&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728885" data-analytics-product-module="body_link" rel="nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=a1895189912c907527cca2733a4efbabe35d2efede943cd89a1fc77479886ebf&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728885">rates and fees</a>). The Chase Freedom Unlimited® earns rewards at the following rates:</p><ul><li>5% cash back (5x points) on travel purchased through Chase Travel℠</li><li>3% cash back (3x points) on dining and drugstore purchases</li><li>1.5% cash back (1.5x points) on everything else</li></ul><p> In contrast, the Capital One Quicksilver Cash Rewards Credit Card only earns 5% cash back on hotels and rental cars booked through Capital One Travel, then 1.5% cash back on all other purchases.</p><p>New Chase Freedom Unlimited® cardholders can earn a good welcome bonus: additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year). They can also take advantage of a 0% intro APR period: 0% intro APR on purchases and balance transfers for the first 15 months, then a 19.99% - 28.74% Variable APR.</p><p>The Chase Freedom Unlimited® does charge foreign transaction fees though, so this card isn't one to take on international trips. </p><p>Soft benefits include:</p><ul><li class="headline-regular"><a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-purchase-protection" target="_blank" rel="noopener" data-analytics-module="body_link" data-analytics-post-depth="0" data-uri="a076a3054420e2fbfea56a82efcb86d3" data-analytics-product-module="tables">Purchase protection</a></li><li class="headline-regular">Extended warranty</li><li class="headline-regular">Car rental insurance (secondary in the US, primary otherwise)</li><li class="headline-regular">Trip interruption/cancellation insurance</li><li class="headline-regular">Travel and emergency assistance services</li></ul><p>Read more in our <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-freedom-unlimited-review" rel="noopener" data-analytics-product-module="body_link">Chase Freedom Unlimited card review</a>.</p><p><strong>Capital One Quicksilver Cash Rewards Credit Card vs. Wells Fargo Active Cash® Card</strong></p><p>The Wells Fargo Active Cash® Card offers one of the simplest earning structures across any credit card, earning a flat rate of 2% cash rewards on purchases.</p><p>New cardholders can earn a welcome bonus of $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening. They can also utilize a zero-interest period: 0% intro APR on purchases and qualifying balance transfers for 12 months from account opening, then a 19.49%, 24.49%, or 29.49% variable APR.</p><p>Additional benefits include:</p><ul><li><a href="https://www.google.com/search?q=cell&rlz=1C5GCEM_en&oq=cell&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIGCAEQRRg8Mg0IAhAAGIMBGLEDGIAEMg0IAxAAGIMBGLEDGIAEMg0IBBAAGIMBGLEDGIAEMg0IBRAAGIMBGLEDGIAEMgYIBhBFGD0yBggHEEUYPNIBCDIxNDhqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8" rel=" nofollow">Cell phone protection</a></li><li>Visa Signature® Concierge</li><li>Roadside dispatch</li><li>Travel and emergency assistance services</li><li>Emergency cash disbursement and card replacement</li><li>Access to the Visa Signature Hotel Collection</li></ul><p> Read more in our <a href="https://www.businessinsider.com/personal-finance/credit-cards/wells-fargo-active-cash-card-review" data-analytics-product-module="body_link" rel="">Wells Fargo Active Cash card review</a>.</p><h2>Capital One Quicksilver Card Frequently Asked Questions</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What are the main benefits of the Capital One Quicksilver Credit Card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-question faq-answer">The Capital One Quicksilver Cash Rewards Credit Card earns unlimited 1.5% cash back with no annual fee and no foreign transaction fees (<a href="https://affiliate.insider.com/?h=a1895189912c907527cca2733a4efbabe35d2efede943cd89a1fc77479886ebf&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728885" data-analytics-product-module="body_link" rel="nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=a1895189912c907527cca2733a4efbabe35d2efede943cd89a1fc77479886ebf&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728885">rates and fees</a>). The card also has an initial sign-up bonus of one-time $200 cash bonus once you spend $500 on purchases within three months of account opening. Additional benefits include fraud coverage, extended warranty on eligible purchases, and travel accident insurance.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How does the Capital One Quicksilver Credit Card compare to other cash back cards? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-question faq-answer">Many no-annual-fee credit cards on the market match the Capital One Quicksilver Cash Rewards Credit Card's 1.5% flat-rate reward earning rate. If you want to earn a little bit more per dollar spent, consider an option from our list of the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-2-cash-back-credit-cards" data-analytics-product-module="body_link" rel="">best 2% cash back credit cards</a>, many without annual fees as well. If you don't mind a little extra work in return for higher rewards, the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-5-cash-back-credit-card" data-analytics-product-module="body_link" rel="">best 5% cash back credit cards</a> earn bonus returns on specific categories of spend.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are there any downsides to the Capital One Quicksilver Credit Card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-question faq-answer">The Capital One Quicksilver Cash Rewards Credit Card doesn't have an annual fee, so some of its benefits are limited compared against premium credit cards with annual fees. Some other credit cards also offer higher cash-back rates in specific categories such as groceries or travel, which may be more beneficial for those with focused spending habits.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How can I maximize the benefits of the Capital One Quicksilver Credit Card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-question faq-answer">To maximize benefits, pay for all expenses with your Capital One Quicksilver Cash Rewards Credit Card to earn the unlimited 1.5% cash back. Pay off your balance in full each month to avoid interest charges. Take advantage of the welcome offer by meeting the minimum spending requirement within the first few months, and utilize your card benefits whenever applicable. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the current introductory offer for the Capital One Quicksilver Credit Card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-question faq-answer">The current welcome offer or sign-up bonus on Capital One Quicksilver Cash Rewards Credit Card is one-time $200 cash bonus once you spend $500 on purchases within three months of account opening.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is the Quicksilver Cash Rewards Card worth it? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The Capital One Quicksilver Cash Rewards Credit Card is worth it for earning 1.5% cash back on most purchases with no annual fee, or if you frequently spend on car rentals or hotels and you don't mind booking through Capital One Travel. However, there are other cash-back credit cards that earn more rewards, like the Chase Freedom Unlimited or the Chase Freedom Flex, so explore all your options before applying. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What credit score do you need to qualify for the Quicksilver Cash Rewards Card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Most applicants who qualify for the Capital One Quicksilver Cash Rewards Credit Card have a good to excellent credit score (<a href="https://www.businessinsider.com/personal-finance/credit-score/what-is-fico-score" data-analytics-product-module="body_link" rel="">FICO score</a> of at least 670). </p> </div> </div> </div><h2 data-toc-label="Why You Should Trust Us" id="why-you-should-trust-us" class="toc-anchor">Why You Should Trust Us: How We Reviewed the Capital One Quicksilver Card</h2><p>We rate credit cards by weighing five factors equally, and comparing them against other, similar credit cards currently available:</p><ul><li>Welcome bonus offer</li><li>Annual fee</li><li>Rewards rates</li><li>Using rewards</li><li>Benefits</li></ul><p>Read more about <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" data-analytics-product-module="body_link" rel="">how we rate credit cards</a> at Business Insider. </p><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=creditcards&resize=1&ident=99&pub_inventory=credit-cards/capital-one-quicksilver-cash-rewards-credit-card-review-pfi-credit-cards" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/holly-johnson" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="holly-johnson"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/5b8452a6959f345d118b54ea?crop=1:1&width=256&format=jpeg&auto=webp" alt="photo"> <noscript> <img src="https://i.insider.com/5b8452a6959f345d118b54ea?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/holly-johnson" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Holly Johnson</div> </a> <div class="post-author_title headline-regular">Freelance Writer</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Holly Johnson is a credit card expert, award-winning writer, and mother of two who is obsessed with frugality, budgeting, and travel. In addition to serving as contributing editor for The Simple Dollar and writing for publications such as Bankrate, U.S. News and World Report Travel, and Travel Pulse, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love."</span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/tessa-campbell" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="tessa-campbell"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6494561e65b9ce0018a46b81?crop=1:1&width=256&format=jpeg&auto=webp" alt="Tessa Campbell"> <noscript> <img src="https://i.insider.com/6494561e65b9ce0018a46b81?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/tessa-campbell" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Tessa Campbell</div> </a> <div class="post-author_title headline-regular">Investing and Retirement Reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Tessa Campbell is an investing and retirement reporter on Business Insider’s personal finance desk. Over two years of personal finance reporting, Tessa has built expertise on a range of financial topics, from the best credit cards to the best retirement savings accounts.</span>Experience<span>Tessa currently reports on all things investing — deep-diving into complex financial topics,  shedding light on lesser-known investment avenues, and uncovering ways readers can work the system to their advantage.</span><span></span><span>As a personal finance expert in her 20s, Tessa is acutely aware of the impacts time and uncertainty have on your investment decisions. While she curates Business Insider’s guide on the best investment apps, she believes that your financial portfolio does not have to be perfect, it just has to exist. A small investment is better than nothing, and the mistakes you make along the way are a necessary part of the learning process.</span>Expertise: <span>Tessa’s expertise includes:</span><ul><li><span>Credit cards</span></li><li><span>Investing apps</span></li><li><span>Retirement savings</span></li><li><span>Cryptocurrency</span></li><li><span>The stock market</span></li><li><span>Retail investing</span></li></ul>Education: <span>Tessa graduated from Susquehanna University with a creative writing degree and a psychology minor.</span><span>When she’s not digging into a financial topic, you’ll find Tessa waist-deep in her second cup of coffee. She currently drinks Kitty Town coffee, which blends her love of coffee with her love for her two cats: Keekee and Dumpling. It was a targeted advertisement, and it worked.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/angela-fung" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="angela-fung"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/662fb906ec0c696569feabc8?crop=1:1&width=256&format=jpeg&auto=webp" alt="Angela Fung's face on a gray background."> <noscript> <img src="https://i.insider.com/662fb906ec0c696569feabc8?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/angela-fung" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Angela Fung</div> </a> <div class="post-author_title headline-regular">Marketing Compliance Manager</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded2"> <div class="post-author_bio_content"> <span>Angela Fung is the Compliance Manager for Business Insider's <a href="https://www.businessinsider.com/personal-finance" rel="">Personal Finance</a> division, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice.</span><span>The compliance team's mission is to maintain reader trust by confirming stories are fact-checked and current so that readers can make informed financial decisions. The team also works to minimize risk for partners by maintaining clear, precise language that is compliant with regulatory and partner marketing guidelines that align with the editorial team.</span> </div> <label for="expanded2" role="button" class="post-author_bio_more">Read more</label> <label for="expanded2" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 5.00% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 5.00% APY when you deposit at least $250 per month, earn 4.00% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards">Read our editorial standards</a>.</em></p><p style="font-size:14px;"><em>Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.</em></p><p style="font-size:14px;"><em>**Enrollment required.</em></p></p> <p class="body-italic"><p style="font-size:14px;"><em>***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.</em></p><p style="font-size:14px;"><em>For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.</em></p></p> </div> </section> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 195)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/insider-today-logo.png' alt="Insider Today" /> <noscript> <img src="/public/assets/BI/US/logos/newsletters/insider-today-logo.png" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. <a href="https://l.businessinsider.com/e/evib?_t=c8e10479a20f45bba5aad6c5f6fbb009&_m=bee0b92dd7f64311b232730abc2d57af&_e=U5JhMPKexkqXQC0IbC5jAv93qEg9l9wpQfDa9HFV0yVMQv3svoC1aboxnptAyVwou2R68cPyvF-aWiSH-hyRWg%3D%3D" target="_blank" class="inline-newsletter-preview-link headline-semibold">Read preview</a> </div> </div> <div class="inline-newsletter-img-wrapper-mobile"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 124 / 111)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/rebrand/newsletter-bull.png' alt="Bull" /> <noscript> <img src="/public/assets/rebrand/newsletter-bull.png" /> </noscript> </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop"> <div class="success-image-container hidden"></div> <div class="success-message-container"> <div class="success-message headline-semibold hidden"> Thanks for signing up! <a class="npc-anchor not-content-link headline-semibold" href="https://www.businessinsider.com/subscription/newsletter">Go to newsletter preferences</a> </div> <div class="success-sub-message headline-semibold hidden"></div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-image-container"></div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold white-button download" type="white" > download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="mobile-error-msg error-msg headline-regular"></div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold dark-button inline-newsletter-submit" type="dark" > Sign up </button> </div> </div> <div class="desktop-error-msg error-msg headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you accept our <a class="tos-anchor" href="https://www.insider-inc.com/terms" target="_blank">Terms of Service</a> and <a class="tos-anchor" href="https://www.insider-inc.com/privacy-policy" target="_blank">Privacy Policy</a>. 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