Capital One Quicksilver Cash Rewards Credit Card – How to Apply

By Raquel Oliveira • 03/12/2025

Capital One Quicksilver: Unlimited cashback card with no rotating categories or spending limits.

The Capital One Quicksilver Cash Rewards Credit Card is a fantastic option for individuals who want to earn unlimited 1.5% cashback on all purchases. 

Whether you’re shopping for groceries, booking travel, or dining out, you’ll earn cashback on every purchase, making it an easy and rewarding way to earn points on things you already buy. 

With no annual fee and no foreign transaction fees, this card offers great value for individuals who want to simplify their rewards and earn cashback on everything.

In addition to its generous cashback rewards, the Capital One Quicksilver Cash Rewards Credit Card also offers a 0% intro APR for 15 months on purchases and balance transfers.

How does Capital One Quicksilver work?

The Capital One Quicksilver Cash Rewards Credit Card works by offering cardholders 1.5% cashback on every purchase. 

This straightforward rewards program makes it easy to accumulate cashback on all your spending, without having to worry about rotating categories or spending limits. Whether you’re buying everyday essentials or making bigger purchases.

One of the key features of the Capital One Quicksilver card is its sign-up bonus. New cardholders can earn a generous bonus once they meet the minimum spending requirement, giving them a great head start on their cashback journey.

The card also offers 0% intro APR for the first 15 months on both purchases and balance transfers. This means that if you’re making large purchases or transferring balances from high-interest credit cards, you can do so without paying any interest for the first 15 months.

Main benefits for the Capital One Quicksilver

• Unlimited 1.5% cashback on all purchases, ensuring simple and consistent rewards without needing to track spending categories or activate quarterly bonuses.
• No expiration on cashback rewards, allowing users to accumulate cashback over time and redeem it whenever they choose, as long as their account remains open.
• A 0% introductory APR for 15 months on purchases and balance transfers, providing flexibility for financing large purchases or transferring balances from other credit cards.
• No annual fees and no international transaction fees, making it a great option for both domestic and international spending without extra charges.

Cons for the Capital One Quicksilver

While the Capital One Quicksilver Cash Rewards Credit Card offers solid benefits, there are some drawbacks to consider. 

One downside is that the card only offers 1.5% cashback on all purchases. While this is a good rate, other cards may offer higher cashback rates for specific categories like dining, travel, or gas.

Additionally, while the card’s 0% intro APR is a great feature, it does come with a relatively high APR once the intro period ends, which means carrying a balance could become expensive if not paid off in time.

The card also charges a foreign transaction fee of 3%, which could be a disadvantage for international travelers.

APR and Fees

Understanding the fees and interest rates associated with the Capital One Quicksilver credit card is crucial for managing finances and maximizing benefits without incurring unnecessary costs.

• No foreign transaction fees, making this card an excellent choice for international travelers who want to avoid extra charges on purchases made abroad.
• A 0% introductory APR for 15 months on purchases and balance transfers provides a strong incentive for new cardholders looking for interest-free financing.
• After the introductory period, the APR adjusts to a variable rate between 19.99% and 29.99%, depending on the cardholder’s creditworthiness and financial standing.
• No annual fees, ensuring that users can enjoy cashback rewards without additional yearly costs for maintaining the credit card.

How to Apply for the Capital One Quicksilver Cash Rewards

Applying for the Capital One Quicksilver Cash Rewards Credit Card is quick and easy. You can apply online by providing your personal and financial information. 

Once approved, you’ll receive your card and can begin earning 1.5% cashback on all purchases. The sign-up bonus and 0% intro APR for the first 15 months make it an excellent option for new cardholders.

• Visit the Capital One website and navigate to the credit card section to find the Quicksilver card application page and begin the process.
• Fill out the application form with required details, including name, address, income, and Social Security number, to allow for credit evaluation and approval.
• Submit the form and wait for the approval process, which typically provides instant feedback regarding application status based on credit history and financial profile.
• If approved, the physical credit card will be mailed within 7 to 10 business days, after which it can be activated and used immediately for purchases.

Who Should Apply for the Capital One Quicksilver Credit Card?

The Capital One Quicksilver credit card is best suited for individuals who want a simple and unlimited cashback system without spending restrictions or rotating category requirements.

It is a strong option for users who value a no-annual-fee card, ensuring that every cashback dollar earned remains in their pocket rather than being offset by maintenance fees.

Additionally, it benefits those looking for a long introductory APR period, as the 15-month interest-free period allows flexibility for financing purchases or managing balance transfers effectively.

However, individuals who prefer higher cashback percentages in specific categories may find other credit cards more beneficial, as this card does not offer tiered cashback rates.

Final Considerations for Capital One Quicksilver

The Capital One Quicksilver credit card provides a strong cashback structure, no annual fee, and a long 0% APR period, making it an attractive option for users who want simple and consistent rewards.

While its lack of bonus categories may limit earning potential, its unlimited 1.5% cashback on every purchase ensures that users can accumulate rewards easily and without extra effort.

Before applying, consider whether this card’s features align with your spending habits, ensuring that it provides the maximum value for your financial needs and lifestyle.