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Capital One
Capital One Quicksilver
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VisaCapital One
Capital One Quicksilver
4.4
(2,310 reviews)cashback
Last verified March 2026
A simple, flat-rate cash back card with no annual fee and no foreign transaction fees.
Annual Fee
No annual fee
Purchase APR
19.99% – 29.99%
Rewards
1.5% base rate
Sign-Up Bonus
$200 value
Credit Score
Good (670-749)
Foreign Txn Fee
None
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 19.99% – 29.99% |
| Intro APR (Purchases) | 0% for 15 months |
| Intro APR (Balance Transfer) | 0% for 15 months |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
Simple 1.5% on everything
No annual fee
No foreign transaction fees
Intro APR offer
Lower rate than category-specific cards
No bonus categories
Customer Reviews
4.5
2,310 reviews
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SM
Steve M.VerifiedOct 22, 2025
Simple and effective
No thinking required — 1.5% on everything. Perfect for people who don't want to track categories.
NW
Nancy W.VerifiedAug 30, 2025
My go-to no-fee card
Been using this for 5 years. No annual fee, no foreign transaction fees, and straightforward rewards. Can't complain.