Capital One · Cash back · Visa/Mastercard
Capital One Quicksilver: what it's really worth
The Capital One Quicksilver has a no annual fee. For a typical household spending $2,070 a month, it's worth about $573 in year one and $373 each year after.
Annual fee$0
Sign-up bonus$200$200 after $500 in 3 mo
Net value · year 1$573
Net value · each year after$373
Is the annual fee worth it?
No annual fee — nothing to lose by keeping it open, which also helps your credit history.
How you earn
| Category | Rate | Value per $1 | Per year* |
|---|---|---|---|
| Dining | 1.5% | 1.5¢ | $54 |
| Groceries | 1.5% | 1.5¢ | $90 |
| Hotels | 1.5% | 1.5¢ | $14 |
| Flights | 1.5% | 1.5¢ | $18 |
| Gas | 1.5% | 1.5¢ | $27 |
| Streaming | 1.5% | 1.5¢ | $7 |
| Everything else | 1.5% | 1.5¢ | $162 |
*At typical monthly spending: dining $300, groceries $500, hotels $80, flights $100, gas $150, streaming $40, everything else $900.
Who it's for
- Simple 1.5% back with no foreign fees
- 0% intro APR for 15 months
- Not ideal: Maximizing rewards — 2% cards earn more
Can I get it?
- Recommended credit: Good
- Capital One rules: Generally approves about one new Capital One card every 6 months. Bonuses may be limited if you've had the card in the last 48 months.
- Visa/Mastercard: Capital One issues this card on either Visa or Mastercard — check the logo on yours. Both are accepted almost everywhere, but Costco warehouses take only Visa.
Check the current offer at Capital One
Similar cards
Chase Freedom Unlimited$627 year 1 · $0 feeWells Fargo Active Cash$697 year 1 · $0 feeCiti Double Cash$697 year 1 · $0 feeCapital One Savor Cash Rewards$650 year 1 · $0 fee
Updated Oct 30, 2026.