Quicksilver Cash Rewards
Capital OneNo annual feeDiscoverNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
$200
after $500 in purchases in the first 3 months
48 Month Rule, Card Limit and 2 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus$200 cash | $200 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | $0 |
| Annual fee | $0 |
| Meeting the $500 minimumearns 1.5% here vs 2% on Double Cash | −$2 |
| First year | $198 |
| Each year after | +$170 |
Not counted in the first year: protections (each year after counts them).
With a Venture Rewards: $227 a year
Earning
| Rate | Category | Return |
|---|---|---|
| 5% | Hotels booked through Capital One Travel | 5% |
| 5% | Capital One Entertainment purchases | 5% |
| 5% | Rental cars booked through Capital One Travel | 5% |
| 5% | Vacation rentals booked through Capital One Travel | 5% |
| 1.5% | Everything else | 1.5% |
Personal card · Earns Capital One Miles
Benefits
Elite status (1)
- Hertz Gold Plus Rewards: Five Star
Protections (10)
- Travel Accident Insurance, up to $1,000,000, Up to $1,000,000 against accidental loss of life, limb, sight, speech, or hearing while riding as a passenger on a licensed common carrier, when the fare is charged to the card.
- Baggage Delay Insurance, Up to $100/day for 3 days for essential purchases when baggage is delayed 4+ hours
- Trip Cancellation/Interruption Insurance, Coverage up to $1,500 per trip for prepaid, non-refundable travel expenses
- Lost Luggage Reimbursement, up to $3,000, Up to $3,000 per trip for checked or carry-on baggage lost, stolen, or misdirected by the common carrier ($2,000 per bag for New York residents).
- Travel and Emergency Assistance, 24/7 referral assistance for medical, legal, and travel emergencies while away from home. Cardholder is responsible for the cost of services used.
- Purchase Protection, up to $1,000, 90-day coverage for damage/theft, up to $1,000 per claim and $25,000 per cardholder per 12-month period
- Extended Warranty, Doubles the manufacturer's warranty by up to 12 additional months, for original warranties of 2 years or less. Max $10,000 per claim and $50,000 per cardholder.
- Price Protection, up to $250, Reimburses difference if item is advertised at lower price within 120 days. Up to $250 per claim, $1,000 per year.
- Auto Rental Collision Damage Waiver (secondary), Coverage for collision damage or theft when renting eligible vehicles
- Identity Theft Protection, up to $1,000, Personal Identity Theft coverage up to $1,000 for covered expenses, plus Comprehensive Identity Solutions monitoring and restoration support (enrollment required).
Other Perks
- Exclusive access to Capital One Entertainment events and tickets
- Access to Spotify discounts
- 50% off handcrafted beverages at Capital One Cafes
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to trueOct 11, 2026
- changed from null to Quicksilver CashOct 8, 2026
- changed from null to cash_backSep 30, 2026
- changed from Capital One Venture Rewards Credit Card; Capital One Venture X Rewards Credit Card; Capital One VentureOne Rewards Credit Card; Capital One Spark Miles for Business; Capital One Spark Miles Select for Business; Capital One Venture X Business Card to Capital One Venture Rewards Credit Card; Capital One Venture X Rewards Credit Card; Capital One VentureOne Rewards Credit Card; Capital One Venture Business; Capital One VentureOne Business; Capital One Venture X Business Card; Capital One Spark Miles for BusinessSep 16, 2026
- changed from Pair with a Venture or Spark Miles card to convert cash back to transferable miles. to Pair with a Venture, VentureOne, or Spark Miles card to convert cash back to transferable miles.Sep 16, 2026
- changed from World Elite Mastercard to DiscoverAug 25, 2026
- changed from Mastercard to DiscoverAug 25, 2026
- changed from null to From network: Mastercard; To network: Discover; New accounts from: 2026-02-01; Existing accounts: reissueAug 25, 2026
- changed from null to 500Aug 13, 2026
- changed from null to 90Aug 13, 2026