• No foreign transaction fees
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel (Terms and Conditions)

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[.dontreco] We don’t recommend:  Forgetting to redeem your rewards [.dontreco] 

While the rewards are straightforward, make sure to regularly check your cash back balance and redeem it as needed. It's easy to let it accumulate without taking advantage of it.

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[.sometimesreco] We sometimes recommend:  Using it for international travel [.sometimesreco]

With no foreign transaction fees, the Quicksilver Card is a great option for purchases abroad. You can earn cash back without worrying about extra fees.

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[.alwaysreco] We always recommend:  Using it for everyday purchases [.alwaysreco]

With a flat 1.5% cash-back rate, use the Quicksilver Card for all your day-to-day spending. It's an effortless way to earn consistent rewards.

1. The Miles and Points Beginner

Just starting your cash-back journey? Or better yet, your credit card journey? We love recommending the Quicksilver Card for beginners. It's got a low annual fee and top-notch earnings on everyday spending.Think of it like climbing the Credit Card Ladder. When you're new to credit cards, you might have no credit score or open accounts. That was me in 2022. You start small and work your way up to premium cards like the Capital One Venture X Rewards Credit Card or The Platinum Card® from American Express. The Quicksilver is a great first step on your cash-back journey, offering solid rewards and a few extra perks. College students, I’m talking to you.

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2. The Cash-Back Enthusiast

Are you someone who loves earning on every purchase? The Quicksilver Card offers a straightforward way to earn 1.5% cash back on everything, without the need to track bonus categories or spending limits. It's perfect for those who want a no-fuss rewards card.

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3. The Budget-Conscious Consumer

With no annual fee, the Quicksilver Card is ideal for anyone looking to earn rewards without added costs. It's a great choice for the budget-conscious who still want to benefit from a solid cash-back program. The welcome bonus is an added perk that’s easy to achieve.

Here’s a good rule of thumb: You probably shouldn’t own a credit card if you: (1) have a bad credit score, (2) are a non-U.S. resident (for this particular card), and (3) cannot control your spending. If your credit score is low, you'll need to improve it before applying for travel credit cards, as approval for the best ones, like the Quicksilver Card, is unlikely. Be honest with yourself: if a new credit card will tempt you to overspend, it's best to avoid it. Credit cards are crucial for earning miles and points, but they require responsible use.

A good to excellent credit score is recommended for the Quicksilver Card. But again, if you’re in a solid place with your credit and feel you are ready for a new card, don’t let the fear of being rejected keep you from applying. We’ve known several people to be rejected on their first application, use the reconsideration line, and be granted the Quicksilver Card. The worst they can say is “no,” and more often than not, we’ve found these people want to help!