For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Capital One Quicksilver Rewards
Capital One Quicksilver offers $300 in welcome bonuses: a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year (limited-time offer), plus a $200 cash bonus for spending $500 on purchases in the first 3 months, which is great for a credit card with a $0 annual fee. It also has very worthwhile ongoing rewards, offering 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, 5% cash back on Capital One Entertainment through 12/31/25, and 1.5% cash back on all other purchases.
Key Things to Know About Quicksilver Rewards
- No limit: There is no limit to the amount of cash back you can earn.
- No expiration: Your cash back will not expire as long as your account remains open and in good standing.
- Shop with rewards on Amazon: You can use your cash back to pay for Amazon.com purchases at checkout.
- PayPal redemption: You can redeem your rewards to pay for purchases when you check out using PayPal.
- Other redemption options: You can use your cash back to get a check, gift card, or statement credit to offset recent purchases. You can also use it to purchase travel or experiences through Capital One.
- Referral bonus: You can get a referral bonus if you refer a friend to the card and that person gets approved. You can find out the amount of your potential referral bonus through your online account.
Capital One Quicksilver Travel Benefits
$0 Foreign Transaction Fee
Like all Capital One credit cards, Capital One Quicksilver has a $0 foreign transaction fee. That means you won’t pay an extra for purchases made from foreign merchants, which can save you up to 3% compared to cards that charge these fees.
Capital One Travel Perks
When you booking travel through the Capital One Travel portal, you get the following benefits:
- No blackout dates or seat restrictions
- A credit of up to $50 on travel you’ve already booked when the price drops within 10 days
- Price matching with different booking services, if you contact Capital One within 24 hours after booking
- The ability to cancel a booked flight for any reason
- The ability to freeze the price of a flight and book it later
- Notifications when the price drops on flights you’re interested in
Travel Accident Insurance
When you book a trip with your card, you receive insurance coverage for death or serious injuries caused by accidents that happen during transit. The maximum coverage amount is $1 million.
Trip Cancellation/Interruption Insurance
When a trip you book with your card gets canceled or ends prematurely due to factors out of your control, you can receive up to $1,500 in reimbursement.
Baggage Delay Insurance
When your baggage arrives at least four hours late on a trip booked with your card, you can receive up to $100 in reimbursement per day for three days. This coverage is meant to pay for essential items you are forced to buy due to not having your luggage, such as clothing and toiletries.
Lost or Damaged Luggage Insurance
If your baggage is lost, stolen or damaged during transit on a trip booked with your card, you can receive up to $1,500 per incident to replace the bags and their contents. There is a maximum of two claims per 12-month period.
*Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details.
**For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Capital One Quicksilver ranks as one of the best credit cards in WalletHub’s Credit Card Travel Insurance Study.
Rental Car Insurance
When you rent a car using your card, you can get reimbursed for collision damage and theft up to the actual cash value of most rental vehicles. To receive this coverage, you’ll need to decline any insurance that the rental car company offers. In the U.S., this coverage is secondary to your personal insurance.
*Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details.
**For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Capital One Mastercards, such as Capital One Quicksilver, rank decently in WalletHub’s Rental Car Insurance Study.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
24-Hour Travel Assistance Services
If your card gets lost or stolen while you’re traveling, you can get an emergency replacement card and emergency cash advances. You also get the following types of travel assistance from Mastercard when you call 1-877-288-6784:
- MasterTrip Travel Assistance: This service can provide information on your destination before you travel, like visa requirements, immunizations you need, or exchange rates. It can also help you find lost luggage and can arrange for emergency deliveries of up to $5,000 in cash from family and friends.
- Travel Services Medical Assistance: This gives you access to a global network of doctors, dentists, hospitals and pharmacies. It can also help you fill prescriptions while traveling and get in contact with your local doctor. Plus, it can help relay emergency messages or arrange travel to a medical facility.
- MasterLegal Referral Service: This service can give you English-speaking legal referrals while you’re traveling, as well as connect you to embassies and consulates. It can also arrange for the delivery of up to $5,000 from family, friends or businesses to pay for legal fees or post your bail.
- Master RoadAssist Roadside Service: When you have car trouble, you can use this service for a jumpstart, tire change, tow, or fuel delivery.
For all travel assistance services, it’s free to call the help lines, but you’ll be charged for any paid services the line connects you with.
Capital One Quicksilver Protection Benefits
Purchase Assurance
If an eligible item you purchase with your card gets damaged or stolen within 90 days, you can receive up to $1,000 per item and $25,000 per 12-month period in reimbursement.
*Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details.
**For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Purchase assurance is also known as purchase protection, and you can learn about the best cards with this benefit in WalletHub’s Purchase Protection Study.
Price Protection
If you find a lower price on a new item within 120 days of purchase you may be reimbursed for the difference, up to $250 per claim. You can make a maximum of four claims within a 12-month period. (*Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details)
You can learn more about this card’s coverage and the best credit cards with price protection here on WalletHub.
Extended Warranty
When an eligible item you purchase with your card has an existing manufacturer’s warranty of 24 months or less, this benefit doubles the length of that warranty. The maximum value of this benefit is $10,000 per claim.
*Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details.
**For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Capital One Quicksilver’s coverage is decent but not the best on the market, according to WalletHub’s Extended Warranty Study.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Security Alerts
Capital One will alert you if it detects suspicious activity on your account.
$0 Fraud Liability
You won’t be held liable for any fraudulent purchases made on your account, as long as you report them to Capital One.
Card Lock
If your card is misplaced, lost or stolen, you can lock it through your online account or the Capital One app to make sure no one can make purchases on it.
Free Credit Monitoring
Capital One offers a free service called CreditWise that allows you to monitor changes to your TransUnion and Experian credit reports. This benefit is available even if you don’t have a Capital One credit card account, though.
Mastercard ID Theft Protection
If you enroll in this free coverage, Mastercard will monitor the internet, deep web and dark web for signs of identity theft and alert you if it finds anything. It can also help connect you with resolution services if you’re a victim.
Identity Fraud Expense Reimbursement
You can receive up to $1,000 per claim in reimbursement if your identity is stolen. This coverage is meant to pay for expenses such as attorney fees, lost wages, notary fees and long-distance calls during the process of restoring your identity, cost of up to four credit reports, and expenses to dispute credit report errors.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Capital One Quicksilver Shopping Benefits
Capital One Offers
As a Capital One Quicksilver cardholder, you can access the Capital One Offers program. This lets you earn extra statement credits when you make purchases at eligible merchants. The available offers change from time to time.
Popular merchants affiliated with Capital One Offers include:
- Adidas
- Macy’s
- lululemon
- Walmart
- Lowe’s
- The Home Depot
- IHG
- Dell
- StubHub
- Ulta
- Vrbo
Capital One Dining
Capital One Quicksilver gives you access to Capital One Dining, which allows you to book tables at well-known restaurants that reserve seats specifically for Capital One cardholders. You can also get tickets to exclusive events like dinners with famous chefs.
Capital One Entertainment
Capital One Entertainment allows you to purchase event tickets that are set aside specifically for cardholders, as well as access presales before tickets go on sale to the general public. You can purchase exclusive experiences like celebrity meet-and-greets or VIP packages, too.
50% Off Handcrafted Beverages
You can go to one of more than 50 Capital One Café locations throughout the country for handcrafted beverages, free Wi-Fi and a place to relax or work. Capital One Cafés are open to anyone, but Capital One cardholders get a 50% discount on beverages when paying with their card.
Capital One Shopping
This online shopping tool will automatically apply discount codes to your card at checkout with various merchants.
Concierge
As a cardholder, you can access a free concierge service by calling the number on the back of your card. The concierge is basically a 24/7 personal assistant that can help you with things like:
- Finding restaurants and making reservations
- Booking travel
- Purchasing event tickets right when they go on sale
- Recommending and purchasing gifts
- Your own unique requests
Capital One Quicksilver Fee & Interest Benefits
$0 Annual Fee
The card’s annual fee is $0. In other words, all of the rewards you earn go straight into your pocket. You don’t have to spend a certain amount to make the card worthwhile.
Introductory APR
Capital One Quicksilver offers an introductory APR of 0% for 15 months on purchases and 0% for 15 months on balance transfers. That’s a decently long period of time, though there are some longer offers on the market.
Once the promotional period ends, your balance will be subject to the card’s regular APR of 18.99% - 28.99% (V). Any balance transfers you make are also subject to a fee of 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time.
Other Capital One Quicksilver Benefits
Capital One Eno
Capital One Eno is a virtual assistant that can answer questions about your account. It also is able to generate virtual card numbers for use when shopping online. Virtual card numbers allow merchants to charge purchases to your account while hiding your real card info.
Credit Building
Capital One Quicksilver allows you to build credit, since it reports to the credit bureaus on a monthly basis. The best ways to improve your credit score are to pay on time, pay your balance in full each month and keep your credit utilization low.
Instant Purchase Notifications
You can choose to get a notification any time a purchase is made on your card. This can help you catch fraud that Capital One doesn’t notice.
Free Authorized Users
You can add authorized users to your account for free. Each user gets their own card but shares a credit limit with the primary cardholder, who is responsible for paying for all purchases. Authorized users get most card benefits but don’t receive their own initial bonuses.
Some benefits might only be available to authorized users who are “account managers,” meaning that they have almost the same access to the account as the primary cardholder.
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