Not all cards offer this flexibility - some set minimum redemption thresholds. You can redeem rewards at any amount and at any time with the Capital One Quicksilver Cash Rewards card. If you don’t have a hefty budget, this welcome bonus offer is the best value available, and is matched only by the the Wells Fargo Active Cash® Card. Many other top welcome bonus cards may net you a higher value overall, but the spending threshold of $500 is just a fraction of what most other cards require. The $200 cash bonus welcome offer (after spending $500 within the first three months of account opening) has one of the best ratios of spending to bonus on the market. Depending on your typical spending patterns, you may be better off choosing a card targeted to earn higher rewards rates on your top spending categories. Keep in mind that a flat-rate card isn’t always a good choice for everyone. Some credit cards offer up to 2% cash rewards on purchases, but they don’t include all of the other benefits that the Quicksilver Cash Rewards card offers. Plus, you can earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply).įlat-rate cards offer simplicity - you don’t have to think about which card you’re using for which transactions to maximize rewards. This is a standard flat rate for cash-back cards (though cards that offer elevated rates on specific categories - like groceries, gas or restaurants - may only offer a 1% flat rate on other purchases). Quicksilver Cash Rewards earns you 1.5% cash back on every purchase you make, without limitations. If you don’t travel internationally, this card may still be a good choice if you’re looking for an emergency credit card or balance transfer credit card, or if you can’t qualify for one of our other picks below.
So if you travel abroad frequently and want solid benefits, this card is worth considering. The card is overshadowed in some aspects by its near competitors, but it does have one thing they don’t: no foreign transaction fees. You will need good or excellent credit - typically a credit score of 670 or higher - to qualify for the Quicksilver Cash Rewards. While these benefits don’t necessarily stand out in any single category, when the perks are combined they add up to an enticing offer and a worthwhile alternative to our other favorites. The Capital One Quicksilver Cash Rewards Credit Card* offers a solid spread of features, including a simple yet fruitful welcome bonus, an average flat rewards rate of 1.5%, no annual fee and a solid introductory APR offer. Earn unlimited 1.5% cash back on every purchase, every day
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