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1.5%Earn unlimited 1.5% cash back on every purchase, every day. $0 annual fee
$0
0% intro APR for 15 months on purchases and balance transfers
19.74%-29.74% Variable APR
$200 in cash back so long as you spend $500 within 3 months from the account opening date
Statement credit, direct deposit, or check. Also redeem points online for shopping.
For an everyday spend cash-back card, the Quicksilver is difficult to beat due to the lack of an annual fee coupled with the 15-month intro 0% APR. While the 1.5% back may seem limiting, the added perks offered by the card can potentially sweeten the deal.
Pantry stockers 
You are not happy unless you have a kitchen full of food. You are the designated grocery person in your household, and you are good at it. But what you really like is getting cash back for spending in this category.
Always on the Road
Travel is your middle name. When you aren’t taking advantage of transit for your daily commute in the form of cabs, rideshares and trains, you are looking for a weekend escape. And if there is an opportunity to go somewhere, you take it. You are into earning miles, getting hotel upgrades, eating out and making sure your car is always fueled.
Social Butterflies
You are a person of the people and love to hang out with your friends whether it is a beautiful meal out, attending a sporting event or rocking out at a live concert. If something fun is happening, you want to be there and get rewarded for it.
Digital Junkies
Netflix, Amazon Prime, YouTube, Apple TV, Spotify, Hulu, you've got them all. There is so much high-quality content to stream out there, and you want to see and hear it all. And you have the best electronic equipment to stream it on. You also try to save on utilities for your digital household. You deserve to get some cash back for all of this (especially being ahead of the game with finding the next binge-worthy show.
Foodies
If there is a new restaurant opening, you are there. You are all about the latest food fusion trend no one has heard of and putting it on the map. You love finding the best new restaurant but also like to go to your old standbys and earning cash back for all. And when you aren’t finding the best new restaurant, you are experimenting with recipes at home, so you also need a good card for reaping the rewards of grocery shopping.
Avid Shoppers
You love a great bargain and know your way around a Neiman Marcus as well as a Target. You also love a good online shopping session. Finding a sale at your favorite store is great, but what you really love is a great cash back rewards program.
Health Nuts
Eat healthy, exercise, and take care of yourself is your mantra. You belong to the best gyms, follow all the latest healthy food recommendations, and make a trip to the drug store every week to purchase the latest supplements and vitamins.
What really sets the Quicksilver credit card apart from other similar cards is the current welcome bonus offered. By putting just $500 on the card within three months of opening your account, you will receive $200 in cash back. Assuming you use this card for daily purchases, this $500 minimum should be relatively easy to meet.
In reality, the only limitation on this card is the lower 1.5% cash back flat rate. To maximize your credit card rewards, consider pairing this flat rate card with a bonus category or tiered credit card that offers higher percentages in certain spend categories. For example, if you already have the Capital One SavorOne card, you will be earning 3% on dining, entertainment, and streaming, but only 1% on all other purchases. By adding the Quicksilver card to your wallet, you can get an extra .5% on all purchases besides the bonus categories targeted by the SavorOne card.
Apply for: Capital One SavorOne card
3% fees on amounts transferred during the first 15 months
25.24%
None
up to $40
No penalty fees
750-800+ score
All Capital One customers can apply the free browser extension to automatically apply discount codes and coupons when shopping online. Saving customers over $160 million last year alone, this benefit can be quite helpful if the majority of your shopping is done digitally.
Every time a new purchase is approved on your account, you can choose to have a push notification sent to a registered phone number to help protect against fraud.
If pure cash back isn’t appealing to you, consider redeeming your points on Amazon.com in full. With millions of eligible items on Amazon, all you need to do is link your Capital One Rewards account to the site and you will be on your way to making purchases with your earnings.
By holding a Capital One card, you will gain VIP access to pre-sales for concerts, five-star meals, and other entertainment related activities.
To put into perspective how cash-back earning may work with this card, here is a potential example that may occur:
Say in a given year you spend $35,000 on miscellaneous expenses ranging from food, gas, general expenses, and more. Over the course of that year, you would have earned $525 (1.5% of your total purchase amount) in cash-back that can be deposited to any account you have with Capital One or used as Amazon rewards. Rewards are earned per billing cycle, which means you don’t need to wait until the end of the year to redeem any earnings you may have.
| Pros | Cons |
|---|---|
 No annual fee associated with the card |  Excellent credit score is recommended |
| No foreign transaction fees | No rotating categories or bonus percentage rewards |
| Generous $200 cash back welcome bonus so long as $500 is spent within 3 months | |
| Intro 0% APR for the first 15 months |
