1.5% unlimited cash back + no foreign transaction fee — the international no-fee pick.
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Good–Excellent credit — 670+ FICO typical; Capital One pulls all 3 bureaus
ClearValue Rating: 4.3 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Moderate spenders who travel internationally and want a simple, no-category cash-back card with no FX fee.
The Capital One Quicksilver has no annual fee and no foreign transaction fee. The intro APR is 0% for 15 months on purchases and qualifying balance transfers; the regular variable APR applies after that. Ongoing, it earns 1.5% unlimited cash back on every purchase with no categories or caps. A welcome bonus is typically available — verify the current amount and spend requirement at capitalone.com. Note: Capital One pulls all three credit bureaus on application.
| Year 1 value | Ongoing value |
|---|---|
| Welcome bonus (verify at capitalone.com) + 1.5% cash back + 0% APR for 15 months; no FX fees | 1.5% unlimited; no annual fee; no FX fee |
| Confirm current welcome bonus and intro APR terms at capitalone.com | |
Capital One Quicksilver Cash Rewards Credit Card — 1.5% unlimited cash back + no foreign transaction fee — the international no-fee pick. Best for: Moderate spenders who travel internationally and want a simple, no-category cash-back card with no FX fee.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Capital One typically offers a welcome bonus on the Quicksilver — verify the current offer at capitalone.com before applying, as bonus amounts change. As of June 2026, recent offers have included a cash bonus after a minimum spend threshold in the first 3 months. Confirm the current bonus at the issuer.
Capital One is one of the few major issuers that pulls Equifax, Experian, and TransUnion for most credit card applications. This results in three hard inquiries rather than one, which can temporarily impact your credit score more than a single-bureau pull. The effect diminishes over 12 months, but it's worth noting if you're applying for multiple cards around the same time.
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. The Capital One Quicksilver Cash Rewards Credit Card is issued and operated by Capital One, N.A. APRs, fees, and terms are determined solely by Capital One and may change — verify current terms at capitalone.com before applying.
No — these are distinct products. The standard Capital One Quicksilver (this card) targets good-to-excellent credit (670+ FICO typical) and has no annual fee. Capital One QuicksilverOne is the step-down version for fair or rebuilding credit (580+ FICO typical) — it earns the same 1.5% cash back but charges a $39 annual fee. Both are issued by Capital One with the same rewards rate but different credit requirements and fee structures. Confirm eligibility and current terms for each card at capitalone.com.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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