Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

This card is one of the best cashback cards for low spenders. If you spend more than $20,000, the Citi Double Cash provides more value.
Editor's Rating: 4.5

Editor's Rating

4.5

Credit Cards
Advertiser Disclosure

Advertiser Disclosure: Some of the card offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products.

Disclaimer: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone. For a full list of our advertisers, see our disclosure page.

Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers see our disclosure page.

Advertiser Disclosure

Advertiser Disclosure: Some of the card offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products.

Disclaimer: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone. For a full list of our advertisers, see our disclosure page.

Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers see our disclosure page.

Contents

The Capital One® Quicksilver® Cash Rewards Credit Card is a great credit card for consumers who are looking to maximize cash back on their credit card spending. It is a hassle free and simple card that gets you the highest pure cash back rewards rate (1.5%, about 50% higher than average) with the least hoops to jump through. There's a bit of poetry to its name: quicksilver is a common name for the element Mercury, which is the only metal that is liquid at standard conditions for temperature and pressure = credit card with liquid rewards.

Review: Capital One® Quicksilver® Cash Rewards Credit Card is the Best Simple Cash Back Credit Card

We recommend this as an excellent option for people who want a straightforward everyday card to use that still gets them a high rewards rate. No need to plot, scheme, or keep track of special categories or quarterly sign-ups with this card. There are also no limits to cash rewards earned with the Capital One® Quicksilver® Cash Rewards Credit Card. Cash rewards show up rather quickly, and can be accessed as soon as transactions or charges are cleared on your credit card. With the Capital One® Quicksilver® Cash Rewards Credit Card, cardmembers will be trading off maximizing their rewards rate for simplicity. At a glance, here are the major pros and cons of this card from Capital One®.

Pros of the Capital One® Quicksilver® Cash Rewards Credit Card

  • The highest pure and straightforward cash back percentage among credit cards of 1.5%
  • No annual fee or FX fees to eat away at rewards
  • $150 early spend bonus after you spend at least $500 within the first 3 months of account opening
  • Cash posted and can be accessed instantaneously

Cons of the Capital One® Quicksilver® Cash Rewards Credit Card

  • No special categories for extra 5% bumps - both a pro and a con depending on cardholder preferences
  • For people with excellent credit (consumers with average credit: Capital One® Quicksilver® Cash Rewards Credit Card)
  • Travelers spending more than $11,800 are better off with Capital One®'s Venture® Rewards credit card

Is the Capital One® Quicksilver® Cash Rewards Credit Card Worth It?

Yes. It makes a great addition for both satisficers and maximizers alike. A satisficer is someone who's ok with trading convenience for not getting the absolute highest return. A maximer will pursue getting the highest return even at the cost of complexity and inconvenience. Satisficing consumer can use the Capital One® Quicksilver® Cash Rewards Credit Card for everyday hassle-free spending without monitoring quarterly promotions from their credit cards. Good for convenience and simplicity, not ideal for high-spenders who could benefit from those special categories (restaurants, certain merchants, etc.). On the other hand, maximizers can use Capital One® Quicksilver® Cash Rewards Credit Card as their primary default card in their carousel of credit cards. After they've maximized the rewards and spending limits on their special category cards, then these users can return to the Capital One® Quicksilver® Cash Rewards Credit Card as the base credit card for 1.5% rewards. 

Bottom Line: No-fee, highest standard cash back percentage = excellent cash back default rewards credit card.

Capital One® Quicksilver® Cash Rewards Credit Card Benefits & Features

Capital One® Quicksilver® Cash Rewards Credit Card
Annual Fee
$0
Purchase APR
14.49% - 24.49% (Variable)
Credit Needed Excellent, Good
Foreign Transaction Fee None
Details
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.49%-24.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.49%-24.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Note: The information in this box was provided by Capital One and is not part of our independent analysis.

Early Spend Bonus & Other Promotions

The bonus is $150 in cash. There's a pretty low spending requirement to get that bonus, too - most other cards require spending in the thousands, but the Capital One® Quicksilver® Cash Rewards Credit Card raises the bar. You just have to spend $500 on purchases in the first 3 months. The only question is what you'd like to splurge that free Benjamin on.

Highest Standard Cash Back Credit Card

Before the Capital One® Quicksilver® Cash Rewards Credit Card, other credit cards offered a standard 1% cash back. The Capital One® Quicksilver® Cash Rewards Credit Card has upped the ante now to 1.5% every day, every purchase. This 1.5% is likely 50% higher than the rewards rate for other standard no-fee credit cards.

Redeeming Your Rewards

Capital One® Quicksilver® Cash Rewards Credit Card cardholders can use the app or web interface to redeem their rewards as a check or account credit. 

Screenshot Apps Reward Redemption        Capital One Quicksilver Reward Redemption

The Capital One® Quicksilver® Cash Rewards Credit Card Rate & Redemption

Now let's talk about the rewards redemption and the return rate of this credit card. Just request an account credit, check, or gift card. Checks will take longer to process, issue, and mail, but account credits apply towards your balance more quickly. You don't need to specify what charges you want to erase (as with the Capital One® Venture® family of cards) - the Capital One® Quicksilver® Cash Rewards Credit Card is indifferent. You also get the same value applied regardless of the type of merchant or transaction (with the Venture® card, you get 2% cash back on travel statement credit redemptions, but only 1% cash back on other types of purchases). Have a special treat or splurge on Capital One®, and use those earnings on a trip to the spa, or a sleek new gadget.

Reward Redemption: The rewards show up as a dollar value that you can deploy as you wish! Cardholders can even set up automatic redemption by logging into their account. Once their cash back rewards hit a certain threshhold, Capital One® automatically applies your cash back per your instructions.

Comparisons for the Capital One® Quicksilver® Cash Rewards Credit Card

What other credit cards do consumers typically compare the Capital One® Quicksilver® Cash Rewards Credit Card to?

Capital One® Quicksilver® Cash Rewards Credit Card vs. Barclays CashForward™ World Mastercard®

Barclays CashForward™ World Mastercard®
This card is not available through ValuePenguin.

The Barclays CashForward™ World Mastercard® is a flat rate 1.5% cash back card, that gives a 5% bonus reward towards your next redemption, each time you redeem. That boost makes it perform better than the Capital One® Quicksilver® Cash Rewards Credit Card, as far as spending rewards are concerned. One downside of the Barclays CashForward™ World Mastercard® is the 3% foreign transaction fee. That makes the Capital One® Quicksilver® Cash Rewards Credit Card better suited for international use. Of course, since both cards come with no annual fee, there is nothing stopping you from getting both.

Capital One® Quicksilver® Cash Rewards Credit Card vs. Capital One® VentureOne® Rewards Credit Card

The Capital One® VentureOne® Rewards Credit Card's redemption rate of 1.25% is rather low... and keep in mind, it's only 1.25% if the rewards are redeemed towards travel. You only get a higher rewards rate when using this card at hotels.com/Venture. The card's early spend bonus is quite attractive for the VentureOne®, but for users with longer-term horizons and higher amounts of charges, the Capital One® Quicksilver® Cash Rewards Credit Card is much better. 

Short-term: If your horizon is short-term, and you spend less than $40,000 in your first year, then the VentureOne® wins. You get 20,000 miles  miles once you spend $1,000 within the first 3 months. That comes out to a value of $200 when used towards travel, hotel, taxis, and rental cars.
Long-term: If you plan on holding this card as your primary credit card for the longer run, then the extra 0.25% difference of the Capital One® Quicksilver® Cash Rewards Credit Card over the VentureOne® starts to kick in the first dollar after $40k. 

Capital One® Quicksilver® Cash Rewards Credit Card vs. Capital One® Venture® Rewards Credit Card

The Capital One® Venture® Rewards Credit Card from Capital One® has a $95 annual fee (free for the first year), but on an ongoing basis, its higher earnings rate will outpace the Capital One® Quicksilver® Cash Rewards Credit Card. Below $19,000 of spending on your credit card, the Capital One® Quicksilver® Cash Rewards Credit Card will maximize your rewards because that $95 annual fee hasn't been recuperated sufficiently enough. However, if you're planning on spending MORE than $11,800, then the Venture® will give you a higher return rate. Our assumptions are based on redeeming the Venture® Rewards on travel expenditure (taxis, car rentals, flights, public transportation, etc.) at 2%. We do not account for the fact that you can get 10x miles at hotels.com/Venture through January 31, 2020, which would complicate the calculations. Redeeming the Venture® Rewards for anything else gets you 1% cash back effectively. In other words, if you don't travel or use any of those categories in the parenthesis, then the Capital One® Quicksilver® Cash Rewards Credit Card is the better card for you.

Inflection Point: $95 annual fee / (0.02 Venture® rewards redemption rate - 0.015 Capital One® Quicksilver® Cash Rewards Credit Card rewards redemption rate) = $19,000.

Compare Different Cash Back Credit Cards

If you’re still not sure how the Capital One® Quicksilver® Cash Rewards Credit Card performs based on your exact budget you can use the tool below to figure that out. Input your estimated monthly expenditures, and our calculator will calculate for you the estimated 2-year net returns for each card.

Assumptions Based On Monthly Spend of: $1,000 Edit
General:
U.S. Gas Stations:
U.S. Supermarkets:
Airlines:
Hotel:
U.S. Restaurants:
Office:
Utilities:
Computing:
Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. All estimates are based on the spend assumptions entered above (which you can edit).

Bonus Value

The bonus field shows our estimate for the value of the card’s welcome bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool. All estimates are based on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards value is calculated by adding together the rewards earned from charging purchases to the card over two years and any welcome bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card and on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Wells Fargo Cash Wise Visa® Card
$0 2.33%
$200
Earn $200 cash rewards bonus after spending $1,000 in the first 3 months
$560
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 36,000 x $0.01 = $360
Bonuses
0 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 560

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.49%-26.49% (Variable)

Card Details

  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 14.49%-26.49% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
PayPal Cashback Mastercard®
No Annual Fee 2.00%
$0
$480
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 480 x $1 = $480
Bonuses
0 x $1 = $0
0 x $1 = $0
Total Net Estimated Rewards Through 24 Months 480

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 16.99%, 24.99% or 27.99% Variable

Card Details

  • No annual fee
  • No restrictions on the type of purchases you can make to earn cash back
  • No rotating categories to keep track of, just 2% cash back on every purchase, every day
  • Redeem your Cash Rewards directly into your PayPal balance
  • Requires PayPal account
  • No redemption threshold
Capital One® Savor® Cash Rewards Credit Card
$0 1.62%
$150
$150 once you spend $500 on purchases within the first 3 months
$390
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 24,000 x $0.01 = $240
Bonuses
0 x $0.01 = $150
Total Net Estimated Rewards Through 24 Months 390

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 15.99% - 24.74% (Variable)

Card Details

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.99%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.99%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No annual fee
  • No foreign transaction fees

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

HSBC Cash Rewards Mastercard®
$0 2.12%
$150
$150 Cash Back For new HSBC Cash Rewards Mastercard® credit card customers who spend $500 or more in new, net card purchases during the first 3 months from account opening
$510
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 360 x $1 = $360
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 510

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR Variable APR of 14.49%, 18.49% or 24.49%
*Rates and Fees

Card Details

  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 14.49%, 18.49% or 24.49% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees
Chase Freedom Unlimited®
$0 2.12%
$150
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening;Earn a $25 Bonus when you add your first authorized user and make a purchase within this same 3-month period
$510
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 36,000 x $0.01 = $360
Bonuses
0 x $0.01 = $150
Total Net Estimated Rewards Through 24 Months 510

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 16.49% - 25.24% Variable

Card Details

  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Capital One® Quicksilver® Cash Rewards Credit Card
$0 2.12%
$150
Get $150 bonus after spending $500 within the first 3 months
$510
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 360 x $1 = $360
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 510

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.49% - 24.49% (Variable)

Card Details

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.49%-24.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.49%-24.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

TRIO℠ Credit Card
No Annual Fee 1.42%
$100
Get a $100 bonus after you spend $1,000 within 90 days of opening a new account.
$340
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 24,000 x $0.01 = $240
Bonuses
0 x $0.01 = $0
10,000 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 340

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 14.24% to 23.24% Variable

Card Details

  • 3% cash back rewards at restaurants and 2% cash back rewards on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
  • 1% unlimited cash back rewards on all other purchases
AARP® Credit Card
No Annual Fee 1.42%
$100
Spend at least $500 on purchases in your first 3 months and receive $100 in cash back
$340
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $0
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 340

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 16.49%

Card Details

  • 3% cash back at restaurants and gas stations
  • 1% cash back everywhere else
  • No Annual Fee
  • 0% Intro APR for 12 months on purchases and balance transfers
U.S. Bank Cash 365™ American Express® Card
No Annual Fee 1.92%
$100
Cardholders who have a qualifying U.S. Bank product and spend $500 within the first 3 months of account opening receive $100
$460
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 360 x $1 = $360
Bonuses
0 x $1 = $0
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 460

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 14.74% - 23.74% Variable

Card Details

  • Earn unlimited 1.5% cash back on eligible net purchases
  • New cardmember bonus: $100 after you spend $500 in eligible net purchases in the first 90 days you have the card
  • 0% Intro APR on balance transfers for 12 billing cycles. After that, a variable APR currently 14.74% - 23.74%
  • Unlimited cash back
  • Cash back never expires
  • No annual fee
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017
Sam's Club Mastercard
No Annual Fee 1.00%
$0
$240
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $0
0 x $1 = $0
Total Net Estimated Rewards Through 24 Months 240

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 14.9% 22.9% Variable

Card Details

  • 5% cash back on gas* at U.S. and Puerto Rico gas stations and on gas at Sam’s Club (on first $6,000 per year in purchases, then 1% on purchases after)
  • 3% cash back on dining and travel
  • 1% cash back on other purchases
  • No annual fee
  • Annual cash back payout capped at $5,000
  • Doubles as your membership card
Discover it® ­- Cashback Match™
$0 1.50%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.49% - 24.49% Variable

Card Details

  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn unlimited 1% cash back on all other purchases – automatically.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Discover it® chrome
$0 1.50%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.49% - 24.49% Variable

Card Details

  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
NHL® Discover it® Card
$0 1.50%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.49% - 24.49% Variable

Card Details

  • Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information. ©NHL
Discover it® for Students
$0 1.50%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.49% - 23.49% Variable

Card Details

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.49% - 23.49%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Discover it® chrome for Students
$0 1.50%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.49% - 23.49% Variable

Card Details

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.49% - 23.49%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Discover it® Secured Card ­- No Annual Fee
$0 1.50%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 24.49% Variable

Card Details

  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Susan G. Komen® Credit Card
Image of Susan G. Komen® Credit Card No Annual Fee 1.63%
$150
$150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$390
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $0
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 390

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
BankAmericard Cash Rewards™ Credit Card
No Annual Fee 1.63%
$150
$150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$390
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $0
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 390

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 12.99% - 22.99% Variable

Card Details

  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% Variable APR. 3% fee (min $10) applies to balance transfers.
Chase Freedom®
$0 1.62%
$150
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
$390
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 390

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 16.49% - 25.24% Variable

Card Details

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Capital One® QuicksilverOne® Credit Card
$39 1.17%
$0
$282
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 360 x $1 = $360
Less Annual Fees -$78
Total Net Estimated Rewards Through 24 Months 282

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $39
APR 24.99% (Variable)

Card Details

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

U.S. Pride® Credit Card
Image of U.S. Pride® Credit Card No Annual Fee 1.42%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$340
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $0
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 340

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
World Wildlife Fund Credit Card
Image of World Wildlife Fund Credit Card No Annual Fee 1.42%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$340
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $0
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 340

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
MLB® Credit Card
Image of MLB® Credit Card No Annual Fee 1.42%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$340
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $0
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 340

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
Ally CashBack Credit Card
No Annual Fee 1.42%
$100
Receive a $100 bonus when you make $500 in eligible purchases during the first 3 billing cycles
$340
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 24,000 x $0.01 = $240
Bonuses
0 x $0.01 = $0
0 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 340

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.24%, 18.24% or 23.24% Variable

Card Details

  • 2% cash back at gas stations and grocery stores
  • 1% cash back on all other purchases
  • $100 bonus when you make $500 in eligible purchases during the first 3 billing cycles
  • 10% Ally Deposit Bonus when you deposit your cash rewards into an eligible Ally Bank account
BankAmericard Cash Rewards™ for Students
No Annual Fee 1.42%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$340
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 340

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
PNC CashBuilder® Visa Credit Card
No Annual Fee 1.25%
$0
$300
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 300 x $1 = $300
Bonuses
0 x $1 = $0
0 x $1 = $0
Total Net Estimated Rewards Through 24 Months 300

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.24% to 22.24% Variable

Card Details

  • 1.25% to 1.75% cash back depending on how much you spend or your banking relationship with PNC
  • Earn between 1.25% and 1.75% cash back on all purchases, depending on how much you spend
  • Redemptions start at $50
  • Rewards don't expire
  • $0 Fraud Liability
BP Visa® Credit Card
No Annual Fee 0.75%
$0
$180
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 18,000 x $0.01 = $180
Bonuses
0 x $0.01 = $0
0 x $0.01 = $0
Total Net Estimated Rewards Through 24 Months 180

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 27.24%

Card Details

  • Introductory Offer: Earn 25¢ off** per gallon For every $100 you spend with your BP Visa® Credit Card or BP Credit Card for the first 90 days your account is open (excluding non-BP gas stations)
  • 25¢ off per gallon for every $100 you spend at BP
  • 15¢ off per gallon for every $100 you spend for eligible groceries, dining and travel
  • 5¢ off** per gallon for every $100 you spend everywhere Visa® credit cards are accepted (excluding non-BP gas stations)
  • No annual fee
National Geographic Platinum Edition® Visa®
No Annual Fee 1.21%
$50
Receive 5,000 bonus points after you spend $1,500 in the first 3 billing cycles
$290
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 24,000 x $0.01 = $240
Bonuses
0 x $0.01 = $0
5,000 x $0.01 = $50
Total Net Estimated Rewards Through 24 Months 290

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 15.99% - 22.99% Variable

Card Details

  • Receive 5,000 bonus points after you spend $1,500 in the first 3 billing cycles
  • 2 points per $1 spent on purchases made through National Geographic
  • 1 point per $1 spent eveywhere else
  • 12 digital issues of National Geographic magazine plus online archive
  • 20% off qualifying purchases through the National Geographic catalog and online store
  • $250 off Nat Geo Expeditions and Adventure trips
Journey® Student Rewards from Capital One®
$0 1.00%
$0
$240
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Total Net Estimated Rewards Through 24 Months 240

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 24.99% (Variable)

Card Details

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

More Info

If you're bankruptcy-free, an on-time payer (or no more than 60 days late), with more than $5,000 in debt for at least three years, then you should be good. Folks report getting an approval decision as soon as they hit the submit button on the card's application website. It's quite easy to apply - one page asking for standard income, rent or mortgage, and bank and investment balances, et voila.

Comments and Questions

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Info about the following cards: American Express® Gold Card, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card, Starwood Preferred Guest® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, and Starwood Preferred Guest® American Express Luxury Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. For more information please see our Advertiser Disclosure.