Capital One Quicksilver Cash Rewards: worth a spot in your wallet?

The honest math on the Capital One Quicksilver Cash Rewards: what its cash back earns beyond a plain 2% card and what its protections would cost to buy.

Capital One · No annual fee · cash back

Earning rates

5x Hotels, vacation rentals, rental cars & activities via Capital One Travel
5x Capital One Entertainment ticket purchases
1.5x Everything else

Protections and perks (11)

No Foreign Transaction Fees — No surcharge on purchases made outside the United States.
Extended Warranty — Doubles the manufacturer's US warranty by up to 1 additional year on eligible warranties of 2 years or less.
Purchase Security — New purchases covered 90 days against theft or damage.
Price Protection — Reimburses the difference if an identical item you bought turns up advertised cheaper elsewhere within 120 days.
Auto Rental Collision Damage Waiver — Collision/theft coverage on rentals paid with the card, up to the vehicle's actual cash value — secondary to your personal auto policy in the US if you carry one, otherwise primary; always primary when renting outside your country of residence.
Baggage Delay Reimbursement — Reimburses essential items when checked baggage is delayed more than 4 hours on a covered trip.
Lost Luggage Reimbursement — Reimburses checked or carry-on baggage lost, stolen, or damaged by the common carrier, in excess of the carrier's own payout.
Travel Accident Insurance — Accidental death or dismemberment coverage while riding as a passenger on a common carrier whose fare was charged to the card.
Trip Cancellation / Interruption — Reimburses non-refundable common-carrier fares if a covered trip is cancelled or cut short.
Hertz Five Star Status — Complimentary Hertz Five Star elite status — skip the counter, wider car choice.
24/7 Concierge Service — Complimentary concierge for travel and restaurant reservations, event tickets, gift arrangements, and business services.

Recent changes to this card's data

2026-09-12 — Capital One Quicksilver Cash Rewards

Verified accurate — no changes. Fee, earning rates, no foreign transaction fee, and coverage benefits re-confirmed against capitalone.com and Capital One's Guide to Benefits. The card's Mastercard-to-Discover network migration remains partial — new applicants are still shown the standard rate structure — per the latest available reporting from nerdwallet.com.

2026-08-21 — Capital One Quicksilver Cash Rewards (new card)

Added new card capital-one-quicksilver. $0 annual fee, currently issued on Mastercard, flat cash back (1 cent/point — back — check, statement credit, or direct deposit). Sources: https://www.capitalone.com/credit-cards/quicksilver/ , https://www.capitalone.com/learn-grow/money-management/quicksilver-card-benefits/ , https://www.capitalone.com/learn-grow/money-management/capital-one-quicksilver-vs-savor/ , https://ecm.capitalone.com/WCM/card/discover-gtb_english-web.pdf , https://www.nerdwallet.com/credit-cards/news/some-capital-one-quicksilver-cards-moving-to-discover , https://www.doctorofcredit.com/capital-one-quicksilver-moves-to-discover-network-get-3-cashback-on-gas-grocery-1-5-everywhere/
Earning: flat 1.5% on everything, plus 5% Capital One Travel (hotels, vacation rentals, rental cars & activities — portal-only) and 5% Capital One Entertainment (ticketing platform only) — both shown but not auto-counted. No dining/grocery bonus category — the base 1.5% is the whole story for everyday spend.
Coverages sourced from Capital One's "Guide to Benefits: Venture, VentureOne, Savor, SavorOne, Quicksilver and QuicksilverOne on the Discover Network" PDF (effective 2026-02-01), which names Quicksilver on its cover — identical figures to the existing Savor/Venture files: no-FTF, extended warranty ($10k/claim, $50k/cardholder), purchase security ($1k/claim, $25k/12mo), price protection ($250/item, $1k/yr), rental CDW (secondary in US, up to 31 consecutive days), baggage delay ($100/day x3 days, $300 max), lost luggage ($3,000/trip, $2,000/bag NY), travel accident insurance ($1,000,000), trip cancellation/interruption ($1,500). Concierge and Hertz Five Star Status confirmed on the live product page.
Live network migration, watched: Capital One is mid-rollout moving Quicksilver from Mastercard to Discover after its 2025 Discover acquisition. Some existing cardholders reissued on Discover in May 2026 reportedly gained an unlimited 3% grocery/gas category — but Capital One won't confirm new applicants get it, and the live public page still advertises only 1.5%/5%/5%, so the 3% category is deliberately NOT counted here. The card page carries the migration story, and it'll be re-verified as the rollout settles.

Card data verified against Capital One on 2026-09-12.

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