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Credit card · Capital One
Last verified June 16, 2026

Capital One Quicksilver

$200 cash after just $500 in the first 3 months — one of the lowest spend bars anywhere, so most people clear it on normal purchases. It earns an unlimited flat 1.5% on everything with no annual fee and no foreign transaction fee, making it a low-stress everyday or first card. The trade-off: 1.5% is beaten by tiered or rotating-category cards, so it's a simplicity play, not a rewards maximizer.

The deal

Spend $500 on purchases within the first 3 months from account opening

The walkthrough

  1. 01 Apply for the Quicksilver (excellent-credit tier) on Capital One's site and confirm the $200 / $500 offer is showing.
  2. 02 Put routine spending — groceries, gas, bills — on the card to reach $500 within 3 months.
  3. 03 Pay in full each month so interest doesn't eat the bonus.
  4. 04 Watch for the $200 to post within a cycle or two after you hit $500.

What to watch for

  • ! Capital One typically pulls all three credit bureaus; approval can be tricky for thin or borderline files.
  • ! The full $500 must post within 3 months of opening — not a rolling window.
  • ! No foreign transaction fee makes it a fine travel companion, but the flat 1.5% is easily beaten by category cards for heavy spenders.
Editorial note

Offers change frequently. BonusPrimer verifies every bonus monthly, but before you apply, confirm the current terms directly with the issuer. We are not a bank and do not decide approvals. Our methodology →