Author: Mike AndersonVerdict – The Capital One® Quicksilver® Cash Rewards Credit Card card is one of the best no-annual fee rewards credit cards out there, earning what amounts to 1.5% cash back on all purchases.
The Capital One® Quicksilver® Cash Rewards Credit Card is kind to debtors and reward hunters both. The signup bonus is generous – One-time $100 bonus after you spend $500 on purchases within the first 3 months. After that, too, this card is one of the best out there, simply as a cash rewards card. It earns 1.5% cash back on all purchases - no gimmicks, no rewards caps, and no foreign transaction or annual fees. You don’t have to worry about enrolling in bonus categories or redeeming less-than-helpful points and miles, making the card simple as well as lucrative. International travelers will find something to love too: All Capital One cards waive the foreign transaction fee, saving you about 3% on every dollar you spend overseas. Finally, the Quicksilver card makes sure you get your relationship off to a great start -- it comes with 0% on purchases and balance transfers until November 2015, and then the ongoing APR of 12.9% - 22.9% (Variable)
To qualify for a great card like this, you’ll need good or excellent credit, which means your FICO score should hover somewhere in the 700-850 area. If your credit is closer to average, and you’d still like to earn rewards while paying off debt, check out the NFL Extra Points Credit Card
. It may be a branded card – which most often caters specifically to a niche audience – but the Extra Points won’t earn you rewards exclusively on NFL merchandise. You’ll earn 1% on all purchases and 2% on the NFL, and you can redeem for statement credit, for purchases made both in and out of the stadium.
The Capital One® Quicksilver® Cash Rewards Credit Card may offer .5% more on rewards, but the NFL card will do just fine if Capital One declines your application.