Capital One Quicksilver
By Alex Compton · Last verified
3% on gas and groceries, 1.5% on everything else, no fee. Now on the Discover network.
Welcome Bonus
$200
≈$200 value
Spend Requirement
$500
in 3 months
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Current offer note: $200 cash bonus
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $200 | $500 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2023-06 | $200 | $500 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2021-01 | $200 | $500 in 3 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 3xGas stations and EV chargingAdded as part of the card's move to the Discover network; legacy Mastercard-network cards keep the flat 1.5% only
- 3xGrocery storesExcludes superstores such as Walmart and Target; legacy Mastercard-network cards keep the flat 1.5% only
- 1.5xAll other purchases
- 5xHotels & rental cars via Capital One Travel
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No foreign transaction fee
- ✦Cash back converts to miles next to a Venture card
Why it earns its spot
- +$200 for $500 spend is among the easiest bonuses anywhere
- +3% on gas and groceries now beats the old flat 1.5% for most households
- +No FTF on a free card
- +Upgrade path into Capital One miles
Where it costs you
- −Discover network acceptance trails Visa and Mastercard at some smaller merchants
- −Grocery 3% excludes superstores like Walmart and Target
- −Legacy Mastercard-network cards that haven't converted stay on the old flat 1.5%
The Compound Verdict
Capital One moved Quicksilver onto the Discover network as part of the Capital One-Discover integration and added 3% back on gas and groceries on top of the flat 1.5%, which makes a formerly mediocre flat-rate card genuinely competitive for most households. Take the $200 welcome bonus, then check whether your card has converted to Discover; if it's still on the old Mastercard terms, Capital One should migrate it automatically.
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