Is the Capital One Quicksilver Cash Rewards worth a spot in your wallet?
The honest math on the Capital One Quicksilver Cash Rewards: which credits you'd actually use, what its points earn 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.
Card data verified against Capital One on 2026-08-21.
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