#Capital one quicksilver card review plus#

#Capital one quicksilver card review plus#

For example, the Citi Double Cash Card, another card with no annual fee, offers 1% back on every purchase plus another 1% when you pay your bill. But if you’re looking for a card that offers more rewards in areas where you spend a lot, this one won’t do. What's more, it doesn’t offer the highest flat rewards rate out there.

No Opportunity for Bonus Rewards Rates: The simplicity of the card's flat-rate rewards structure is appealing.

No Penalty APR: Unlike most cards, the APR doesn’t increase to a penalty rate-usually the highest interest rate charged on the card-after you’ve been in arrears on payments for 60 days or more.

Foreign transaction fees typically run close to 3% on each international purchase, so this card could save you a good amount. It’s not the only cash-back card that waives this fee on purchases made abroad, but you’ll find more cards that do charge it. No Annual or Foreign Transaction Fees: The card not only charges no annual fee-common among cash-back credit cards-but also no foreign transaction fee.

On top of that, you’ll also get an introductory 0% APR on purchases and balance transfers for 15 months. That’s an effective 40% return on the required spending and it’s achievable even for someone who has a relatively small budget. Nice Introductory Offers: As a new cardholder, you’ll earn a $200 cash bonus once you spend $500 on purchases within 3 months of your account opening.With its mid-level standard rate (some cards pay more), this card might prove not only simpler to use but more lucrative in the long run. While other rewards credit cards offer bonus rates on certain spending categories, some of those also offer only 1% cash back on all other spending. It offers a flat 1.5% cash-back rewards rate on every purchase you make, and there’s no limit to how much you can earn. Simple Rewards Program and Decent Return: If you’re looking for a no-fuss cash-back credit card that pays respectably, this one is worth considering.