Capital One Quicksilver World Mastercard® Review

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The Bottom Line

The Capital One Quicksilver World Mastercard® offers the same headline rewards as its World Elite sibling, with a lower income bar of $50,000 individual or $80,000 household. You get unlimited 3% cash back on eligible groceries, gas and EV charging, 1% on everything else, no annual fee and no foreign transaction fees. New cardholders also get a dollar-for-dollar match of all cash back earned in the first 365 days, which doubles the earn rates in year one. Essentially, it's a more accessible alternative.

Our choice for: Cash back on groceries and gas with no annual fee

Capital One Quicksilver World Mastercard®
Quicksilver World Mastercard®
Capital One Quicksilver World Mastercard®

4.3

Finly Rating
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on Capital One's website

Welcome Bonus

Unlimited dollar-for-dollar match of all cash back earned in your first year*

Rewards Rate

1% - 3%

Cash Back

Annual Fee

$0

Interest Rates

21.9% - 29.9%* / 21.9% - 29.9%*

RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660⁎
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring
Get your free credit score

Rewards

  • 3% unlimited cash back at eligible grocery stores (superstores like Walmart and Costco excluded)
  • 3% unlimited cash back at eligible gas stations and EV charging stations
  • 1% cash back on all other eligible purchases, with no limits or caps
  • Cash back doesn't expire for the life of your account and is redeemed as a statement credit

Insurance

Coverage

  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    1 year
  • car insurance

    Car Rental Damage & Theft

    Charge the full cost of an eligible rental car to your card for a rental period of up to 31 consecutive days and decline the rental company’s Collision Damage Waiver
  • heart lock

    Common Carrier Travel Accident Insurance

    Up to $500,000 per insured person to a maximum of $1,500,000 for all insured persons
  • hourglass timer

    Flight Delay

    Reimbursement of up to $250 per 24 hours for a maximum of 48 hours (up to $1,000 per trip) for emergency expenses like meals, lodging and essential items
  • hourglass timer

    Baggage Delay

    Reimbursement of up to $100 per day for up to three days to purchase emergency essential items
  • lost baggage

    Lost or Stolen Baggage

    Reimbursement of up to $1,000 per trip for all insured travellers

Benefits

Details

  • price protection

    Price Protection

    If an item is discounted within 30 days of purchase, Price Protection Service can refund you the price difference up to $100 per item and $500 per calendar year.
  • credit card lock

    Mastercard Zero Liability Protection

    Protection from unauthorized charges on your card
  • exchange money

    No Foreign Transaction Fees

Eligibility

  • Credit Score

    Good

  • Annual Income

    $50,000 personal or $80,000 household

Welcome Bonus Details

New cardholders get an unlimited dollar-for-dollar match of all the cash back earned in their first 365 days, which brings the first-year rates to 6% at groceries, 6% at gas and EV charging, and 2% everywhere else.*

Card Details

Interest Rates

Purchase APR

21.9% - 29.9%*

Cash Advance APR

21.9% - 29.9%*

Balance Transfer APR

21.9% - 29.9%*

* Purchase, balance transfer and cash advance interest rates range from 21.9% to 29.9%, depending on your credit profile.

Fees

Annual Fee

$0

Additional Cards

$0

Eligibility

Minimum Individual Income

$50,000

Minimum Household Income

$80,000

Credit Score Estimate

Good

Type

Card Type

Credit

Reward Type

Cash Back

Pros & Cons

Pros

  • Solid unlimited cash back
  • No annual fee
  • No foreign transaction fees
  • First-year cash back match
  • Cash back never expires
  • Lower income requirement
  • Travel and purchase insurance

Cons

  • Superstores excluded from grocery rate
  • Statement credit redemption only
  • Cash back match lasts first year only
Capital One Quicksilver World Mastercard®

Capital One Quicksilver World Mastercard®

4.3

FinlyWealth Rating

Get personalized rewards estimates — see exactly how much you could earn.

Capital One Quicksilver World Mastercard® Cash Back Calculator

*This offer is exclusively for new cardholders and must be presented to you at the time of your application. We’ll match the cash back you earn on your eligible credit card from the day your new account is approved through your first 365 days and add it to your Rewards Account within two billing periods after the end of your match period. Cash back is earned on net purchases (purchases minus any credits, refunds, or returns) when a transaction is posted to your account, which may be after the transaction date. Cash advances (including cash-like transactions), balance transfers, interest charges, fees, statement credits, cancelled or reversed redemptions, or any referral credits or rewards are not considered purchases and do not qualify for cash back. We will not match cash back that is posted after your match period ends. Your account must be open and in good standing to receive your cash back match. In good standing means your account is not past due, over the credit limit, fraudulent, restricted, part of a consumer credit counselling program or bankruptcy, and not in violation of your Cardholder Agreement. Rewards can only be redeemed as a statement credit, which do not count towards your monthly minimum payment. Offer is subject to change or cancellation at any time.


1With your Quicksilver World Mastercard, you will earn unlimited:

  • 3% cash back on purchases made at eligible grocery stores (excluding superstores like Walmart and Costco) with Merchant Category Codes (MCC) 5411, 5422, 5451, and 5499.
  • 3% cash back on purchases made at eligible gas stations and EV charging stations with MCCs 5542, 5541, and 5552.
  • 1% cash back on the amount of all other eligible purchases.

Some merchants may sell gas or groceries, or are separate merchants located on the premises of another merchant, but have a different MCC classification, in which case the higher earn rate does not apply. Cash back is applied to total net Purchases. That means any purchases minus any credits, refunds or returns. Cash advances (including cash-like transactions), balance transfers, interest charges, and fees are not considered purchases and will not earn rewards. Rewards can only be redeemed as a statement credit, which do not count towards your monthly minimum payment. See the full Rewards and Redemption terms and conditions for details.


Capital One is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for a Capital One card, (I/we) may receive compensation from Capital One, which can be in the form of monetary payment.