I’ve been eyeing the Capital One Quicksilver® Cash Rewards Credit Card for its simplicity and 1.5% flat cash back. I don’t want to deal with categories or caps. But with cards like the Wells Fargo Active Cash® offering 2%, I’m wondering if I should consider something else? Is the Quicksilver still a good option or are there better flat-rate cards for everyday purchases?
The Quicksilver is a solid card if you value simplicity. The 1.5% flat rate with no annual fee and no foreign transaction fees make it really appealing. But if you’re okay with just a little more effort, you can get 2% cash back with cards like the Wells Fargo Active Cash® or the Citi Double Cash® Card. I personally use the Citi Double Cash, and the extra 0.5% makes a difference in the long run.
@Hadden
Yeah, the simplicity of Quicksilver is what caught my eye. I’ll look into those 2% cards more seriously though.
The Wells Fargo Active Cash® Card is definitely a better option if you’re after the best flat-rate cash back. The 2% on everything with no caps really adds up, and it also has a nice intro APR period. The Quicksilver is still good, especially if you value the Capital One ecosystem, but why settle for 1.5% when you can get 2% on every purchase?
@Sable
Good point. I’ll check out the Active Cash—2% does sound better in the long run for everyday purchases.
I’ve been using the Quicksilver for a few years and love the ease of use. The 1.5% cash back is automatic, and I don’t have to track categories or enroll in anything. If you want something hands-off, it’s still a great card. But if you don’t mind switching things up, the Wells Fargo or Citi cards will give you a bit more in rewards.
@Elizabeth3
Hands-off is what I like, but the extra rewards from those 2% cards are tempting!
If you don’t spend too much in any one category and just want an easy card to use everywhere, the Quicksilver is a good choice. But if you’re willing to handle rotating categories or bonus categories, you might earn more with a card like the Chase Freedom Flex® or Discover it® Cash Back. You can always keep Quicksilver as your default and use other cards strategically.
@Miller
I don’t think I’d keep up with categories well, but using multiple cards could be an option in the future.
If you’re sticking with the flat-rate cash back model, go with the Wells Fargo Active Cash. It’s a no-brainer for 2% across the board, and it even offers a 0% intro APR, just like the Quicksilver. You might as well maximize your rewards, especially when the annual fee is still $0 on both cards.
@Vaughn
I think you’ve convinced me—Active Cash seems to have everything I need and more rewards for the same effort.