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Best Unlimited Cashback Card of 2020

by Greg Go - Last updated Jan 06, 2020

Greg Go is a credit card expert whose financial advice has been featured on US News & World Report, Business.com, and Yahoo! Finance.

Bottom Line:
  • $150 online sign-up bonus offer after spending $500.
  • Unlimited 1.5% cash back on every purchase.
  • 15 months 0% Intro APR on purchases and balance transfers.
  • No annual fee.

The Capital One® Quicksilver® Cash Rewards Credit Card offers simple, easy cash rewards for all of your purchases.

Easy $150 Sign-Up Bonus

If you sign-up online today, you can earn a $150 cash bonus after spending $500 on purchases within the first 3 months of opening the account. This bonus is super easy to earn—like getting 30% cash back on the first $500 you spend! There isn’t any other card offering a 30% cash bonus for signing up, so this card is perfect for anyone who wants to put some extra cash in their pocket when they use their new card.

Unlimited Cash Back on Every Purchase

Are you tired of rewards programs that change spending categories quarterly? Are you confused about the different rewards for different purchases? This card offers unlimited 1.5% cash back on every purchase made with the card with no rotating or bonus categories to worry about. You don’t have to keep track of spending categories or sign-up for different categories to qualify.

Every purchase earns a hassle free flat rate of 1.5% cash back. Just use this card for all of your purchases and you can rest assured you’re getting the highest flat-rate amount of cash back.

Plus, it’s unlimited cash back. There are no caps or limits on how much you can earn with your card. No other rewards card offers a flat rate higher than 1.5% that is also unlimited. With this card, you can be confident that you’re getting the highest cashback rewards available.

No Interest Until 2021

Even better, this card offers a 0% introductory APR for purchases and balance transfers for 15 months! That means you can transfer a balance from a higher APR card or make a large purchase without paying interest until 2021. This is the longest 0% APR on purchases offered by any card. So, plan to do all of your shopping from back to school to Black Friday, Cyber Monday, and Christmas, without paying interest.

If you need a 0% intro APR for purchases, you can be confident you’re getting the longest introductory rate. Or, save some money and transfer a balance from a card with a higher APR. Keep in mind there is a 3% balance transfer fee (which is standard) and after the intro APR period, a variable APR of 15.49% - 25.49% will apply.

Besides having no annual fee, there’s also no foreign transaction fees, making this card perfect for purchases when you’re on vacation outside of the U.S. Most cards have a foreign transaction fee of at least 3%, which can add up if you’re in Paris and stocking up on souvenirs.

Other Awesome Benefits for Shoppers

If you have big shopping plans, CapOne offers a bunch of other benefits such as:

  • Automatic extended warranty: additional warranty protection at no charge on purchases made with your card.

  • Eno: the Capital One Assistant which allows you to manage your account, check your balance, or pay your bills with a text.

  • Paribus: finds savings on purchases you’ve previously made and gets you money back.

  • Creditwise: provides free automatic dark web and Social Security monitoring, and gives you access to your credit score.

Who Should Get This Card

The Capital One® Quicksilver® Cash Rewards Credit Card is best for those who don’t want to deal with rewards categories that constantly change and require activation. But because there’s a $150 cash bonus offer, no annual fee, and 0% interest for 15 months on purchases and balance transfers, it’s the perfect cash back rewards card for almost everyone.

» Click here to learn more about the $150 bonus offer and unlimited 1.5% cash back rewards on all your purchases.

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