Capital One Quicksilver Benefits, Credits & Annual Fee

If your card is lost or stolen while traveling, you can reach a 24-hour assistance line to get an emergency replacement card and a cash advance. Call the number on the back of your card or the Capital One support line to start a request.

Add a cancel-for-any-reason option to an eligible flight booked through Capital One Travel, letting you cancel up to 3 hours before departure and get most of your booking cost refunded. This is an optional add-on at checkout, not automatic coverage.

If you find a lower price on an eligible flight, hotel, or rental car after booking through Capital One Travel, notify Capital One within 24 hours and get a travel credit for the difference. The booking must be made through the Capital One Travel portal to qualify.

Set a price alert on a flight in Capital One Travel and get notified whenever the price drops. Monitoring runs 24/7 so you can rebook at the lower fare when it suits you. Alerts are available for flights searched within the Capital One Travel portal.

Pay for flights, hotels and rental cars with your cash back. Book at travel.capitalone.com through Capital One Travel, then apply your rewards to cover the cost of your trip.

Get automatic insurance for a covered loss when you buy your travel fare with the card. Coverage kicks in at no extra charge - no action needed at time of purchase. Check your card's benefits guide for covered loss types and any applicable limits.

When you're traveling away from home, you can call a 24/7 assistance hotline to get referrals for medical, legal, or travel emergencies. The card covers the cost of the referral service itself, though any fees charged by doctors, lawyers, or other third parties are your own responsibility.

Every purchase earns 1.5% cash back, with no rotating categories or spending limits to worry about. Redeem your rewards at any time as a statement credit, check, or gift card - there's no minimum amount required to cash in.

Earn 5% cash back on Capital One Entertainment purchases, which is more than the standard 1.5% rate. Buy through Capital One Entertainment and pay with your Quicksilver card to get the higher rate.

Earn 5% cash back on hotels, vacation rentals, and rental cars when you book through the Capital One Travel portal. There are no caps or sign-ups required. Booking directly with a hotel or rental agency instead earns only the standard 1.5% rate.

Get access to cardholder-only reservations at select award-winning restaurants and tickets to curated culinary events through Capital One Dining. Book through the Capital One Dining portal or app. Availability varies by city and event, so check the portal for current options.

Eligible items bought with your card get additional warranty protection beyond the manufacturer's original term at no extra cost. Pay for the item in full with your card to qualify. Review your benefits guide for which product categories are covered.

Eno, Capital One's virtual assistant, generates a unique virtual card number you can use for online purchases instead of your real card number. Your actual card number stays private, reducing exposure if a merchant's site is compromised. Use the Eno browser extension to create virtual numbers at checkout.

You're not responsible for unauthorized charges if your card is lost or stolen. Report the loss to Capital One as soon as you notice it to trigger a review and card replacement. This protection applies automatically - no enrollment required.

Get personalized help with dining reservations, entertainment tickets, and travel planning any time of day, every day of the year. Call the concierge number on the back of your card to reach an agent. The service is complimentary, though actual bookings are at your expense.

Use your cash back to buy tickets to events. Browse what's available at entertainment.capitalone.com and pay with your rewards. Only events offered through Capital One Entertainment qualify.

New cardholders pay 0% interest on purchases and balance transfers for the first 15 months. After that, a variable APR of 18.49%-28.49% kicks in. Note that a balance transfer fee applies to each transfer, so weigh that cost before moving existing debt over.

Instantly lock your card from the Capital One Mobile app if it goes missing, blocking new purchases without closing your account. Unlock it just as quickly if the card turns up. The lock does not affect recurring charges already set up on the card.

Use cash back to cover a recent purchase. Select an available purchase in your rewards account and apply cash back toward it. The purchase must be recent and available for this redemption option; the quoted terms do not specify a time window.

CreditWise monitors your TransUnion and Experian credit reports and sends an alert whenever something changes, such as a new account or inquiry. It's free and available to anyone - you don't need to be a Capital One cardholder to use it. Sign up through the Capital One app or website.

Redeem your cash back for gift cards. Browse the gift cards available in your rewards account and choose one to purchase with your rewards. Gift card selection and the rewards amount needed can vary, so check the options before redeeming.

Get a push notification on your phone each time a new purchase is approved on your account, helping you catch unfamiliar charges right away. Enable notifications in the Capital One Mobile app to activate this feature. Notifications cover card-present, online, and contactless transactions.

This card carries a $0 annual fee, so you can keep it open and earning rewards without paying anything each year to maintain the account.

Use your card for purchases outside the United States without paying a foreign transaction fee. The benefit applies automatically to every international charge - nothing to activate. This covers both in-person and online purchases billed in a foreign currency.

Capital One sends you a text, email, or phone alert if it spots potentially suspicious activity on your account. Alerts arrive in near real time so you can confirm or dispute a transaction quickly. Make sure your contact details are up to date in the app to receive them.