7. Capital One Quicksilver — Best simple 1.5% no-fee card (budget-friendly)

Why it’s great: Unlimited 1.5% cash back on all purchases, no annual fee, and often a modest new-card bonus. It’s widely available, simple, and a reliable backup or primary card for users who don’t want to track categories. Capital One’s digital tools and wide acceptance are a plus.

Who should get it: Consumers who want a reliable, low-friction cash-back card with predictable returns.

Tip: Watch for occasional limited-time welcome bonuses that amplify first-year returns.