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If miles and points are not your thing, the CapitalOne Quicksilver Cash Rewards Card may be the best credit card for you, especially right now with this $100 one-time bonus offer once you spend $500 in the first three months. The Quicksilver Cash has no flaws: it offers a very lucrative 1.5% cash back on "every purchase, every day," has no annual fee and has 0% APR on purchases and balance transfers through August 2014 (note: transfers incur a reasonable 3% fee). This is a Visa Signature card so you get perks like free concierge service, special access to events, fraud protection, roadside assistance and an extended warranty plan. Similar cards often come with an annual fee, 1% cash back (or less) and, if there is a bonus, you usually have to spend more than $500 to qualify. Note: if you only have "average" credit, which CapOne defines as a default within the last five years or less than three years of total credit, you should instead apply for the QuicksilverOne Cash Rewards Credit Card, though there is no signup bonus, there is a $39 fee and the APRs are higher.