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Capital One QuicksilverOne Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
3.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Capital One's Website
Up to 5% Reward Rate
Earn unlimited 1.5% cash back on every purchase, every day. Plus, earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply).
Welcome Bonus
N/A
Annual Fee
$39
Credit Score
Average, Fair, Limited
Regular APR
29.99% (Variable)
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Capital One Quicksilver Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
3.2
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Capital One's Website
Up to 5% Cash Back
Earn unlimited 1.5% cash back on every purchase, every day. Earn 5% cash back on hotels and rental cars booked through Capital One Travel
Welcome Bonus
$200
Annual Fee
$0
Credit Score
Excellent, Good
Regular APR
19.99% - 29.99% (Variable)
Earn $200 after spending $500 on purchases within 3 months from account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
The Capital One Quicksilver Cash Rewards Credit Card and Capital One QuicksilverOne Cash Rewards Credit Card are almost like siblings: The “older sibling” is the Quicksilver, which is meant for those with Excellent, Good credit. It packs an unlimited 1.5% cash back and a pretty good suite of general benefits, with no annual fee and no foreign transaction fee (rates & fees).
The “younger sibling” is the QuicksilverOne, which is meant for those with fair credit. It offers the same 1.5% cash back and has no foreign transaction fee, but that’s about where its benefits end (rates & fees).
Quicksilver vs. QuicksilverOne Overview
| Capital One Quicksilver Cash Rewards Credit Card | Capital One QuicksilverOne Cash Rewards Credit Card | |
|---|---|---|
| Welcome Bonus | $200 cash bonus after spending $500 on purchases within 3 months from account opening | This card does not offer a welcome bonus |
| Annual Fee | $0 (rates & fees) | $39 (rates & fees) |
| Purchase APR | 0% intro APR on purchases and balance transfers for 15 months, 19.99% - 29.99% variable APR after that; 3% balance transfer fee for the first 15 months, 4% at a promotional APR that Capital One may offer you | 29.99% (Variable) |
| Rewards | 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel | 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply) |
| Foreign Transaction Fee | None (rates & fees) | None (rates & fees) |
| Other Perks/Benefits | Extended warranty protection, complimentary concierge service and 24-hour roadside assistance | N/A |
Welcome Bonus
The Capital One QuicksilverOne Cash Rewards Credit Card does not offer a welcome bonus, but the Capital One Quicksilver Cash Rewards Credit Card does: $200 cash bonus after spending $500 on purchases within 3 months from account opening.
Winner: The Capital One Quicksilver Cash Rewards Credit Card takes the cake with its $200 welcome bonus.
Annual Fee
The Quicksilver credit card has no annual fee (rates & fees), whereas the QuicksilverOne card has a $39 annual fee (rates & fees).
Winner: This one’s easy; you can’t beat the Capital One Quicksilver Cash Rewards Credit Card’s no annual fee.
Earning Rewards
Both the Quicksilver and QuicksilverOne credit cards offer unlimited 1.5% cash back on all purchases, and your accumulated cash back never expires.
Both cards also give you an earning boost in just one category: You get a total of 5% back on hotel and rental car bookings made through Capital One Travel.
Winner: In this case, it’s a tie.
Capital One QuicksilverOne Cash Rewards Credit Card
On Capital One's Website
3.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Capital One's Website
Up to 5% Reward Rate
Earn unlimited 1.5% cash back on every purchase, every day. Plus, earn 5% cash back on hotels and rental carsRead More
Welcome Bonus
N/A
Annual Fee
$39
Regular APR
29.99% (Variable)
Credit Score
Average, Fair, Limited
Editor's Take
A great option for those with less-than-stellar credit, this card offers a gateway to building better credit while earning a respectable 1.5% cash back rewards rate. You may also gain a higher credit line in as little as 6 months from account opening.
Pros & Cons
- Unlimited 1.5% cash-back rewards
- Fair-to-average credit applicants considered
- No foreign transaction fee
- Rewards don’t expire
- High APR
- No boosted rate in common spending categories
- No welcome offer
- No intro APR offer
Card Details
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn’t expire for the life of the account. It’s that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Travel Benefits
The Quicksilver card is geared more for cash back than extensive benefits, but it still packs a modest suite of travel benefits including no foreign transaction fee (rates & fees), complimentary concierge service and 24-hour roadside assistance.
The QuicksilverOne, by comparison, includes only one travel benefit: its lack of a foreign transaction fee (rates & fees). This lack of benefits is common amongst cards in the “fair credit” category.
Winner: The Quicksilver credit card wins by a mile.
Redemption Options
With both cards, you can redeem your accumulated cash back for a statement credit or a check. The Quicksilver also lets you redeem your accumulated cash back via PayPal or for purchases on Amazon.com.
Winner: The scales are pretty even, but the Quicksilver card wins by a nose for its broader redemption options.
Other Perks and Benefits
The Quicksilver card offers extended warranty protection on qualifying purchases; the QuicksilverOne card does not.
Both cards do come with six months of statement credits to offset the cost of an Uber One membership.
Winner: The Quicksilver credit card comes out ahead here since the QuicksilverOne has almost nothing in this category.
Fees and APR
The QuicksilverOne’s 29.99% variable APR on purchases and balance transfers (rates & fees) can’t stand up to the Quicksilver’s 0% intro APR on purchases and balance transfers for 15 months, 19.99% - 29.99% variable APR after that; 3% balance transfer fee for the first 15 months, 4% at a promotional APR that Capital One may offer you (rates & fees). Neither card charges a foreign transaction fee.
Winner: Without a doubt, the Capital One Quicksilver card comes out ahead in this category due to its intro APR category.
Capital One Quicksilver Cash Rewards Credit Card
3.2
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Capital One's Website
Up to 5% Cash Back
Earn unlimited 1.5% cash back on every purchase, every day. Earn 5% cash back on hotels and rental cars bookedRead More
Welcome Bonus
$200
Annual Fee
$0
Regular APR
19.99% - 29.99% (Variable)
Credit Score
Excellent, Good(700 - 749)
Editor's Take
This card is a good value all-rounder, offering an intro APR period, no annual fee and a simple 1.5% unlimited cashback rate on all purchases.
Pros & Cons
- No spending category enrollment
- No cash-back rewards limits
- No foreign transaction fees
- Low spending requirement to earn welcome bonus
- High regular APR
Card Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; balance transfer fee applies
Earn $200 after spending $500 on purchases within 3 months from account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Consider Neither Quicksilver Nor QuicksilverOne For
Both the Quicksilver and QuicksilverOne share a common strength: They offer you a good rate of cash-back rewards (1.5% on every purchase) without requiring you to chase or activate bonus categories every quarter. However, if you’re really interested in optimizing your credit card use to get the maximum cash back possible, that strength becomes a weakness. If you’re willing to invest some effort in tracking your spending and matching it to bonus categories, you could earn more cash back with other credit cards.
Another category neither of these cards excels in is big travel benefits. Although the Quicksilver does offer a few useful benefits—such as complimentary concierge support and no foreign transaction fee (rates & fees)—that’s it, and the QuicksilverOne’s only travel-related benefit is no foreign transaction fee (rates & fees).
You can get better travel benefits, including lost luggage insurance and trip cancellation/delay insurance, by shopping for a credit card that focuses on the travel category. There are even a few travel credit cards for people with fair credit.
Bottom Line
If you have excellent credit, the Capital One Quicksilver Cash Rewards Credit Card is the clear winner here. It’s the same as the Capital One QuicksilverOne Cash Rewards Credit Card but with no annual fee (rates & fees), a welcome bonus and better benefits.
However, when you’re just building or rebuilding credit, the best credit card may be the one you qualify for. If you’re in the fair credit category, the QuicksilverOne card is an excellent choice that can get you some cash back while also helping build a track record of responsible credit use until you qualify for the Quicksilver card—or any other credit cards you may have your eye on.
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For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Frequently Asked Questions (FAQs)
Is the Capital One Quicksilver credit card worth it?
As long as you’re using credit responsibly, it’s hard to go wrong with a no annual fee (rates & fees) cash-back card like the Quicksilver. One of its greatest strengths is its across-the-board 1.5% back on all purchases; you don’t have to worry about chasing rotating bonus categories from quarter to quarter. It also packs a couple of nice benefits, like travel accident insurance, extended warranty coverage and no foreign transaction fee.
However, if you want a credit card with peak travel benefits or the type of bonus categories that really let you supercharge your cash-back earning power, you might want to consider other cash-back or travel credit cards. Or, a card that earns flat 2% cash back.
Is the Capital One QuicksilverOne credit card worth it?
If you’re in the process of building or rebuilding credit, the Capital One Quicksilver credit card is a great option for pulling in some extra cash back as you bolster your credit score. The 1.5% rewards back on each purchase is an excellent rate in the “fair credit” category, and the absence of foreign transaction fee is a nice find too. The only big downside is its $39 annual fee; you’d need to spend $2,600 per year on this card in order for the cashback rewards to equal the annual fee (rates & fees).
What is the credit score needed for the Capital One Quicksilver card?
You’re going to need Excellent, Good credit to qualify for the Capital One Quicksilver Cash Rewards Credit Card. Capital One offers some guidelines to help quantify what that actually means: Their definition of excellent credit means you’ve never declared bankruptcy or defaulted on a loan; you’ve never been more than 60 days late on any credit card, medical or loan payment in the last year; and you’ve had a loan or credit card for at least three years with a credit limit above $5,000.
What is the credit score needed for the Capital One QuicksilverOne card?
You need at least fair credit to apply for the Capital One QuicksilverOne credit card, which makes this an appealing choice for building or rebuilding credit. Capital One offers some criteria to help quantify the idea of “fair” credit: To them, that means somebody who may have defaulted on a loan within the past five years, or who has a limited credit history.
Which credit bureau does the Capital One Quicksilver credit card report to?
Capital One reports to all three credit bureaus: Equifax, Experian and TransUnion.
Which credit bureau does the Capital One QuicksilverOne credit card report to?
Capital One also reports to all three of the major credit bureaus.
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Welcome Bonus
60,000 bonus points
Annual Fee
$95
Credit Score
Excellent, Good
Regular APR
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Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
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Capital One Venture X Rewards Credit Card
On Capital One's Website
Welcome Bonus
Earn 75,000 bonus miles
Annual Fee
$395
Credit Score
Excellent
Regular APR
19.99% - 29.99% (Variable)
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
Welcome Bonus
$200 Cash Rewards
Annual Fee
$0
Credit Score
Excellent, Good
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
