Capital One QuicksilverOne Cash Rewards Card: Unlimited 1.5% for Fair Credit
- Annual fee
- $39
- Recommended credit
- Good / Fair
- Card network
- Mastercard
- Regular purchase APR
- 30.49% variable based on the Prime Rate
At a glance
The Capital One QuicksilverOne Cash Rewards Credit Card streamlines the cash back earning process by offering card members 1.5% on every purchase, every day. Anyone with average credit who qualifies for this card can earn cash back on their purchases without limit or the need to sign up for categories, without said points expiring for the life of the account.
Our review of the Capital One QuicksilverOne Cash Rewards Card
The Capital One QuicksilverOne Cash Rewards Card offers unlimited 1.5% cash back on every purchase and a chance to increase your credit line, making it a great option for those with fair to good credit. While it does come with a $39 annual fee and no welcome offers, the rewards are comparable to the Quicksilver Card with the only major difference being the annual fee.
Quicksilver Comparison
Here’s a comparison of the Quicksilver Cards:
| Card | Annual Fee | Rewards | Welcome Bonus | 0% APR |
|---|---|---|---|---|
| Quicksilver Cash Rewards | $0 | Earn an unlimited 1.5% cash back | $200* | 15 months |
| QuicksilverOne Cash Rewards | $39 | Earn an unlimited 1.5% cash back | N/A | N/A |
Redeeming Cash Back Rewards
Cash back rewards from the Capital One QuicksilverOne Card can be redeemed through a check, statement credit, gift cards, or to cover previous purchases. Earnings can also be applied to lower the total card balance before it’s reported to credit bureaus.
Automatic Credit Line Reviews
In addition to cash back rewards, the QuicksilverOne Card offers automatic consideration for credit line increases after six months of responsible use. This feature encourages building good credit behavior for a more prosperous financial future.
Cash Back for Fair/Good Credit Comparison
| Card | Annual Fee | Rewards | Network |
|---|---|---|---|
| QuicksilverOne Cash Rewards | $39 | Unlimited 1.5% cash back | Mastercard |
| Upgrade Cash Rewards Visa® | $0 | Unlimited 1.5% cash back | Visa |
Other Card Features
The Quicksilver Card also includes features like no foreign transaction fees, account alerts from Eno, and Mastercard safety benefits such as Zero Liability Protection and ID Theft Protection.
Should You Apply for the Capital One QuicksilverOne Cash Rewards Credit Card?
The Capital One QuicksilverOne Cash Rewards Credit Card is a solid choice for those looking for cash back rewards with fair to good credit. With the opportunity to increase credit limits and a straightforward payment tracking tool, this card is a good option despite the $39 annual fee. Consider this card if you want to build credit, earn cash back, and potentially upgrade to another Capital One Card in the future.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn unlimited 1.5% cash back on every purchase, every day
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One®
- Rewards do't expire for the life of the account, and you can redeem cash back for any amount
Who this card may suit
- You enjoy earning 1.5% cash back on all purchases
- You want a card with no limit or expiration date on cash back earnings
- You do not want to pay balance transfer fees
- You want to boost your credit with Capital One
Rates, fees and terms
| Annual Fee | $39 |
|---|---|
| Regular Purchase APR | 30.49% variable based on the Prime Rate |
| Balance Transfer APR | 30.49% variable based on the Prime Rate |
| Balance Transfer Transaction Fee | 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR. |
| Cash Advance APR | 30.49% variable based on the Prime Rate |
| Cash Advance Transaction Fee | 3% of the amount of the cash advance, but not less than $3 |
| Late Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.
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Capital One QuicksilverOne Cash Rewards Card
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