Accepted Credit Scores 
Fair Credit, Limited History
Capital One QuicksilverOne Cash Rewards Credit Card
By:
Capital One
Apply Now
Editor’s Take
John Kiernan, Credit Card Editor
Feb 19, 2021
Review: Capital One QuicksilverOne Cash Rewards Credit Card
The Capital One QuicksilverOne Card is the best general-purpose rewards credit card available to people with limited or fair credit, thanks to a cash-back earning rate that’s nearly 50% higher than the market average. But its annual fee means QuicksilverOne is only worthwhile for folks who plan to regularly make purchases with plastic.
Here’s what you need to know:
Here’s what you need to know:
- Generous, straightforward rewards. Capital One QuicksilverOne offers 1.5% cash back across all purchases. Not only does that blow away the 1.08% available from the average cash rewards card, but it also lacks the annoying complexities that are common with many offers (e.g., earning rates that vary by purchase category). Plus, you won’t have to worry about how much your rewards are worth, since you’ll be earning cash instead of points or miles.
- $39 annual fee. We generally recommend no annual fee credit cards to people with below-good credit. But that’s because most credit cards for people with fair, limited or bad credit don’t offer good enough rewards to warrant paying a fee. That’s not necessarily the case with the Capital One QuicksilverOne Card. You’ll break even, meaning your cash-back earnings will equal the card’s $39 annual fee, by spending $2,600 per year. So as long as you plan to do that, the fee isn’t really anything to worry about.
- Not the card for carrying a balance. The Capital One QuicksilverOne Card’s APR is well above the average among credit cards for people with fair credit, according to WalletHub’s latest Credit Card Landscape Report. So you should only get it if you plan to pay your bill in full every month (as is generally the case with rewards cards).
- No penalty for international use. Capital One is one of the only major issuers to remove foreign-transaction fees from all of its credit card offers. So you won’t get penalized – the market average is 1.5% – for using the QuicksilverOne Card to make purchases through international merchants or when traveling abroad. That’s good.
- Available to people with limited/fair credit. QuicksilverOne wouldn’t be anything special if it wasn’t available to relatively unproven consumers. But it is, providing a way to make credit-building pay off even more than normal. If you’re not sure where your credit currently stands, you can check your latest credit score for free on WalletHub and then track your improvement with daily updates. And if you find that you actually have good or excellent credit, you should be able to qualify for the standard Capital One Quicksilver Cash Rewards Credit Card.
Feb 19, 2021
Capital One QuicksilverOne Cash Rewards Credit Card's Rewards
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn cash rewards without signing up for rotating categories
- No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Capital One QuicksilverOne Cash Rewards Credit Card's Key APRs & Fees
|
Purchase Intro APR
|
Transfer Intro APR
|
Regular APR
|
|---|---|---|
| Not Offered | Not Offered | 26.99% (V) |
|
Purchase Intro APR
|
Not Offered |
|---|---|
|
Transfer Intro APR
|
Not Offered |
|
Regular APR
|
26.99% (V) |
| ANNUAL FEE |
$39 |
|---|---|
| BALANCE TRANSFER FEE |
None |
Capital One QuicksilverOne Cash Rewards Credit Card's Additional Info
| MAX LATE FEE |
$40 |
|---|---|
| MAX OVERLIMIT FEE |
None |
| MAX PENALTY APR |
None |
| GRACE PERIOD |
25 days |
| ONLINE RESPONSE |
No |
| CASH ADVANCE APR |
26.99% (V) |
| CASH ADVANCE FEE |
3% (min $10) |
| FOREIGN TRANSACTION FEE |
$0 |
| SMART CHIP |
Yes, chip-and-signature |
- Be automatically considered for a higher credit line in as little as 6 months
- Monitor your credit profile with the CreditWise® app, free for everyone
- $0 fraud liability if your card is ever lost or stolen
- Help strengthen your credit for the future with responsible card use
- Get customized alerts and manage your account with the Capital One mobile app
- Last updated on 2/19/2021
at Capital One's secure site
Editor's Pick
Capital One QuicksilverOne Cash Rewards Credit Card is an Editor's Pick for:
Related Credit Cards
If you are interested in the Capital One QuicksilverOne Cash Rewards Credit Card, check out the following credit cards as well:
Related Credit Card Categories
Capital One QuicksilverOne Cash Rewards Credit Card is related to the following categories:
Customer Questions and Answers
Don't see what you're looking for? Submit your question about Capital One QuicksilverOne Cash Rewards Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
Capital One Platinum vs. QuicksilverOne: Which is better for no credit? Reply 1312
KEYAIRA SUTTON
@keykey
When you compare Capital One Platinum vs. QuicksilverOne, the main differences are that QuicksilverOne gives 1.5% cash back on all purchases and has a $39 annual fee. On the other hand, Platinum does not offer rewards and has a $0 annual fee. Other than that, Capital One QuicksilverOne vs. Platinum is a draw. Both cards are for people with limited or fair credit. Both also have a $300 minimum credit limit. And neither card charges a foreign transaction fee.
Capital One Platinum and Capital One QuicksilverOne are both great starter credit cards. They’re designed to help people with limited or no credit experience build good credit scores inexpensively. Which of the two will be better for you depends on how much you plan to spend. QuicksilverOne is better if you plan to charge at least $2,600 a year ($216.67 per month) because that’s when the rewards will cover the cost of the annual fee. Platinum is preferable otherwise.
13
Upvotes
How much is the Capital One QuicksilverOne credit limit? Reply 72
Brianne Larch
@BrianneLarch
The Capital One QuicksilverOne credit limit is $300 or higher. There's no way to tell upfront how high your QuicksilverOne limit could get, but if you make your first 6 monthly payments on time, you could get access to a higher credit line. Capital One is known for offering credit limit increases to cardholders who regularly use their cards and pay on time.
7
Upvotes
Is there a Capital One Quicksilver One foreign transaction fee? Reply 127
Jane Parker
@parker16
The Capital One QuicksilverOne foreign transaction fee is 0%. This means you will not be charged extra when you make purchases outside the U.S. using the QuicksilverOne card. Foreign transaction fees on credit cards range from 0% to 3%, depending on the card and issuer. Capital One does not charge foreign transaction fees on any of its personal or business credit cards.
No foreign transaction fee is just one of the features that make QuicksilverOne a worthwhile rewards card. It’s pretty easy to get, available even to people with limited or no credit.It also offers 1.5% cash back on all purchases to cancel out its modest $39 annual fee. The QuicksilverOne card is on the Visa credit card network, which means you’ll benefit from wide-ranging international acceptance.
12
Upvotes
How can I get a Capital One QuicksilverOne credit limit increase? Reply 6
SUE PATTERSON
@sweetsue
You can get a Capital One QuicksilverOne credit limit increase by requesting it on the Capital One website after you’ve logged in to your account. Click “I Want To…” and on the options menu, select “Request Credit Line Increase.” To make the request from the Capital One Mobile app, go to "Help" and type "credit limit increase" into their virtual assistant, Eno.
That’s not the only way to do it, however. According to forum posts online, Capital One will start to automatically review your QuicksilverOne account history after 6 months of having the account to see if you’re eligible for a credit limit increase. If you are eligible, you’ll be given an increase without requesting it. It’s also possible you’ll get an automatic credit limit increase from Capital One when you’ve had the QuicksilverOne card for a year.
To increase your odds of getting approved for a Capital One QuicksilverOne credit limit increase, you can maintain good payment history, increase your annual income, and increase the amount you spend on the card. But if you spend more on the card, make sure it’s an amount you can easily pay off at the end of the month. Overspending is a bad habit, especially if you’re trying to build good credit.
6
Upvotes
What are the Capital One QuicksilverOne credit card score requirements? Reply 3123
31
Upvotes
How do I do a Quicksilver One to Quicksilver upgrade? Reply 2010
Patrick Murphy
@stpatrick1982
To upgrade from Quicksilver One to Quicksilver, you can accept Capital One's online, mail, or e-mail offer. Cardholders who are eligible for an upgrade will be notified through an "Upgrade Now" banner online or by mail. If you haven’t received a notification, you can always contact customer service at 1 (800) 227-4825 and ask if you’re eligible for an upgrade. There’s no credit check associated with a request to upgrade. If Capital One determines you are eligible and you agree to the upgrade, there will be a hard inquiry on your credit report. This will temporarily lower your credit score by a few points.
To accept an online offer, log in to your account and click the "Upgrade Now" banner. A "Finalize Upgrade" window will appear. Review the upgrade terms, check the box stating you agree to them and select "Upgrade Card." For other offers, follow the instructions in either the letter or e-mail that you received. Unless stated otherwise in the offer, your card number, APR and credit limit will stay the same. You can still use your old card until the new card arrives in 7 to 10 business days.
20
Upvotes
What is the likely id get approved with a credit score of 649 ? Reply 3714
Michael
@michaeld_744
As long as you don’t have a lot of negative items on your credit report your chances are good. It’s a great bank when it comes to help with credit repair.
37
Upvotes
Who is the Capital One Quicksilver One issuer? Reply 3117
WalletHub
@WalletHub
The Capital One QuicksilverOne Cash Rewards Credit Card is issued by Capital One. It is on the Mastercard network.
31
Upvotes
What are the incentives or rewards? Reply 2621
Leon Denerus
@Leo.DC
1.5% cash back on all purchases (via statement credit, check or gift card). And rewards don’t expire.
26
Upvotes
Capital One QuicksilverOne Cash Rewards Credit Card Video Review
Capital One QuicksilverOne Cash Rewards Credit Card Reviews
Share your insights and review the Capital One QuicksilverOne Cash Rewards Credit Card.
Mar 02, 2021
You couldn't ask for a better card or company. Capital One is the best for your first or 31st card. 0% for a year and cash back. Incremental credit limit increases
Comment
Mar 01, 2021
I'm still in the process of getting caught up on this bill. Should be there in about three to four months. Paying more than minimum to get there. Thank you for allowing me to be part of a great company.
Jan 19, 2021
Your odds of getting approved for this card are high, but not worth it unless you have absolutely no credit. You shouldn't have to pay an annual fee for a credit card. I've had this card for 10 years and my credit line is still only $2,050. I've requested credit line increases 4 times in the last 3-4 years and have been denied every time due to usage of my current credit line being low. I mean when I have cards with +30k available credit why would I use such a low card that would make my credit usage on that card high? My credit score is >800 and I would like to keep it that way so I guess I'm stuck with this card and paying an annual fee with a low credit line until I've had my other cards for a decent amount of time.… show more
02/13/21
I was able to upgrade my quicksilver one to a regular quicksilver with no annual fee a few years ago. I’m not sure if they still do this
01/18/21
I must add that I called them on the phone after the last credit line increase denial where I was transferred to a few people just to be told they couldn't help me, and that maybe I should try applying for another capital card, no thanks.
Nov 19, 2020
31 yo, Married, Current student. When I applied on the website to get pre approved I was pre approved for the platinum and the quicksilver one and the other card I forgot the name of. My scores at the time of applying was: TU 669, EQX 671, EXP 688, Fico8 on Wells Fargo 659. I also had a few small school loans already under my name as well as a lease for a car currently making payments since Feb 2019. At the time of applying I had 4 inquires on TU, 2 inquiries on EQX, 5 inquiries on EXP. After applying for the Quicksilver One I was approved. I wanted to rebuild my credit from when I was younger and applied for a couple other different credit cards (not from capital one) and got approved but did not use them responsibly. They have since been charged off. I'm excited to rebuild my credit again Responsibly of course, meanwhile improving my odds of approval for higher tiered credit cards in the future. If you're looking to rebuild your credit or have limited credit history I highly recommend trying out the Capital One pre approval page before applying to get a better picture of where you stand. Just go to their website. Also wallethub has a great list for of credit cards for people with fair credit like mine (I also have limited credit history). As for their $39 I'm willing to overlook that as it has a 1.5% rewards structure I was looking for in a credit card that matched well for my fair credit. I do plan to pay off the full amount every time I use it so hopefully I can get a credit raise in 6 months. I did get a minimum $300 but overall I'm just glad mastercard is accepted everywhere and that I was approved after applying. I highly recommend it everyone… show more
Sep 29, 2020
Verified Customer
You can't beat that cash back offer.Plus 39$fee is manageable. Interest rate a little high but not bad. Pay the bill in full each month is the key.Dont get wild.Keep close track of how much you are spending with the card.You absolutely have to pay your balance every month.
Aug 26, 2020
I had my card for 9 months and it was compromised 7 times!! All this with good security systems on my phone and laptop. Have several other cards and have never happened with this ever. The latest events (2) happened with their supposedly secure encryption system called ENO. The encryption got hacked; not the card. I obviously closed the account immediately.
Aug 15, 2020
Verified Customer
Had this card for almost 9 years after a bankruptcy. Bankruptcy cleared in May of this year. Capital One wouldn't convert the card to a no-fee Quicksilver after a 100% on-time payment history and zero balance. I took the hit on my credit age by closing the account. I have better cards with better rates anyway, and a credit score over 800.
01/18/21
Same here, wasn't a bankruptcy but I just didnt have any credit. 10 years later and I'm still paying to have this card solely because of credit age and fear my 800+ credit score will drop if I cancel it. They denied me 4x for a credit line increase!!! They say my usage of the card is too low but when you have cards with +30k available on them I use those in order to keep my usage low.… show more
Aug 05, 2020
Verified Customer
On WalleHub it said Very Good Odds of getting approved for Capital One Quick Silver and I was not approved so now my credit score will go down, I wish they wouldn't recommend anything unless they can guarantee approval, all they are doing is making it harder for me to improve my credit!
01/19/21
When I had next to nothing for credit I looked into getting secured credit cards. You will determine your credit line by sending them a deposit. Then you use it like a normal credit card and pay it off every month and eventually they will convert it to a normal credit card and send you your deposit back. One year I got 2 secured cards with my tax return, and I actually think that this capital quicksilver card used to be one of my secured credit cards! I wouldn't suggest going through capital one though.… show more
Jul 06, 2020
Verified Customer
I'm so incredibly disappointed. I have had my credit card with Capital One for over 8 years. $17000 credit limit and we use it frequently. We used Capital One for much of our European travel that was planned in April which was obviously canceled because of covid-19. All of the travel purchased was full refund, bought at a premium. When the tour companies and train operators didn't honor their full refund policies I filed a fraud report. At first, I got a credit for the charges while they "investigated." It turns out an investigation is just they ask for a letter from the merchant saying that they should keep the money. The merchants sent those letters. The train operator from Switzerland lied and said they spoke with me and that I agreed to a partial refund. Why would I do that? So the Capital One operator tells me I need to provide documentation showing that I did not speak with them. How in the hell would I have documentation for a call that didn't happen? Here we are, 3 months after the travel couldn't take place and Capital One is telling me they are going to side with the merchants and I get to pay another $2000+ for full refundable tickets that the merchants wouldn't offer refunds because 1. the tour company completely fabricated their refund policy to keep the money 2. the rail company either wouldn't respond or would yell at me in german. Buying tickets didn't take lot of effort to speak in English, but refunds are apparently only conducted in whatever language you don't speak. The first operator spoke french and when I put my wife on (she speaks french) the operator switched to german. SBB train system through Switzerland just being thieves, and Barclay is playing along. The stupid part is SBB and the tour company have to accept credit cards. Capital One can force me to pay for this fraudulent activity of theirs and the merchants (you sell buyer protection and then don't actually protect the buyer from fraud, you are in fact practicing fraud yourselves. I will switch credit cards and my wife and I will never travel to Europe because we cannot bring ourselves to give more money to the same sham companies (you too, KLM) a second time to see a place for the first time. This whole debacle will cost us about $6,000 in unrefunded refundable tickets. I'm not disillusioned into thinking that another credit card company wouldn't do the same (Barclay did exactly the same thing) but I won't use either all the same, and we won't put ourselves in this situation for the rest of our lives.… show more
10/07/20
Wow! The only idea I can come up with is to get your phone records and if you can in person (which I doubt) but show them and say see no record of me calling this place if you had to call for some reason something like only call was here when... before I had to cancel. I'm sick of trying go get things done myself so this was typed in a hurry. I hope<span class="hidden"> it makes since. I truly hope you get your money back. Remind them they shall reap what they sow. May God bless you abundantly!</span><span class="more-ellipsis">…</span> <a href="#" class="more">show more</a>… show more
it makes since. I truly hope you get your money back. Remind them they shall reap what they sow. May God bless you abundantly!… show more">
Mar 31, 2020
On your review it says it does not require ssn but on their online application it is asking for the ssn and it is mandatory. I wonder how people will be able to apply for it when they do not have their ssn available.
Mar 19, 2020
Good card to rebuild credit and you get increases after 5-6 on time payments. Customer service is good (rates are high, but you're not going to get 0% with a bad credit score) Use it for things like gas and keep the balance paid and when your score increases, transfer the balance
Mar 12, 2020
Yea it would beeen real nice if i got one or if i was approve so said that im not oh well that's what happens when you not good in your credit but hey I heard that it was one of the best cars that you can get so I guess it is a good thing
01/19/21
Not approved and still gave it 5 stars!?! This card actually isn't that great. Try applying for a Discover it card! Best card out there!!!
Feb 28, 2020
Verified Customer
I have this card already and it is paid in full. Any new line of credit sinks my score. It was a good o% promotion but regular interest forget it! Would do it again, but moving on. My Transunion report is so far behind and not at all accurate!
Feb 20, 2020
Verified Customer
Good card helped my credit and comes with the credit wise app cash back rewards is nice and you can get those in a lot of your everyday purchases, Can get an additional card to help others credit with your account
Feb 13, 2020
Verified Customer
I was offered this card after I had Cap One platinum for 12 mos. At the time, my was FICO 620, Vantage 560, one erroneous derog (in dispute) and a nine-year old Chap 7. (Note-- I have that big baddie falling off my credit reports within a year so that is keeping me optimistic)
They start you out with a super low limit on this card, hence the 3 stars. My Capital One Platinum is only six months older than the Quicksilver One yet... my platinum has a CL of $2500 while the QS1 started with a $250 but bumped it to $500 within a few months.
I do think this card is the "next step" after Platinum. This card is NOT as good as the QuickSilver in terms of interest rates, but it does have some cash back perks. It also has a cool look, very modern metallic look.
I'm going to stick it out with this card due to the cash back perks (and credit age) albeit unless they raise the limit soon, the cash back remains small. I was just approved for a Discover cash back card (CL $1250) and the cash back perks on that card are incredible vs this Quicksilver One.
Like all things in life, one must work their way up the ladder to enjoy more benefits. I will say this: Cap One has a GREAT app, good customer service and doesn't have that sub-prime look like some of the other cards out there. (First Progress, Total, Indigo, Surge etc..)
Some advice from me: dispute everything on your credit reports. I had a collections go away just by disputing it. Also, I know it's tough, but keeping utilization below 30% really increases your credit score. Finally, if you just want to build your credit, let the card sit in your drawer for 29 days of the month. Take it out once a month to gas up. Pay it in full before due date. Lather, rinse, repeat. You can do this. I did.… show more
They start you out with a super low limit on this card, hence the 3 stars. My Capital One Platinum is only six months older than the Quicksilver One yet... my platinum has a CL of $2500 while the QS1 started with a $250 but bumped it to $500 within a few months.
I do think this card is the "next step" after Platinum. This card is NOT as good as the QuickSilver in terms of interest rates, but it does have some cash back perks. It also has a cool look, very modern metallic look.
I'm going to stick it out with this card due to the cash back perks (and credit age) albeit unless they raise the limit soon, the cash back remains small. I was just approved for a Discover cash back card (CL $1250) and the cash back perks on that card are incredible vs this Quicksilver One.
Like all things in life, one must work their way up the ladder to enjoy more benefits. I will say this: Cap One has a GREAT app, good customer service and doesn't have that sub-prime look like some of the other cards out there. (First Progress, Total, Indigo, Surge etc..)
Some advice from me: dispute everything on your credit reports. I had a collections go away just by disputing it. Also, I know it's tough, but keeping utilization below 30% really increases your credit score. Finally, if you just want to build your credit, let the card sit in your drawer for 29 days of the month. Take it out once a month to gas up. Pay it in full before due date. Lather, rinse, repeat. You can do this. I did.… show more
01/19/21
I love my Discover It card!!!! I've had this one for 10+ years and my limit is still only $2,050. I get denied everytime for an increase bc my usage is too low.
Feb 11, 2020
Verified Customer
This card is for rebuilding and/or average credit, people expecting high CL on this card are delusional. Yeah, you got approved for a higher limit with another place but again, this card is for rebuilders, if you aren't rebuilding then I'm not sure why you would apply for this card as there are much better options out there than this.
01/19/21
Yes most of us who have this card are building our credit. After credit is rebuilt there should be incentives for people to want to keep the card! Credit line increases above 2k and drop the annual fee! To cancel this card, for anyone who knows how credit scores work, would be detrimental to ones credit age/credit score because obviously this would typically be someone's first and oldest card. Calling people delusional for trying to get Capital Ones attention to issues they have with their services and wanting change is pretty juvenile and doesn't help anyone.… show more
Feb 10, 2020
I have had this card a month and it has been a miserable experience. To begin with, they start you with a very low amount of available credit, and after five months of prompt payment, it only goes up $500. I paid my balance five days ago, and it still has not cleared (a problem I have had with none of my other cards) so they have been refusing to honor anything I tried to charge on the card -- without warning me that I had no credit balance left. In decades of using credit cards, Capital One has declined more payments than my total lifetime experience of this. The bank has made it clear to me that they neither trust me nor want my patronage, so I will be cancelling the card (which I have only had for six weeks) as soon as they process the payment I made.… show more
Dec 13, 2019
Credit Karma said the odds were in my favor for this card so I applied. I discharged from my bankruptcy March 2018, but was still denied. It’s been over a year so I figured I would try. More folks with my same profile had luck, but I didn’t unfortunately. Hard credit pull for nothing.
01/19/21
I have this card which started from getting a secured credit card. I suggest you get one of those since you send a deposit to set your credit limit and you treat it like a normal credit card by paying it off monthly and eventually they make it a normal unsecured credit card and they send you the deposit back. It helps to build your credit but I would suggest finding one that doesn't have an annual fee like the capital one secured card.… show more
02/28/20
Chapter 7 bankruptcy is hell for the first few years, then it gets better. Still it is going to fall off next year and they still look at it! It is a long ten years!!!!
Nov 21, 2019
Verified Customer
Wallet hub said i had good chance of getting approved and i got denied. Now it will affect me credit instead of helping it. I trusted the wallet hub that I would get approved if not i would have moved along. Not happy at all!!! Don't apply unless you have a score of 650 or above!!!
08/05/20
Even then dont apply, I have a 665 credit score and I was denied a credit card with Capital One.
Sep 12, 2019
Capital One took a chance on me when my own personal bank would not! I have to review this card simply because it over delivers on its promise. I wrecked my credit 4+ years ago. Since then I have disputed accounts and monitored my activity closely. I was well below a 600 when I opened a secured credit card with Wells Fargo back in 2014. The banker misled me and told me that I would have an unsecured card within a year plus have my deposit returned. I started with $700 and to this day they still have not returned my deposit despite multiple calls to review my account for an upgrade! There is always an excuse! And I have not missed one payment!
I say all that to highlight the fact that I opened my account with Capital One in March of 2019. I was approved for a $1500 limit and used this card heavily like a debit card. I applied for this card after reading reviews about their 6 month credit limit increase. I also contacted their customer service repeatedly for clarification, the experience was always above expectations. At the age of 29 with virtually no credit I needed all the increases I could get. I only expected a $500 increase. I woke up this morning and went from $1500 to a $4500 limit! Capital One is great to have the limit increase progress bar. It said that my increase would come between Sept 14 and Oct 14. Well “Christmas came early” and on Sept 8 I have been upgraded!
I plan to challenge Wells Fargo soon on my security deposit even more because Capital One has given me the confidence to do so! I hope this review helps! Cheers!!… show more
I say all that to highlight the fact that I opened my account with Capital One in March of 2019. I was approved for a $1500 limit and used this card heavily like a debit card. I applied for this card after reading reviews about their 6 month credit limit increase. I also contacted their customer service repeatedly for clarification, the experience was always above expectations. At the age of 29 with virtually no credit I needed all the increases I could get. I only expected a $500 increase. I woke up this morning and went from $1500 to a $4500 limit! Capital One is great to have the limit increase progress bar. It said that my increase would come between Sept 14 and Oct 14. Well “Christmas came early” and on Sept 8 I have been upgraded!
I plan to challenge Wells Fargo soon on my security deposit even more because Capital One has given me the confidence to do so! I hope this review helps! Cheers!!… show more
Aug 16, 2019
I had a score in the mid to high 600s when I got this card. I have a new auto loan, but paid off all other debt. My initial credit limit was $300. After 6 months of using it for normal weekly purchases, paying it fully the next day or two (to get maximum cash back and be able to use it again), and ensuring my balance at the closing date was always $0, my FICO score increased to a 3 bureau average of 738. I expected the C1 limit to raise to $500 based on what was shown on the website. It raised to $3300 instead. I love cash back; it's amazing to get extra $ instead of owing interest.… show more
Aug 09, 2019
So far I'm happy. I have an annual income of 70k, my FICO score is 705 but wallethub says my credit score is 656 and I was approved for 5k. My father recommended I apply for capital one to take advantage of their intro 0 interest balance transfer to help me pay off my credit card debt.
Aug 03, 2019
Capital One decided they were going to screw everyone in the world over this month. Suddenly everyones due dates and statement dates were changed with NO NOTICE. I use my card several times a month and pay it off multiple times before the statement comes out so that I always have 0 balance reported to the credit bureaus. This way I get all the rewards back from using it, and pay no interest. I paid it off on my normal date this month and waited for a statement that never came and started using my card again. I used it for a huge purchase that took up nearly all my available credit and they made a statement more than one week after me normal statement date THE DAY THE PURCHASE POSTED. I had no chance to pay it off and now my credit is screwed. Thanks a lot Capital One. I have 2 cards with Capital one and I will never use them again.… show more
11/05/19
By writing this comment it looks like you have internet access, why didn't you just check your balance online? It seems that problem could have been avoided if you would have looked.
Jul 24, 2019
I applied for this card and was approved 3 years after a ch 7 bk. Though the initial cl was $500, I was pleased because C1 gave me another chance after including 2 of their cards in my bk. My bk was in lieu of a divorce and losing my job at Circuit City when they filed bk. I’m rebuilding my credit and happy to C1 is what’s in my wallet....again!
02/28/20
I think waiting 8 years after chapter 7 bankruptcy is the best I have been getting $10.000.00 card limits.
Jun 20, 2019
Its always fun to get cash back and Capital One has been EXCELLENT to work with!! Thank you!! Just recently got a higher limit. No problems or complaints here. They have been nothing but a joy!! Thanks!!
Mar 19, 2019
Capital one is awesome! Capital cerdit has been good to me over the past year. They done everything they said they would. Have two cards with them never had any problem at all. Having there cards really has bosted my cs all the way around. There app is easy to use even for older users lol. Thanks Cap one.
Nov 19, 2018
WalletHub said I had a Good chance of getting approved. Went to Capital One website and didn’t pre-qualify for any of the cards. I bit the bullet and applied to the Quicksilver card and was approved for $300 credit limit. Im in the stages of rebuilding my credit. My current scores, TransUnion 624, Experian 598, Equifax 622. One baddie falling off December 2018.
10/16/19
Good to hear! At that limit, it's best to pay in full at least until you get a CLI. Some may disagree with this, however what worked for me was paying in full BEFORE the statement generates (by linking a checking account). Once you've made a year or so of 100% on-time payments, you'll likely qualify for a retail store account, such as Walmart or Amazon Prime Store Card. Then, allow one to report a small balance monthly (around $10 is fine). Plus make sure to use each one every month, even if to buy gas, then turn around & pay if off as soon as shown on account. Just make sure it's more than a week from the statement closing date, which should be the same every month, other than weekends/holidays (will then usually be the next business day, yet call to be sure), so that it'll be paid before then. Some merchants processes slower than others. With three cards, I know which one to pull out to keep the charge from showing before I pay for the purchase.
Once you get used to it, and see your Vantage & FICO scores rise, you'll see what I mean. You'll usually get a nice score bump from TransUnion with a year's history under your belt, mine was 21 points relative to the day before (700 to 721).… show more
Once you get used to it, and see your Vantage & FICO scores rise, you'll see what I mean. You'll usually get a nice score bump from TransUnion with a year's history under your belt, mine was 21 points relative to the day before (700 to 721).… show more
May 25, 2018
I had previously killed my creditworthiness. I applied for a Capitl One card on a lark and lo behold, they actually issued me a Platinum card with a $800 limit which was increased to $1,300 within six months. Now, for years later, having used the card wisely and paying on time and usually the full balance, they offered to promote me to their Quicksilver card and have increase my credit line to $3,300. I only wish that they would decrease their interest rate, but it really doesn\'t matter most of the time since I payoff the balance quickly.… show more
Apr 07, 2018
Really like this card earning cash back is immediate approved with a low 600 score 3000 5 month up raised to 3500 do use it often sometimes carry a balance but make multiple payments until paid off. Cap 1 and I do not have a love affair tried many times for an offer from them glad i finally got one. They don't like a balance but they like to see you use it. It's nice you can use reward money back on your balance. Hoping for a better card but can not seem to grab an offer, even with a good score. Probably one of the best reward cards for fair credit.… show more
Apr 05, 2018
Great foundation for building credit! Was approved at 620 for 300! Capital One is an excellent bank for folks with little to no credit history and they really allow you to get your foot in the door so to speak. Use there cards responsibly and your score will be climbing in no time.
Mar 21, 2018
Capital One has an excellent cashback program and several incentives for new customers . Though I am relatively new they recently increased my credit limit . When I joined Capital One my score was horrible now it has improved. Thanks Capital One !!
Jan 08, 2018
I have been using this card for a little over 6 months now as a way to rebuild my credit. I have been making my payments on time each month and just recently got a credit increase, which I was really excited about. I did not have to call and ask for the increase it was just automatically given after 6 months. The cash back isn't very much as I have only earned $7.00 over the past 6 months and I use the card quite a bit.… show more
Sep 12, 2017
To heck with this, Truliant Federal Credit Union gave me a 9.15% variable rate Visa w/out any fees (nor any rewards, these are for those who selects the 14.99% rate card). What's so surprising about my experience was that I hadn't used any form of credit for a decade, although my credit score was a whopping 742, mainly because of three accounts still being reported in good standing, although closed one in 2005, the other two in 2006.
Of course, the visit to Truliant itself caused two 'hard' pulls, one to become a member (checking & savings, totally free due to being 55) and the other for the Visa application. Although I elected to wait, didn't take long, walked out the door not only as a Truliant member-owner, also with a set amount of credit amount in hand. While I was offered a generous amount, instead chose to limit the amount to $500, which is one-fifth of what was offered.
One doesn't have to earn $75K & have a wallet of credit cards, an auto loan (or two) & mortgage to earn a high score (back then, mine was only 720), it's managing what credit we have responsibly. Therefore, one can have a great score by having a couple of small accounts open & pay on time or better yet, the balance in full every month. I've set things up to where I get a text message 7 days before a payment is due, so that I don't forget to pay.
If one lives in Virginia or the Carolinas, visit a Truliant branch nearby or apply online. Note that with a credit card application, proof of income is mandatory, regardless of source (am disabled, so carried my benefit statement with me). Plus I cannot guarantee that everyone qualifies to become a member, they (like banks) can reject even a membership over low credit scores. I was never told the minimum, nor did I ask. It's just that Truliant is the only 'open' credit union in NC, one doesn't have to work for certain employers or the government.
I'm still tickled pink that I had a 742 score with no credit utilization for 11 years (limited credit) & could had walked out with $2,500 limit at 9.15%. That's over 3x less over what some 'limited credit' offerings on here & similar sites advertises (24.99-29.99%) & loaded with fees, over a third requiring some form of security deposit.
In closing, while I suppose this offer is better than none for some, for me, thanks, yet I'll take a pass on Capital One. Not just because of this, back in 1998 when earning better money & a 700-720 score, gave me a mere $200 limit & after a full year of on-time payments, wouldn't consider an increase on line of credit. My local bank (then Wachovia) whom I had a mortgage with offered me a $5,000 'Gold' card & provided some checks. One was written to Capital One to pay off the slightly over $100 owed & I closed the account. The rest is history.… show more
Of course, the visit to Truliant itself caused two 'hard' pulls, one to become a member (checking & savings, totally free due to being 55) and the other for the Visa application. Although I elected to wait, didn't take long, walked out the door not only as a Truliant member-owner, also with a set amount of credit amount in hand. While I was offered a generous amount, instead chose to limit the amount to $500, which is one-fifth of what was offered.
One doesn't have to earn $75K & have a wallet of credit cards, an auto loan (or two) & mortgage to earn a high score (back then, mine was only 720), it's managing what credit we have responsibly. Therefore, one can have a great score by having a couple of small accounts open & pay on time or better yet, the balance in full every month. I've set things up to where I get a text message 7 days before a payment is due, so that I don't forget to pay.
If one lives in Virginia or the Carolinas, visit a Truliant branch nearby or apply online. Note that with a credit card application, proof of income is mandatory, regardless of source (am disabled, so carried my benefit statement with me). Plus I cannot guarantee that everyone qualifies to become a member, they (like banks) can reject even a membership over low credit scores. I was never told the minimum, nor did I ask. It's just that Truliant is the only 'open' credit union in NC, one doesn't have to work for certain employers or the government.
I'm still tickled pink that I had a 742 score with no credit utilization for 11 years (limited credit) & could had walked out with $2,500 limit at 9.15%. That's over 3x less over what some 'limited credit' offerings on here & similar sites advertises (24.99-29.99%) & loaded with fees, over a third requiring some form of security deposit.
In closing, while I suppose this offer is better than none for some, for me, thanks, yet I'll take a pass on Capital One. Not just because of this, back in 1998 when earning better money & a 700-720 score, gave me a mere $200 limit & after a full year of on-time payments, wouldn't consider an increase on line of credit. My local bank (then Wachovia) whom I had a mortgage with offered me a $5,000 'Gold' card & provided some checks. One was written to Capital One to pay off the slightly over $100 owed & I closed the account. The rest is history.… show more
Sep 01, 2017
I'm getting to the begining of the eighth year since my Chapter 7 was posted on my credit report and I decided it's finally time to find a card... I did my research first and I chose this one because it earns extreme rewards... But I didn't expect to be treated like an American Express customer would with Good+ credit... This card is extremely high quality, customer service is premier and the payments post within the next revolving day, unless it falls on a Sunday.... I have never accrued interest and I now have $26.88 in rewards cash just for swiping the card at any given merchant, virtual or face-to-face.
My credit is now on it's way back to 700 from a 640-650 range. Don't apply for this card if you do not have at least 640, you will most surely be declined.
I highly recommend this card, however, if you have a 640 or more and are looking to make some money. Just post those payments, and run a ledger if you have to. You got this!… show more
My credit is now on it's way back to 700 from a 640-650 range. Don't apply for this card if you do not have at least 640, you will most surely be declined.
I highly recommend this card, however, if you have a 640 or more and are looking to make some money. Just post those payments, and run a ledger if you have to. You got this!… show more
Jun 08, 2017
If I already have the quicksilver card, can I also get the quicksilver ONE card? I started with the Capital one platinum card...had that for about 2 years, then I was "upgraded" to the quicksilver card - because my payment history with Cap One was excellent. I love my quicksilver card and would recommend it to anyone. My question is, can i also get approved for the Q-One card, even if I already have the regular quicksilver?… show more
May 18, 2017
This card is OK. I got a 500$ credit increase after 7 months of on time payments. I paid my balance off in full each month only charging 30% of my credit limit. They really need larger credit increases. The card could be better!
Apr 01, 2017
I have two capital one credit cards. One is the Quick Silver. Am I allowed to applied for another one.... to get the debt to ratio dow
Jun 21, 2016
This card is ideal for people with limited history or lower credit scores. If you pay on time the first 5-6 months, you'll see a huge boost in CLI, which was a nice surprise in my opinion. Customer service is also some of the best I've seen, and I've been put through the ringer with several other companies. I was put in touch with someone right away on the phones with Capital One and had my questions answered immediately. I highly recommend them and their services. The APR on this card is a smidge high, but if your credit is good enough, shoot for the regular Quicksilver to avoid paying so much interest. All in all, good card, good company, I say go for it. Hope this helps. ;-)… show more
Mar 04, 2016
I got this card because I was trying to establish credit and it is doing a good job of that. I like how there are cash back rewards and find that they add up quickly and like that they can be used to lower your balance. I do wish that it did not have an annual fee. The card itself is good if you are responsible with credit and capital one is very good about giving credit limit increases. I have not had to deal with customer service as of yet since the online customer account has everything that you could possibly need.… show more
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Last updated on: February 19th, 2021 at 20:07
Editor's Pick
Capital One QuicksilverOne Cash Rewards Credit Card is an Editor's Pick for:
Related Credit Cards
If you are interested in the Capital One QuicksilverOne Cash Rewards Credit Card, check out the following credit cards as well:
Related Credit Card Categories
Capital One QuicksilverOne Cash Rewards Credit Card is related to the following categories:
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Feb 19th, 2021 at 20:07 ET