Capital One® QuicksilverOne® Cash Rewards Credit Card
Required Credit Score:
Fair, Limited History
Fair, Limited History
Offered by:
Capital One
Apply Now
at Capital One's
secure site
secure site
Capital One® QuicksilverOne® Cash Rewards Credit Card's Rewards
- Earn unlimited 1.5% cash back on every purchase, every day
- Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
- 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
Capital One® QuicksilverOne® Cash Rewards Credit Card's Key APRs & Fees
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
24.99% (V)
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ANNUAL FEE
$39
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BALANCE TRANSFER FEE
None
Capital One® QuicksilverOne® Cash Rewards Credit Card's Additional Info
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MAX LATE FEE
$35
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MAX OVERLIMIT
FEE
None
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MAX PENALTY APR
None
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GRACE PERIOD
25 days
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ONLINE RESPONSE
No
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CASH ADVANCE
RATE
24.99% (V)
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CASH ADVANCE
FEE
3% (min $10)
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FOREIGN
TRANSACTION FEE
None
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SMART CHIP
Yes, chip-and-signature
- Get access to a higher credit line after making your first 5 monthly payments on time
- Fraud coverage if your card is ever lost or stolen
- Use online banking to access your account, even from your smartphone, with our mobile app
- Help strengthen your credit for the future with responsible card use
at Capital One's
secure site
secure site
Editor's Pick
Capital One® QuicksilverOne® Cash Rewards Credit Card is an Editor's Pick for:
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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.
Is a previous credit rating needed to apply?
Reply
Feb 2, 2016
You should have a good shot at approval, as this credit card was designed for people with limited credit history. That, combined with its low annual fee and attractive rewards, is why it’s a great tool for cost-effective credit building. With that being said, if you don’t get approved, you might just want to place a deposit on a no annual fee secured credit card in order to get the credit-improvement ball rolling. Hope that helps. Please let us know if you have any other questions.… read more
Is the $39 annual fee due before the card is activated?
Reply
Does this card work with Apple Pay?
Reply
How can I find the highest limit card for fair credit?
Reply
Nov 13, 2015
Applicants who are approved for this card will get a credit line of at least $300, but Capital One does not disclose the maximum credit line or the spending limit one might expect based on a certain credit rating. It’s difficult to predict the credit line you will get approved for with any credit card, as issuers take a number of different factors into account, such as your income and existing debt obligations, in addition to your credit score.… read more
What are the incentives or rewards?
Reply
Feb 2, 2016
You will earn 1.5% cash back on all purchases, and your rewards will not expire. Your earnings can be redeemed for a statement credit, check or gift card. You can also set up an automatic redemption schedule based on the date or a certain amount earned. Hope this helps. If you need more information you can check out our review of the QuicksilverOne Card ( http://wallethub.com/edu/capital-one-quicksilver-one-review/25947/ ), and feel free to send any additonal questions our way as well.… read more
Capital One® QuicksilverOne® Cash Rewards Credit Card Review: Editor’s Take
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:
- Generous, straightforward rewards. Capital One QuicksilverOne offers 1.5% cash back across all purchases. Not only does that blow away the 1.02% 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 1.97% – 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 Quicksilver Card from Capital One. It also offers 1.5% cash back on all purchases, but has a $100 initial bonus and no annual fee.
Jun 14, 2017
Capital One® QuicksilverOne® Cash Rewards Credit Card Reviews
Share your insights and review the Capital One® QuicksilverOne® Cash Rewards Credit Card.
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?… read more
1 Comment
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. ;-)… read more
Mar 05, 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.… read more
Feb 25, 2016
I initially got this card because I trusted the name brand and liked the prospect of cash rewards back. Getting 1.5% cash back on all my credit card purchases is a REALLY nice perk and is hard to beat. It's unlimited so you can use it as much as you want, and really adds up over time, even on small purchases here and there. The interest rate is pretty reasonable but I always pay my full balance off, so the main benefit to using the card is getting the cash back for me. Cash back is better than just earning points or discounts like so many other credit cards do, because I get to decide how I spend it. I would definitely recommend this card to other people, but would caution them to use it like I do and pay things off in full, that way you can fully utilize the cash back rewards and it is basically like getting free money.… read more
Feb 23, 2016
Once my family had gotten our credit up to a point where it wasn't scary to look at it, it felt like a very important achievement. Furthermore, and better, it opened a lot of doors for us in terms of credit cards. Up until this point, our credit card was a secured, low-limit thing that we basically only used for emergencies, or to use and immediately pay, to boost our credit. This is the card we decided on once we had the option to get a card that was more useful and rewarding. Now that we've established our pattern of use (pay off what we spend right away), the relatively high APR is not really a big deal, but what is are the rewards points that we get. 1.5% cash back adds up super fast, the way that we use it. At no point have we experienced problems. It's a great card that I don't regret having at all. I've always been happy with Chase's customer service, and I would definitely recommend it to others, looking for a good rewards card, and who have maybe just emerged from the financial wilderness themselves.… read more
Feb 12, 2016
This card is decent, it was the second card I got after rebuilding my credit and not having cards for many years. I would say it is a good "starter" card. The initial credit limit was on the low side, but I was enrolled in the "credit steps" program that guaranteed a credit line increase after paying on time for three months. My credit limit was more than doubled after the 3 months so I was very happy with that. The 1% cash back reward is ok. I find I benefit more from the travel cards than the cash back ones. The Capital One app on the phone is very slick. It makes using the card very convenient. Paying your bills or applying your cash back reward is very fast and simple in the app. I always thought Capital One wasn't the best credit card provider but I am very happy with them. They took a chance on me while I was rebuilding my credit and so far they have rewarded me for being a good customer.… read more
Feb 10, 2016
My credit isn't very good, after some small mistakes in the past, but it's not as bad as it used to be and I've been working on really improving it. I'd never had a credit card in the past, but I wanted to slowly build up my credit, so I got this card. Some of the features are really nice - the cash back is a great little plus, it adds up after a few months. The Uber credit isn't something I see myself using, so it's wasted on me, which is a shame. The annual fee is a pain, but I understand why it's there and it's not as bad as a lot of other cards. The APR is terrible, however, in my opinion. I'm glad that I pay my statement off every month, because that APR would really kill my finances if I left anything to gather interest. It's not bad if you pay your card off every month, but if you leave a balance it could really become a problem.… read more
Feb 05, 2016
I got it because it was one of the few I qualified for at the time. I would definitely improve the rewards structure. 1% cash back on all purchases is pretty pitiful when compared to most of the other cards out there. I would recommend it to others who have average credit looking to improve their credit score. I started out with a $750 limit and am now over $5000. It has done wonders for my credit score and for that I am thankful. I have not had to deal with the customer service so I cannot comment on that. However, the app is great.… read more
Jan 04, 2016
This card was great when my credit history was poor. Yes, it has an annual fee but as long as you use it enough, the fee should be covered by your cash back amount! This card is a great way to build credit history and have a little bit of your hard spent, hard earned money, come back to you!
Jan 04, 2016
I like this card for the most part. It's a great card for building credit while also getting cash back. My limit started at $500 and has increased on its own to the $1,500 mark. My first year was interest free as well. The cash back has been reasonable and the customer service has always been very responsive and helpful.
Dec 21, 2015
If you are looking for a valuable credit card that offers you great benefits, then this might be the one you can consider. The sign up process was super easy and hassle-free.One of the best thing about this card is that it does not charge anything for accessing credit reports. The card offers many cash back offers that are really handy in situations where you are running short of money. I really love this card.… read more
Dec 15, 2015
This is one of the best credit card in the market for beginners.It comes with visa which is most widely accepted credit card and a free credit report. I have started earning cashback.I can easily track my credit score, which is an added benefit with this card.I am happy with their customer service.
Dec 14, 2015
Started with a Cap One secured card (rebuilding credit after a lay off and divorce and loosing everything i had) held that for 6-8 months then got the quick silver one with a 500$ limit 3 months of use and on time payments they rose my limit to 3k!
Dec 12, 2015
This is a very good card to have for those with subpar credit. It is a valuable card, Capital one is a very fair and reasonable company to deal with. A few years back I fell behind a little with them and they made every effort to help me pay off the past due balance and return to being on time. I am very grateful to have this card, especially for emergencies
Nov 24, 2015
This is hands down one of the best credit cards I have ever had and actually my preference when it comes to needing to use one. It is a great asset if you are looking into building up your credit and I literally have no complaints about it whatsoever. If you’re in need of a new credit card I couldn’t recommend this one enough.
Sep 27, 2015
This is one of my favorite cards to use, the rewards are just a straight 1.5% cash back on all purchases without limitations or miles to redeem. You can use the cash back to put towards your total balance, a specific purchase, or request a check back. The initial no interest term was great and really got me used to using the card for all my everyday purchases. I've been able to purchase a few special items for myself with the cash back rewards and have even used the cash back towards my payment during a month when things were tight.
The interest rate is pretty high but as long as you don't carry a balance it's not an issue.… read more
The interest rate is pretty high but as long as you don't carry a balance it's not an issue.… read more
Sep 13, 2015
This was one of the first cards that I acquired when beginning to build my credit. The thing that was most interesting about this card was its initial No Interest term offering. I had already had a a Capital One Platunum card with a pretty low interest rate, so I was already pretty familiar with Capital One's inner workings. The rewards that I receive on this card are outstanding! I use it for pretty much everything and pay it off on a weekly basis. I've received regular credit limit increases every 6-8 months, and the few times that I've requested them.… read more
Aug 27, 2015
This is my very first credit card, I've had it for over a year. I got it to help me boost my credit some. It works great, managing it online is very easy, and it was easy to get. I have had no problems and would recommend to anyone starting out with credit cards!
Jun 25, 2015
i have this card and its great for starters. my limit right is for 1500. starts at 500 after six months get more. 1.5 cash back is cool. the only thing i do not like is the feel of the card.the card is to thin and it feel like it wont last to long if you use it to often. the mobile app is great pay you bill and chose your rewards. really easy to get if you get a letter in the mail take the offer… read more
Apr 21, 2015
The Capital One Quicksilver Card is a great card for slow credit. I applied and got approved right away with a score under 600. I got an initial credit limit of $500 and thats not so bad. This card has rewards too, you cant beat that. Low APR and Interest rates are a plus. The more you spend the more rewards you earn. You get a credit line increase after the first 5 on time payments. Something to look forward to I cant wait. This card does have a small annual fee. You also get credit tracker with your card account as well. GREAT FOR STARTERS.… read more
Apr 02, 2015
I really like the Capital One Quicksilver card for me. It's a visa so it's widely accepted everywhere, and it comes with a free credit report. And when I say free, I mean it's actually free. You simply click it from your account and bam, there's your number. I really love it's benefits too, there's no limit to how much you can earn, and it's for absolutely everything you buy. No more worrying about which categories you have to do each month. This way it doesn't drive you to spend more than you usually would simply to get the reward. And you can either have the cash applied to your future bill or sent as a check to you.… read more
Mar 23, 2015
Well, I just upgraded my Capital One platinum mastercard to the Quicksilver One credit card. I've already started to earn cash back! I'm impressed, and I'm glad I asked for the upgrade, it was worth it.
Feb 14, 2015
Been with Cap One for over 10 yrs now. Just switched to QS of my visa account & plan on switching to Venture for the other account. Good service and you can navigate their site very well plus you also get a free credit score. And if i want, I can pay on my bill many times a month without an issue.
Jan 09, 2015
I really have had no problems with this credit card. I love that Capital One cards are Visa, because I find that is the most widely accepted credit card. I took this card with me when I went traveling and it was very hassle-free. I simply notified Capital One that I was leaving the country and for what time period. I enjoy being able to track my credit score, which is an added benefit of having this card also. I have the Quicksilver card with no annual fee, and I really enjoy the benefits with it. It is simple to cash my rewards in too.… read more
Dec 21, 2014
This card, as well as the company, to have business with. I applied and was approved for a platinum mastercard in May, but was converted in October after five ontime payments, which was amazing, by the way, and I definitely plan on keeping up a good payment history to see if there are upgrades available in the future. I have had nothing but positive encounters with this company. Before I got this card, I have tried for two years to get approved for a capital one credit card, so I was ecstatic when I got the email saying that my new credit card was mailed. The people seem to take pride in putting their customers first and I am very grateful to be a part of the capitalone family.… read more
Dec 09, 2014
Okay first off, there are TWO types of Quicksilver. One is for EXCELLENT (no annual fee) credit and the other is for FAIR ($39 annual fee) credit. Usually to be qualified you must be between 550-690 . i was at 620 with a $500 limit. Capital One is an amazing creditor! This card gives you cash back for all your purchases. You can redeem them back in credit use or receive it as a check. They INCREASE your limit after 5 consecutive ON-TIME payments. And the customer service is great! They answered my questions and helped set up my online account to use auto pay! I recommend it for a first starting credit card and rewards card.… read more
Nov 18, 2014
I really enjoy my Capital One Quicksilver card. I use it for most of my purchases that are leisure. Its a really nice card and was easy to understand upon getting it. Signing up was also easy. The rewards are pretty good, and for the things I do with it its perfect for me. I would recommend this card to a friend any day. I think its a nice card that anyone can use and get the benefits from it. I suggest any and all check out this card. If its not for you right now then keep it in mind, because it may be right for you later.… read more
Nov 10, 2014
I love my Capital One Quicksilver! I use it for all of my purchases, including my rent and utilities - I simply pay my balance each month and get a 1.5% discount on everything I buy. That's $15 back for every thousand I spend, which adds up. I've had the card since February, and I have already been awarded a higher credit limit than I started with on this card. I definitely recommend selecting this one, if you are in the market for a new card.… read more
Oct 24, 2014
Love this card. Signing up was easy as well as adding it to my current Capital One card account page. I signed up for this card for the rewards. Other Capital One options such as Journey did not offer as good of rewards, but did offer 6 months no interest. I quickly racked up points with this card which was I became very happy with. I was initially given more credit than my previous Capital One Card that I've had for 8 years and has the chance to be raised faster and for more than my previous card. That in itself makes this card better. The $39 fee with this card is understandable, for people with growing credit but can become a pain. Overall this card trumps all other fair/good credit card options offered by Capital One. The design, the numbers on the card not being embossed where they can fade is an added bonus. Using a credit card for online purchases is the best way to stay protected and with this Capital One QuicksilverOne Cash Rewards Credit Card, I feel perfectly safe.… read more
Oct 02, 2014
Love this card. Sign up was easy and convenient. Great cash back and credit limit can get raised.
Oct 01, 2014
I started out with a different version of this card but was eventually upgraded. I was not initially thrilled with the $39 annual fee to use the card but the rewards are really great. I use this card for nearly everything and then pay it off at the end of the statement cycle so I earn maximum rewards. Being able to choose how to receive your rewards is great as well - I personally have it set to go towards my statement once I hit $50. Also, my credit card information was stolen at one point and Capital One notified me immediately and it was handled with minimum hassle. I highly recommend this card.… read more
Sep 16, 2014
This card has been great so far. The sign up was easy and quick. It has a good cash back on everything. I have had no problems so far and my credit limit was raised on the card within 6 months.
Aug 25, 2014
i had the QuickSilverOne MasterCard and i wasn't happy because of the $39 a year annual fee, to me that means this Card was costing me $3.25 each month for 12 months just to have it, so i called CAP ONE and i asked them to convert this Card to their JOURNEY VISA Card that has 1.25% Cash Back and NO annual fee even though i am NOT a Student and they did it, now the JOURNEY VISA Card Cost me nothing a Year, i also changed the Design of the JOURNEY VISA Card and now it doesn't say JOURNEY it says PLATINUM VISA Card and is Silver...… read more
Aug 16, 2014
I really like the unrestricted cash back, however I'm not pleased with the high interest rate. But, I would recommend it as a good starter card for someone looking to build credit.
May 16, 2014
I personally love this Capital one Quiksilver one card. It is excepted almost anywhere that I travel. I have definitely been racking up major points lately. Getting rewards with this card is a lot easier than other cards that I've had experience with. I also noticed that customer service is always very helpful, even with the smallest of concerns.
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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 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: June 14th, 2017 at 15:28
Mention this credit card using @75c.
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 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: Jun 14th, 2017 at 15:28 ET