Capital One QuicksilverOne Cash Rewards Credit Card
Earn unlimited 1.5% cash back on every purchase with a modest annual fee — designed for those with fair credit looking to build toward better rewards.
Annual Fee
$39
Top Earning Rate
1.5% back all purchases
Foreign Tx Fee
None
Rating
N/A
Current Welcome Offer
0 bonus
Card Offers
public
0 bonus
Earning Rates
Unlimited 1.5% cash back on every purchase
Pros & Cons
Pros
- Flat 1.5% cash back on all purchases with no category restrictions or caps
- No foreign transaction fees, making it practical for international use
- Automatic credit line review after six on-time payments supports credit building
- Simple reward structure with no rotating categories to track or activate
- Free CreditWise credit monitoring included for ongoing credit score tracking
Cons
- $39 annual fee is charged from year one with no introductory waiver
- 29.99% APR is high and makes carrying a balance expensive
- No welcome bonus or sign-up offer available on the current public offer
- 1.5% flat rate may be outpaced by cards offering higher rates in specific categories
- Credit line increase after six payments is a review only, not a guaranteed raise
Key Takeaways
- Earns a flat, unlimited 1.5% cash back on every purchase with no exceptions or category management required
- Designed specifically for fair-credit consumers, making it more accessible than most rewards cards
- Carries a $39 annual fee with no first-year waiver, requiring roughly $2,600 in annual spend to break even on the fee
- Automatic credit line review after six on-time payments provides a built-in path to improving credit access
- No foreign transaction fees make this card usable abroad without extra cost
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $39 |
| Foreign Transaction Fee | 0% |
APR Information
- Purchase APR
- 29.99%
- Balance Transfer APR
- 29.99%
- Cash Advance APR
- 29.99%
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
3 benefits
Travel Credits
Purchase Protection
Lifestyle Benefits
Coverage Tier Legend
Frequently Asked Questions
What is the annual fee for the Capital One QuicksilverOne?
What credit score do I need to qualify for the QuicksilverOne?
How does the cash back reward structure work?
Are there foreign transaction fees on this card?
Can I get a credit line increase with the QuicksilverOne?
What is CreditWise and how do I access it?
What is the purchase APR on the QuicksilverOne?
Is there a welcome bonus or sign-up offer on the QuicksilverOne?
Is the QuicksilverOne a Visa or Mastercard?
How does the QuicksilverOne compare to the standard Quicksilver card?
About This Card
The Capital One QuicksilverOne is best for consumers with fair credit who want a simple, no-fuss cash back card to use for everyday purchases while actively working to improve their credit profile. It suits those who prefer a flat earning rate over managing rotating bonus categories.
The Capital One QuicksilverOne Cash Rewards Credit Card is designed for consumers with fair credit who want to earn cash back on every purchase. Cardholders earn an unlimited 1.5% cash back on all purchases with no rotating categories or sign-up requirements. The card carries a $39 annual fee and has no foreign transaction fees, making it usable abroad. It also provides access to a higher credit line after making on-time payments in the first 6 months.
The QuicksilverOne stands out in the fair-credit segment by offering a market-standard 1.5% flat cash back rate alongside no foreign transaction fees, a combination rarely found together on cards accessible to consumers with limited or rebuilding credit histories.
Ready to Decide?
Apply for the Capital One QuicksilverOne Cash Rewards Credit Card
0 bonus with a $39 annual fee.
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Sources & Methodology
Sources & Methodology
Card details are collected by automated crawlers from official issuer pages, then verified by editorial review.
Last updated:
Pending editorial review.
- 2 of 3 benefits rated high confidence
- 1 of 1 offer verified
Read our full methodology for how we collect, verify, and rate credit cards.
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