$0
Annual fee
$20
Bonus value
See the card
Card reviewCapital One
Updated Jul 3, 2026 · researchQ
Capital OneEditorially reviewed
QuicksilverOne
The Capital One QuicksilverOne Cash Rewards Credit Card is a mid-tier cashback card designed for consumers with fair credit who want straightforward rewards on everyday spending.
Mastercard
$0
Annual fee
1.5% back all purchases
Top rate
N/A
Foreign fee
N/A
Rating
Current Welcome Offer
0 bonus
Verifiedproduct page
Card Offers
public
0 bonus
product page
Earning Rates
All Purchases
1.5%cash back
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 | $0 |
Card Benefits
3 benefits
Travel Credits
Purchase Protection
Lifestyle Benefits
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
What is the annual fee for the Capital One QuicksilverOne?
The card carries a $39 annual fee. This fee is not waived for the first year, so cardholders are charged it from the start of their account. At 1.5% cash back on all purchases, you would need to spend at least $2,600 per year to offset the fee through rewards alone.
What credit score do I need to qualify for the QuicksilverOne?
The Capital One QuicksilverOne is designed for consumers with fair credit. It is positioned as a card for those who are building or rebuilding their credit profile rather than those with excellent credit.
How does the cash back reward structure work?
Cardholders earn an unlimited 1.5% cash back on every purchase. There are no rotating categories, spending caps, or enrollment requirements. The reward rate is flat and applies to all purchases without exception.
Are there foreign transaction fees on this card?
No, the QuicksilverOne charges no foreign transaction fees. This means purchases made outside the United States are not subject to additional fees, making the card usable for international travel or shopping.
Can I get a credit line increase with the QuicksilverOne?
Capital One automatically reviews your account for a potential credit line increase after you make your first six monthly payments on time. The review is automatic and does not require a separate application, though an increase is not guaranteed.
What is CreditWise and how do I access it?
CreditWise is a free credit monitoring tool provided by Capital One that lets you track your credit score and monitor your credit report. It is available to all Capital One cardholders and uses VantageScore 3.0 from TransUnion, which may differ from scores lenders use.
What is the purchase APR on the QuicksilverOne?
The purchase APR is 29.99%, which is a fixed rate with no range. This is a relatively high rate, so carrying a balance from month to month can be costly. Paying the full statement balance each month is strongly advisable.
Is there a welcome bonus or sign-up offer on the QuicksilverOne?
Based on the current public offer, there is no cash sign-up bonus associated with this card. The primary value comes from the ongoing 1.5% cash back earning rate rather than an upfront bonus.
Is the QuicksilverOne a Visa or Mastercard?
The Capital One QuicksilverOne is issued on the Visa network. This means it is accepted at the wide range of merchants globally that accept Visa.
How does the QuicksilverOne compare to the standard Quicksilver card?
The QuicksilverOne is targeted at fair-credit consumers and carries a $39 annual fee, while the standard Quicksilver card typically requires good to excellent credit and has no annual fee. Both cards earn 1.5% cash back on all purchases, but the QuicksilverOne serves as a stepping stone for those still building their credit profile.
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 a mid-tier cashback card designed for consumers with fair credit who want straightforward rewards on everyday spending. Cardholders earn an unlimited 1.5% cash back on every purchase, with no rotating categories or sign-up requirements to manage. The card carries a $39 annual fee and charges no foreign transaction fees, making it a functional option for occasional international use. It also includes an automatic credit line review after six consecutive on-time monthly payments, giving responsible users a path toward improved credit access.
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.
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