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The Capital One QuicksilverOne Cash Rewards Credit Card could be the right choice for you if you’re building your credit history. You could be able to qualify for the card even if you don’t have an excellent credit score, and you’ll earn at least 1.5% cash back on your purchases. However, there’s no welcome offer, and you’ll pay a modest annual fee.
Review: Is the Capital One QuicksilverOne the best card for you?
Similar to the popular Capital One Quicksilver Cash Rewards Credit Card, the Capital One QuicksilverOne Cash Rewards Credit Card is best for those who want a card that earns cash back on everyday purchases.
If your credit score isn’t high enough to qualify for the Capital One Quicksilver Cash Rewards Credit Card, you might have better luck getting approved for this card. The Capital One QuicksilverOne Cash Rewards Credit Card is meant for users with fair credit.
You can earn 5% cash back on hotels and car rentals booked through Capital One Travel, and 1.5% cash back on all other purchases. You won’t have to juggle cash-back categories, and your rewards won’t expire as long as your card is open.
Yet, new cardholders won’t receive any sort of welcome bonus offer or an intro APR offer when they sign up. There’s also a Capital One QuicksilverOne Cash Rewards Credit Card annual fee attached, unlike the no-annual-fee Capital One Quicksilver Cash Rewards Credit Card. There are also fewer benefits included.
The 5% cash back on hotel and car rentals is a limited benefit as it is only applicable when you book through Capital One Travel. If you don’t plan on using Capital One Travel for your travel bookings, or have higher credit, you might want to consider a different cash-back rewards card altogether.
For example, the Capital One Quicksilver Cash Rewards Credit Card comes with the same cash back rates as the Capital One QuicksilverOne Cash Rewards Credit Card but without the annual fee. It also offers a welcome bonus offer of a Capital One Quicksilver Cash Rewards Credit Card and additional benefits.
Another rewards card to consider if you have good to excellent credit is the Chase Sapphire Preferred® Card, which has a Chase Sapphire Preferred® Card annual fee. It has a welcome bonus offer of Chase Sapphire Preferred® Card, great earning rates, and a wide range of redemption options.
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
How to earn rewards from Capital One QuicksilverOne card
With the Capital One QuicksilverOne Cash Rewards Credit Card, there are no rotating categories to juggle, and no limits to the rewards you can gain. Rewards also don’t expire as long as the account is open.
Unfortunately, you’ll receive a 3% fee on each transferred balance, so if you’re looking for a new credit card for a balance transfer, there are better options. It also has a current APR of Capital One QuicksilverOne Cash Rewards Credit Card.
You’ll earn the most rewards by booking hotels and car rentals through the Capital One Travel site. You’ll receive 5% cash back on all these bookings with no max limit, and 1.5% cash back on all other purchases.
Similarly, if you use the Capital One QuicksilverOne Cash Rewards Credit Card overseas you won’t have to worry about foreign transaction fees.
How to use rewards
The Capital One QuicksilverOne Cash Rewards Credit Card gives you multiple ways to redeem
Receive a check in the mail directly from Capital One or redeem it as statement credits towards your account balance.You can apply your cash back rewards directly to some recent purchases, including certain travel expenses. Credits are redeemable as gift cards for restaurants, retailers, and more. You can link your Amazon or PayPal account to your Capital One card to use rewards/miles on eligible purchases.
Benefits and features
The Capital One mobile app
The Capital One mobile app gives you the ability to pay your bills, view your balances and transactions, receive security alerts (via email, text, and phone), and lock your card at your fingertips.
Card lock
If your card is lost, stolen, or misplaced, you can lock your account from the Capital One Mobile App
24/7 customer service
You’ll have access to 24/7 customer service representatives if you have questions, concerns, and or other travel queries.
Eno assistance
The Capital One Mobile App includes access to Eno (Capital One’s virtual assistant) which monitors your account and provides additional 24/7 customer support.
$0 fraud liability
If your card is stolen, lost, or misplaced, you will receive $0 fraud livability coverage and will not be responsible for any unauthorized charges on your card.
No foreign transaction fees
There are no foreign transaction fees on purchases outside of the US.
Emergency card replacement
You’ll receive an emergency replacement card if your card is lost or stolen.
Fees and costs
The Capital One QuicksilverOne Cash Rewards Credit Card has a Capital One QuicksilverOne Cash Rewards Credit Card annual fee and an APR of Capital One QuicksilverOne Cash Rewards Credit Card for purchases and transfers. The APR varies based on the market which is based on the Prime Rate.
There is a late payment fee of up to $40.
On the bright side, you won’t have to pay any foreign transaction fees on purchases made outside of the US. This is especially beneficial for those who wish to earn cash back on purchases in foreign countries and regions.
Comparison: Capital One QuicksilverOne Cash Rewards Credit Card vs other Capital One Cards
Capital One QuicksilverOne Cash Rewards Credit Card
Capital One Platinum Credit Card
Capital One Quicksilver Student Cash Rewards Credit Card
Annual fee
Capital One QuicksilverOne Cash Rewards Credit CardCapital One Platinum Credit CardCapital One Quicksilver Student Cash Rewards Credit Card
Rewards rate
5% cash back on travel hotel and car rental books made through Capital One Travel
1.5% cash back on all other purchases
N/A
5% cash back on hotels and rental cars booked through Capital One Travel
1.5% cash back on all other purchases
Welcome bonus
NoneNoneCapital One Quicksilver Student Cash Rewards Credit Card
Card benefits
Automatic credit line reviews after the first six months
Free credit monitoring with CreditWise
Automatic credit line reviews after the first six months
Free credit monitoring with CreditWise
$5 credit a month (for 12 months) toward select streaming subscriptions (only when you pay on time)
Free credit monitoring with CreditWise
Review
Capital One Platinum Credit Card reviewCapital One Quicksilver Student Cash Rewards Credit Card review
Capital One QuicksilverOne Cash Rewards Credit Card vs other cash rewards credit cards
Capital One QuicksilverOne Cash Rewards Credit Card
Wells Fargo Active Cash® Card
Blue Cash Preferred® Card from American Express
Annual fee
Capital One QuicksilverOne Cash Rewards Credit CardWells Fargo Active Cash® CardBlue Cash Preferred® Card from American Express
Rewards rate
5% cash back on travel hotel and car rental books made through Capital One Travel
1.5% cash back on all other purchases
2% cash rewards on purchases
6% cash back at U.S. supermarkets*
6% back on select U.S. streaming subscriptions
3% back at U.S. gas stations and on transit
1% back on all other purchases
Welcome bonus
NoneWells Fargo Active Cash® CardBlue Cash Preferred® Card from American Express
Card benefits
Automatic credit line reviews after the first six months
Free credit monitoring with CreditWise
Cell phone protection
Visa Signature Concierge
Roadside dispatch
Travel and emergency assistance services
Emergency cash disbursement and card replacement
Access to the Visa Signature Hotel Collection
Blue Cash Preferred® Card from American Express
Car rental loss and damage insurance
Global assist hotline
Return protection
Purchase protection
Extended warranty
Access to Amex Offer programs***
Review
Wells Fargo Active Cash Card review
Blue Cash Preferred Card from American Express review
*cash back is received in the form of Reward Dollars
Capital One QuicksilverOne Cash Rewards Credit Card frequently asked questions (FAQ)
What type of card is Capital One QuicksilverOne Cash Rewards Credit Card?
The Capital One QuicksilverOne Cash Rewards Credit Card is an all-purpose cash-back rewards card for those wanting to earn back a percentage of their money back through rewards categories.
Is Capital One QuicksilverOne Cash Rewards Credit Card good for building credit?
The Capital One QuicksilverOne Cash Rewards Credit Card is a card for those with fair or average credit. You can increase your credit score through consistent, on-time payments.
What credit score do you need for Capital One QuicksilverOne Cash Rewards Credit Card?
The Capital One QuicksilverOne Cash Rewards Credit Card is a good fit for those with fair to average credit.
What is the difference between Capital One Quicksilver Cash Rewards Credit Card and the Capital One QuicksilverOne Cash Rewards Credit Card?
The Capital One QuicksilverOne Cash Rewards Credit Card is best suited for those with fair or average credit. Unlike the Capital One Quicksilver Cash Rewards Credit Card, the Capital One QuicksilverOne Cash Rewards Credit Card does not have a welcome bonus offer and does include a moderate annual fee.