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Capital One® QuicksilverOne® Cash Rewards Credit Card

Capital One® QuicksilverOne® Cash Rewards Credit Card


Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 14 Offer Ratings
Over the Past 60 Days!

(14) Over the Past 60 Days!

  • Regular Purchase APR 26.74% (Variable)
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $39
  • Credit Needed


  • Card Brand Mastercard®

Card Details


  • Click "APPLY NOW" to apply online
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

Card Fees

Foreign Transaction Fee None

Balance Transfer Fee $0

Cash Advance Fee 3% of the amount of the cash advance, but not less than $10

Penalty APR None

Ongoing Information

Rewards Rate 1.5% Cash Back on every purchase, every day

Annual Fee $39

Expert Reviews

From the Editorial Team

The Capital One® QuicksilverOne® Cash Rewards Credit Card is available for consumers with fair/average credit who are looking for a solid rewards program. This card comes with unlimited 1.5% cash back on every purchase, every day, which is an excellent rewards rate for a card that doesn't require excellent or good credit to get approved. Your cash back won't expire for the life of the account and can be redeemed at any time and for any amount.

In interest rate on this credit card is 26.74% (Variable) which is pretty high, but thats normal for credit cards for fair credit. One unique feature of the Capital One® QuicksilverOne® Cash Rewards Credit Card is that comes with no balance transfer fee.

The Capital One® QuicksilverOne® Cash Rewards Credit Card has an annual fee of just $39, which is pretty reasonable when you consider all the benefits that come with it. Overall, this is an great offer for consumers in the fair credit range.

Expert Reviews of the Capital One® QuicksilverOne® Cash Rewards Credit Card

  • 3.5

    Regular APR

  • 3.0

    Intro APR

  • 4.0


  • 3.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

The Capital One® QuicksilverOne® Cash Rewards Credit Card is a great option for those with average/fair credit. Most cards for average credit are bleak in their benefits and reward offerings, but not this one.

The Good

With 1.5% cash back on all purchases and no balance transfer fee, this is a fantastic card for consumers with average credit.

The Not so Good

There’s a small $39 annual fee attached, but you can easily make that up with the rewards you earn.

Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Capital One.

Consumer Reviews

  • star rating mask

Offer Rating


14 Total Ratings

5 Star
4 Star
3 Star
2 Star
1 Star

Your Rating

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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+6 users submitted a rating without a full review

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177 Found this review helpful

By: | Sep 11, 2016

this card is great. started with a $3000.00 credit line and kept it in good standing, paying it off every time. Now, this card is worth $6000.00, HELLO! thanks Capital One, i will keep this card in Great standing.

172 Found this review helpful

By: | Aug 29, 2016

They gave me a $3,000 limit right off the bat after Chase had turned me down. I'm 5 years post chapter 13 bankruptcy that is now paid off and the only card I've been had during that time was a secured Visa for car rentals and such. I was pleasantly surprised that they gave me that much. It will be interesting to see if they give me an increase after 5 months and how much.

169 Found this review helpful

By: | May 3, 2016

Great first time card... I made more than the payment amount every month and received a great increase.

176 Found this review helpful

By: | Jul 10, 2015

The card is great. Have had it 14 months, pay in full each month. I did get a limit raise, but not what i was told. I was turned down when i asked. I have another secured card with cap one too. I keep both paid off. When capital one turned me down on my limit, i had Discover and Wal Mart give me cards with a higher limit. I keep a 0 balance and have for 28 months with capital one. Great card, but not great on raising your limit. I wish capital one would raise my limit and i would only use the quick silver. Good card, but i dont like going over the 30% line. I wish others better luck with capital one then me. I have spent over 15k in payments and told not been with long enough. I love the cash back, but i like getting my credit back better.

185 Found this review helpful

By: | Mar 21, 2015

I gave this card and company 5 stars because they do what they say they are going to do. For example, I was told I would get a credit increase if I made payments on time for 6 months. I did. I actually paid more than my balance and they increased my credit by 3 x the amount they originally promised. I really like Capital One!

1 Reply

By: Bill Hicks | Aug 27, 2015

I received mine in April and it was increased twice as much as I thought they would, I'm with You, I really like Capital One!

171 Found this review helpful

By: | Nov 9, 2014

I love it, with an average score of 650? This cards does wonders for me, in matter of fact Capital One does more wondesr then, just..... this card only!

159 Found this review helpful

By: | Oct 8, 2014

I like the fact that they have added the cash back rewards option, but I don't like the high interest rate and that it takes a lot of time in order to increase the limit. The only reason I really started using it was for the rewards aspect.

177 Found this review helpful

By: | Oct 8, 2014

This the best card for cash back for people with average credit. It is easy to get and your credit limit can increase after making your first five payments on time. Getting your rewards is incredibly easy too, just click a few times and it is automatically credited to your account within a few days. Great card!

1 Reply

By: Donald William Iannotti | Nov 21, 2014

I so agree with you!

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