Advertiser Disclosure
Many of the offers that appear on this site are from companies from which The Motley Fool receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear) and may influence which products we write about, but our product ratings are not influenced by compensation. We do not include all companies or offers available in the marketplace.
Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.
The Capital One QuicksilverOne Cash Rewards Credit Card (see rates and fees) bridges the gap for people with limited credit histories who want to earn credit card rewards. The unlimited cash back benefits of this card can quickly pay for the small annual fee. Our in-depth Capital One QuicksilverOne Cash Rewards Credit Card review highlights the pros and cons of this credit card so you can learn if it suits your needs.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Credit Score:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Fair (300-669)
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Fair (300-669)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
29.74% (Variable)
Rewards
Earn unlimited 1.5% cash back on every purchase, every day. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply.
1.5%-5% cash back
Annual Fee
$39
Welcome Offer
N/A
N/A
Getting 1.5% back on every purchase couldn't be easier — and it makes this Capital One card a standout for those who want to improve their credit with responsible use and still earn rewards. You can even sign up to have your cash back redeemed as a statement credit automatically, saving you money every month. Note that it comes with an annual fee of $39, though. Check out this card to simplify your life.
Solid cash back rate
No foreign transaction fee
Flexible credit score requirements
Annual fee
No sign-up bonus
No intro APR offer
Earn unlimited 1.5% cash back on every purchase, every day
No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
Be automatically considered for a higher credit line in as little as 6 months
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Help strengthen your credit for the future with responsible card use
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Credit card comparison
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Best for cash back on rotating categories
Discover will match all the cash back you’ve earned at the end of your first year.
1% - 5% Cashback
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Best for cash rewards on everyday spending
$200 cash rewards
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
2% cash rewards
Earn unlimited 2% cash rewards on purchases.
Intro:
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 12 months from account opening
Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Best for unlimited rewards on purchases
25,000 points
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
1.5-3 points per dollar
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
Intro:
0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Balance transfers
may not be used to pay any account provided by Bank of America.
Purchases: 0% Intro APR for 15 billing cycles for purchases
Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
This credit card is a good fit for: Rewards seekers who want a cash back card to use while building or rebuilding credit.
Top perks
Unlimited 1.5% cash back on purchases
We like the flexibility and simplicity of flat cash back programs for people building credit that don't require cardholders to manually opt in to quarterly bonus categories. Debt is an all-too-common outcome for many credit card users, so simplicity wins. (See rates and fees.)
Flexible cash back redemption
Not only is the Capital One QuicksilverOne Cash Rewards Credit Card's cash back rate high, but redemptions are flexible. Statement credits can be requested with no minimum, whereas many cards slap a $25 minimum on cash redemptions. Cardholders can also have their rewards automatically redeemed for statement credits monthly, which is another attractive feature.
No foreign transaction fees
Pesky foreign transaction fees can quickly add up when using credit cards for purchases abroad. Besides, we're all a bit looser with our wallets while on vacation. Fortunately, this card has nixed the typical 3% foreign transaction fee many card issuers charge. That's a savings of $60 on $2,000 worth of international spending!
What could be improved
High APR
Cardholders with tarnished -- or no -- credit histories won't receive the best interest rates on the market. This card is no exception, charging a high 29.74% (Variable) APR.
Annual fee
Part of the price paid for perks like 1.5% cash back is a $39 annual fee. (See rates and fees.) Granted, it's a small fee, but cardholders are essentially being incentivized to spend to offset the annual fee with cash back rewards. We’d prefer no annual fee and less of an incentive for cardholders to run up balances.
Find the best credit card for your needs
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
You'll need a credit score that's at least fair -- a FICO® Score of 580 or higher -- to have a good shot at qualifying for this card. Since it's designed for people building or rebuilding credit, the credit requirements for the Capital One QuicksilverOne Cash Rewards Credit Card are lower than your typical cash back credit card, but that doesn't mean the issuer will approve everyone.
The Capital One QuicksilverOne is right for you if:
The Capital One QuicksilverOne Cash Rewards Credit Card is a good option for the right type of cardholder. We'd prefer no annual fee and a lower APR, especially for people either building their credit histories or spending minimally. But for cardholders who pay off their balances each month and who want the utmost simplicity and flexibility with rewards, the Capital One QuicksilverOne Cash Rewards Credit Card is a solid pick to consider.
At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.
FAQs
No, the Capital One QuicksilverOne Cash Rewards Credit Card is only available in plastic.
Possibly. Paying your Capital One QuicksilverOne Cash Rewards Credit Card on time each month and keeping your debt-to-income (DTI) ratio low can enhance your overall credit profile. Once you've built a history of paying on time and have raised your credit score, it's possible to apply for a card that provides more of what you're looking for.
Share This Page
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
Terms may apply to offers listed on this page.
Discover Financial Services is an advertising partner of Motley Fool Money. John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. Elizabeth Aldrich has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Amazon, PayPal, Target, and Uber Technologies. The Motley Fool recommends Discover Financial Services and recommends the following options: long January 2027 $42.50 calls on PayPal and short March 2025 $85 calls on PayPal. The Motley Fool has a disclosure policy.
The Motley Fool owns shares of and recommends Visa.
Motley Fool Money is a Motley Fool service that rates and reviews essential products for your everyday money matters.
