Capital One® QuicksilverOne® Rewards

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on Capital One's secure website.
  • Unlimited 1.5% Cash Back
  • No rotating categories to keep track of; earn cash back on every purchases
  • Redeem cash back for any amount, anytime
  • Great for people with Fair credit
  • Credit Needed: Fair, Good, Excellent
  • View Terms

Why We Like It

The Capital One® QuicksilverOne® Cash Rewards Credit Card is a smart, no-frills rewards card that offers 1.5% cash back on every purchase, every day. There is no limit on the amount of cash back you can earn.

If you have Fair (Average) credit and won't be approved for other rewards cards, the Capital One® QuicksilverOne® Cash Rewards Credit Card could be a great choice for you.

Redeem cash back at any time, in any amount, unlike some cards that have restrictions. Cash back rewards that never expire and are simple to redeem. 


We recommend you have Fair to Excellent (650 - 850) credit before applying for this card.

With no rotating categories or sign-ups required to earn cash rewards, the ease and simplicity of this card makes it a smart choice. It's low $39 annual fee could quickly be covered by the cash back you earn depending on your spending.

If you spend $500 a month, you'll accumulate $90 cash back every year.

You can get access to a higher credit line after making your first 5 monthly payments on time which could help you build your credit.

Additional benefits

QuicksilverOne® comes with both Capital One® benefits and Platinum MasterCard® benefits including:

  • Price Protection: if make a purchase and find a lower price advertised within 60 days, be reimbursed the difference
  • Choose your own monthly due date
  • Travel Assistance Services: if your credit card is lost or stolen, get an emergency replacement card and a cash advance
  • Auto Rental Insurance: coverage for damage due to collision or theft
  • Extended Warranty: double the original manufacturer warranty up to a maximum of twelve (12) months
  • Travel Accident Insurance
  • Fraud Coverage
  • 24/7 Customer Service
  • Integration with Apple Pay®

Card Details

Intro Purchase APR N/A
Intro Balance Transfer APR N/A
Foreign Transaction Fee 0%
Annual Fee $39
Rewards Rate 1.5% Unlimited Cash Back
Rewards Rate Details Cash back is redeemed via statement credit or a check
Credit Needed Fair, Good, Excellent

Editorial Disclosure

Opinions expressed here are author's alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Thoughts from Actual Users

"My card is a great fit for me because it gave me a fresh start." - Lacy O. of Raleigh, NC

"With 1.5% back I use this card for everything from gas and groceries to major purchases. Everything is on sale by 1.5%! I just pay off the balance through the Capital One app on my phone bi-weekly." - John P. of Lincoln, NE

"I have been more pleased with my CapOne QuickSilverOne card than any other credit card I've ever had. My other reward cards are only redeemable after a certain point, I like that I can redeem my CapOne rewards at anytime. I know what I have in my wallet and it's CapOne." - Brodie D. of Pasadena, CA

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