4.2 / 5
- Welcome
- 50,000 points
- Annual fee
- $0
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Capital One · rewards
Capital One QuicksilverOne Cash Rewards Credit Card
3.6 / 5
Cash back · Personal card
QuicksilverOne trades a welcome bonus for accessibility: flat 1.5% cash back with no categories, aimed at fair-credit borrowers working to qualify for better cards. The $39 fee is the cost of admission, and automatic credit line reviews give you a real path upward.
At a glance
- Welcome bonus
- No welcome bonus
- No spend requirement
- Annual fee
- $39
- Year-one and ongoing
- Purchase APR
- 28.99%
- No intro APR
- FX fee
- None
Editorial
Our take
QuicksilverOne trades a welcome bonus for accessibility: flat 1.5% cash back with no categories, aimed at fair-credit borrowers working to qualify for better cards. The $39 fee is the cost of admission, and automatic credit line reviews give you a real path upward.
Verdict
Pros & cons
Pros
- Flat 1.5% cash back on everything
- No foreign transaction fees
- Automatic credit line reviews after 6 months
Cons
- $39 annual fee
- No welcome bonus
- Single 28.99% APR with no intro offer
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| All other purchases | 1.5% | Flat unlimited 1.5% cash back on every purchase, no bonus categories. |
Benefits
Key benefits
Flat 1.5% Cash Back
Earn unlimited 1.5% cash back on every purchase with no rotating categories to track.
Automatic Credit Line Reviews
Capital One reviews your account for a higher credit line starting at 6 months.
No Foreign Transaction Fees
Use the card abroad without paying a foreign transaction fee.
Free Credit Monitoring
CreditWise gives you free access to your credit score and monitoring alerts.
Fit
Who this is best for
- Building credit history
- Simple flat-rate cash back
- Capital One upgrade path
FAQ
Frequently asked questions
What is the Capital One QuicksilverOne welcome bonus?
This card does not offer a welcome bonus.
Does the Capital One QuicksilverOne charge an annual fee?
Yes. The annual fee is $39 every year.
Does the Capital One QuicksilverOne have a foreign transaction fee?
No. The Capital One QuicksilverOne charges no foreign transaction fee, so it works well for international purchases.
What APR does the Capital One QuicksilverOne charge?
The purchase APR is 28.99% variable.
Who is the Capital One QuicksilverOne best for?
Building credit history. Simple flat-rate cash back. Capital One upgrade path.
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Capital One QuicksilverOne Cash Rewards Credit Card
No spend requirement
Rates accurate as of October 6, 2026. Issuer terms.