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Capital One QuicksilverOne Cash Rewards Credit Card

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(2.4) Rating
Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Capital One QuicksilverOne Cash Rewards Credit Card

Earn 1.5% cash back with no foreign transaction fees. This card is aimed at those with limited or fair credit who cannot qualify for the standard Quicksilver credit card due to their credit history.

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(2.4) Our Review
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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Capital One QuicksilverOne Cash Rewards Credit Card

Earn 1.5% cash back with no foreign transaction fees. This card is aimed at those with limited or fair credit who cannot qualify for the standard Quicksilver credit card due to their credit history.

BONUS OFFER

None at this time

💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd

Key facts

The Capital One QuicksilverOne earns 1.5% cash back on all purchases. The only exception is when you book hotels and rental cars at Capital One Travel, which earns 5% cash back.

Annual Fee:

$39

AVG Point Value:

$0.01 (Learn More)

Min. Credit Score for Approval:

580-669 * Fair

Ongoing APR:

29.99% Variable

Balance transfer fees

Balance Transfer Fee applies to balances transferred at a promotional rate

Foreign Transaction Fee:

0%

The Capital One QuicksilverOne is intended for consumers with fair credit.

Reward multipliers

Earn 1.5% cash back on all eligible purchases.

The only bonus category is 5% total cash back when you book hotels or rental cars booked via Capital One Travel.

Earns bonus points for spend in the following bonus categories:

When booked via Capital One Travel; otherwise earn 1.5X

5x
Car Rentals

Estimated Rewards Value: 5%

When booked via Capital One Travel; otherwise earn 1.5X

5x
Hotels

Estimated Rewards Value: 5%

1.5x
Everything Else

Estimated Rewards Value: 1.5%

ALREADY HAVE THIS CARD?

Pair another card and boost your rewards

In some cases, adding cards from the same points system will increase your rewards by unlocking a higher point value based on the ability to transfer points to air or hotel partners. In other cases, the cards simply work together to earn more points with one bank or diversify your bonus category rewards across banks.

Key features

1

Unique Card Benefits

Uber Benefits

You’ll get a complimentary 6 months of Uber One membership (must be used by 11/14/2024) with your Capital One QuicksilverOne.

Capital One Dining

Get access to exclusive reservations at restaurants plus access to tickets for culinary experiences.

Capital One Mobile App

Check your balances and more on the go, with the Capital One Mobile App

Complimentary Concierge Service

Access to personal assistance with your dining, entertainment and travel needs, 24/7.

2

Extended Warranty

With the included Extended Warranty protection, you’ll receive up to 1 additional year on eligible purchases with manufacturer warranties of 3 years or less with your Capital One QuicksilverOne Cash Rewards credit card.

3

No Foreign Transaction Fees

There are no foreign transaction fees with the Capital One QuicksilverOne credit card.

4

Trip Protections

The Capital One QuicksilverOne Cash Rewards credit card doesn’t offer trip protections like Trip Delay or Trip Cancellation, but it does include Travel Accident Insurance for a covered loss at no extra cost when you use your card to purchase your fare.

5

Free Access to Credit Score

You’ll be able to keep tabs on your credit using Capital One’s Creditwise service.

Earn more rewards by combining credit cards

Capital One QuicksilverOne Cash Rewards Credit Card
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See how much more you'll earn in rewards when you combine these two cards.
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Pros & cons

  • An easy 1.5% cash back on all purchases
  • No foreign transaction fee for international usage
  • 6 months of Complimentary Uber One as a statement credit, valid through 11/14/2024
  • No bonus categories outside of using Capital One portals for hotels and car rentals
  • $39 annual fee and no Early Spend bonus offer when you apply
  • 1.5% isn't the highest cash back offering on the market for everyday purchases

Capital One QuicksilverOne Cash Rewards Credit Card

Learn How To Apply

Our review

The Capital One QuicksilverOne Cash Rewards Credit Card is similar to the Capital One Quicksilver Cash Rewards Credit Card with a few main exceptions.

  • The Capital One QuicksilverOne Cash Rewards credit card requires a credit score of only around 600, while the The Capital One Quicksilver Cash is looking for a FICO around 700.
  • The Capital One QuicksilverOne does not offer any car rental CDW / LDW coverage.
  • The Capital One QuicksilverOne charges a $39 annual fee whereas the Quicksilver has no annual fee.
  • The Capital One QuicksilverOne Cash Rewards credit card does not have any introductory 0% APR offers or 0% intro balance transfers while the Quicksilver offers both.
  • The Quicksilver offers a higher credit line.
  • You can expect to be automatically considered for a credit limit increase for your Capital One QuicksilverOne Cash Rewards credit card after 6 months if you are making on-time payments.

With QuicksilverOne, you will never pay any foreign transaction fees, and you’ll earn 1.5% cash back on all eligible purchases. If you book travel via the Capital One Travel portal, you’ll earn 5% on hotels and rental cars (1.5% if booked outside of Capital One Travel).

You’ll also get 6 months of Uber One, which at $9.99 a month, is worth about $60.

uber-capital-one-quicksilverone-cash-rewards-credit-carduber-capital-one-quicksilverone-cash-rewards-credit-card-scaled

PRO TIP:

If you have another credit card which earns Capital One Miles, like the Venture X, Venture, VentureOne, or Spark Miles for Business, you can transfer your cash from your QuicksilverOne Cash Rewards credit card to those cards, where they become Capital One Miles – transferable to airline and hotel partners. $10 = 1,000 Miles.

Here’s a list of Capital One Miles airline and hotel transfer partners

Capital One Miles
Transfer RatioExpected Transfer Time
Air Canada (Aeroplan)1:1Instant
Air France / KLM Flying Blue1:1Instant
Avianca Lifemiles1:1Instant
Aeromexico1:1Instant
British Airways Avios1:1TBD
Cathay Pacific Asia Miles1:1Nearly instant
Choice Hotels1:11 day
Emirates Skywards1:1Instant
Etihad Guest1:11-2 days
Finnair1:1Instant
Qantas1:11-2 days
Singapore Airlines KrisFlyer1:11-2 days
TAP Air Portugal1:1TBD
Turkish Airlines Miles&Smiles1:1TBD
Wyndham Rewards Hotel Program1:1Instant
EVA2:1.51-2 days
Accor Live Limitless (ALL) Hotel Program2:11-2 days
Virgin Red1:1TBD

Frequently asked questions

1

Does the Capital One QuicksilverOne Cash Rewards credit card have an annual fee?

Yes, it has a $39 annual fee.

2

Does the QuicksilverOne Credit Card get you into airport lounges?

No, the QuicksilverOne card does not offer any airport lounge access. But we are here to help! You can find credit cards with airport lounge access here.

3

Do you need an Excellent Credit Score to get the Capital One QuicksilverOne Cash Rewards credit card?

No, you only need a credit score of around 600. The QuicksilverOne is intended for those who cannot qualify for the Quicksilver card, which requires a higher credit score of around 700.

4

How do I earn cash with the Capital One QuicksilverOne Cash Rewards credit card?

Earn 5% cash back on hotels and car rentals booked via Capital One Travel.

Earn 1.5% cash back on all other eligible purchases.

5

Does the Capital One QuicksilverOne Cash Rewards credit card charge foreign transaction fees?

No, the Capital One QuicksilverOne Cash Rewards Credit Card does not charge any foreign transaction fees – like any Capital One credit card!

6

Does the Capital One QuicksilverOne Cash Rewards credit card have car rental coverage?

No. While the regular Quicksilver credit card offers secondary CDW / LDW coverage, the QuicksilverOne does not.

7

Does the Capital One QuicksilverOne offer extended warranty?

Yes, you’ll get up to 1 additional year on eligible purchases with manufacturer warranties of 3 years or less with the QuicksilverOne credit card.

8

Does the Capital One QuicksilverOne Cash Rewards credit card offer purchase protection?

No, the Capital One QuicksilverOne card doesn’t offer purchase protection, but it does offer an extended warranty.

9

Does the Capital One QuicksilverOne Cash Rewards credit card offer trip protections?

No, the QuicksilverOne credit card doesn’t offer any trip protections, although it does come with Travel Accident Insurance when you use your card to pay your airfare.

10

What credit score do I need to get a Capital One QuicksilverOne Cash Rewards Credit Card?

With about a 600 FICO score or higher, you have a good chance of being approved for the QuicksilverOne.

11

Does the Capital One QuicksilverOne Cash Rewards Credit Card have Cell Phone Protection?

No, the QuicksilverOne does not have cell phone protection insurance.

12

What is the difference between the Capital One QuicksilverOne Cash Rewards Credit Card and the Capital One Quicksilver Cash Rewards Credit Card?

The primary difference is that the Capital One Quicksilver is offered to those with a significantly higher credit score than the QuicksilverOne. You’ll need about a 700 score for the Quicksilver and you’ll also be eligible for an Early Spend Bonus offer, 0% intro APR offers, and you won’t have an annual fee.

You’ll still earn 1.5% cash rewards.