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Whether you're at the beginning of your credit journey or looking to build credit, you may also want to earn rewards where you can. If this is the case for you, the Capital One QuicksilverOne Cash Rewards Credit Card is worth considering. This cash-back card earns simple cash-back rewards on every purchase with benefits to help you grow your credit score.
Keep reading to learn all there is to know about the Capital One QuicksilverOne.
- 5% cash back on purchases through Capital One Entertainment (through 12/31/2025)
- 1.5% cash back on every purchase.
Page Contents
- Capital One QuicksilverOne Pros
- Capital One QuicksilverOne Cons
- Capital One QuicksilverOne Welcome Offer
- Capital One QuicksilverOne Benefits
- Capital One QuicksilverOne Earning Rates
- Redeeming Rewards With the Capital One QuicksilverOne
- Application Restrictions
- Cards That Compete With the Capital One QuicksilverOne
- Bottom Line
Capital One QuicksilverOne Pros
- Annual fee of just $39 and no foreign transaction fees.
- Earn unlimited 1.5% cash back on every purchase.
- Available for those with at least a Fair credit rating.
Capital One QuicksilverOne Cons
- Other credit cards earn cash back at better rates.
- Credit cards with no annual fee can offer 1.5% cash back.
Capital One QuicksilverOne Welcome Offer
You won't find a traditional welcome offer on the Capital One QuicksilverOne. That means there's no lump sum of extra cash back after completing an introductory spending requirement.
If you're looking for that type of offer, consult our guide to the best cash-back credit cards for every budget.
Capital One QuicksilverOne Benefits
Unlimited 1.5% cash back
There are no restrictions on how much cash back you can earn with the Capital One QuicksilverOne. There also aren't any complicated bonus categories to keep track of. You'll earn an unlimited 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel.
CreditWise
With the Capital One QuicksilverOne, you'll get free access to CreditWise, a tool that tells you your credit score and how to improve it over time. Capital One will also automatically review your credit score to consider you for credit line increases periodically, which could increase your credit score by improving your utilization rate.
Related: Tips for Managing Your Credit Score
Fraud protection
This card comes with fraud protection benefits, including $0 fraud liability for unauthorized purchases made when your card is lost or stolen. You'll also receive security alerts if Capital One suspects any fraudulent transactions on your credit card account. Virtual card numbers keep your actual card number safe when shopping online, and you can lock your card on the Capital One mobile app if your card is ever lost, stolen, or misplaced.
5% cash back on hotels and rental cars
With the Capital One QuicksilverOne, you can book travel through Capital One Travel while earning an unlimited 5% cash back on hotels and rental cars booked through the portal. You can redeem your cash-back rewards or use your credit card to make travel purchases through the portal.
Capital One QuicksilverOne Earning Rates
The Capital One QuicksilverOne earns 1.5% cash back on every purchase. You'll also earn 5% cash back on hotels and rental cars booked with Capital One Travel. There's no limit to how much cash back you can earn or restrictions on specific categories, such as groceries or dining.
Additionally, your cash back never expires as long as your account is open.
The positive to this simplified earning structure is that you've got a great credit card for everyday spending. The downside is that other credit cards offer bonus categories in which you could earn at a higher rate, such as supermarkets or drugstores.
Redeeming Rewards With the Capital One QuicksilverOne
You can redeem cash back earned on the Capital One QuicksilverOne as cash, to cover recent purchases, or as gift cards. Cash redemptions are either received as a statement credit or a check in the mail. Statement credits will lower your account balance but don't count toward any minimum payment due. Gift card redemption rates may vary.
Application Restrictions
Even though this card only requires a Fair credit rating, it's important to know about Capital One's application restrictions before applying.
Capital One limits how many of its credit cards you can have at one time. You can have five cards, spread across the different card families (Venture, Quicksilver, and Savor cards) and can include one charge card. Capital One's business credit cards, though not included in the number of personal Capital One cards you can hold simultaneously, are counted differently and also may report to your personal credit report.
Capital One will likely pull your credit score from all three credit bureaus. You can access your credit reports for free each week at AnnualCreditReport.com to see what they look like before applying.
And finally, you won't be approved for more than one Capital One card every six months.
Cards That Compete With the Capital One QuicksilverOne
- 8% cash back on purchases made via the Capital One Entertainment ticketing platform
- 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
- 3% cash back on dining and entertainment
- 3% at grocery stores (excluding superstores like Walmart® and Target®)
- 3% on popular streaming services
- 1% on all other purchases
- 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
- 5% cash back on purchases through Capital One Entertainment (through 12/31/2025)
- 1.5% cash back on every purchase, every day
- Earn 5% on purchases through Chase Travel℠
- Earn 3% on dining at restaurants
- Earn 3% on drugstore purchases
- Earn 1.5% on all purchases
- If you want increased cash back earning rates in select categories, check out the Capital One Savor Cash Rewards Credit Card. You'll still earn 5% back on hotels and rental cars with Capital One Travel but also can earn 8% cash back on Capital One Entertainment purchases, and 3% back on dining, entertainment, grocery stores (excluding superstores like Walmart), and popular streaming services. You'll earn 1% back on all other purchases. Redemption options and cardholder benefits are similar, and there's no annual fee. Learn more in our Capital One Savor Cash Card review.
- If you want a cash-back card with a welcome offer, the Capital One Quicksilver Cash Rewards Credit Card is the card for you. New applicants can earn a $200 cash-back bonus after you spend $500 on purchases within 3 months from account opening. The card still earns an unlimited 1.5% cash back on every purchase, every day and 5% back on hotels and rental cars booked through Capital One Travel. There's no annual fee, and the card regularly features introductory APR offers. Our Capital One Quicksilver Card review has more details.
- If you want 1.5% cash back plus bonus categories, consider the Chase Freedom Unlimited®. You'll pay no annual fee and earn 1.5% on all other purchases cash back on everyday spending, plus 5% cash back in Chase's travel portal and 3% back on dining and drugstore purchases. You'll also enjoy a welcome bonus, no redemption minimums, credit monitoring services, and the ability to combine your rewards with several other Chase credit cards if you have them. Our Chase Freedom Unlimited review can tell you more.
Related: The Best Cash Back Credit Cards
Bottom Line
The Capital One QuicksilverOne is a cash-back card that earns an unlimited 1.5% cash back on every purchase. For those with a Good or Excellent credit score, other cards are available with similar or better earnings — many of which have no annual fee.
But the Capital One QuicksilverOne‘s benefits are in line with the target consumer: someone looking to build or repair credit. If that's you, this is a great card for earning rewards while building your credit score, given that it's available to applicants with just a Fair credit score.
- 5% cash back on purchases through Capital One Entertainment (through 12/31/2025)
- 1.5% cash back on every purchase.
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Freedom Unlimited® (Rates & Fees)
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