Capital One QuicksilverOne Cash Rewards Card — Full Review [2024]

Great Card If

• You want a cash-back card.
• You’re building your credit history.
• You don’t want to keep track of spending categories.

Don’t Get If

• You want a card that offers bonus categories.
• You want to earn travel rewards.

Capital One QuicksilverOne Card: Is It Worth It?

If you’re just starting the process of building your credit history but still want to earn cash-back rewards, then the Capital One QuicksilverOne card could be very worth it for you.

Not only does the card earn 1.5% cash-back on all purchases, it also offers great credit builder tools like unlimited access to your credit score and automatically considers you for a higher credit line in as little as 6 months.

Capital One QuicksilverOne Card Top Benefits and Perks

The Capital One QuicksilverOne card comes with a handful of rewarding perks including:

• Automatic credit line review: You’re eligible for a credit line increase after 6 months of on-time payments.
• Access to Capital One Offers: Earn additional cash-back and statement credits with select merchants thanks to the monthly collection of Capital One Offers.
• No foreign transaction fees: Freely use your card overseas without incurring additional fees (rates & fees).
• 50% off beverages at Capital One Cafes: Cardholders enjoy 50% off all handcrafted beverages at any Capital One Café nationwide.

Best Way To Earn and Redeem Cash-Back Rewards

The best way to earn as much cash-back as possible with your Capital One QuicksilverOne card is to use it for as many purchases as you can to rack up 1.5% cash-back on these purchases. Of course, you should also want to make use of Capital One Offers and the Capital One shopping portal to earn extra cash-back.

You can redeem your cash-back at any time, either as statement credit or in the form of a check. Capital One also allows you to redeem your cash-back rewards as a gift card with select merchants.

Alternative Cards to the Capital One QuicksilverOne Card

Chase Freedom Unlimited^®

If you’re looking for a great starter credit card that earns cash-back rewards, the Freedom Unlimited card is an excellent option. With it, you earn 5% back on travel purchased through Chase Travel, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

The card offers a 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%. It also offers rental car insurance, purchase protection, and trip cancellation and interruption insurance, all for a $0 annual fee.

Citi Double Cash^® Card

The Citi Double Cash card is easily one of the best cash-back cards on the market thanks to its uncapped 2% back on all purchases, 1% back when you buy, and 1% back as you pay. Plus, it also has a $0 annual fee.

The card offers a 0% intro APR on balance transfers for 18 months. After that, the variable APR will be 18.49% to 28.49%. You also receive a nice welcome bonus offer, flexible redemption options, and more.

For Capital One products listed on this page, some of the benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.