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Capital One QuicksilverOne Cash Rewards Card — Full Review [2026]
Jarrod West
Jarrod West
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Capital One QuicksilverOne Cash Rewards Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3
None
$39
Purchases: 28.99% Variable
Fair to Good (580-739)
Capital One QuicksilverOne Cash Rewards Card
Unlimited 1.5% cash-back on all purchases while you work your way up to a higher credit line. Redeem rewards for any amount at any time.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3
Summary
If you’re looking to build your credit and earn cash-back rewards while doing so, then the Capital One QuicksilverOne Cash Rewards Credit Card is a fantastic option. You can increase your credit line by just paying your bill on time every month, and you’ll earn an unlimited 1.5% cash-back on all of your purchases, plus unlimited 3% cash-back on groceries and gas if you have the Discover version of the card.
Card Details
Card Snapshot
Welcome Bonus & Info
Earn unlimited 1.5% cash back on every purchase, every day
Earn unlimited 3% cash-back on grocery store and gas station purchases (only with the Discover network version of the card)
No rotating categories or limits to how much you can earn, and cash back doesn’t expire for the life of the account. It’s that simple
Be automatically considered for a higher credit line in as little as 6 months
Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
Help strengthen your credit for the future with responsible card use
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Monitor your credit score with CreditWise from Capital One. It’s free for everyone
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
3% cash-back on grocery store and gas station purchases (only with the Discover version of the card)
Automatic credit line review after 6 months of on-time payments
Unlimited access to your credit score via CreditWise
No foreign transaction fees
Cons
$39 annual fee
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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.
You don’t want a card that uses the Discover network.
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 Cash Rewards CardInformation collected independently. Not reviewed by Capital One. could be very worth it for you.
Both the Mastercard and Discover versions of the Capital One QuicksilverOne card earn 1.5% cash-back on all purchases. However, the Discover version has a bonus category of grocery stores and gas stations that earns unlimited 3% cash-back.
The Capital One QuicksilverOne card 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. Take note, though, that if you plan to travel internationally often, the Discover network is not as widely accepted, so that card version may not be a good choice for you.
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. If you have the Discover version of the card, prioritize using it at grocery stores and gas stations to earn unlimited 3% cash-back. 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 a 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
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 18.24% - 27.74% It also offers rental car insurance, purchase protection, and trip cancellation and interruption insurance, all for a $0 annual fee.
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 17.49% to 27.49%. You also receive a nice welcome bonus offer, flexible redemption options, and more.
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