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Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business...
Juan has been involved in credit cards, loyalty, travel, and personal finance for more than 10 years. He has worked for several outlets including The Points Guy and Forbes and was previously Editor-in...
Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...
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Capital One QuicksilverOne Cash Rewards Credit Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
4
None
$39
30.74% (Variable)
Fair to Good (580-739)
Capital One QuicksilverOne Cash Rewards Credit 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 in's and out's 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.
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 just paying your bill on time every month and you’ll earn an unlimited 1.5% cash-back on all of your purchases.
Card Snapshot
Welcome Bonus & Info
Earn unlimited 1.5% cash back on every purchase, every day
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
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
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
You don’t want to keep track of spending categories
Don’t Get If
You have excellent credit
You want to earn travel rewards
Welcome Offer and Cash-Back Earning Rate
The QuicksilverOne card is for those who want to build their credit. It does not typically have a welcome offer.
You earn unlimited 1.5% cash-back on all purchases.
After making your first 6 monthly payments on time, you can receive access to a higher credit line.
Capital One and Platinum Mastercard Perks
The QuicksilverOne card comes with a ton of travel, shopping, and account management perks from Capital One and Platinum Mastercard.
For instance, receive 24-hour travel assistance, roadside assistance, and travel accident insurance when you use the card. Also, you can register for ID theft alerts and price protection.
Of course, these are just a few of the benefits available to cardholders. We will explore more of these in the sections below.
Best Way To Redeem Cash Rewards
You can request cash-back at any time, either as statement credit or in the form of a check. Additionally, you can even set a specific redemption threshold to receive your cash-back automatically when it reaches $25, $50, $100, or $200.
Another option is to select a date on the calendar to receive your cash-back. To set up a redemption schedule, go to capitalone.com or call the Rewards Center.
After setting these up, you’ll still be able to request cash-back when you want to. If you want to change your automatic redemption schedule, you can of course do that, too.
Other Redemptions
You can redeem cash-back earned with the QuicksilverOne card for merchandise or gift cards by visiting capitalone.com or calling the Rewards Center.
However, we don’t recommend this because the value decreases considerably when you choose any redemption option other than cash-back.
Also, when your eligible card is linked to PayPal, you can checkout with PayPal and redeem your cash-back at a rate of $1 to $1.
Best Way To Maximize Cash Rewards
Because it’s a cash-back card, the more purchases you make with the QuicksilverOne card, the more value it will provide. Beyond that, we also put together a list of some extra tips to help you get the most out of the card.
Quick Earning Tips
Because it’s a cash-back card, the more purchases you make with the QuicksilverOne card, the more value it will provide.
Beyond that, we also put together a list of some extra tips to help you get the most out of the card.
Tip #1: If you’re just using this card, put as many expenses on it as possible.
On the other hand, if your strategy is to combine cards, use the QuicksilverOne card to earn 1.5% when your other options provide a lower earning percentage.
Tip #2: Don’t leave cash-back on the table. Always pay your bill on time, or you risk losing your cash-back for that billing cycle. Plus, you may be able to increase your credit line when you make your first 5 payments on time.
Tip #3: You won’t accrue any foreign transaction fees with the card. Take advantage of this benefit and use the card for all international travel.
An added perk? The card has an EMV chip, which will make your transactions abroad hassle-free.
Tip #4: In some cases, you can transfer Capital One cash-back rewards between accounts. Putting all of your cash-back on one card may be beneficial.
Alternative Cards to the QuicksilverOne Card
Overall, earning and redeeming cash-back with the card could not be easier. It’s a straight 1.5% cash-back on all purchases, so you don’t have to keep track of spending categories.
However, you also can’t get more than 1.5% cash-back for any purchases, which may not be ideal for every cardholder.
For example, with the Blue Cash Everyday® Card from American Express, you earn 3% cash-back on U.S. supermarket purchases up to $6,000, plus an unlimited 2% cash-back on U.S. gas station and U.S. department store purchases. Everything else will get you 1%.
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
$0
0% intro APR on purchases for 15 months; then 19.24%-29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.
Pros
3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.
Monthly credit towards The Disney Bundle
Monthly credit towards Home Chef
Cons
Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
Terms Apply.
Financial Snapshot
APR: 0% intro APR on purchases for 15 months; then 19.24%-29.99% Variable
Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars
So, it’s a tradeoff. You have to keep track of categories and maximums, but you have more earning potential.
Another card that earns a straight 1.5% cash-back is the Chase Freedom Unlimited®. It doesn’t have an annual fee, and typically offers a welcome bonus.
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
SPECIAL OFFER: Unlimited Matched Cash Back. Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn.
Matched Cash Back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
Pros
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
5% back on travel purchased through Chase Ultimate Rewards
3% back on dining and drugstore purchases
1.5% back on all other purchases
No annual fee
Earn big on travel purchased through Chase Ultimate Rewards
Everyday bonus on dining and drugstores
Straightforward cash-back on all other purchases
Ability to pool points
Cons
3% foreign transaction fee
SPECIAL OFFER: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match.
Unlimited 1.5% cash back is just the beginning of what you can earn. You’ll enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24%.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Member FDIC
Financial Snapshot
APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
The only issue with these alternatives is that you may need better-than-average credit to qualify. If that’s not you quite yet, then the QuicksilverOne card provides an opportunity to build your credit by proving your creditworthiness 1 month at a time.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
For rates and fees of the Blue Cash Everyday® from American Express, click here.
Frequently Asked Questions
Why should I sign up for the QuicksilverOne card?
This is a cash-back credit card targeted to those with average credit. It carries an annual fee of $39.
Additionally, the card provides a ton of Capital One and Platinum Mastercard shopping, travel, and insurance perks.
Also, make your first 5 payments on time and receive access to an increased credit line.
How do I earn cash-back with the QuicksilverOne card?
Earn 1.5% cash-back on all purchases you make with the card. There is no limit to the amount of cash-back you can earn.
Then, redeem cash-back for a check or statement credit. While you can also redeem for gift cards and merchandise, we don’t recommend this due to the low value you receive.
When does my QuicksilverOne card cash-back expire?
Your rewards will never expire as long as your account is active.
What is the QuicksilverOne card annual fee?
The annual fee for the card is $39.
Who are the QuicksilverOne card partners?
There are no partners in the sense of most rewards cards.
Do I have to pay foreign transaction fees when I use the QuicksilverOne card?
No. There are no foreign transaction fees with the card.
Does the QuicksilverOne card have a 0% APR offer?
See the card summary table for information about the current offer.
Which is better, the QuicksilverOne card or the Capital One Quicksilver Cash Rewards Credit Card?
The value of the cards is similar. However, the QuicksilverOne card is targeted to those with average credit, while the Quicksilver card is for those with excellent credit.
Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business, The New York Times, and more.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
