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

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Jarrod West
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Jarrod West

Senior Content Contributor

490 Published Articles 1 Edited Article

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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Edited by: Michael Y. Park
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Michael Y. Park

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Michael Y. Park is a journalist living in New York City. He’s traveled through Afghanistan disguised as a Hazara Shi’ite, slept with polar bears on the Canadian tundra, picnicked with the king and que...
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Kellie Jez

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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
Terms Apply / Rates & Fees

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.
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Learn More(at Capital One's secure site)
  • None

  • $39

  • 29.99% (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.
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Learn More(at Capital One's secure site)
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 just paying your bill on time every month and you’ll earn an unlimited 1.5% cash-back on all of your purchases.

Card Details

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
  • 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

Customer Service Number

800-227-4825

Pros & Cons

Pros

  • 1.5% cash-back on all purchases
  • Automatic credit line review after 6 months of on-time payments
  • Unlimited access to your credit score via CreditWise
  • No foreign transaction fees (rates & fees)

Cons

Upgraded Points: Expertise You Can Trust

Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.

  • Content by Leading Industry Experts
  • Routine Updates and Fact-Checks
  • First-Hand Credit Card Experience
  • Shared Across 200+ Top Outlets
  • Methodical “U.P. Rating” System
  • 1090+ Expert Credit Card Guides

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.

The information regarding the Citi Double Cash® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

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

Both cards have a lot of similarities, such as their 1.5% cash-back rate and redemption options.

The main differences are that the Capital One Quicksilver cardInformation collected independently. Not reviewed by Capital One. is tailored toward those with more established credit, does not charge an annual fee (rates & fees), comes with a welcome bonus offer, and has a 0% intro APR on purchases and balance transfers for 15 months; 19.49% - 29.49% variable APR after that; balance transfer fee applies (rates & fees).

The Capital One QuicksilverOne card does not offer a welcome bonus offer or intro APR offer and charges a $39 annual fee (rates & fees).

How do I earn cash-back with the Capital One 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 because of the low value you’d receive.

When does my Capital One QuicksilverOne card cash-back expire?

Your rewards never expire as long as your account is active and in good standing.

What is the Capital One QuicksilverOne card annual fee?

The annual fee for the card is $39 (rates & fees).

Do I have to pay foreign transaction fees when I use the Capital One QuicksilverOne card?

No. The Capital One QuicksilverOne card does not charge foreign transaction fees (rates & fees).

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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