Edited by: Juan Ruiz
& Kellie Jez
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Fair to Good (580-739)
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.
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.
(at Capital One's secure site)
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.
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.
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.
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.
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.
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.
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%.
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!
When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday® Card from American Express apart from the rest?
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.
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.
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
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.
With this card, you can redeem cash-back for statement credit or purchases in the Chase Ultimate Rewards travel portal.
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.
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.
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.
Your rewards will never expire as long as your account is active.
The annual fee for the card is $39.
There are no partners in the sense of most rewards cards.
No. There are no foreign transaction fees with the card.
See the card summary table for information about the current offer.