Capital One QuicksilverOne Cash Rewards Credit Card
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferNo sign-up bonus. QuicksilverOne is positioned for fair-credit applicants building credit while earning a flat cash-back rate, and Capital One historically does not pair welcome offers with its credit-builder products.
Benefits and fees last verified Jun 2026against the issuer's published terms.
Earning Rates
Earning rates
3- 1.5%
Unlimited 1.5% cash back on every purchase, every day, with no rotating categories and no cap on rewards earned
- 5%lodging
5% cash back on hotels and rental cars booked through Capital One Travel (the issuer's in-house booking portal, which uses Hopper inventory)
- 1.5%
Most popular value play: bridge product for fair-credit applicants who want rewards while their score climbs; after roughly 18 to 24 months of on-time payments many cardholders qualify to upgrade or product-change to the no-annual-fee Quicksilver (also 1.5% cash back), at which point the $39 fee disappears while the rewards rate and account history are preserved
Perks & memberships
2- Points longevityCash back never expires for the life of the account and can be redeemed for any amount at any time as a statement credit, check, or to cover recent purchases
- No foreign feesNo foreign transaction fees on purchases made outside the U.S.
Travel & purchase protections
3- $0 fraud liability for unauthorized charges
- Eno, Capital One's virtual assistant: automatic merchant fraud alerts, free virtual card numbers for online purchases, subscription tracking, and free-trial expiration alerts
- Mastercard or Visa network (Capital One assigns the network at approval; both versions carry identical Capital One benefits, though network-level benefits like Mastercard ID Theft Protection or Visa Roadside Dispatch differ)
More benefits & fine print (6)ShowHide
- Automatically considered for a higher credit line in as little as 6 months of responsible use (on-time payments, low utilization), with no additional action required from the cardholder
- Targeted at applicants with fair or limited credit (FICO roughly 580 to 669, or limited credit history), making it one of the few cash-back cards approvable without an established prime credit profile
- Unsecured card: no security deposit required, unlike Quicksilver Secured
- Reports to all three major U.S. credit bureaus (Equifax, Experian, TransUnion) every month
- Free access to CreditWise for VantageScore tracking, dark-web monitoring, and Social Security Number alerts
- Apple Pay, Google Pay, and Samsung Pay support
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
How we verified this card (2 sources)ShowHide
Sources last reviewed May 2026.
Spotted something off? Report an issue. Read our verification methodology.
See the Current Offer
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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