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
Statement credits
1- Cash 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
Perks & memberships
1- 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
Spotted something off? Report an issue. Read our verification methodology.
See the Current Offer
Earn
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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