Capital One® QuicksilverOne® Cash Rewards Credit Card

Required Credit Score:
Limited History
2,375 reviews   Write a Review
Apply Now
at Capital One’s
secure site
Existing Cardholders
Change my rating to: Excellent

Capital One® QuicksilverOne® Cash Rewards Credit Card’s Rewards

Base Earn
Max Earn
Earn / Redeem Limit
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016

Capital One® QuicksilverOne® Cash Rewards Credit Card’s Key APRs & Fees

Purchase Intro APR
0% until September 2016
Transfer Intro APR
0% until September 2016
Regular APR
22.9% (V)
  • ANNUAL FEE $39

Capital One® QuicksilverOne® Cash Rewards Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • GRACE PERIOD   25 days
    22.9% (V)
    3% (min $10)
  • SMART CHIP   Yes, chip-and-signature
  • 0% intro APR on purchases until September 2016; 22.9% variable APR after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
  • Extended Warranty - automatically doubles the original manufacturer's/store's warranty on eligible purchases
Apply Now
at Capital One’s
secure site

Customer Questions and Answers

Don't see what you're looking for? Submit your question about Capital One® QuicksilverOne® Cash Rewards Credit Card to our community.

Is the $39 annual fee due before the card is activated?

Photo of Card H.
Aug 27, 2015
The annual fee is assessed when you activate your card.
4 Votes 8 4

This is a great card. The rewards are amazing. I earned cash back almost instantly after opening my account. At the time they were doing a promotion where you got money back that was extra just for spending money within more

4 Votes 6 2

How can I find the highest limit card for fair credit?

Photo of Card H.
Nov 13, 2015
Applicants who are approved for this card will get a credit line of at least $300, but Capital One does not disclose the maximum credit line or the spending limit one might expect based on a certain credit rating. It’s difficult to predict the credit line you will get approved for with any credit card, as issuers take a number of different factors into account, such as your income and existing debt obligations, in addition to your credit score.
2 Votes 4 2
Show More Questions

Customer Reviews

Share your insights and review the Capital One® QuicksilverOne® Cash Rewards Credit Card.

Your Rating
Delete Review

3.3 out of 5

2,375 reviews
Photo of Jay W.
Nov 24, 2015
This is hands down one of the best credit cards I have ever had and actually my preference when it comes to needing to use one. It is a great asset if you are looking into building up your credit and I literally have no complaints about it whatsoever. If you’re in need of a new credit card I couldn’t recommend this one enough.
Photo of Jennie Y.
Sep 27, 2015
This is one of my favorite cards to use, the rewards are just a straight 1.5% cash back on all purchases without limitations or miles to redeem. You can use the cash back to put towards your total balance, a specific purchase, or request a check back. The initial no interest term was great and really got me used to using the card for all my everyday purchases. I've been able to purchase a few special items for myself with the cash back rewards and have even used the cash back towards my payment during a month when things were tight.
The interest rate is pretty high but as long more
Photo of Jacoby G.
Sep 13, 2015
This was one of the first cards that I acquired when beginning to build my credit. The thing that was most interesting about this card was its initial No Interest term offering. I had already had a a Capital One Platunum card with a pretty low interest rate, so I was already pretty familiar with Capital One's inner workings. The rewards that I receive on this card are outstanding! I use it for pretty much everything and pay it off on a weekly basis. I've received regular credit limit increases every 6-8 months, and the few times that I've requested them.
Photo of Tonya A.
Aug 26, 2015
This is my very first credit card, I've had it for over a year. I got it to help me boost my credit some. It works great, managing it online is very easy, and it was easy to get. I have had no problems and would recommend to anyone starting out with credit cards!
Photo of Jorge Q.
Jun 25, 2015
i have this card and its great for starters. my limit right is for 1500. starts at 500 after six months get more. 1.5 cash back is cool. the only thing i do not like is the feel of the card.the card is to thin and it feel like it wont last to long if you use it to often. the mobile app is great pay you bill and chose your rewards. really easy to get if you get a letter in the mail take the offer
Photo of April G.
Apr 21, 2015
The Capital One Quicksilver Card is a great card for slow credit. I applied and got approved right away with a score under 600. I got an initial credit limit of $500 and thats not so bad. This card has rewards too, you cant beat that. Low APR and Interest rates are a plus. The more you spend the more rewards you earn. You get a credit line increase after the first 5 on time payments. Something to look forward to I cant wait. This card does have a small annual fee. You also get credit tracker with your card account as well. GREAT FOR STARTERS.
Photo of Julia K.
Apr 2, 2015
I really like the Capital One Quicksilver card for me. It's a visa so it's widely accepted everywhere, and it comes with a free credit report. And when I say free, I mean it's actually free. You simply click it from your account and bam, there's your number. I really love it's benefits too, there's no limit to how much you can earn, and it's for absolutely everything you buy. No more worrying about which categories you have to do each month. This way it doesn't drive you to spend more than you usually would simply to get the reward. And you can either have the cash applied to your more
Photo of George W.
Mar 22, 2015
Well, I just upgraded my Capital One platinum mastercard to the Quicksilver One credit card. I've already started to earn cash back! I'm impressed, and I'm glad I asked for the upgrade, it was worth it.
Photo of Rodney R.
Apr 25, 2015
For how long did you have your platinum mastercard before the upgrade?
Photo of Magnus H.
Mar 5, 2015
Good straight forward card with cashback and no foreign transactions fees!
Photo of Kevin B.
Feb 10, 2015
Good base cash rewards! Overall, a positive experience.
Photo of Lizzy C.
Jan 9, 2015
I really have had no problems with this credit card. I love that Capital One cards are Visa, because I find that is the most widely accepted credit card. I took this card with me when I went traveling and it was very hassle-free. I simply notified Capital One that I was leaving the country and for what time period. I enjoy being able to track my credit score, which is an added benefit of having this card also. I have the Quicksilver card with no annual fee, and I really enjoy the benefits with it. It is simple to cash my rewards in too.
Photo of Angel G.
Dec 21, 2014
This card, as well as the company, to have business with. I applied and was approved for a platinum mastercard in May, but was converted in October after five ontime payments, which was amazing, by the way, and I definitely plan on keeping up a good payment history to see if there are upgrades available in the future. I have had nothing but positive encounters with this company. Before I got this card, I have tried for two years to get approved for a capital one credit card, so I was ecstatic when I got the email saying that my new credit card was mailed. The people seem to take more
Photo of Kristy L.
Dec 9, 2014
Okay first off, there are TWO types of Quicksilver. One is for EXCELLENT (no annual fee) credit and the other is for FAIR ($39 annual fee) credit. Usually to be qualified you must be between 550-690 . i was at 620 with a $500 limit. Capital One is an amazing creditor! This card gives you cash back for all your purchases. You can redeem them back in credit use or receive it as a check. They INCREASE your limit after 5 consecutive ON-TIME payments. And the customer service is great! They answered my questions and helped set up my online account to use auto pay! I recommend it for a more
Photo of Topanga E.
Nov 18, 2014
I really enjoy my Capital One Quicksilver card. I use it for most of my purchases that are leisure. Its a really nice card and was easy to understand upon getting it. Signing up was also easy. The rewards are pretty good, and for the things I do with it its perfect for me. I would recommend this card to a friend any day. I think its a nice card that anyone can use and get the benefits from it. I suggest any and all check out this card. If its not for you right now then keep it in mind, because it may be right for you later.
Photo of Collin V.
Nov 10, 2014
I love my Capital One Quicksilver! I use it for all of my purchases, including my rent and utilities - I simply pay my balance each month and get a 1.5% discount on everything I buy. That's $15 back for every thousand I spend, which adds up. I've had the card since February, and I have already been awarded a higher credit limit than I started with on this card. I definitely recommend selecting this one, if you are in the market for a new card.
Photo of Sierra W.
Oct 24, 2014
Love this card. Signing up was easy as well as adding it to my current Capital One card account page. I signed up for this card for the rewards. Other Capital One options such as Journey did not offer as good of rewards, but did offer 6 months no interest. I quickly racked up points with this card which was I became very happy with. I was initially given more credit than my previous Capital One Card that I've had for 8 years and has the chance to be raised faster and for more than my previous card. That in itself makes this card better. The $39 fee with this more
Photo of Jesse H.
Oct 2, 2014
Love this card. Sign up was easy and convenient. Great cash back and credit limit can get raised.
Photo of Kym R.
Sep 30, 2014
I started out with a different version of this card but was eventually upgraded. I was not initially thrilled with the $39 annual fee to use the card but the rewards are really great. I use this card for nearly everything and then pay it off at the end of the statement cycle so I earn maximum rewards. Being able to choose how to receive your rewards is great as well - I personally have it set to go towards my statement once I hit $50. Also, my credit card information was stolen at one point and Capital One notified me immediately and it was handled with minimum hassle. I more
Photo of Dan S.
Sep 15, 2014
This card has been great so far. The sign up was easy and quick. It has a good cash back on everything. I have had no problems so far and my credit limit was raised on the card within 6 months.
Photo of AL D.
Aug 24, 2014
i had the QuickSilverOne MasterCard and i wasn't happy because of the $39 a year annual fee, to me that means this Card was costing me $3.25 each month for 12 months just to have it, so i called CAP ONE and i asked them to convert this Card to their JOURNEY VISA Card that has 1.25% Cash Back and NO annual fee even though i am NOT a Student and they did it, now the JOURNEY VISA Card Cost me nothing a Year, i also changed the Design of the JOURNEY VISA Card and now it doesn't say JOURNEY it says PLATINUM VISA Card and is Silver...
Photo of Karen C.
Aug 16, 2014
I really like the unrestricted cash back, however I'm not pleased with the high interest rate. But, I would recommend it as a good starter card for someone looking to build credit.
Photo of Marci D.
May 16, 2014
I personally love this Capital one Quiksilver one card. It is excepted almost anywhere that I travel. I have definitely been racking up major points lately. Getting rewards with this card is a lot easier than other cards that I've had experience with. I also noticed that customer service is always very helpful, even with the smallest of concerns.
Photo of Alicia B.
May 1, 2014
Absolutely love this card! I've had to contact customer service two times due to my confusion and they had been amazing and extremely helpful. I was also late one time and they graciously waived my late fee.
Photo of Snok T.
Apr 18, 2014
i love THIS CARD. It seems like they really care about the individual and their purchases when you use this card. The rewards options are great and I really have saved money using it. I'd highly recommend it!
Photo of Stacey W.
Apr 17, 2014
I have had some great success with this card. I happen to pay double my monthly payment and therefore, have had frequent credit increases which has helped us with larger home purchases.
Photo of Dan M.
Apr 4, 2014
I've had an excellent experience with the Capital One QuicksilverOne Cash Rewards card so far. I used the cash rewards for a $100 Barnes & Noble gift card that was delivered within a week after I traded in my rewards dollars. The design of the card is thin and sleek and has a good feel about it when used for daily purchases. Also, the 0% interest for 12 months really helped me out of a situation where I was being charged a very high amount of interest by another credit card, and I was able to transfer the balance over to this card and pay it down without any further more
Photo of Carlton P.
Mar 7, 2014
One of the best cash back cards out there. I use it for "big ticket" expenses to maximize rewards i.e. my car, my insurance payments. You can also get decent rewards by shopping through capital one. Interest rate is high, so make sure to pay the balance in full every month. A major improvement over the old card, with which you got 1% and had to wait a year for your.5% bonus. Attractive design, good issuer, 24/7 customer service. I strongly recommend this card.
Photo of SinDelle M.
Dec 30, 2013
I applied for this card soon after I turned 18. It helped me build positive credit and taught me a lot about managing my money. It is an excellent card and I recommend it to anybody who needs to build positive credit or who would like to teach their child how to manage their own money.
Photo of Whogoncheckmeboo G.
Dec 28, 2013
I applied for this card. I do not have any credit and I'd make a fair amount of money. After being advised that this was the card i should apply for I was declined due to no credit. If you do not have credit don't listen to them and do not apply.
Photo of AL D.
Aug 23, 2014
You should've applied for a Secured Credit Card, NOT this one...
Photo of Melodie G.
Jul 4, 2015
I applied for this card and the CO Platinum and was approved for both within minutes of each other. Had thin file, no collections or debt of any source. Approved for both $300 limits. Entered credit steps program 5 on time payment gives an great increase. Just received cards. Got them in 7 days. Have faith it is possible.
Photo of Tyler M.
Dec 11, 2013
I have the Capital One QuicksilverOne card and it is hands down my favorite card. I really love the cash back feature a lot way better than any other cards I have used in the past. I haven't had much problems with it in the past and if I ever did it was super easy to fix and customer service was really polite. I would recommend this card to any of my friends and family. It has made life a little be easier not having to worry about so much.
Photo of Suzanne C.
Nov 24, 2013
Capital One is my hero for my credit card concerns. When I was a student, making nothing to speak of, they offered me credit. Granted, it wasn't the best interest rate initially but that changed with time and effort. Capital One is awesome about reviewing credit for limit increases and lower interest rates, and their customer service is outstanding. I don't have the world's best credit but sometimes my payment history on this card is my saving grace, and I think it's awesome that this company can afford to take risks on individuals like myself. Sometimes it pays off for both parties! I would (and have) recommended Capital One to more
Photo of Ava D.
Mar 31, 2014
That's great that they're reasonable about limit increases and lowering interest. This has helped me in my decision to upgrade to this credit card, and I want one that will be beneficial for me in the long run. I wonder if you'd have any tips on how to go about requesting those changes? How long did you have the card before making those requests?
Photo of Jennifer F.
Nov 11, 2013
My card is the Capital One QuicksilverOne Cash Rewards Credit Card. I think this card is absolutely fantastic. I was a college student with absolutely no credit, and really needed to find a card that would help me establish my credit in order to be successful in the future. Well, my problems were solved when I stumbled upon this amazing card. I do pay an annual fee of $39, however, but there is no limit on the cash back that I can earn, and it has really helped me to build a decent credit score, which is what I wanted to accomplish in the first place.
Photo of Richard A.
Nov 4, 2013
I got this card after finishing college and has been very useful to me so far. It's cash back works on 100% of purchases, not just certain specific uses like gas or groceries so I end up getting a lot more cash back than my previous cards. There is also limit on the total you can get back.
Photo of Bryant J.
Oct 17, 2013
My girlfriend utilizes this card, and I absolutely love it! There are a lot of cards that offer cash back out there, but they offer strange category setups. For example, you might earn 2% back on gas purchases, 1% back on food purchases, etc. I love that this card offer a flat 1.5% for everything. It may not be as high as the categories on some other cards, but it is at least consistent. The rates are a little high, but let's be honest, what card doesn't have high rates? We pay off the balance every month anyways, so no matter. I would definitely recommend this card to others looking more
Photo of Ryan W.
Oct 10, 2013
The cash back on this card is awesome. Getting 1.5% back on everything you spend might not seem like a lot, but it very quickly adds up and really helps for a college student like myself. The only real downside to this card is the APR is a bit high, but it's nothing I really have a problem with. I actually lost my card on a trip to Germany (fell out of my pocket in the terminal I found out later) and called Capital One to get a replacement. I received a replacement card, in Germany, within 48 hours. I could not be more satisfied with both the customer service more
Photo of Corrina H.
Sep 12, 2013
In my opinion the Capital One QuicksilverOne Cash Rewards card is the best rewards credit card on the market right now. It earns an unlimited 1.5% cash back on every purchase, and the cash back you earn never expires. It also has a low APR. The regular interest rate for purchases is fairly typical, but the perks definitely make up for it. This is a great card for those with fair credit, or a limited credit history needing to build their credit.
Photo of Xavier S.
Sep 10, 2013
The Capital One QuicksilverOne credit card is my first credit card that I have applied for after rebuilding my credit. I applied for the credit card because it did not require excellent credit as one of their requirements. I was approved for $500 and I was pleased that this wasn't a secured credit card. One of the benefits for this card is receiving the cash rewards on purchases I make. Being able to trade in those points and use them to something I want is a great advantage. Also, having the cash back rewards not expire is a great deal too. The only thing that can be a disadvantage is more
Photo of Adrian W.
Apr 26, 2013
As with many of the other reviewers here, this credit card was my first real card. I applied for it around early and was instantly approved with a $600 credit line, although I had to make a $100 deposit. I used the majority of the card’s balance the first week or so of owning it and made sure to pay off the card in full before the due date, just to see how much cash back I could rack up. At the end of the cycle when I viewed my cash back amount, I was a bit surprised as to how much money had actually accumulated. The 0% APR and more
Photo of Andrew S.
Apr 20, 2013
This is a really good card that I have had no overall problems with. I lost my card a bit after I got it, but it was really easy to get a replacement and customer service was really easy to work with. I combine this with the fact that I got a lower APR than I had on another other card after 12 months of no interest. It really was a godsend to me at the time, because it allowed me to lower my interest by 10%, which is a huge amount, and they also had interest free transfers, which didn’t matter to me at the time, but was a more
Photo of Daniel S.
Apr 19, 2013
This card was my first true credit card and I could not be happier with it. Not only is the cash back awesome (I get enough back to fill up the tank at the end of the month) The 0% APR for the first year is a blessing really, and the annual fee is also pretty low. Capital One itself is also a friendly and informative company. Funny enough this card came in most handy when I went to Ireland for a wedding. For some reason I could not access my bank account and the measly 20 euro I had on me would not suffice. This card lets me use more
Editor's Pick

Capital One® QuicksilverOne® Cash Rewards Credit Card is an Editor's Pick for:

Related Credit Cards

If you are interested in the Capital One® QuicksilverOne® Cash Rewards Credit Card, check out the following credit cards as well:

Related Credit Card Categories

Capital One® QuicksilverOne® Cash Rewards Credit Card is related to the following credit card categories:

CardHub is an independent card comparison service.

We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Once you click the "Apply Now" button, you will be directed to the issuer's website. Before applying, we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Capital One® QuicksilverOne® Cash Rewards Credit Card shown on this page.

Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted toward the top of the page using the designation "Sponsored Card", when applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.

Regardless of advertiser status, none of the information on CardHub constitutes a referral or endorsement of the respective issuer by us, or vice versa. Furthermore, it is important to note that the inclusion of non-sponsored cards on CardHub does not indicate that issuer's involvement with the site. Information is displayed first and foremost for helping consumers make better credit card decisions.

Last updated on: Nov 24th, 2015 at 6:42 EST

Your email request has been submitted

Thank You

Go Back

Share by Email

250 Characters Remaining