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Capital One QuicksilverOne Cash Rewards Credit Card Review
February 6, 2025
What Is the Capital One QuicksilverOne Cash Rewards Credit Card?
The Capital One QuicksilverOne Cash Rewards Credit Card is a versatile rewards credit card designed for individuals with average credit who want to earn cash back on their everyday purchases. With a straightforward rewards structure offering unlimited 1.5% cash back on all purchases, this card serves as both a stepping stone to building credit and a reliable rewards-earning tool.
Unlike many credit cards that require good or excellent credit, the QuicksilverOne provides an opportunity for those with average credit to access premium card benefits, including Capital One travel perks and entertainment benefits. While it does come with a $39 annual fee, the card's rewards program can easily offset this cost with regular use.
Capital One QuicksilverOne Pros & Cons
Pros:
- Unlimited 1.5% cash back on all purchases with no rotating categories
- Accessible to applicants with average credit
- No foreign transaction fees for international travel
- Access to Capital One Travel portal with 5% cash back on hotels and rental cars
- Exclusive access to Capital One Entertainment with special events and VIP packages
- Automatic credit line reviews for potential increases
- Rewards don't expire as long as the account remains open
Cons:
- $39 annual fee
- Higher variable APR of 29.74%
- No welcome bonus or introductory APR offer
- Limited benefits compared to premium travel cards
- Credit increase difficulty for some cardholders
Who Is the Capital One QuicksilverOne Cash Rewards Credit Card For?
The Capital One QuicksilverOne Cash Rewards Credit Card is ideally suited for several types of cardholders:
Credit Builders:
If you have average credit and want to improve your score while earning rewards, this card offers a clear path forward. Regular on-time payments and responsible usage can lead to credit line increases and better credit scores.
Everyday Spenders:
The card's flat 1.5% cash back rate makes it attractive for those who want a simple rewards structure for daily purchases, from gas and groceries to auto expenses and maintenance.
International Travelers:
With no foreign transaction fees, the card is excellent for those who frequently travel abroad or make international purchases.
Entertainment Enthusiasts:
Cardholders gain access to the Capital One Entertainment ticketing platform, offering exclusive reservations and VIP packages for concerts, sporting events, and more.
Comparing the QuicksilverOne with Other Credit Cards
When considering the Capital One QuicksilverOne Cash Rewards Credit Card, it's helpful to compare it with other popular options in the cashback credit card category:
- Annual fee: $0
- Sign-up bonus: Cash bonus after meeting spending requirements
- Key rewards: 5% on travel purchased through Chase Travel℠, 3% on dining and drugstores, 1.5% on all other purchases
- Standout feature: Flexible redemption options including cash back, travel, and gift cards
Capital One Savor Cash Rewards Credit Card (rates & fees):
- Annual fee: $0
- Sign-up bonus: Cash bonus after meeting spending requirements
- Key rewards: 3% on dining, entertainment, popular streaming services, and grocery stores
- Standout feature: No foreign transaction fees
Blue Cash Everyday® Card from American Express (rates & fees):
- Annual fee: $0
- Welcome offer: Cash bonus after meeting spending requirements
- Key rewards: 3% at U.S. supermarkets (up to $6,000 per year, then 1%), 3% cash back up to $6,000 per year, then 1%. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout
- Standout feature: This card offers a generous intro of APR on purchases and balance transfers
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- Capital One QuicksilverOne Cash Rewards Credit Card excels in [specific area]
- Chase Freedom Unlimited® offers diverse category bonuses
- Capital One Savor Cash Rewards Credit Card rewards dining and entertainment spending
- Blue Cash Everyday® Card from American Express provides strong rewards on everyday purchases
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Consider Using Kudos
To maximize your rewards with the Capital One QuicksilverOne Cash Rewards Credit Card, consider downloading Kudos, a free AI-powered browser extension. Kudos can help you:
- Automatically identify the best times to use your QuicksilverOne for maximum rewards
- Stack rewards with other available offers
- Track your rewards earning across all your credit cards
- Find exclusive "Flash Boost" events that can multiply your rewards up to 5X
Currently, Kudos is offering $20 back after your first eligible purchase — just sign-up for free with code "GET20" and make a purchase at a Boost merchant.
Our Expert Takeaway
The Capital One QuicksilverOne Cash Rewards Credit Card stands out as a solid choice for consumers with average credit who want to earn rewards while building their credit profile. Despite its $39 annual fee, the card's unlimited 1.5% cash back structure, combined with premium travel and entertainment benefits, makes it a valuable addition to your wallet. The lack of foreign transaction fees and access to Capital One Travel and Entertainment platforms adds significant value for frequent travelers and entertainment enthusiasts.
Capital One QuicksilverOne FAQ
What credit score do I need for the QuicksilverOne?
The card is designed for those with average credit, typically scores between 580-670.
How does the cash back redemption work?
You can redeem cash back for statement credits, checks, or gift cards with no minimum redemption requirement.
Are there any balance transfer options?
Yes, but there's no introductory APR offer, and balance transfers incur a fee.
Can existing Capital One cardmembers apply?
Existing cardmembers may have limited eligibility for new cardmember offers.
How often does Capital One review credit limits?
Capital One automatically reviews accounts for credit increases, typically starting at 6 months.
Supercharge Your Credit Cards
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
