Capital One QuicksilverOne Cash Rewards Credit Card Review

By Thomas Donaldson

Capital One QuicksilverOne Cash Rewards Credit Card

(359 reviews)

  • 1.5% Cash Back on every purchase, every day
  • Helpful credit management tools and no foreign transaction fees
  • Use your card wherever Mastercard is accepted
  • $39
  • Average, Fair, Limited
Product Details
  • Click "APPLY NOW" to apply online
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

Our Expert Review

Why We Like It


Offer Rating

4.5/ 5

By Our Editorial Team

Key Benefit

The perfect choice for consumers looking to earn cash back while they build credit by using the card responsibly.

Editor

If you don't have much credit history or have fair credit, the Capital One QuicksilverOne Cash Rewards Credit Cardis a great tool to help you build credit when used responsibly. Like most credit card offers for consumers who are just starting out, there is an annual fee of $39. That said, the Capital One QuicksilverOne Cash Rewards Credit Card offers something that many competing cards don't – cash back!

Cardholders will earn unlimited 1.5% Cash Back on every purchase, every day. That's quite a generous rewards rate for a card available to folks with less than excellent credit. And like the premium cash back cards from Capital One, there is no limit to how much cash back you can earn and cash back doesn't expire for the life of the account.

In addition to the cash back rewards, this card comes with as few helpful features to get you started on the right foot for building credit when you use the card responsibly. You can monitor your credit profile for free with the CreditWise® app and you'll even be automatically considered for a higher credit line in as little as 6 months.

Pros & Cons

Pros

  • An easy-to-understand cash back program that rewards you for every purchase
  • Complimentary credit management tools and resources to help strengthen your credit for the future with responsible card use
  • No foreign transaction fees makes this a great choice for traveling abroad

Cons

  • The annual fee of $39 is not waived the first year
  • The APR of 26.99% (Variable) is relatively high, but that's normal for card for fair credit consumers

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