Credit Card Reviews

Capital One® QuicksilverOne® Cash Rewards Credit Card Review

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This cash back card is ideal for those who have had some credit problems in the past, but don't necessarily have bad credit. With this card, you'll have a small annual fee, but you can earn unlimited cash back.


  • Unlimited cash back on every purchase
  • Requires only fair credit
  • No foreign transaction fees


  • Annual fee
  • High annual percentage rate (APR)
  • No sign-up bonus or introductory financing offer

Experian Review

The Capital One® QuicksilverOne® Cash Rewards Credit Card is a basic cash back card that offers a competitive cash back rate on all purchases. You earn 1.5% cash back, and you can redeem your rewards at any time and in any amount. And unlike many other cash back credit cards, you don't have to have perfect credit to be approved.

Apply With Less Than Perfect Credit

This is one of the rare cards that provides a good cash back rate but doesn't require you to have great credit. Capital One offers this card to people who have had some credit problems in the past, so you may be approved with just average credit. As a tradeoff, you'll pay an annual fee of $39—though this fee isn't bad compared with many cards—and a higher than average standard interest rate. Also, this card offers no sign-up bonuses or low introductory financing.

Strong Cardholder Benefits

Despite the lack of sign-up or financing perks, the QuicksilverOne® card offers numerous cardholder benefits, including extended warranty coverage, roadside assistance and auto rental insurance. You'll also receive access to hard-to-find tickets for concerts and sporting events, as well as premier culinary experiences: Capital One partnered with reservations firm Resy to offer cardholders exclusive access to tables at the most desirable restaurants in New York; Washington, D.C.; and Austin, Texas.

The Annual Fee May Be Worth It

While you might think it's better not to pay an annual fee, that's not always the case. If you use this card to spend $500 a month, then you'll earn $90 a year in cash back, easily covering the annual fee. For those who don't have strong enough credit to qualify for a comparable cash back card with no annual fee, this card can be a great alternative.

Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities. All information, including rates and fees, are accurate as of the date of publication.

This article was originally published on March 14, 2019, and has been updated.

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