Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Ashley Sutphin Watkins, LendEDUThe Capital One QuicksilverOne is a strong credit card for someone with a limited credit history or an average credit score. It’s simple in terms of the cash back structure, and it has tools to help users build their credit over time. Although there is an annual fee, this can be offset by spending a...
- Christine Layton, CreditShoutThe Capital One QuickSilverOne is a top cash back rewards card for consumers looking to build or rebuild their credit. And it is one the best credit cards - period - if you have limited, fair, or average credit.
- CardcruncherThe Capital One QuicksilverOne Cash Rewards card is for people who don't want to worry about bonus categories when they using a credit card. You'll earn 1.5% cash back on every purchase, regardless of whether you're shopping on Amazon or paying for dinner at a restaurant. You can certainly beat 1.5%...
- NextAdvisorIf you have fair or average credit (usually considered a score of 620 or higher) and want a great cash back card, the Capital One® QuicksilverOne® Cash Rewards Credit Card is an excellent choice.
- Kelly Dilworth, CreditCards.comThe Capital One QuicksilverOne card is one of our top choices for consumers trying to bolster their credit scores, thanks to a generous rewards program that offers 1.5-percent cash back on every purchase and easily makes up for the card’s annual fee.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
26.99% This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
26.99% This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
26.99% This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $39.00 |
| Balance Transfer Fee | $0.00 |
| Cash Advance Fee |
3% Minimum of $10 |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$38.00 Maximum |
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| All Purchases | 1.5% cash back |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | Yes |
| Car Rental Insurance | Yes |
| Car Rental Discount | No |
| Extended Warranty | Yes |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | Yes |
| Concierge Service | No |
| Price Protection | Yes |
| Fraud Protection | Yes |
| Free Credit Scores | Yes |
| Wireless Payments | Apple Pay |
| Additional Benefits |
- Get 50% back on Spotify Premium through April 2018. - Roadside assistance |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Critic Reviews
Decent rewards for cardholders with average credit
The Capital One QuicksilverOne is a strong credit card for someone with a limited credit history or an average credit score. It’s simple in terms of the cash back structure, and it has tools to help users build their credit over time. Although there is an annual fee, this can be offset by spend...More
The Capital One QuicksilverOne is a strong credit card for someone with a limited credit history or an average credit score. It’s simple in terms of the cash back structure, and it has tools to help users build their credit over time. Although there is an annual fee, this can be offset by spending a fairly low amount on the card annually.
Great rewards program, great rates, and a low annual fee
The Capital One QuickSilverOne is a top cash back rewards card for consumers looking to build or rebuild their credit. And it is one the best credit cards - period - if you have limited, fair, or average credit.
The Capital One QuickSilverOne is a top cash back rewards card for consumers looking to build or rebuild their credit. And it is one the best credit cards - period - if you have limited, fair, or average credit.
An entry-level rewards card for people with less-than-stellar credit
The Capital One QuicksilverOne Cash Rewards card is for people who don't want to worry about bonus categories when they using a credit card. You'll earn 1.5% cash back on every purchase, regardless of whether you're shopping on Amazon or paying for dinner at a restaurant. You can certainly beat 1...More
The Capital One QuicksilverOne Cash Rewards card is for people who don't want to worry about bonus categories when they using a credit card. You'll earn 1.5% cash back on every purchase, regardless of whether you're shopping on Amazon or paying for dinner at a restaurant. You can certainly beat 1.5% cash back on category-free purchases, but the QuicksilverOne Cash Rewards card is for people who have less-than-stellar credit.
Read full review
Smart pick for those with average credit
If you have fair or average credit (usually considered a score of 620 or higher) and want a great cash back card, the Capital One® QuicksilverOne® Cash Rewards Credit Card is an excellent choice.
If you have fair or average credit (usually considered a score of 620 or higher) and want a great cash back card, the Capital One® QuicksilverOne® Cash Rewards Credit Card is an excellent choice.
Simple rewards, excellent benefits
The Capital One QuicksilverOne card is one of our top choices for consumers trying to bolster their credit scores, thanks to a generous rewards program that offers 1.5-percent cash back on every purchase and easily makes up for the card’s annual fee.
The Capital One QuicksilverOne card is one of our top choices for consumers trying to bolster their credit scores, thanks to a generous rewards program that offers 1.5-percent cash back on every purchase and easily makes up for the card’s annual fee.
Above-average rewards for average credit
Those who are seeking a low-effort card that includes a solid unlimited rewards rate on all purchases will likely find that the Capital One QuicksilverOne Cash Rewards Credit Card suits all of their needs.
Read full reviewThose who are seeking a low-effort card that includes a solid unlimited rewards rate on all purchases will likely find that the Capital One QuicksilverOne Cash Rewards Credit Card suits all of their needs.
Read full review
A better deal aimed at people with less-than-perfect credit
Not to be confused with the similarly named Capital One Quicksilver card, which requires above-average credit, the QuicksilverOne card is as simple as our top pick when it comes to earning cash back. Reward isn’t great, but it is much better than the zero cash back available on most cards intended for people with lower credit scores.
Not to be confused with the similarly named Capital One Quicksilver card, which requires above-average credit, the QuicksilverOne card is as simple as our top pick when it comes to earning cash back. Reward isn’t great, but it is much better than the zero cash back available on most cards intended for people with lower credit scores.
One of the better cards you’ll find for this level of credit
Designed for fair credit, and with that in mind it’s a pretty good offer. The fee might seem a bit high, but remember that you’re paying for the privilege of building up your credit. There’s no need to pay extra in interest charges because you can just pay off your balance in full each month, preventing any interest from accruing.
Designed for fair credit, and with that in mind it’s a pretty good offer. The fee might seem a bit high, but remember that you’re paying for the privilege of building up your credit. There’s no need to pay extra in interest charges because you can just pay off your balance in full each month, preventing any interest from accruing.
A simple cash back card
If you have average credit and want a low-maintenance cash back card, you could do worse than the Capital One QuicksilverOne Cash Rewards Credit Card. The cash back rate of 1.5% is competitive with other offerings and you’ll be able to increase your credit limit as you go.
If you have average credit and want a low-maintenance cash back card, you could do worse than the Capital One QuicksilverOne Cash Rewards Credit Card. The cash back rate of 1.5% is competitive with other offerings and you’ll be able to increase your credit limit as you go.
Good for consumers with fair/average credit who are looking for a solid rewards program
The Capital One QuicksilverOne Cash Rewards Credit Card is a great option for those with average/fair credit. Most cards for average credit are bleak in their benefits and reward offerings, but not this one.
Read full reviewThe Capital One QuicksilverOne Cash Rewards Credit Card is a great option for those with average/fair credit. Most cards for average credit are bleak in their benefits and reward offerings, but not this one.
Read full review