Capital One QuicksilverOne Cash Rewards Credit Card
- Annual Fee
- $39
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $39
- Foreign Transaction Fee
- $0
- Network
- Mastercard Standard
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Poor to Fair
Earning Rates
- 1.5%
All Other
Flat 1.5% cash back on all purchases with no caps
Benefits & Perks
Insurance & Protections
4 protectionsZero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Eno Virtual Card Numbers for Online Shopping
Create unique virtual card numbers for every online purchase to protect your real card number from fraud and data breaches
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Credit monitoring
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
Program & Transfers
Cash Back Rewards
Reviews & Analysis
Pros and Cons
Pros
- +Accessible to fair and limited credit profiles
- +Flat 1.5% cash back on every purchase with no caps
- +No rotating categories or activation required
- +No foreign transaction fees
- +Opportunity to upgrade to no-annual-fee Quicksilver after building credit
Cons
- -$39 annual fee reduces net rewards value
- -Lower earn rate than premium cash back cards
- -No welcome bonus offer
- -No bonus categories, only a flat 1.5% on every purchase
- -Requires fair credit minimum, not a secured card
Who It's Best For
Best For
- Building or rebuilding credit with cash back rewards
- People with fair or limited credit history seeking rewards
- Those who want simple, flat-rate cash back without tracking categories
- First-time credit card applicants who want rewards
Not Ideal For
- Those with excellent credit who can qualify for higher-earning cards
- People seeking cards with no annual fee
- Heavy spenders who want bonus categories or higher earn rates
- Those who prefer travel rewards over cash back
Details & Terms
Payment Terms
| Purchase APR | 29.24% (Variable) |
| Cash Advance APR | 29.24% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| CardRatings | — | CardRatings |
| CardRatings | — | CardRatings: Bonus categories |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Capital One | Capital One | |
| Capital One | Capital One |