- Sign-Up Bonus
- 0
- Spending Multipliers
- 2.5
- Credits & Features
- 1
- Fees
- 4.5
- Application
- 5
- Issuer
- 4.5
Summary
- Sign-Up Bonus
- 0
- Spending Multipliers
- 2.5
- Credits & Features
- 1
- Fees
- 4.5
- Application
- 5
- Issuer
- 4.5
The Capital One QuicksilverOne Cash Rewards Credit Card is a cash back card designed for consumers with fair credit who want to earn rewards while rebuilding or establishing credit. With unlimited 1.5% cash back on all purchases, it provides simple, flat-rate rewards on everyday spending like groceries, gas, and dining, making it ideal for those who want straightforward earning without tracking bonus categories. The card also charges no foreign transaction fees and allows cash back to be converted into miles if paired with a Capital One Venture card, adding travel flexibility over time. Additional benefits include extended warranty protection, automatic credit line reviews, emergency card replacement, and 50% off handcrafted beverages at Capital One Café, providing extra value for everyday use. While the annual fee is not waived in the first year and there are no welcome bonuses or credits to offset the fee, the QuicksilverOne card is best suited for responsible consumers with fair credit who want to earn rewards, build credit, and enjoy practical travel and lifestyle perks.
Pros
Cons
Issuer
Capital One, established in 1994 as a spin-off from Signet Financial Corp, has grown into one of the largest banks in the US with international presence in the UK and Canada. Leveraging data-driven strategies, it offers a diverse range of financial products, including credit cards, checking, savings, and business services. While serving over 100 million customers, Capital One is recognized as a subprime lender, occasionally denying credit to those with higher credit scores. With $662 billion in total assets and $69 billion in annual revenue in 2025, it maintains financial stability. The company emphasizes technology, employing real-time data, AI, and machine learning, and is committed to environmental sustainability, aiming to reduce GHG emissions and support renewable energy. Despite a decreasing physical branch presence, Capital One continues its mission to revolutionize banking by bringing ingenuity, simplicity, and humanity to the industry, reflecting a dedication to financial inclusion and adherence to regulatory standards as an FDIC-insured institution.
Spending Multipliers
1.5%
Cash Back on all other purchases
Credits & Features
Application
- Capital One has a strict 1/6 rule, meaning you can only apply for 1 Capital One card every 6 months
- Consider having at least a credit history for 2 year
- Capital One usually pulls from all 3 major credit bureaus
- See if you are pre-approved before applying
- Capital One states that for fair credit, you may have defaulted in the past 5 years, or less than 3 years of credit history
Fees
- $39 Annual Fee
- No Foreign Transaction Fee
- Up to $40 late fee
- 28.99% Variable APR
- 28.99%APR for Cash Advance
- $5 or 5% of each cash advance amount (whichever is greater)
- 28.99% APR for Balance Transfer
- 4% of each transfer amount