Is Capital One QuicksilverOne Cash Rewards Credit Card the right fit for you?
Last Updated: 03/30/2026
SuperMoney User Recommendation Score +53
Strongly recommended19 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
28.99%(Verified 01/07/2026)
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Balance Transfer APR (Variable APR)
28.99%(Verified 01/08/2026)
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Credit Score Range
640 - 700
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Annual Fee
$39
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Number of Reviews
Capital One QuicksilverOne Cash Rewards Credit Card Review
This is a cashback credit card issued by Capital One. If you're wondering whether Capital One QuicksilverOne Cash Rewards Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 28.99%
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Capital One QuicksilverOne Cash Rewards Credit Card
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Capital One QuicksilverOne Cash Rewards Credit Card FAQ
Does Capital One QuicksilverOne Cash Rewards Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1.5 % cash back (1.5% Cash Back on every purchase, every day) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Capital One QuicksilverOne Cash Rewards Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Capital One QuicksilverOne Cash Rewards Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Capital One QuicksilverOne Cash Rewards Credit Card benefits?
Capital One QuicksilverOne Cash Rewards Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Capital One QuicksilverOne Cash Rewards Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Capital One QuicksilverOne Cash Rewards Credit Card has a variable purchase APR of 28.99%. The card has a variable balance transfer APR of 28.99% . It also has a variable cash advance APR of 28.99% .
Does Capital One QuicksilverOne Cash Rewards Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Capital One QuicksilverOne Cash Rewards Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Capital One QuicksilverOne Cash Rewards Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $39.
Does Capital One QuicksilverOne Cash Rewards Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Capital One QuicksilverOne Cash Rewards Credit Card?
The customer service number for Capital One QuicksilverOne Cash Rewards Credit Card is (877) 383-4802.
What is the support contact email for Capital One QuicksilverOne Cash Rewards Credit Card?
The support contact email for Capital One QuicksilverOne Cash Rewards Credit Card is support@capitalone.com.
How do people rate the customer service and user experience of Capital One QuicksilverOne Cash Rewards Credit Card?
Overall, Capital One QuicksilverOne Cash Rewards Credit Card is strongly recommended based on community reviews that rate customer service and user experience.
Does Capital One QuicksilverOne Cash Rewards Credit Card report your account activity to credit bureaus?
Yes, Capital One QuicksilverOne Cash Rewards Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Capital One perform a hard credit pull?
Yes, Capital One QuicksilverOne Cash Rewards Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Capital One QuicksilverOne Cash Rewards Credit Card
- Visit the website of Capital One QuicksilverOne Cash Rewards Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Capital One QuicksilverOne Cash Rewards Credit Card Disclosure: SuperMoney has partnered with CardRatings for our coverage of credit card products. SuperMoney and CardRatings may receive a commission from card issuers.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
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Credit Score Range
630 - 750
300
850
Annual Fee
$0
Purchase APR
18.49% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
18.49% - 28.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Credit Score Range
640 - 720
300
850
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Purchase APR
18.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
300 - 550
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.49% - 25.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 25.49%
Disclaimer popup with additional information
Credit Score Range
750 - 850
300
850
Annual Fee
$95
Purchase APR
15.24% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
15.24% - 26.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
17.99% - 27.74%
Disclaimer popup with additional information
Balance Transfer APR
17.99% - 27.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.9% - 25.74%
Disclaimer popup with additional information
Balance Transfer APR
15.9% - 25.74%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +53, or 4.1 on a 5-point rating scale.
+53
-1000+100
No one recommends
Everyone recommends
Capital One QuicksilverOne Cash Rewards Credit Card Community Reviews
Would you recommend Capital One QuicksilverOne Cash Rewards Credit Card to your friends?
Hollie B.
Aug 23, 2022
May or may not recommend
I have this card and the APR is very high. The monthly interest payment is very high. You will pay a lot of fees if you carry this card. I say maybe because you can get cash back points to help pay off your balance.
IC
Isa C.
May 4, 2022
May or may not recommend
This is a great first time credit card! Their regular email notifications make it easy to keep up with payments. Plus money transfers and deposits are super easy.
SG
Santos G.
Jan 4, 2022
May or may not recommend
This is an awesome card it allows you to earn reward points on every purchase with the perk to use those points on paying down the balance or getting gift cards. I used this card to build up my credit and was very helpful in achieving that goal. I requested a balance increase and it was done on the spot through the online tool.
WM
William M.
Jul 20, 2021
May or may not recommend
This card is nice but there are some drawbacks. It has a very higher APR for my credit score and it also charges an annual fee of $39. I hate annual fees because they really cut into the value you can get for a rewards card if you don't spend like crazy. That said, it also has an auto rental collision damage waiver and travel accident and travel assistance insurance ...Show More
KR
Kristina R.
Apr 12, 2021
May or may not recommend
I have had this card for many tears and use it all the time. I would definitely recommend this card!
JB
J B.
Jan 6, 2021
May or may not recommend
I recently got this credit card and I am using it as my main credit card. The rewards a great although it is a bit lower than some of the other rewards cards out there the fact that it always has the same rate is great. This is because there is no requirement to sign up for monthly or quarterly bonuses, so you don’t lose out by not buying the ...Show More
AD
Amanda D.
Nov 7, 2020
May or may not recommend
To receive the most benefits from this card, I’d recommend using it for every purchase. Why? Because you earn 1.5% cashback on everything you buy. That means savings in your pocket after every month of spending!
I opened my Capital One Quicksilverone® three years ago. Capital One provided me with a $1,000 credit limit. After six months of paying my bill in full and on time, Capital One raised my credit ...Show More
Kebra D.
Oct 24, 2020
May or may not recommend
I love getting cash back for purchases I would make regardless. That’s what makes this my favorite card to use, even over my debit!
Jessica T.
Oct 11, 2020
May or may not recommend
This was one of my first credit cards. I was working on building my credit and they were understanding of that and gave me a chance with a $500 limit at first. After a couple months, they raised it to $1,500. It's a great card for learning about credit and starting to build it. The cash back rewards were amazing too. I was shocked by how much I got back ...Show More
Trisha D.
Sep 12, 2020
May or may not recommend
I’ve had this card for several years and went through the changes that led to what it is now. I call it the power card in my wallet. I’m enjoying all the new perks and I love it. My quicksilver is my go to card for everyday purchases. The bonus for me is that it gives a standard 1.5% cash back on every purchase compared to other cards that have ...Show More
Audrey B.
Sep 11, 2020
May or may not recommend
Capital One Quicksilver has a good mobile app where you can easily see your credit score, cash back and even pay your bill right in the mobile app. It is one of the best mobile apps I have used in the credit card industry. As for cash back is a great way to save and exchange them even for gift cards for Holidays, Celebrations or your own personal use. There ...Show More
Netius
Sep 8, 2020
May or may not recommend
This was my second card to give me a chance to help build and start my credit history. I have never had a problem with this card or this company. I currently hold three different cards now with them now - especially after they took over the Walmart Cash Back Card. I have been contacted a couple of times by a Capital One Customer Service Representative to verify some transactions ...Show More
BF
Beth F.
Aug 21, 2020
May or may not recommend
I have been with CapitalOne over 20 years. Today they lowered my limit from $5000 to 1500 as I pay my card in full and keep my balance to 1% of my limit. I do this for my credit rating. Now all 3 bureaus have lowered my score from 814 to 600. I have never been late and over the past few years pay my balance in full.
U
Anonymous
Aug 15, 2015
May or may not recommend
Look at your statement closely. They recklessly charge you a penalty even if you are not late. This happened to me last month and they took off the fee. I will call them again tomorrow because I see the same error on my current statement.
U
Anonymous
May 22, 2015
May or may not recommend
I did what they said and paid my bill on time for five months in order to get a higher credit line than the $500 I started out with. Well, I did get an increase month 6 to $1000! Now I'm hoping for another in another five months or so. My credit score is also going up, which I know thanks to access to my score with this card.
U
Anonymous
May 16, 2015
May or may not recommend
I was really shocked when my credit limit nearly quadrupled after I hit my five mark month of having the card and paying on time! I went from $300 to $1100 credit limit, which is the highest I've had since I had difficulties with my credit! And my score is rising steadily--it's now at 640!
U
Anonymous
May 16, 2015
May or may not recommend
Love this card! Not only am I building my credit, which is good news enough, I also get great rewards, which are 1.5% cash back on every purchase I make!! Then if you add in the fact that you can transfer in higher interest cards for the zero percent introductory interest and you've got an amazing card.
U
Anonymous
May 16, 2015
May or may not recommend
Great card with many perks! I especially like the 1.5% cash back on any type of purchase with no limit. It's also really nice that there aren't any confusing changing categories. And then top it off with the zero percent interest rate you get on balance transfers for the first months and you've got a winner!!
Eric L.
Oct 10, 2013
May or may not recommend
Great credit card and rewards....automatic credit limit increased when I needed it most.
Showing 19 of 19 reviews
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