The Capital One QuicksilverOne card is an excellent choice for consumers who are trying to build their credit history. The Quicksilver Card’s benefits include a $0 annual fee, an introductory APR of 0% for 15 months, and simple yet lucrative rewards: 1.5% cash back on all purchases. It offers a flat 1.5 percent cash back rate that can add up to big savings for cardholders who use it regularly. Once you reach that milestone, though, you'll always be ahead in terms of rewards. You should have good credit before applying for the Capital One Quicksilver Cash Rewards card. If you are looking for ultimate ease, redemption is where the Quicksilver card has the edge. The Capital One Quicksilver Cash Rewards Credit Card set the standard for an entire generation of cash-back credit cards with an extremely simple value proposition: 1.5% cash back on every purchase, every day. The Capital One Quicksilver Cash Rewards Credit Card and Capital One QuicksilverOne Cash Rewards Credit Card are both rewards credit cards that pay 1.5 percent cash back on all of your purchases. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. While the Quicksilver is geared toward applicants with good or better credit, you can qualify for the QuicksilverOne with a limited credit history or an average credit score. Even the 3% balance-transfer fee is lower than what many of its rivals charge. Re: Capital One Quicksilver Card Types and Credit Scores Also note that the QuicksilverOne usually has an annual fee attached where as the Quicksilver does not. The Capital One QuicksilverOne Cash Rewards Credit Card is a cash back card designed for those with average or fair credit. If you’re searching for the simplest option for cash back rewards, the Quicksilver card may be the best way to go. » MORE: Capital One credit cards mobile app review. Are you thinking about applying for the Capital One Quicksilver card? Annual Fee: $39; APR: 26.99%; How the Quicksilver One Card Works. However, this does not influence our evaluations. The Capital One Quicksilver Cash Rewards Credit Card is perfect for those who want to earn a flat rewards rate on all of their purchases. Thanks to Capital One’s user-friendly interface, it’s a seamless process: You simply log into your account, visit the Rewards center, click the icon to “Cover Your Purchases” at the top of the page and choose from the list of purchases to apply your statement credit: You can also issue your cash back as a check – but the purchase eraser makes things so easy, it’s probably not worth the extra effort in most cases (though it’s nice to have the option in case you want to close your card and cash out your rewards). If you expect to be doing a lot of spending during international travel, the Capital One Quicksilver Cash Rewards Credit Card is the more cost-effective choice. points, which can give you more flexibility (and potentially more value) when you redeem. It has a $0 annual fee and a sign-up bonus. Discover it Cash Back. The Capital One Quicksilver card is a decent option, especially in the first year when you have access to a welcome bonus, and a 0% intro on purchases for 15 months and easy flat-rate earnings. This can be done either online through your Capital One credit card account, or over the phone by calling customer service at 1-800-955-7070 (select “More Options” for credit limit services). The Capital One® Quicksilver® Cash Rewards Credit Card is a good card for those who prefer to keep their earnings simple. The Capital One Quicksilver card is a high-yield cash back card designed for cardholders with excellent credit. Capital One® Quicksilver® Cash Rewards Credit Card These ratings and reviews are provided by our users. You can find detailed review on Capital One Quicksilver for each features of the card. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. Pre-qualified offers are not binding. Reasonable efforts are made The Chase Freedom Unlimited® charges a 3% foreign transaction fee. Plus, a $200 Cash Bonus. All other purchases earn 1.5% back. Learn more and apply online. Our opinions are our own. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. The Capital One Quicksilver Credit Card has no annual fee and offers a flat 1.5% cash back on every purchase you make, plus a $150 cash bonus for new cardholders after only $500 in spending. However, if you want to maximize your rewards earnings, there are many other cards out there with much higher earning rates. Capital One can help you find the right credit cards; checking or savings accounts; auto loans; and other banking services for you or your business I … As you can see, the Capital One Quicksilver card is a wonderful option for a travel credit card. The card doesn't have a minimum redemption amount. You should have good credit before applying for the Capital One Quicksilver Cash Rewards card. The bank offers round-the-clock live customer service for credit card customers and includes an online chat service on its website (you may have to do some searching to locate it), making it easier to get ahold of an agent when you have a problem. What Credit Scores Do I Need to Qualify for the Capital One Quicksilver Cash Rewards Credit Card? With the Capital One Purchase Eraser you can log into your account and apply your cash back as credits to your statement to “erase” purchases as far back as 90 days. If any of these is a dealbreaker for you, go for the, You can get bonus rewards on gas and groceries, Flat-rate rewards are perfect for consumers with varied spending habits. And the ease of use doesn't apply only on the rewards-earning side. People who value simplicity will appreciate the straightforward rewards on the Capital One Quicksilver Cash Rewards Credit Card. ), If you spend at least $61 a week at the supermarket, take a look at the Blue Cash Preferred® Card from American Express. See related:How four different issuers grant cash back. If you expect to be doing a lot of spending during international travel, the. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Despite the spending cap, you can earn more rewards with the Discover it Cash Back card just by putting all your purchases on one card. However, the Citi card does not offer a sign-up bonus. It has a, annual fee and a sign-up bonus. We figure that a cardholder who spends an average amount in the Discover’s 2019 bonus categories can earn 1.58 percent cash back per dollar spent, beating the Quicksilver card’s 1.5 percent cash back rate. However, unlike Quicksilver, QuicksilverOne has an annual fee: $39. Your credit cards journey is officially underway. For cardholders who don’t struggle with paying bills on time, the Double Cash Card is a low-maintenance card with a clear advantage for long-term cardholders. It also can be considered for use as a balance transfer or 0% APR card, as it has a 15-month interest-free welcome period for both transfers and new purchases.