The Capital One Quicksilver Cash Rewards Credit Card is aimed at consumers with “good” credit or better. By comparison, the Capital One QuicksilverOne Cash Rewards Credit Card is available to consumers with “fair” or limited credit.
Although the Capital One Quicksilver Cash Rewards Credit Card offers more creditworthy consumers more favorable terms, I think the Capital One QuicksilverOne Cash Rewards Credit Card is one of the top credit cards on the market for consumers with fair credit.
Capital One Quicksilver Cash Rewards Credit Card
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
| Annual Fee | Intro APR, Purchases | Intro APR, Balance Transfers | Regular APR | Credit Needed |
| $0 | 0% intro on purchases for 15 months | 0% intro on balance transfers for 15 months | 19.99% - 29.99% (Variable) | |
Capital One Quicksilver Cash Rewards Credit Card gives you 1.5% cash back on every purchase, every day, with no limit.
Unlike some competing cards, there are no rotating categories or sign ups required to earn a higher level of cash back.
The Capital One Quicksilver Cash Rewards Credit Card has no annual fee and no foreign transaction fees and feature. See Rates & Fees.
The Capital One Quicksilver Cash Rewards Credit Card also offers a one-time $200 cash bonus once you spend $500 on purchases within 3 months from account opening.
As I mentioned above, the Capital One Quicksilver Cash Rewards Credit Card requires at least good credit. Although card approvals are handled on an individual basis, I would generally consider someone with at least three years of credit history and a credit score in the high 600s to have good credit. Get an idea of your individual credit standing with the help of free credit reports and scores.
» MORE:See card details/applyor read our fullCapital One Quicksilver Cash Rewards Credit Card review
Capital One QuicksilverOne Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
| Annual Fee | Intro APR, Purchases | Intro APR, Balance Transfers | Regular APR | Credit Needed |
| $39 | N/A | N/A | 30.74% (Variable) | |
Like Quicksilver, the Capital One QuicksilverOne Cash Rewards Credit Card gives you unlimited 1.5% cash back on every purchase with no rotating categories or enrollment required. The two biggest differences between Quicksilver and QuicksilverOne are that:
- Capital One QuicksilverOne Cash Rewards Credit Card has a $39 annual fee
- Capital One QuicksilverOne Cash Rewards Credit Card does not offer a one-time cash bonus for new cardmembers
Although the Capital One QuicksilverOne Cash Rewards Credit Card is not quite as attractive as Quicksilver, itmay be available to consumers who would not otherwise be approved for Capital One Quicksilver Cash Rewards Credit Card or a similar prime credit card. This makes QuicksilverOne an attractive option for young adults with limited credit or anyone with fair or average credit.
One last nice thing about the Capital One QuicksilverOne Cash Rewards Credit Card is that cardmembers can get access to a higher credit line after making your first six monthly payments on time.
» MORE:See card details/applyor check out ourCapital One QuicksilverOne Cash Rewards Credit Card review
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Which card should you apply for?
If you know you have excellent credit, choose the Capital One Quicksilver Cash Rewards Credit Card.
Likewise, if you know you have limited credit, choose the Capital One QuicksilverOne Cash Rewards Credit Card. After a year or two of making on-time payments, you may be able to call Capital One and request your account be upgraded to the Quicksilver card when your credit situation has improved.
Competitors to consider
If you’re attracted to the Capital One Quicksilver Cash Rewards Credit Card, there are several cash back rewards credit cards to compare.
For example, if you know you’ll be spending at least $800 a month on your rewards credit card, consider the Capital One Venture Rewards Credit Card alongside. The Capital One Venture Rewards Credit Card has a $95 annual fee, but pays 2x miles per dollar spent on every purchase that you can redeem for statement credits toward nearly any travel expense, making the rewards more valuable than the Capital One Quicksilver Cash Rewards Credit Card’s 1.5% cash back (See Rates & Fees.).
If you’re looking at theCapital One QuicksilverOne Cash Rewards Credit Card, ask yourself if you’ll spend at least $2,600 a year on the card. If so, the cash back you earn will cover the card’s annual fee.
If you’ll only use the credit card once in a while, consider the barebones Capital One Platinum Credit Cardinstead. Also designed for consumers with fair or limited credit, the Capital One Platinum Credit Card does not offer rewards but has no annual fee, making it the economical option for very occasional use. Alternately, you may wish to compare all Capital One credit cards before making your selection (See Rates & Fees.).
Summary
Both these cards offer unlimited 1.5% cash back.
The Capital One Quicksilver Cash Rewards Credit Card is for consumers with good credit.
By contrast, the Capital One QuicksilverOne Cash Rewards Credit Card is available to consumers with fair or limited credit. The Capital One QuicksilverOne Cash Rewards Credit Card has a $39 annual fee and does not offer a one-time bonus (See Rates & Fees.).
FAQs
Quicksilver vs. QuicksilverOne: What's the difference? While you'll typically need excellent credit to get approved for a Quicksilver card, QuicksilverOne is available for people with fair credit. You'll still earn unlimited 1.5% cash back on every purchase but there's a higher APR.
What is the lowest limit for Capital One Quicksilver? ›
The Quicksilver One card is for rebuilding credit where the Quicksilver card is for those with good credit. The minimum starting limit for the Quicksilver is $1000, and there's no annual fee. Both cards look almost identical.
How much money does Capital One Quicksilver give you? ›
The Capital One Quicksilver Cash Rewards Credit Card offers 1.5% cash back on all purchases, but you'll need good credit or better to qualify.
What credit score do you need for Capital One QuicksilverOne? ›
The credit score you need for the Capital One QuicksilverOne card is 640 or higher. The Capital One QuicksilverOne is also available to people with limited credit, so you may be able to get approved even if you have less than 3 years of credit history.
Can I upgrade QuicksilverOne to Quicksilver? ›
You can upgrade your Capital One QuicksilverOne card to the Capital One Quicksilver Cash Rewards Credit Card by submitting a request over the phone at (800) 227-4825. Alternatively, you can upgrade your credit card by accepting an online or mail offer.
What is the highest credit limit for Capital One Quicksilver? ›
What is the Capital One Quicksilver credit limit? The Capital One Quicksilver credit limit depends on your income, creditworthiness and payment history, which are evaluated once you apply for the card. According to anecdotal reports, the card's credit limit can be as low as $750 and as high as $10,000.
How to get a $10,000 credit limit with Capital One? ›
To get a $10,000 credit limit on a Capital One credit card, you will need to apply for a high-end card like Capital One Venture X and meet the income requirements. Other Capital One cards may offer $10,000 starting credit limits to qualified applicants, but the odds of getting a limit that high are not as good.
Is Capital One Quicksilver one hard to get? ›
Capital One states that you'll need excellent credit to qualify for the Capital One Quicksilver Cash Rewards Credit Card that offers the welcome bonus. That said, qualifying for a Quicksilver Rewards For Good Credit is possible, but you won't earn a welcome bonus or an intro APR.
Is Capital One Quicksilver a card for bad credit? ›
Credit score requirement: According to Capital One, you'll need excellent credit to qualify for the Capital One Quicksilver Cash Rewards Credit Card. Typically, excellent credit means a credit score of at least 720.
Is Capital One Quicksilver better than Quicksilver one? ›
Bottom Line. If you have excellent credit, the Capital One Quicksilver Cash Rewards Credit Card is the clear winner here. It's the same as the Capital One QuicksilverOne Cash Rewards Credit Card but with no annual fee (rates & fees), a welcome bonus and better benefits.
The two cards have identical WalletHub Ratings (5/5/5), but Capital One Savor offers more value overall, thanks to its bonus rewards.
Does Capital One Quicksilver give credit line increases? ›
You can get a Capital One QuicksilverOne credit limit increase by making a request online, through the mobile app or by calling customer service at the number on the back of your card.
Is QuicksilverOne a good card? ›
It's one of the few cards available to people with fair credit that also earns cash back rewards on every purchase. However, as a card for fair credit, the QuicksilverOne card's utility as a credit building tool is more important than its rewards potential.
How often does Capital One Quicksilver increase limit? ›
The Capital One Quicksilver Cash Rewards for Good Credit will increase your credit limit no more than once every six months generally. This time frame applies whether you request a credit limit increase yourself or wait for Capital One to offer you an automatic increase.
Is Capital One Quicksilver a good beginner card? ›
Adam McCann, Financial Writer
The best Capital One starter card is the Capital One QuicksilverOne Cash Rewards Credit Card because its available to people with limited credit. It gives 1.5 - 5% cash back on purchases, with no earning limit, and charges a $39 annual fee.
What is the difference between Capital One Quicksilver and Capital One Quicksilver one? ›
Annual fee winner: Capital One Quicksilver
The Quicksilver doesn't charge an annual fee, which makes its 1.5 percent rewards rate even better. The QuicksilverOne charges a $39 annual fee that is not waived the first year.
Is QuicksilverOne a good credit card? ›
It's one of the few cards available to people with fair credit that also earns cash back rewards on every purchase. However, as a card for fair credit, the QuicksilverOne card's utility as a credit building tool is more important than its rewards potential.
Is it hard to get approved for Capital One Quicksilver? ›
The Capital One Quicksilver Card is fairly hard to get because it requires good to excellent credit for approval (a credit score of at least 700 is recommended). You also need a steady income to qualify for the Capital One Quicksilver card, among others.
Which Capital One card is better than Quicksilver? ›
Where accessibility is concerned, the Capital One Platinum Credit Card beats the Capital One Quicksilver Cash Rewards Credit Card. Those who have fair or average credit cannot qualify for the Quicksilver, which requires at least good credit. For that consumer cohort, the Platinum wins over the Quicksilver by default.
