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Capital One Quicksilver vs. QuicksilverOne: Which Cash Back Card is Right for You?

The Quicksilver and Capital One QuicksilverOne Cash Rewards Credit Card cash rewards credit cards from Capital One both offer 1.5% cash back. So what's the difference?

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. The underlying difference between the two cards is the credit required for approval.

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 review

Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver vs. QuicksilverOne: Which Cash Back Card is Right for You?

In A Nutshell

Capital One created a great cash back offer with the Capital One Quicksilver Cash Rewards Credit Card. First they hit you with a $200 one-time cash bonus after spending $500 in the first three months, then they provide a 0% intro APR on purchases and balance transfers for 15 months (variable APR of 16.49% – 26.49% after that; 3% fee on the amounts transferred within the first 15 months) – all for no annual fee.

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In A Nutshell

Capital One created a great cash back offer with the Capital One Quicksilver Cash Rewards Credit Card. First they hit you with a $200 one-time cash bonus after spending $500 in the first three months, then they provide a 0% intro APR on purchases and balance transfers for 15 months (variable APR of 16.49% – 26.49% after that; 3% fee on the amounts transferred within the first 15 months) – all for no annual fee.

Read review Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Good/
  • Excellent
Poor 500-599 Fair 600-699 Good 700-749 Excellent 750-850

What We Like:

  • A one-time $200 cash bonus after spending $500 in purchases within the first 3 months

  • 1.5% cash back on all purchases

  • A 0% intro APR on purchases and balance transfers for the first 15 months – after which, the ongoing variable APR of 16.49% – 26.49% applies; 3% fee on the amounts transferred within the first 15 months

  • 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
  • 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; 16.49%-26.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Intro APR Purchases 0% Intro Term Purchases for 15 months Intro APR Balance Transfers 0% intro on balance transfers Intro Term Balance Transfers for 15 months Regular APR 16.49% - 26.49% (Variable) Annual Fee $0

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Capital One Quicksilver Cash Rewards Credit Card gives you 1.5 percent 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.

The Capital One Quicksilver Cash Rewards Credit Card also offers a one-time $200 cash bonus to new cardmembers after you spend $500 on purchases within the first three months of opening the card.

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. Our free credit score estimator can give you a rough idea of your individual credit standing.

Learn more: View details or apply for the Capital One Quicksilver Cash Rewards Credit Card.

Capital One QuicksilverOne Cash Rewards Credit Card Review

Capital One QuicksilverOne Cash Rewards Credit Card

Capital One Quicksilver vs. QuicksilverOne: Which Cash Back Card is Right for You?

In A Nutshell

If you don’t have the excellent credit needed to score some of the bonuses other Capital One credit cards offer, consider the Capital One QuicksilverOne Cash Rewards Credit Card. It’s a terrific card for average credit and you can still earn 1.5% cash back on all purchases with a modest $39 annual fee.

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In A Nutshell

If you don’t have the excellent credit needed to score some of the bonuses other Capital One credit cards offer, consider the Capital One QuicksilverOne Cash Rewards Credit Card. It’s a terrific card for average credit and you can still earn 1.5% cash back on all purchases with a modest $39 annual fee.

Read review Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Fair
Poor 500-599 Fair 600-699 Good 700-749 Excellent 750-850

What We Like:

  • 1.5% cash back on all purchases.

  • Be automatically considered for a higher credit line in as little as six months.

  • No foreign transaction fees and a modest $39 annual fee.

  • 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
  • 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
Intro APR Purchases N/A Intro Term Purchases N/A Intro APR Balance Transfers N/A Intro Term Balance Transfers N/A Regular APR 26.99% (Variable) Annual Fee $39

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Like Quicksilver, the Capital One QuicksilverOne Cash Rewards Credit Card gives you unlimited 1.5 percent 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, it may 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.

Learn more: View details or apply for the Capital One QuicksilverOne Cash Rewards Credit Card.

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.

If you’re uncertain about your credit situation, you can try our free credit score estimator.

Capital One Quicksilver Cash Rewards Credit Card and Capital One QuicksilverOne Cash Rewards Credit Card competitors to consider

If you’re attracted to the Quicksilver 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 percent cash back.

If you’re looking at the Capital 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 Card instead. 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.

Capital One Quicksilver Cash Rewards Credit Card details

Learn more: View details or apply for the Capital One Quicksilver Cash Rewards Credit Card.

Capital One QuicksilverOne Cash Rewards Credit Card details

Learn more: View details or apply for the Capital One QuicksilverOne Cash Rewards Credit Card.

Summary

The Capital One Quicksilver and QuicksilverOne cards both offer unlimited 1.5 percent cash back.

The Capital One Quicksilver Cash Rewards Credit Card is for consumers with good credit. As a result, it has no annual fee and offers a one-time $200 cash bonus after you spend $500 on the card in the first three months.

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.

View card detail pages for the Quicksilver or QuicksilverOne cards to apply.

Read More:

  • Best Credit Cards for Credit Scores between 600 and 649
  • Best Credit Cards for Credit Scores between 650 and 699

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