Capital One® QuicksilverOne® Cash Rewards Credit Card Review

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Our Detailed Review of This Card

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If you have fair or average credit (usually considered a score of 620 or higher) and want a great cash back card, the Capital One® QuicksilverOne® Cash Rewards Credit Card is an excellent choice.

The Capital One® QuicksilverOne® Cash Rewards Credit Card earns an unlimited 1.5% cash back on all purchases, meaning you don’t have to worry about changing categories or spending limits. What’s more, your cash back rewards don’t expire for the life of the account. The highest flat cash back of any card we’ve reviewed is 2%, so 1.5% is a great rate for not-so-perfect credit. The card does have a $39 annual fee, but its rewards and perks exceed most of the competition, so we think it’s still worthwhile.

Cash rewards earned with this card are easy to redeem at any time, for any amount in the form of a check, gift card or statement credit. You can even set up automatic redemption, whether at a set time each calendar year or when a specific threshold (e.g., $25, $50, $100 or $200) has been reached.

Additionally, the Capital One® QuicksilverOne® Cash Rewards Credit Card has several features that can help you protect and improve your credit. You can easily monitor your credit profile with the CreditWise® app as well as get customized alerts and manage your account with the Capital One mobile app. And you can rest easy knowing that there is $0 fraud liability if your card is ever lost or stolen.

If you have good to excellent credit (usually considered a credit score of 700 or higher), you may prefer the Capital One® Quicksilver® Cash Rewards Credit Card, which earns the same fixed cash back rate with no annual fee and offers an intro bonus, lower APR and a variety of additional perks. But for those with fair to average credit, this is a cash back card we highly recommend for its nice fixed cash back rate.

Rewards

  • Earn unlimited 1.5% cash back on every purchase, every day.
  • No rotating categories and no sign ups needed to earn cash rewards.

Redeem Rewards

  • Redeem cash rewards any time for any amount, and even set up automatic redemption.
  • Cash can be redeemed in the form of a check, gift card or statement credit.

Fees and APR

  • Annual Fee: $39.
  • Foreign Transaction Fees: None.
  • Purchase APR: 26.99% (Variable).
  • Balance Transfer APR: 26.99% (Variable).
  • Balance Transfer Fee: $0.
  • Terms and Conditions
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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.