Capital One QuicksilverOne Credit Card Review: Earning Rewards with Fair Credit
Date of Last Update: March 14, 2026
The Capital One QuicksilverOne Credit Card is designed for people with fair or average credit who want to earn rewards on everyday spending. Unlike the Platinum card, which has no rewards, the QuicksilverOne offers a simple, flat cash back rate. This review will help you decide if paying an annual fee is worth earning rewards while building your credit history.
Affiliate Disclosure: We are not currently affiliated with Capital One. This content is informational only. Check back soon for official links.
At a Glance: Key Features & Rates
- Annual Fee: $39
- Foreign Transaction Fees: None
- Issuer: Capital One
- Network: Mastercard
- Credit Score Required: Fair, Average, or Limited Credit (FICO 580-669). See our detailed guide for specific FICO scores and income requirements.
- Variable APR: 28.99% on purchases and balance transfers
- Rewards Program: Yes
Key Benefits: The Advantage of Rewards
- Unlimited 1.5% Cash Back: Flat 1.5% cash back on every purchase.
- No Foreign Transaction Fees: Usable internationally without extra charges.
- Credit Monitoring Tools: Access to CreditWise from Capital One for free credit score monitoring.
- Potential for a Higher Credit Line: Automatic consideration for a credit limit increase in as little as 6 months. Learn more here.
Drawbacks: The Trade-Off for Rewards
- $39 Annual Fee: Need to spend enough to earn at least $39 in cash back to break even.
- High APR: Crucial to pay your balance in full each month to avoid interest charges.
- No 0% Intro APR: No introductory period for interest-free purchases or balance transfers.
QuicksilverOne vs. Capital One Platinum
- Choose QuicksilverOne if: You spend enough monthly to justify the $39 fee and want cash back immediately.
- Choose Platinum if: You want a zero-cost credit building tool without rewards. See the full review: Capital One Platinum Credit Card Review.
- Head-to-head comparison: Capital One Platinum vs. QuicksilverOne.
Next Steps
The Capital One QuicksilverOne is a rare option for fair-credit users seeking rewards. Keep monitoring for the official application link when it becomes available.
Found this guide helpful? Bookmark it for future reference as you continue your financial journey!
FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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