Capital One QuicksilverOne Credit Card Review: Earning Rewards with Fair Credit
Date of Last Update: November 19, 2025
The Capital One QuicksilverOne Credit Card is designed for people who have fair or average credit but still want to earn rewards on their 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, and the content on this page is for informational purposes only. We expect to have the official links available in the near future. Please check back soon.
At a Glance: Key Features & Rates
Key Benefits: The Advantage of Rewards
1. Unlimited 1.5% Cash Back: The main draw is the flat 1.5% cash back on every purchase, every day. This is a competitive rate even for prime cards.2. No Foreign Transaction Fees: A great perk for a fair-credit card, making it usable internationally without extra charges.
3. Credit Monitoring Tools: Access to CreditWise from Capital One for free credit score monitoring.
4. Potential for a Higher Credit Line: Capital One automatically considers you for a credit limit increase in as little as 6 months. Learn more about qualifying for a limit increase in our full guide.
Drawbacks: The Trade-Off for Rewards
1. $39 Annual Fee: You must spend enough to earn at least $39 in cash back just to break even on the fee.2. High APR: The variable APR is very high. It is crucial to pay your balance in full every month to avoid expensive interest charges.
4. No 0% Intro APR: There is no introductory period for interest-free purchases or balance transfers.
QuicksilverOne vs. Capital One Platinum
The choice is simple:Next Steps
The Capital One QuicksilverOne is a rare option for those with fair credit seeking a rewards card. Keep checking back for the official application link, which we anticipate will be available in the near future.Found this guide helpful? Bookmark it for future reference as you continue your financial journey!
Experian Boost: A Comprehensive Guide to Boosting Your Free Credit Score
FICO® Credit Scores
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
What is a Credit Score?
A credit score is a three-digit number, typically ranging from 300 to 850, that predicts your creditworthiness—how likely you are to repay borrowed money on time. Lenders use this score to assess the risk of lending to you and to determine the interest rates and terms of any credit you might receive.
Why is a Credit Score Important?
A credit score is important because it acts as your financial reputation. Lenders, landlords, insurers, and employers use this single number to quickly judge how reliable you are with money. A higher score helps you qualify for loans and credit cards, often securing lower interest rates that can save you significant money. Conversely, a poor credit score can lead to application denials or much higher costs for borrowing, making it a key factor in your overall financial opportunities.
FICO® Credit Score Facts
- Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.
- Range: Most standard FICO® Scores range from 300 to 850. Higher scores indicate lower credit risk.
- Data Source: FICO® Scores are calculated using data from your credit reports maintained by the three major credit bureaus: Experian, Equifax, and TransUnion. Your score may vary slightly depending on which bureau's data is used.
- Industry Standard: Lenders rely on FICO® Scores for mortgages, auto loans, and credit cards because they provide a consistent, statistically sound assessment of the likelihood that a borrower will repay their debt.
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
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