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Capital One QuicksilverOne Cash Rewards

Flat-Rate Cash Back

Rewards Value
star 3
Features
3
APR
2
Rewards Flexibility
3
Issuer Customer Experience
3

Rewards Rate

10%

off certain orders from Uber Eats

Welcome Bonus

10% off Uber Eats

APR

or Max 30.49% Variable APR

Pro & Cons

  • pros icon Unlimited 1.5% cash back on everyday purchases
  • pros icon 5% cash back on rental cars and hotels booked through Capital One Travel
  • pros icon Low eligibility requirements
  • pros icon Comes with a free 6-month Uber One membership
  • cons icon High annual percentage rate
  • cons icon Limited benefits or perks
  • cons icon $39 annual fee

Capital One QuicksilverOne Cash Rewards

The Capital One QuicksilverOne Cash Rewards Credit Card is designed for individuals with fair credit who are looking for unlimited cash back on everyday purchases. It comes with an annual fee of $39 and a 30.49% variable APR.

Cash back

U.S. Bank Cash+ Visa Signature Card

U.S. Bank Cash+ Visa Signature Card
6
star star star star star

Good for:

Rewards variety

See your approvle odds
5%

by selecting two categories such as food, utilities, electronics, internet, gyms, or furniture for each calendar quarter.

2%

To receive the cash back, choose one category from options like food, utilities, or electronics each calendar quarter.

Business

Capital One Spark Cash Plus

Capital One Spark Cash Plus
8
star star star star star

Good for:

Flat-Rate Cash Back

See your approvle odds
2%

cash back on every purchase

5%

cash back on purchases for hotels and rental cars booked through Capital One Travel

$1,200

cash bonus if you spend at least $30,000 (conditions apply)

Travel

Capital One SavorOne Cash Rewards

Capital One SavorOne Cash Rewards
8
star star star star star

Good for:

Variable Rate Cash Back Rewards

See your approvle odds
10%

cash back on select purchases (through Uber and Uber Eats) — good through November 14, 2024

8%

cash back on Capital One Entertainment purchases

5%

cash back on rental cars and accommodations purchased through Capital One Travel

3%

cash back on qualifying entertainment purchases, dining, groceries, and popular streaming services

1%

cash back on other purchases

$200

cash bonus when you spend at least $1,000 within 3 months of opening an account

0%

introductory APR on both balance transfers and purchases made in the first 15 months

Rewards Redemption

You can redeem your cash back rewards by requesting a physical check, gift card, or a statement credit. Or you can set up automatic redemption, which will redeem points for you on specific dates or upon earning a certain amount. Points can also be used via Capital One Travel.

Terms, Rates and Fees

The QuicksilverOne Cash Rewards Credit Card comes with a variable APR of 30.49%, which is based on the current prime rate. It also comes with a $39 annual fee, a 3% balance transfer fee, a 3% or $3 cash advance fee (whichever is greater), and a $40 late payment fee.
The credit limit depends on the user’s creditworthiness. However, the card issuer will automatically review and potentially raise the limit after 6 months.
When using this card, the minimum payment amount is either $25 or 1% of your current balance, whichever is higher. It will also include interest and other fees, as applicable.
Although it has a high variable APR, this card comes with standard terms for a credit card geared toward people who are still building credit.

Maximize Benefits and Avoid Fees

Here are some ways to maximize the benefits of this card, while also avoiding potential fees and charges:

  • Take advantage of the cash back. This card offers an ongoing value in the form of unlimited 1.5% cash back on all purchases. It also comes with higher cash back options on select purchases.
  • Use the Uber One benefit. Upon opening an account, you’ll get 6 months free access to Uber One benefits. This first-year value is particularly useful if you already use Uber or Uber Eats for food delivery and groceries.
  • Pay off your balance. To avoid the high APR, pay off your balance each month before interest gets charged to your account.

How to Apply

  • To apply online, go to the Capital One website, hover over the “Credit Card” tab at the top of the page, and select “Cash Back Rewards.”
  • Next, choose “See Cards” for Quicksilver & QuicksilverOne Rewards.
  • Select “QuicksilverOne Rewards.” This will take you to this card’s information page.
  • Review the card’s terms and conditions, then select “Apply Now” to begin the application.
  • The application only takes a few minutes to fill out. You’ll need to provide some information, such as your name, date of birth, SSN or ITID, citizenship status, residential address, email address, phone number, employment status, highest level of education completed, annual income, mortgage or rent payment, and whether you have a bank account. You can also choose to go paperless and authorize your SSN at this point.
  • Review the important disclosures and click continue.
  • Once you press continue, look over your information and make any necessary changes. If everything looks good, proceed to applying for the card.

Qualification Requirements

  • Fair credit or better
  • 18 years or older
  • US citizenship or residency
  • Sufficient income

Requirement

Description

Credit score & credit history

Fair credit (580+)
No active bankruptcy
No active credit security freeze or credit lock

Income

Monthly income must be at least $425 higher than your rent or mortgage payment

Job-status

Proof of sufficient income or employment

Citizenship/residency

US citizen or permanent resident

Age

Must be at least 18 with either an SSN or Individual Taxpayer Identification Number

Required documents

N/A

What Makes This Card Appealing?

One major perk of the QuicksilverOne Cash Rewards Credit Card is that it comes with unlimited cash back on everyday purchases. It also has a low credit score requirement, which could be beneficial for those with poor credit or limited credit history who want to build credit.