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Capital One Quicksilver vs. Capital One QuicksilverOne compared

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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% 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

Capital One Quicksilver Cash Rewards Credit Card

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See Rates & Fees.

  • Earn a 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
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • 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; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Annual Fee Intro APR, Purchases Intro APR, Balance Transfers Regular APR Credit Needed
$0 0% intro on purchases for 15 months 0% intro on balance transfers for 15 months 19.99% - 29.99% (Variable)
  • Excellent
  • Good

Capital One Quicksilver Cash Rewards Credit Card gives you 1.5% 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 once you spend $500 on purchases within 3 months from account opening.

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. Get an idea of your individual credit standing with the help of free credit reports and scores.

» MORE: See card details/apply or read our full Capital One Quicksilver Cash Rewards Credit Card review

Capital One QuicksilverOne Cash Rewards Credit Card

Capital One QuicksilverOne Cash Rewards Credit Card

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See Rates & Fees.

  • 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
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • 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
Annual Fee Intro APR, Purchases Intro APR, Balance Transfers Regular APR Credit Needed
$39 N/A N/A 30.74% (Variable)
  • Average
  • Fair
  • Limited

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

» MORE: See card details/apply or check out our Capital One QuicksilverOne Cash Rewards Credit Card review

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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.

Competitors to consider

If you’re attracted to the Capital One Quicksilver Cash Rewards Credit 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% cash back (See Rates & Fees.).

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 (See Rates & Fees.).

» MORE: Best Capital One Credit Cards

Summary

Both these cards offer unlimited 1.5% cash back.

The Capital One Quicksilver Cash Rewards Credit Card is for consumers with good credit.

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 (See Rates & Fees.).

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