Capital One® QuicksilverOne® Rewards Credit Card

Capital One® QuicksilverOne® Rewards Credit Card

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8.9/10 (Expert Score)
Product is rated as #3 in category Cash Back
PROS:
  • 1.50% purchase yield
CONS:
  • $39 annual fee
  • Higher APR - 26.99%

Last Updated on January 17, 2021

The Capital One® QuicksilverOne® Rewards Credit Card is targeted toward those who may not quality for the similarly named, Capital One® Quicksilver® Rewards Credit Card.

This unlimited cash back credit card offers an unlimited 1.5% cash back rate but carries a $39 and a considerably higher interest rate (at the time of this writing the APR is 26.49% versus the 15.74% to 25.74% – depending on credit quality – of the QuickSilver® card).

If you generally carry a balance or charge less than $2,600 (the amount needed to offset the $39 annual fee based on a 1.5% purchase yield), you may want to consider a different card.

CARD DETAILS

Issuer & Payment Network

Issuer

Capital One®

Payment Network

Visa

Network Benefit Level

Platinum

Estimated Purchase Yield

Estimated Purchase Yield

1.50%

Notes

Unlimited 1.5% cash back

Bonus Offers

Bonus Offer Value

No Current Bonus Offers

Bonus Offer

No Current Bonus Offers

Ongoing Bonuses

Not Applicable (This is a cash back card)

Estimated Annual Card Value

Yr 1 @ $5k in Purchases

$36

Yr 1 @ $15k in Purchases

$186

Yr 1 @ $30k in Purchases

$411

Yr 2+ @ $5k in Purchases

$36

Yr 2+ @ $15k in Purchases

$186

Yr 2+ @ $30k in Purchases

$411

Valuation Notes

Value of rewards at stated annual purchasing level less the annual fee.

Airport Lounge Access

Lounge Access?

No

Lounge Network

Not Applicable

Guests

Not Applicable

Access Restrictions

Not Applicable

Reward Points

Do Points Expire?

No - You can redeem cash back at any time in any amount

Redemption Options

Cash, Gift Cards and Statement Credit

Can Points Be Transferred?

Not applicable (This is a cash back card)

Fees & APRs

Annual Fee

$39

Foreign Transaction Fees

None

Late Payment Fee

Up to $40

APR - Intro (Purchases)

Intro Rate Not Offered

APR - Intro (Balance Transfers)

Intro Rate Not Offered

APR - Cash Advance

26.99% + $10 or 3% transaction fee (whichever is greater)

APR - Regular (Purchases)

26.99%

APR - Regular (Balance Transfers)

26.99% (No Fee)

Grace Period

25 days after close of each billing cycle

Protections & Services

Zero Liability Protection

Yes

Purchase Protection

No

Extended Warranty Protection

No

Trip Cancellation / Interruption

No

Auto Rental Collision Damage Waiver

No

Other Items

Recommended Credit Level

Good+ (FICO Score: 670+)

Link to Issuer Website

https://www.capitalone.com/credit-cards/quicksilverone/

Date Information Confirmed

January 17, 2021

Capital One® QuicksilverOne® Rewards Credit Card
Capital One® QuicksilverOne® Rewards Credit Card
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