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Capital One® QuicksilverOne® Review

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Capital One® QuicksilverOne® Review

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Capital One QuicksilverOne

Capital One QuicksilverOne

Overview: Your credit card should pay you. Each time you swipe, you have a valuable opportunity to earn cash back on your everyday purchases you already make. The QuicksilverOne® card from Capital One® offers exactly that.

Full Card Review

This card makes earning cash back easy. With the QuicksilverOne® Cash Rewards credit card, you don’t have to worry about rotating categories or which card to use at each store. No matter where you shop, you’ll earn an unlimited 1.5% cash back.

Your cash back rewards do not expire, and you can redeem at any time. Then use your cash back for whatever you choose. Your rewards are not limited to travel rewards and gift cards. This is simple cash back rewards that works.

New account holders enjoy nine months at 0% APR. This introductory period is perfect for holiday shopping. After the 0% intro period ends, the card charges 23.24% variable rate APR.

The QuicksilverOne® cards is designed for people with average credit. If you have defaulted in the past five years or have a limited credit history, this card is for you. After five months of on-time payments, Capital One will increase your credit limit. Cardholders and non-cardholders alike have access to CreditWise® from Capital One®, a credit monitoring tool built to help you improve your credit.

This card comes loaded with standard benefits including extended warranty, price protection, auto rental insurance, travel accident insurance, travel assistance, and roadside assistance.

The card charges a $39 annual fee. While an annual fee may turn you away from some cards, consider the benefits compared to the fee before you dismiss the card. If you spend $250-$275 per month on the card on average, which most people easily do between groceries and gas, you will earn enough to cover the fee. Any additional spending is cash back in your pocket!

Rewards and Benefits

  • 1.5% cash back everywhere you shop
  • Credit line increase after five months of on-time payments
  • Benefits including fraud, purchase, and travel protection
  • 0% APR for nine months after opening a new account

Requirements, Costs & Fees

  • 23.24% APR after intro period
  • 3% ($10 minimum) fee for cash advances
  • $35 late payment fee
  • Apply for a Capital One QuicksilverOne Card

    Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by Capital One.

    Advertiser Disclosure: The card offers that appear on this site are from companies from which SmartAsset.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SmartAsset.com does not include all card companies or all card offers available in the marketplace.