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Pros & Cons
Pros
- +Purchase protection included
Cons
—
Our Review
Unlock Rewards & Build Credit with the Capital One QuicksilverOne® Cash Rewards Credit Card
- 1.5% unlimited cash back on every purchase, every day
- $39 annual fee
- No sign‑up bonus—earn instantly on everyday spend
- No 0% intro APR—standard variable APR applies from day one
- No foreign transaction fees
- Automatic credit line reviews starting at 6 months for responsible use
- Designed for fair credit—a great step toward stronger standing
Whether you’re covering groceries, gas or grabbing coffee, this card makes every dollar count with a simple flat rate—no categories to track. While it carries a modest annual fee, your consistent 1.5% back on all purchases and the chance for a higher limit down the road help you grow both rewards and credit. Manage your account seamlessly in the Capital One® mobile app, lock and unlock your card instantly if misplaced, and watch your cash back add up month after month.
Terms apply. Ongoing APR: 29.74% variable. Annual fee $39. Cash back has no expiration as long as account remains open. See issuer for full details.
Rewards
All Spending
1.5x
Cash Back pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
45,000
Cash Back/yr
Estimated Value
$450
After Fees
+$411
1st Year Value
$411
incl. welcome bonus
Breakdown
Perks & Benefits
Concierge
24/7
Additional Benefits
Travel Insurance
Trip Cancellation
Up to $1,500
Trip Interruption
Up to $1,500
Delayed Baggage
Up to $300
Lost Baggage
Up to $3,000
Travel Accident
Up to $1,000,000
Purchase Protection
Purchase Protection
Up to $1,000 / 90 days
Extended Warranty
+1 years
Auto Rental Collision (secondary, primary abroad)
Included
Price protection
Included
Fees and interest rates
- Annual Fee$39
Terms & Conditions
Card Features
- 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
- 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
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Capital One. All trademarks are property of their respective owners.
