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.

¢/ point
0.50¢
Groceries1.5x
$700/mo
Gas & EV1.5x
$200/mo
Transit1.5x
$100/mo
Restaurants1.5x
$300/mo
Pharmacy1.5x
$50/mo
Travel1.5x
$150/mo
Bills & recurring payments1.5x
$250/mo
Telecom1.5x
$150/mo
Entertainment & streaming1.5x
$100/mo
Office supplies1.5x
$0/mo
All other spending1.5x
$500/mo

Points Earned

45,000

Cash Back/yr

Estimated Value

$450

After Fees

+$411

1st Year Value

$411

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 1.5x12,600 pts
Gas & EV$2,400/yr × 1.5x3,600 pts
Transit$1,200/yr × 1.5x1,800 pts
Restaurants$3,600/yr × 1.5x5,400 pts
Pharmacy$600/yr × 1.5x900 pts
Travel$1,800/yr × 1.5x2,700 pts
Bills & recurring payments$3,000/yr × 1.5x4,500 pts
Telecom$1,800/yr × 1.5x2,700 pts
Entertainment & streaming$1,200/yr × 1.5x1,800 pts
All other spending$6,000/yr × 1.5x9,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1.5x
Total points earned45,000 pts
Value of points accumulated in the first year$450

Perks & Benefits

Concierge

24/7

Additional Benefits

Automatic credit line reviews: be automatically considered for a higher credit line in as little as 6 months. CreditWise from Capital One: unlimited access to your credit score and tools to monitor your credit profile, free and available to anyone whether or not you have a Capital One product. Fraud coverage: $0 fraud liability if your card is ever lost or stolen. Rewards do not expire for the life of the account and you can redeem cash back for any amount, for cash, to cover a recent purchase or for gift cards. Concierge Services: assistance with travel and restaurant reservations, gift arrangements, event tickets, business services and more, 24 hours a day, seven days a week; the costs for goods or services purchased through Concierge Services are the cardholder's responsibility. Travel and Emergency Assistance Services: available 24 hours a day, 365 days a year to connect you with the appropriate local emergency and assistance resources, including emergency message service, emergency ticket replacement, lost luggage locator and emergency translation — these services provide assistance and referral only, and you are responsible for the cost of any actual medical, legal, transportation, cash advance or other services or goods provided.

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

View the insurance certificate (PDF)

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.