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Credit card review

Capital One QuicksilverOne Cash Rewards Credit Card review

A rewards path for readers with fair credit who may not yet qualify for the strongest no-fee cards.

Review snapshot See issuer terms

Snapshot

What to know first

Issuer
Capital One
Network
Mastercard
Annual fee
$39
Credit profile
Fair credit
Best fit
Fair-credit cash back
Categories
Cash back, Build credit

BillSaver take

Use this card only if the fit is clear

A rewards path for readers with fair credit who may not yet qualify for the strongest no-fee cards.

Watch out: The annual fee and high APR mean it only works if the balance is paid in full and rewards exceed the fee.

Pros

  • A rewards path for readers with fair credit who may not yet qualify for the strongest no-fee cards.
  • 1.5% cash back on all purchases and 5% on hotels and rental cars booked through Capital One Travel. Annual fee: $39.
  • Intro APR value: No standard intro APR offer.

Cons

  • The annual fee and high APR mean it only works if the balance is paid in full and rewards exceed the fee.
  • The annual fee needs to be justified by spending, credits, or cardholder habits: $39
  • Balance transfers are not free: Balance transfer fee applies.

Best for

  • Readers who want fair-credit cash back and match a fair credit profile.
  • Households comparing Cash back, Build credit options and willing to verify current issuer terms before applying.
  • People who can make the annual fee math work before chasing rewards or credits.

Skip if

  • You will carry a balance after any intro period; interest can erase rewards quickly.
  • The main trade-off is a deal-breaker for you: The annual fee and high APR mean it only works if the balance is paid in full and rewards exceed the fee.
  • You are not sure the rewards or credits will exceed the annual fee in a normal year.

Terms snapshot

Rewards
1.5% cash back on all purchases and 5% on hotels and rental cars booked through Capital One Travel.
Welcome offer
No standard welcome bonus.
Intro APR
No standard intro APR offer.
Regular APR
28.99% variable APR.
Balance transfer fee
Balance transfer fee applies.
Foreign transaction fee
$0

Issuer terms and source check

BillSaver summarizes publicly available terms for comparison. Before applying, read the issuer terms page directly and confirm rewards, APRs, fees, welcome offer requirements, transfer rules, credits, and eligibility restrictions.

Open issuer terms for Capital One QuicksilverOne Cash Rewards Credit Card

How BillSaver evaluates this card

We compare the card against the job a reader is likely hiring it to do: rewards, debt breathing room, travel value, student use, business spending, or credit building. The review weighs annual fee, reward simplicity, APR exposure, intro period, transfer cost, foreign transaction fee, credit profile, issuer terms access, and the practical trade-off called out above.

Credit card terms, welcome offers, APRs, credits, and eligibility rules can change without notice. BillSaver summarizes publicly available card terms for comparison only; verify rates, fees, rewards, and offer language with the issuer before applying. BillSaver may earn compensation from some product links when approved relationships exist; compensation does not replace issuer terms or editorial fit. Source: issuer terms page linked above. Last checked May 18, 2026. Read the BillSaver credit card methodology and advertising disclosure.