12
Benefits1
Reward Categories1.5x
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed) 1 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| All Other Purchases | 1.5x | Cash Back | Earn unlimited 1.5% cash back on every purchase, every day. | No Cap |
Rewards Summary
PENDINGReward Type: Cash Back
Base Rate: 1.5x
Quarterly Rotating: No
Expiration Policy: Rewards don't expire for the life of the account.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 12 Total
PENDINGAccount Management 1
Credit Limit Increase Eligibility
Higher credit lineBe automatically considered for a higher credit line after making your first 6 monthly payments on time.
Purchase Protection 2
Extended Warranty Protection
Up to 1 additional yearExtends the manufacturer's original warranty for eligible items purchased with your Capital One card for up to one additional year on warranties of one year or less. Specific terms, conditions, and exclusions apply. Refer to your Guide to Benefits for details.
Purchase Assurance
90 days from purchaseCovers eligible items purchased with your Capital One card against theft or damage for 90 days from the date of purchase. Specific terms, conditions, and exclusions apply. Refer to your Guide to Benefits for details.
Rewards 1
Unlimited 1.5% Cash Back
1.5% cash backEarn an unlimited 1.5% cash back on every purchase, every day, with no rotating categories or sign-ups needed.
Security 5
$0 Fraud Liability
$0 liabilityYou are not responsible for unauthorized charges if your card is lost or stolen.
Account Alerts
Real-time notificationsGet alerts via email or text if Capital One detects potential fraud or unusual activity on your account.
Virtual Card Numbers (Eno)
Enhanced online securityUse Eno, your Capital One assistant, to generate virtual card numbers for online shopping, helping to protect your actual card number from being exposed.
Security Freeze (Card Lock)
Instant card lock/unlockInstantly lock your card from the Capital One Mobile app if it's lost or stolen, and unlock it just as easily.
Mastercard ID Theft Protection
Identity theft resolution servicesProvides identity theft resolution services, including an ID Theft Alerts system that monitors your personal information and a team of experts to help restore your identity if it's stolen. Enrollment required.
Travel 1
Mastercard Global Service
24/7 emergency assistanceProvides 24/7 assistance with lost and stolen card reporting, emergency card replacement, and emergency cash advance services worldwide.
Travel Insurance 2
Auto Rental Collision Damage Waiver
Coverage for collision/theft of rental carProvides coverage for damage due to collision or theft of an eligible rental vehicle when you use your Capital One card to pay for the rental and decline the rental company's collision damage waiver. Coverage is secondary to other insurance. Specific terms, conditions, and exclusions apply. Refer to your Guide to Benefits for details.
Travel Accident Insurance
Coverage for accidental death/dismembermentProvides coverage for accidental death or dismemberment when you use your eligible Capital One card to purchase your common carrier fare. Specific terms, conditions, and exclusions apply. Refer to your Guide to Benefits for details.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $39.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $39.00 |
| Authorized User Fee: | $0.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either 3% of the amount of each transferred balance or $3, whichever is greater. |
| Cash Advance: | Either 5% of the amount of each cash advance or $5, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Balance Transfer APR: 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, the Capital One QuicksilverOne card is primarily designed for individuals with fair credit (typically FICO scores in the 580-669 range) who are looking to build or rebuild their credit history. Eligibility generally requires no recent bankruptcies, foreclosures, or defaults. Capital One is known for its strict application rules, often limiting new card approvals to one Capital One card every 6 months, and may decline applicants with a high number of recent credit inquiries or new accounts across all issuers. The QuicksilverOne card typically does not offer a sign-up bonus. While not directly applicable to QuicksilverOne, Capital One maintains a strict 'once per lifetime' bonus restriction on premium cards like Venture X, meaning applicants who have previously received the bonus for Venture X (or a similar premium card) may be ineligible for future bonuses on that specific product line.
Max Cards Per Issuer: 5
Min Spend Interval: N/A - This card typically does not offer a sign-up bonus requiring a minimum spend.
Cliff Effect Rules: Capital One often has product families allowing upgrades/downgrades (e.g., from QuicksilverOne to a no-annual-fee Quicksilver after responsible use). However, bonus eligibility for premium cards like Venture X is subject to a 'once per lifetime' rule, meaning receiving a bonus on a specific premium product line may preclude future bonuses on that same product line, regardless of holding other Capital One cards.
Special Events: N/A
Holiday Promos: N/A
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
Easy to get approved for building credit; Simple, unlimited cash back rewards; No foreign transaction fees; Opportunity for credit limit increases.
Top Negative:
High annual fee for the rewards; Very high APR; Low initial credit limit; Better cards available once credit improves.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Capital One Platinum Secured Credit Card
- Capital One Quicksilver Cash Rewards Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $111.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: February 2024