Capital One QuicksilverOne Cash Rewards Credit Card
Basic Information
Program ID: quicksilverone
Issuer: Capital One
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 11:53
Last Scraped: 01/15/2026 06:42
Fee Structure
| Annual Fee: | $39.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $39.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transfer |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 3,399.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 3,399.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 3,399.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after meeting the spending requirement, often appearing on the statement following the month the requirement is met.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.50%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Hotels, 5x Rental Cars (booked via Capital One Travel)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 580 - 669
Approval Odds Category: Fair
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: Eligibility for the Capital One QuicksilverOne card in 2026 is primarily for individuals with fair or average credit (typically FICO scores in the 580-669 range). Applicants should generally not have declared bankruptcy in the last 5-7 years or had a Capital One account charged off within the last year. Capital One typically enforces an application velocity rule, limiting new card approvals to one every six months across all its products. The QuicksilverOne card usually does not offer a traditional sign-up bonus. If a promotional offer is introduced, standard Capital One bonus eligibility rules would apply, generally requiring that the applicant has not received a bonus for this specific card in a specified timeframe (e.g., 24-48 months). The 'Venture X once per lifetime' bonus restriction is specific to the Venture X product and does not directly apply to the QuicksilverOne card, but it illustrates Capital One's broader strategy of implementing specific bonus eligibility rules per product.
Maximum Cards Per Issuer: 2
Minimum Spend Interval: N/A (Card typically does not offer a sign-up bonus)
Shutdown Risk Triggers: Manufactured spending, bust-out risk (sudden large spending followed by non-payment), high cumulative credit limit across Capital One cards, rapid application for multiple credit products (especially within Capital One), significant changes in spending patterns inconsistent with historical behavior, non-payment or late payments, suspected fraud.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Easy approval for fair credit, flat 1.5% cash back on all purchases, no foreign transaction fees, potential for credit limit increases over time.
Top Negative Feedback:
Has an annual fee ($39), relatively low initial credit limits, better rewards cards available for those with good credit.
Approval Experience Score: 80.5 / 100
Recommended Alternatives
- Capital One Platinum Secured Credit Card
- Capital One Quicksilver Cash Rewards Credit Card
- Discover it Secured Credit Card
Card Value Score: 68.0 / 100
Est. Annual Rewards: $111.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 24 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: March 2024