| Rewards | Unlimited 1.5% cash back on every purchase, every day. Unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel. |
|---|---|
| Signup Bonus | None |
| Annual Fee | $39 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 28.99% (APR is subject to change) |
| Cash Advance Fee | 5% of the amount of each cash advance (minimum $5) |
| Late Payment Fee | Up to $40 |
| Purchases APR | About 28.99%?variable APR on purchases (no introductory APR) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Capital One QuicksilverOne Credit Card is known for its straightforward 1.5% cash back on every purchase, a modest $39 annual fee, and its focus on people with fair or average credit. There’s no signup bonus, but rewards don’t expire as long as your account stays open.
Most users say they like how simple and predictable the card is. Many reviewers mentioned that it’s easier to get approved than premium cash-back cards, and they appreciate the ability to earn rewards while building or rebuilding credit. Cardholders also note that Capital One’s app and customer support make managing the account convenient.
On the flip side, users often complain about the high ongoing APR and the fact that 1.5% cash back is lower than other cards. Some also feel the annual fee is a drawback since there’s no bonus or rotating categories to offset it.
Personally, I think this card is a solid choice if your main goal is credit building with some rewards on everyday spending. It’s worth applying for if you have fair credit, but those looking for higher cash back or no annual fee might find better value elsewhere.
RATE THIS CREDIT CARD
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Easy approval but costly in the long run
I got this card when my credit wash shaky, and it did helped me build credit with reported history. Still, the low rewards and annoying fees quickly outweighed the few cash back dollars I earned, useful for emergencies, but not much else.
