Capital One® QuicksilverOne® Cash Rewards Credit Card Reviews

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4.5 out of 5 stars
552 Reviews

From Cardholders in the last year

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Application Process

4.5 out of 5 stars

Customer Service

4 out of 5 stars

4.5 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR 24.99%* Variable
  • Annual Fee $39
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 24.99%* Variable

Our Take

The Capital One® QuicksilverOne® Cash Rewards Credit Card is a great choice for people with fair to good credit who are looking for a credit card with a straightforward cash back rewards program.

What to Like

Capital One® QuicksilverOne® Cash Rewards offers 1.5% cash back on all purchases

Look Out For

This card comes with an annual fee, so it’s important to weigh that against the cash back benefits. 


Most Helpful Positive Review

Jul 12, 2017
Capital One Gave Me A Chance!
LT9773 Cardholder

My credit score was in the very low 600's when I applied, but Credit Karma stated that it was a fair chance of me getting approved.  I know it didn't say good, but I applied anyway.  The application was at a standstill because they requested more information from me.  So don't be scared away if they do that to you.  I still was approved after they received all the neccessary documents.  Now my cs is 688/702/659 TransU/Equ/Exp respectively.  I pay my bill in full every month so I don't worry about the interest rate so much.  I would tell you to do the same, but if you can't, pay more than the minimum balance.  Take care of your card and it will show in your cs every month with an increase like mine.  CO gave me another chance because I also have the secured card with them with a small cl of $600.  The Quicksilver One cl is $1,000 with an increase in 5-6 months.  The customer service is professional, courteious, and knowledgeable about the questions I have.  I've never had a problem when I called them and I have called several times about my account.  Like I said, take care of your account and it will show in your cs.  Thanks for taking the time to read and I hope it helps!

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Most Helpful Negative Review

Oct 17, 2016
Anonymous Cardholder

Good for building your credit. Helped me when I was in a binder and helped get my score up in the process so I can now get better credit lines open. Only 3 stars because of the annual fee and high interest rate. Highly suggest if your in the process of building your credit score. 

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These reviews were written by current and former cardholders in the last year.

Sep 24, 2017
It's a good credit rebuilding card.
Ibmarcusb Cardholder

Customer service is normal and if you make your payments on time they will give credit increase. I've had it 5 months and got a limit increase of 500 automatically. If used responsibly, the card is worthwhile. I'm now 15 months out of chapter 7 discharge and have 3500 credit line with cap one and 650 with Credit One. My credit scores have slowly increased in 1 to 2 years on this path there hope for 700+ credit score again. Good luck to my credit challenges amigos!

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Sep 21, 2017
Works Magic
BT2001 Cardholder

Had this card since Nov2016.... increased to 500 after a 300 start. I use it monthly sometimes I pay off all or leave a balance under the 30% ratio. Just applied for the platnuim Sept 2017 approved for $300 initial. Increase after 6 months of ontime payments. I have two auto loans March2017 and Aug2017. Thank you capital one for second chance. I pay on time with no issues. Credit score was 530 I beleave. Now it's at 570, this rebuilding phase takes awhile but stick to it and it will work out just fine.

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Sep 19, 2017
Couldn't have been easier!
Anonymous Cardholder

I applied for this card when my  credit score was in the 580ish range. Upon approval, Capital One started me out with a limit of $300. I started using it for subscription services such as Netflix, Sirius XM, and small things... paying off the balance as soon as I was charged. Within 6 months, Capital One increased my limit to $500. Not only that, basic purchases racked up cash rewards. I currently have about $50 rewards cash that I haven't even used yet! My credit score has also jumped up around 20 points. The iPhone app is wonderful and makes checking your balance and making payments extremely simple. I can't recommend this card enough.

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Sep 23, 2017

How do they give you the rewards? As a credit to your balance or as a gift card?

Sep 16, 2017
Shocked that my application was accepted
rayallen34 Cardholder

Credit Karma has me at "good" odds of getting accepted. I already had a secured card with Capital One of 200$ and made payments for 7 months on time. I could do better with utilization. My scores were pretty poor. 522 TU and 556 EQ , but somehow my odds were good. Obvously I am not going to trust CK odds completely but I thought It was worth a shot. After waiting about 2 months after my odds became "good" I decided here goes nothing. Risking a hit of course. I pressed the button and to my surprise I was accepted for what seems like the lowest amount ($300). This was a shock. The one thing I can say is that I have done well in making on time payments with basically the only card I have. Also my score has gone up every month, from 375!!!!. Im hoping to improve it even more now.

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Sep 14, 2017
Anonymous Cardholder

I have had this card 2 yrs started with 500cl only have gotten 2 credit increases for 600 total 1100 never late pay in full denied a credit increase today last increase was about a year ago very disappointed with capital one

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Sep 13, 2017
great card good people to work with
Anonymous Cardholder

my credit was low but they gave me their card with no hassels it helpd raise my credit score a bit too

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Sep 13, 2017
Second Capital One card approved
ACEvins89 Cardholder

Last year I applied for the Capital One Platinum card because of CK's very good approval odds and I was immidiately approved. The Quicksilver Card has been hanging around in my "very good approval odds" so today I had an itch to apply and did so. I was approved right away. I was approved for the lowest CL of $300, I am okay with that as it is what I expected given my credit scores of mid to upper 500's. I am glad that Capital One has decided to take another chance on me. Admittedly, I have have 2-3 blunders with the first card and not paying on time so I was a little shocked that I was approved so easily. Since the late payments I have changed significantly and I pay the balance almost completely down each month. Hopefully in a few months with on time payments I can get my CL increased. I will ill update when that time comes.

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Sep 13, 2017
Best card for me. Thank you Capital One!
Izzy1967 Cardholder

I applied April 2016 with a credit score in the low 600.  I was approved with a $500 CL. My last CL was 6 months ago (March2017) for $1000.  I am currently at $3000 CL.  They have increased my CL from $500 to $1500 less then 6 months after I initially got the card. I was at times, paying in full before the due date or making larger or multiple payments. I love the reward program. Capital One gave me a chance when no one else would. I now also have the Platinum Card opened 7 months ago, I am currently at $1100 CL.  Started off with $500 then requested an increase a month later and was given an increase of $100( go figure) yet, a month after the $100 increase, I was automatically given an increase of $500.  I also have CapOne360 checking acct, a savings acct and in July was approved for an auto loan in order for me to refinance my car.  APR before refinancing with Capital One Auto was 18% , I'm now at under 13%.  Yes, I know, still high but slowing getting somewhere.  Do not be afraid to request an CL increase, even before the 6 month time period,  I have on a few occasions, was approved once and denied once.  Their reasoning was that I had recently received an increased.  Simply log in, click on account services and go to ''offers and upgrades'', they do not do a credit inquiry when requesting a credit limit and the worse then can say is no....  Good luck to you all...

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Sep 21, 2017

Update as of 9/21/17...
After having the Capital One Platinum Card for 7 months, I decided to see if I could combine it with the QuickSilverOne and just close the card. CL $1100 for the Platinum card & $3000 for the QuickSilverOne. I was able to do so & I'm now at $4100 CL. This was done last week. Well, I tried pushing my luck a bit yesterday, after reading so many positive comments regarding the QuickSilver credit card. I decided to log in to see if there was an option to upgrade online w/o having to call CapOne when the chat box pops up asking if I need help. Well, yes I surely do...I proceeded to ask the agent if there was a way I could qualify for an upgrade. I'm asked to wait a few minutes while he checks my account to see if I'm eligible for an upgrade. (I so hate the wait) lol. Anyway, .I'm expecting a NO, thinking I'm pushing the envelope but he tells me that I do qualify for the upgrade. Account reflects the changes right away, no change in the CL since it's an upgrade and not a new account but that's ok, will request a CL increase in a month or 2....No credit inquiry was done which was nice. I was afraid to apply for the card as CK has my odds as ''poor'' so instead of applying & being ''rejected'', I decided to see if I could get an upgrade . FYI: The cc accounts have to be opened for at least 6 months in order to combine and have a $0 balance on at least one of the cards. Stay optimistic, pay the balance in full before the due date when able to do so , off course or pay more than the minimum due each month. Rebuilding one's credit, is a very tedious process as you all know. I'm still a long way from where I need to be but don't mind the baby steps if they're going to take me to a better place financially. Trying very hard to fix the mess I've created....Good luck to all

Sep 12, 2017
Perfect for rebuilding credit
Anonymous Cardholder

I applied for this credit card with a score in the 400's in February 2017. I was approved with a $200 deposit and 200CL. I paid my card off every month. After 6 months my credit score was just over 600! My limit was raised to $500. I then applied for the unsecured card Quicksilver One with Capital One and I got approved for 300CL! My first unsecured card in years! If you use your cards responsibly it will off quickly! This company took a chance on me! Thanks Capital One!!!!

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Sample Size: 6,456
Data Created: February 02, 2015

Note: Sample data consists of Credit Karma members who hold this card.
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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

Capital One® QuicksilverOne® Cash Rewards Credit Card

552 Reviews
Cardholders' Choice i