Capital One Quicksilver vs. QuicksilverOne Compared

The Quicksilver and QuicksilverOne credit cards from Capital One are both rewards credit cards that pay 1.5 percent cash back on all of your purchases. The underlying difference between the two cards is the credit required for approval.

The Quicksilver card is aimed at consumers with “good” credit or better. By comparison, the QuicksilverOne card is available to consumers with “fair” or limited credit.

Although the Quicksilver card offers more creditworthy consumers more favorable terms, I think the QuicksilverOne card is one of the top credit cards on the market for consumers with fair credit.

Capital One Quicksilver review

Card Details »

Capital One Quicksilver gives you 1.5 percent cash back on every purchase, every day, with no limit.

Unlike some competing cards, there are no rotating categories or sign ups required to earn a higher level of cash back.

Quicksilver has no annual fee and no foreign transaction fees and features a 0-percent intro APR on purchases and balance transfers for nine months. (A 3 percent fee applies to each transferred balance.)

The Quicksilver card also offers a one-time $150 cash bonus to new cardmembers after you spend $500 on purchases within the first three months of opening the card.

As I mentioned above, the Quicksilver card requires at least good credit. Although card approvals are handled on an individual basis, I would generally consider someone with at least three years of credit history and a credit score in the high 600s to have good credit. Our free credit score estimator can give you a rough idea of your individual credit standing.

Learn more: View details or apply for the Quicksilver card.

Capital One QuicksilverOne review

Card Details »

Like Quicksilver, the QuicksilverOne card gives you unlimited 1.5 percent cash back on every purchase with no rotating categories or enrollment required.

The two biggest differences between Quicksilver and QuicksilverOne are that:

  • QuicksilverOne has a $39 annual fee
  • QuicksilverOne does not offer a one-time cash bonus for new cardmembers

Although QuicksilverOne is not quite as attractive Quicksilver, it is available to consumers who would not otherwise be approved for Quicksilver or a similar prime credit card. This makes QuicksilverOne an attractive option for young adults with limited credit or anyone with fair or average credit.

One last nice thing about the QuicksilverOne card is that cardmembers can get access to a higher credit line after making your first five monthly payments on time.

Learn more: View details or apply for the QuicksilverOne card.

Which card should you apply for?

If you know you have excellent credit, choose the Quicksilver card. Likewise, if you know you have limited credit, choose QuicksilverOne. After a year or two of making on-time payments, you may be able to call Capital One and request your account be upgraded to the Quicksilver card when your credit situation has improved.

If you’re uncertain about your credit situation, you can try our free credit score estimator.

Quicksilver and QuicksilverOne competitors to consider

If you’re attracted to the Quicksilver card, there are several 1.5 percent cash back rewards credit cards to compare.

For example, you might also want to look at the Barclaycard CashForward card.

Likewise, if you know you’ll be spending at least $800 a month on your rewards credit card, consider the Capital One Venture Card alongside Quicksilver. The Venture Card has a $59 annual fee (waived the first year) but pays double miles on every purchase that you can redeem for statement credits toward nearly any travel expense, making the rewards more valuable than Quicksilver’s 1.5 percent cash back.

If you’re looking at QuicksilverOne, ask yourself if you’ll spend at least $2,600 a year on the card. If so, the cash back you earn will cover the card’s annual fee.

If you’ll only use the credit card once in a while, consider the barebones Capital One Platinum card instead. Also designed for consumers with fair or limited credit, the Capital One Platinum Card does not offer rewards but has no annual fee, making it the economical option for very occasional use. Alternately, you may wish to compare all Capital One credit cards before making your selection.

Quicksilver card details

Capital One® Quicksilver® Cash Rewards Credit Card
Highlights
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
Annual Fee $0
Intro APR, Purchases 0% for for 9 months
Intro APR, Balance Transfers 0% for for 9 months
Balance Transfer Fee 3%
Regular APR 13.99% – 23.99% (Variable)
Cash Advance APR 23.99% (Variable)
Foreign Transaction Fee None

Learn more: View details or apply for the QuicksilverOne card.

QuicksilverOne card details

Capital One® QuicksilverOne® Cash Rewards Credit Card
Highlights
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
Annual Fee $39
Intro APR, Purchases N/A for N/A
Intro APR, Balance Transfers N/A for N/A
Balance Transfer Fee $0
Regular APR 24.99% (Variable)
Cash Advance APR 24.99% (Variable)
Foreign Transaction Fee None

Learn more: View details or apply for the QuicksilverOne card.

Summary

The Capital One Quicksilver and QuicksilverOne cards both offer unlimited 1.5 percent cash back. The Quicksilver card offers a 0-percent intro APR for nine months on purchases and balance transfers.

The Quicksilver card is for consumers with good credit. As a result, it has no annual fee and offers a one-time $150 cash bonus after you spend $500 on the card in the first three months.

By contrast, QuicksilverOne is available to consumers with fair or limited credit. QuicksilverOne has a $39 annual fee and does not offer a one-time bonus.

View card detail pages for the Quicksilver or QuicksilverOne cards to apply.