Compare rewards, interest rates, and apply for the Capital One® QuicksilverOneSM Cash Rewards Credit Card now.
Editor’s Rating — — Great For: Cash back rewards and low intro rates.
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories and no sign ups needed to earn cash rewards
- Redeem the cash back you earn for any amount, any time
- No limit to the cash back you can earn
- Your cash back doesn't expire
- 0% intro APR on purchases until November 2014
- Get access to a higher credit line after making your first 5 monthly payments on time
- Fraud coverage if your card is ever lost or stolen
Credit Needed: Fair
Average Approved Score: 618*
Lowest Approved Score: 563*
|Intro APR, Purchases||Intro Term, Purchases||Intro APR, Balance Transfers||Intro Term, Balance Transfers||Regular APR||Annual Fee|
|0%||until November 2014||N/A||N/A||22.9%* Variable||$39|
Capital One® QuicksilverOneSM Cash Rewards Credit Card Reviews
3.9/5 (Average rating from 1639 total reviews.)
Most Popular Review
I am so thrilled! I am 31 years old and destroyed my credit along with many others in my generation who went to college in the early 2000's. I was offered credit cards galore, didn't really understand how to use them responsibly, and before I knew it was in over my head. The stature of limitations has long since run out on these cards that I never paid off, and many of the banks who lent them to me no longer exist (Providian bank, for example). I am now a very responsible consumer who lives below my means with no debt aside from student loans. I have been paying those diligently for over 2 years and have seen little effect on my credit score. I was getting depressed about it until about 4 months ago when, to my shock, I was approved for a Capital One Platinum card with a $300 limit! I have been paying it off in full every month since, and lo and behold, my credit score went up 19 points! Today I decided to go ahead and apply for this card, and to my suprise, I was approved for a credit limit of $1000 with 0% apr until March 2013, despite my credit score of 589. I am beyond thrilled, as I am now confident that continuing to pay my balances in full every month, coupled with my student loans, my credit score should be above 600 by this time next year. I hope to have it in the 700 range within 2 years and finally not feel ashamed of my credit score. It is so true that paying your bills on time is the absolute best way to re-build credit. I am grateful to Capital One for giving me a chance to prove myself.
Reviewed by: monicaandree
All Recent Reviews
I recently got a free upgrade to this capital one quicksilver one version. Decided to log on and request a cli since my first credit steps. I was stuck at 1,500 and never thought about requesting a cli and to my surprise I hit the request button for a cli and btw it did not do a hp. It didn't ask me how much I wanted the limit increase so the response I got was a 5,000 additional credit increase. It said if I want to accept the offer or decline or reduce the limit. I immediately accepted the offer for the 5,000. I am currently at 6,500 credit limit. I've been with capital one for 2 years and probably use my card about 10 times through out my two years and all I could say is that capital one has been good to me and I beleive that if your good to them you can probably grow with them.
Reviewed by: Jaime723
I just got this card a month ago with a 645 credit and the service has been great. I'm now able to start the process of strengthening my credit.
Reviewed by: Blkblkblack1
I appiled for this card on hopes to restore my creidt score, after losing my job, by using it as a gas card. Amazing response time of getting me approved with a small credit limit to keep me in check. Have been using and making payments for gas and getting cash rewards along the way.
I am glad I was approved.
Reviewed by: Anonymous
I can't believe I got approved, this is my first approved credit card in seven years!!! I'm super excited especially since I have been slowly trying to rebuild my credit since my early years in college when I destroyed by having 8 credit cards at once. Well I'm happy that Capital One gave me an opportunity to build my credit even further and I will make sure that all my payments are on time. I had a 628 credit via Trans Union so if you have something similar like that you are surely going to be approved.
Reviewed by: mystc54
I've had this card for about 7 months, at the time my CK score was about 615, and my TU FICO was 615. Credit Karma recommended the card on my profile so I applied, instant approval for $500 CL.
At 6 months was expecting $250 CLI per their "steps", but got $1000 increase to $1500 CL.
I use the card like a debit card and pay the balance down to almost zero every 7 to 10 days. I get the 1.5% cash back rewards and easily get $20-$30 a month which offsets the annual $39 fee.
This and the other cards I have helped me raise my TU FICO from 518 in May 2012 to 665 in January 2014.
Reviewed by: switchman70
Approved for this with a 660 CK score. Contacted the executive office, and got the $39 annual fee permanently waived. Will try to get as many CLI as possible with this in the next year or so, and then ask for a product change for the Visa with a lower APR. If they don't give it to me, I'll threaten to cancel in earnest unlees they match some of my other credit limites (one for $5000, and one for $6000).
Reviewed by: scvbd99
I applied for the Quicksilver card and was denied with a 703 credit score (how? I don't know seeing as how others with a lot lower CS got approved for thousands.) It dropped my credit score to 698 from applying!! Anyways, a week later I got an email saying "Your card is on the way"...I immediately called the number on the email to confirm. The rep told me that they were sending me a card with NO annual fee and 0% APR, and the credit limit was $300...(yeah, a measily $300 when I have good credit). I took the card ONLY because she said there was NO ANNUAL FEE. Now, I get the card... not only did I have to speak to 3 customer service reps about online enrollment because the system kept giving me errors (even they couldn't figure it out). But, come to find out I have a $39 annual fee!! $39 fee on a $300 CL card... and my CS was 703 (or 698 afterwards) when I applied...Are you kidding me? I called and asked for a secured card, I said I would give them $3000 cash just to have a higher CL on file. They said it would pull my credit again (of course) and lower my score again.... SO not worth it. The guy politely said "After 6 months of payments you will be increased to $500."...Hahahaha $500?? They have given people with 650 scores $5000. I don't know what their problem is, but they suck.
Reviewed by: Wonton143
I applied for the regular Quicksilver (no annual fee) and got this instead. $1000 limit. Not worth the $39/year. I sent an email to the CEO asking for a product change to the no-annual fee version of this card. If I don't get it, I'll be bringing all of my other cards to a zero balance, and then closing this Capital One account so I don't hurt my credit score.
Reviewed by: scvbd99
I started with Capital One's secured card March 2013 with a $300 CL. In June 2013 they gave me CLI of $100. In Dec.22nd 2013 I applied for the Playstation Visa card and got approved for $500. ( unsecured ) and in Jan. 18th 2014 I applied for the QuickSilver and was approached for $500 ( unsecured ). As of Jan. 21st 2014 the Playstation Visa hasn't showed up on my Reports yet. I'm not sure if I was able to get the 3rd card the way I did because of the 2nd one not showing up on my reports yet or what. But I will be applying for Capital One's Kohl's department store card in 6-9 months. Let some time pass by due to them doing hard inquiries on all 3 of the credit files for each of the 3 cards I got with them within a 10 month period.
Reviewed by: ImOnAMission
GOT CARD WITH 666 SCORE-$500 LIMIT-CHARGED $75 PLUS THE $39 FEE==$114 /PAID OFF BILL ON LINE IN TWO WEEKS BEFOR I GOT BILL IN MAIL- ON LINE 2 DAYS LATER $/0 BALLANCE -SCORE WENT UP TO
679 CK WHEN REPORTED GREAT FOR ONE MONTH- NOW MY BALLANCE IS BACK TO $500 SO IF GO AND START USING THE CARD AGAIN EVEN THOUGHT I PAID IT OFF BEFOR DUE DATE- WILL THIS HURT ME OR WILL IT HELP- I STILL HAVE TWO WEEKS BEFOR THE FIRST BILL IS DUE BUT I PAID IT IN FULL ALLREADY AND THEY HAVE ALLREADY REPORTED IT TO CREDIT BUREAU-IF I CHARGE SOMETHING THEN PAY IF OFF EVERY TWO WEEKS IS THIS A PLUS//DO THEY REPORT EVERY TIME YOU PAY IT OFF--OR JUST ONCE A MONTH-- === ANY GOOD INFO WOULD BE NICE \\THANK YOU FOR YOUR TIME
Reviewed by: domeass
* Credit Karma users have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed.
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