Is the Capital One Quicksilver Cash Rewards Credit Card better than the Capital One QuicksilverOne Cash Rewards Credit Card?

The Capital One Quicksilver Cash Rewards Credit Card has no annual fee, and it offers a welcome bonus and 0% intro APR. Overall, it’s a better card compared to Capital One QuicksilverOne Cash Rewards Credit Card. However, the Capital One Quicksilver Cash Rewards Credit Card requires excellent credit to qualify, while the Capital One QuicksilverOne Cash Rewards Credit Card just needs fair credit.

Can you get the Capital One Quicksilver Cash Rewards Credit Card if you have the Capital One QuicksilverOne Cash Rewards Credit Card?

No, since Capital One QuicksilverOne Cash Rewards Credit Card only requires fair credit. You need excellent credit to qualify for Capital One Quicksilver Cash Rewards Credit Card.

Can you transfer points from the Capital One Quicksilver Cash Rewards Credit Card to the Capital One QuicksilverOne Cash Rewards Credit Card?

Rewards for both Capital One Quicksilver Cash Rewards Credit Card and Capital One QuicksilverOne Cash Rewards Credit Card can only be redeemed as statement credit or a check, and they can’t be transferred to another card. However, rewards don’t expire and there’s no limit on how many can be earned.

Can you switch from the Capital One Quicksilver Cash Rewards Credit Card to the Capital One QuicksilverOne Cash Rewards Credit Card?

Yes, but it’s not recommended. Capital One QuicksilverOne Cash Rewards Credit Card has an annual fee, and it lacks a welcome bonus and a 0% APR offer.

What’s harder to get, the Capital One Quicksilver Cash Rewards Credit Card or the Capital One QuicksilverOne Cash Rewards Credit Card?

You need excellent credit to qualify for Capital One Quicksilver Cash Rewards Credit Card, making it more difficult to get than Capital One QuicksilverOne Cash Rewards Credit Card.

How much do you have to spend for the Capital One Quicksilver Cash Rewards Credit Card vs the Capital One QuicksilverOne Cash Rewards Credit Card to get the welcome bonus?

By spending $500 within three months of account opening, you can earn a $200 welcome bonus with Capital One Quicksilver Cash Rewards Credit Card. Conversely, Capital One QuicksilverOne Cash Rewards Credit Card doesn’t have any introductory offers.

Capital One Quicksilver Cash Rewards Credit Card vs. Capital One QuicksilverOne Cash Rewards Credit Card: Which Is Best for You?

Folks looking for cash back rewards on their everyday purchases should consider Capital One Quicksilver Cash Rewards Credit Card and Capital One QuicksilverOne Cash Rewards Credit Card. MoneyGeek analyzed their differences to help you choose which would be perfect for your needs.

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The two Capital One cards both provide 1.5% cash back on all purchases, fraud protection, and $0 foreign transaction fees. However, QuicksilverOne Rewards has a $39 annual fee, although it only needs fair credit to qualify. Meanwhile, Quicksilver Rewards doesn’t have an annual fee and offers a welcome bonus, but it requires excellent credit.

OUR COMPARISON AT A GLANCE

Comparison Overview
Capital One Quicksilver Cash Rewards Credit Card at a Glance
Capital One QuicksilverOne Cash Rewards Credit Card at a Glance
Comparison Summary
Which Card Should You Get?

Comparison Overview: Capital One Quicksilver Cash Rewards Credit Card vs. Capital One QuicksilverOne Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
Has Annual Fee
Has Balance Transfer Offer
Has APR Offer
Cash Back Rewards
Travel Rewards
Hotel Benefits
Airline Benefits
Has Rewarding Welcome Offer
Has Foreign Transaction Fee
Credit Needed
Good-Excellent
Fair–Good

Capital One Quicksilver Cash Rewards Credit Card At a Glance

Capital One Quicksilver Cash Rewards Credit Card is a straightforward card that offers a flat 1.5% cash back rewards on all purchases. There’s no cap on the rewards, and they don’t expire throughout the account’s lifetime.

In addition, you’ll earn a $200 bonus if you spend $500 on purchases within three months from account opening. You also get to enjoy an 18-month introductory 0% APR for purchases and balance transfers (14.99%–24.99% variable APR after that, based on your creditworthiness).

Capital One Quicksilver Cash Rewards Credit Card
Best cash back rewards credit card for everyday spending
- Good-ExcellentCredit Needed
- $0Annual Fee
- 1.5% Cash BackRewards Rate
- 1.5xRewards Rate on Dining
- 1.5xRewards Rate on Online Shopping
Pros
Very high, versatile cash back rewards
No minimum redemption amount
Welcome bonus is solid
No annual/foreign transaction fees
15-month 0% APR introductory period, then a variable APR of 19.24% – 29.24%
Cash back rewards never expire

Cons
Have to have good/excellent credit
Has a 3% transfer fee
No bonus rewards if you like the idea of bonus categories
$200 cash bonus applies after spending $500 within the first three months
Earn 1.5% cash back on all purchases
No bonus categories or rotating bonus percentages to worry about
Cash back rewards can be used anytime — no point/value minimums
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated rewards cards.

Capital One QuicksilverOne Cash Rewards Credit Card At a Glance

For a $39 annual fee, Capital One QuicksilverOne Cash Rewards Credit Card gives a 1.5% cash back rewards on all purchases. There’s no limit on the rewards you can earn, so using this card for at least $2,600 in purchases will offset its annual fee.

You only need fair credit to qualify for Capital One QuicksilverOne Cash Rewards Credit Card, and you’ll be reviewed for a credit line increase as soon as six months from account opening. Responsible use of the card can lead to a higher credit score over time. With this, your free access to CreditWise will be handy as you monitor your credit profile.

Capital One QuicksilverOne Cash Rewards Credit Card
Best card for earning cash back across categories
- Fair–GoodRecommended Credit
- $39Annual Fee
- 1.5% Cash BackRewards Rate
- 1.5xRewards Rate on Online Shopping
- 1.5xRewards Rate on Dining
Pros
Flat cash back rate across all categories
Earn unlimited cash back
Redeem cash back in different ways
No foreign transaction fees
Supports autopay
Add an authorized user
Virtual card numbers for online transactions

Cons
High APR for purchases and balance transfers
Need to pay an annual fee
No intro APR offer on purchases
Earn unlimited 1.5% cash back on each purchase.
Stand to earn cash rewards without signing up for rotating categories.
Get considered for a higher credit line automatically after six months.
Pay an annual fee of $39.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other cards selected for people with average credit.

Comparison Summary

MoneyGeek compared Capital One Quicksilver Cash Rewards Credit Card and Capital One QuicksilverOne Cash Rewards Credit Card to help you shop around for a cash back card that fits your needs.

Card Detail
Comparison Summary
Annual Fee
The Capital One Quicksilver Cash Rewards Credit Card doesn’t have an annual fee, while the Capital One QuicksilverOne Cash Rewards Credit Card annual fee is $39.
Winner: Capital One Quicksilver Cash Rewards Credit Card
Welcome Bonus
Capital One Quicksilver Cash Rewards Credit Card offers a one-time $200 bonus if you spend $500 within three months from account offering. Further, it also provides a 15-month 0% APR for purchases and balance transfers.
Meanwhile, Capital One QuicksilverOne Cash Rewards Credit Card doesn’t have any introductory offers.
Winner: Capital One Quicksilver Cash Rewards Credit Card
Travel Protection
The Capital One Quicksilver Cash Rewards Credit Card offers free travel insurance when you use your card to purchase your fare, and it also gives you access to a complimentary concierge service. Additionally, if your card is lost or stolen while traveling, Capital One will provide a replacement card and cash advance.
Capital One QuicksilverOne Cash Rewards Credit Card doesn’t offer such travel perks.
Winner: Capital One Quicksilver Cash Rewards Credit Card
Required Credit Score
You need good to excellent credit to qualify for Capital One Quicksilver Cash Rewards Credit Card.
On the other hand, you can qualify for Capital One QuicksilverOne Cash Rewards Credit Card with just a limited to fair credit.
Winner: Capital One QuicksilverOne Cash Rewards Credit Card

Which Card Should You Get?

The Capital One Quicksilver Cash Rewards Credit Card and Capital One QuicksilverOne Cash Rewards Credit Card are both excellent cash back cards. However, your credit profile will determine which would be a better card for you.

Who Should Consider the Capital One Quicksilver Cash Rewards Credit Card?

Folks with excellent credit that want hassle-free rewards on their everyday purchases can’t go wrong with Capital One Quicksilver Cash Rewards Credit Card.

Capital One Quicksilver Cash Rewards Credit Card provides 1.5% cash back on all spending without the need to register or keep track of rotating categories. The card has no annual fee, and it even offers a $200 welcome bonus.
Capital One Quicksilver Cash Rewards Credit Card is also a superb choice for people looking to pay their balance from another card. It presents a 0% APR on transfers for the card’s first 15 months, with a 14.99%–24.99% APR after. Keep in mind that it charges a 3% transfer fee.
≫ More: Read Our Full Review

Who Should Consider the Capital One QuicksilverOne Cash Rewards Credit Card?

Capital One QuicksilverOne Cash Rewards Credit Card is a good choice for people looking to improve their credit and earn cash back rewards in the process. It only needs fair credit to qualify, and its $39 annual fee can be offset by putting more than $2,600 in expenses on the card.

You can enjoy a credit line increase in just six months by responsibly using the card. This leads to flexibility, a higher credit utilization ratio and an improved credit rating over time.
The card has no foreign transaction fees, fraud protection and Tap to Pay feature, which are all awesome perks to have as you build your credit.
≫ More: Read Our Full Review

EXPERT OPINION

The easy choice in this comparison is the Capital One Quicksilver Cash Rewards Credit Card if you have the choice. However, if your credit isn’t currently up to snuff, there’s nothing wrong with the Capital One QuicksilverOne Cash Rewards Credit Card for the time being. If that’s the case, make it a goal to always pay your bill on time so you can eventually apply for the Quicksilver card and eventually earn the welcome bonus without the annual fee.

Other Helpful Decision-Making FAQs

MoneyGeek answered some frequently asked questions to help you know more about Capital One Quicksilver Cash Rewards Credit Card and Capital One QuicksilverOne Cash Rewards Credit Card.

Still Not Sure About These Cards? Consider These Options

Capital One Quicksilver Cash Rewards Credit Card and Capital One QuicksilverOne Cash Rewards Credit Card are strong options for people who want to earn cash back rewards from their everyday purchases. If you frequently travel, consider getting a travel credit card.

View All Credit Cards

Learn more about credit cards in general

sources

Capital One. "Capital One Quicksilver Cash Rewards Credit Card." Accessed January 7, 2022.
Capital One. "Capital One QuicksilverOne Cash Rewards Credit Card." Accessed January 7, 2022.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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