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.

Comparison Overview: Capital One Quicksilver Rewards vs. Capital One QuicksilverOne Rewards

  • Capital One Quicksilver Rewards
    Capital One QuicksilverOne Rewards
  • Has Annual Fee
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  • Has Balance Transfer Offer
  • Has APR Offer
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  • Cash Back Rewards
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  • Travel Rewards

Capital One Quicksilver Rewards At a Glance

Capital One Quicksilver Rewards 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 Rewards

    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

    Terms, rates and fees apply

    Compare this credit card with other top-rated rewards cards.

Capital One QuicksilverOne Rewards At a Glance

For a $39 annual fee, Capital One QuicksilverOne Rewards 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 Rewards, 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 Rewards

    Best card for earning cash back across categories


    • Limited-FairCredit Needed
    • $39Annual Fee
    • 1.5% Cash BackRewards Rate
    • 1.5xRewards Rate on Online Shopping
    • 1.5xRewards Rate on Dining

    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 Rewards and Capital One QuicksilverOne Rewards to help you shop around for a cash back card that fits your needs.

  • Card Detail
    Comparison Summary
  • Annual Fee

    The Capital One Quicksilver Rewards doesn’t have an annual fee, while the Capital One QuicksilverOne Rewards annual fee is $39.

    Winner: Capital One Quicksilver Rewards

  • Welcome Bonus

    Capital One Quicksilver Rewards 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 Rewards doesn’t have any introductory offers.

    Winner: Capital One Quicksilver Rewards

  • Travel Protection

    The Capital One Quicksilver Rewards 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 Rewards doesn’t offer such travel perks.

    Winner: Capital One Quicksilver Rewards

  • Required Credit Score

    You need good to excellent credit to qualify for Capital One Quicksilver Rewards.

    On the other hand, you can qualify for Capital One QuicksilverOne Rewards with just a limited to fair credit.

    Winner: Capital One QuicksilverOne Rewards

Which Card Should You Get?

The Capital One Quicksilver Rewards and Capital One QuicksilverOne Rewards 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 Rewards?

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

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    Capital One Quicksilver Rewards 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.

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    Capital One Quicksilver Rewards 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.

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Who Should Consider the Capital One QuicksilverOne Rewards?

Capital One QuicksilverOne Rewards 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.

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    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.

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    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.

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EXPERT OPINION

The easy choice in this comparison is the Capital One Quicksilver Rewards if you have the choice. However, if your credit isn’t currently up to snuff, there’s nothing wrong with the Capital One QuicksilverOne Rewards 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 Rewards and Capital One QuicksilverOne Rewards.

Still Not Sure About These Cards? Consider These Options

Capital One Quicksilver Rewards and Capital One QuicksilverOne Rewards 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.

Learn more about credit cards in general

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*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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