Capital One Quicksilver Cash Rewards Credit Card
vs. Capital One QuicksilverOne Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card and Capital One QuicksilverOne Cash Rewards Credit Card both offer unlimited 1.5% cash back on all purchases, making them attractive for straightforward earning potential. However, the Quicksilver card is slightly better due to its 0% introductory APR period on purchases and balance transfers, but requires excellent credit.

The QuicksilverOne card has a lower credit score requirement, making it more accessible. However, it has an annual fee and does not offer an introductory APR offer.

You might prefer the Quicksilver card if you have a good to excellent credit score and are looking for a card with no annual fee. This card offers an attractive 0% introductory APR on purchases and balance transfers for 15 months, followed by a variable APR. It's a solid choice for everyday spending, with 1.5% cash back on all purchases.

You might prefer the QuicksilverOne card if your credit score is in the fair to good range and you seek to build your credit. While it comes with a $39 annual fee, this card offers the same 1.5% cash back on all purchases. You may be considered for a higher credit line after six months, which can be beneficial for improving your credit score.

Evaluating APRs, fees, credit requirements, rewards and additional features clarifies which card aligns with your financial needs. For instance, if you have excellent credit and want to avoid annual fees, Quicksilver may suit you. Conversely, QuicksilverOne, despite its annual fee, could be a fit for those with lower credit scores.

The Quicksilver and QuicksilverOne cards both offer unlimited 1.5% cash back on every purchase. However, the Quicksilver stands out with its $0 annual fee, making it the more rewarding choice for most users. Both cards also provide 5% cash back on hotels and rental cars booked through Capital One Travel, but the annual fee on the QuicksilverOne can offset some of the rewards earned.

For those who may not qualify for the Quicksilver due to credit requirements, the QuicksilverOne remains a solid option, especially for individuals working to build credit.

The table below details bonus categories to help you compare the rewards programs of both cards at a glance.

Both the Quicksilver and QuicksilverOne cards offer similar flexibility in redeeming rewards. Cardholders can redeem their cash back for statement credits, checks or gift cards, among other options. There's no need to wait for a specific amount to accumulate, as both cards allow for redemptions at any time and for any amount. Additionally, both cards provide the convenience of setting up automatic redemptions at a set time each year or when a certain threshold is met.

MoneyGeek evaluates credit cards like Quicksilver and QuicksilverOne using a tailored scoring system for various use cases, with cash back being the highest-scoring category for both cards. The most influential factors for the cash back score include the effective reward rate and the return on investment for offers. These elements, along with annual fees, introductory purchase rates and issuer satisfaction, shape the overall score. For a deeper understanding of our process, you can explore our ranking methodology.