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

Updated: June 24, 2024

Advertising & Editorial Disclosure

Shield Insurance

MoneyGeek partners with leading industry experts and advertisers to help you get to your financial happy place. Our content is accurate when posted but offers may change over time. We may receive compensation for partner advertisements, but our editorial team independently reviews and ranks products. Learn more about our editorial policies.

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 edges ahead due to its higher cash back score and the added benefit of a 0% introductory APR period on purchases and balance transfers, with no annual fee.

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.

The Quicksilver is the superior choice if you have good to excellent credit. However, the QuicksilverOne is still a solid option for those with fair to good credit, especially with its potential for a higher credit line.

Credit Card logo for Capital One Quicksilver Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Credit Card logo for Capital One QuicksilverOne Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
MoneyGeek Rating
4.5/ of 5
MoneyGeek Rating
4.5/ of 5

  • Regular APR
    19.99% - 29.99% variable
    29.99% variable
    0% APR Offer
    0% for 15 months on purchases
    Intro Offer
    Earn $200 Cash Back
    No current offer
    Rewards Summary
    Earn unlimited 1.5% cash back
    1.5% on everyday purchases and 5% cash back on hotels and rental cars booked through Capital One Travel.
    Balance Transfer Offer
    0% for 15 months on balance transfers
    Balance Transfer Fee
    3% for the first 15 months
    4% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you.
    Annual Fee
    Recommended Credit
    670-850 (Good to Excellent)
    580-740 (Fair to Good)
    Penalty APR
    Not sure?

Which Card Is Better for You?

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.

Head-to-Head Comparison: Card Details and Features

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.

    discount icon

    Regular APR: Quicksilver

    For regular APR, the Quicksilver is preferable, offering a variable APR starting at 19.99%, compared to the QuicksilverOne's 29.99% APR.

    annualFee icon

    Annual Fee: Quicksilver

    When comparing annual fees, the Quicksilver is the better option with its $0 annual fee, compared to the QuicksilverOne, which charges a $39 annual fee.

    lowInterestAPR icon

    Introductory 0% APRs: Quicksilver

    The Quicksilver card offers 0% APR for 15 months on both purchases and balance transfers, making it the superior choice for those seeking introductory 0% APRs. QuicksilverOne does not offer any introductory APR benefits.

    coins icon

    Rewards: Tie

    Both the Quicksilver and QuicksilverOne cards offer identical rewards: unlimited 5% cash back on hotels and rental cars booked through Capital One Travel and 1.5% cash back on all other purchases. There's no difference in the rewards feature between these two cards.

    rewards icon

    Welcome Offers: Quicksilver

    The Quicksilver is better for welcome offers, featuring a one-time $200 cash bonus after spending $500 within three months from account opening. The QuicksilverOne doesn't have a current offer.

    creditApproved icon

    Recommended Credit Score: QuicksilverOne

    The QuicksilverOne is better for individuals with lower credit scores, requiring 580 to 740 (fair to good), compared to the Quicksilver's 670 to 850 (good to excellent) range.

    autopay icon

    Penalties and Fees: Tie

    Both the Quicksilver and QuicksilverOne cards charge up to $40 for late payments and have a cash advance fee of either $5 or 5% of the amount, whichever is greater. Neither card imposes foreign transaction fees or a penalty APR.

    points icon

    Issuer Satisfaction: Tie

    Both cards are from Capital One, which has an issuer satisfaction rating of 4.2.

    airplane icon

    Other Features & Perks: Tie

    Both cards offer unique perks, making them equally appealing depending on your needs. Quicksilver provides complimentary Uber One membership credits, enhancing travel convenience. QuicksilverOne focuses on credit building, offering automatic credit line reviews and free credit monitoring with CreditWise, plus the same Uber One membership credits. Both cards support contactless payments.

Rewards Comparison

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.


Hotels and Rental Cars Booked Through Capital One Travel



All Other Purchases



Redeeming Rewards

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.

FAQ: Quicksilver vs. QuicksilverOne

What are the credit requirements for the Quicksilver and QuicksilverOne cards?
Do the Quicksilver and QuicksilverOne cards have annual fees?
Can I earn cash back on all purchases with both Quicksilver and QuicksilverOne?
Is there an introductory APR offer for the Quicksilver or QuicksilverOne cards?
Are there any differences in the rewards earning potential between Quicksilver and QuicksilverOne?

About Doug Milnes, CFA

Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

*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.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with and for our coverage of credit card products. MoneyGeek, CardRatings and may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.