Capital One
QuicksilverOne - Unlimited Cash Back Credit Card
Estimated value every year on typical spending
$429/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
On typical spending the Capital One QuicksilverOne - Unlimited Cash Back Credit Card returns about $468 a year in rewards and usable credits, which covers its $39 fee with $429 to spare.
The fine print
- Intro APR
- Not applicable
- Regular APR
- 29.24% variable
- Foreign fee
- None
- Rewards paid as
- Cash back
- Approval
- Approachable — fair credit and up
- Redeem for
- Statement credit · Direct deposit · Gift cards
Rewards
- 1.5% cash back on every purchase, every day
Sign-up bonus
None
Best for
- Simple flat-rate cash back
Not ideal for
- Frequent international travelers
Trade-offs: Simple and low-cost ↔ not a rewards maximizer.
Worth knowing
- Annual fee
- $39
- Intro APR
- Not applicable
- Regular APR
- 29.24% variable
- Balance transfer fee
- None
- $1200/mo on everyday spending earns about $216/year (1.5%).
- You come out ahead of a no-fee 1% card after about $7800/year of everyday spending spending.
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
QuicksilverOne - Unlimited Cash Back Credit Card: questions people ask
Is the Capital One QuicksilverOne - Unlimited Cash Back Credit Card worth it?
On typical spending the Capital One QuicksilverOne - Unlimited Cash Back Credit Card returns about $468 a year in rewards and usable credits, which covers its $39 fee with $429 to spare.
What is the Capital One QuicksilverOne - Unlimited Cash Back Credit Card annual fee?
The Capital One QuicksilverOne - Unlimited Cash Back Credit Card has a $39 annual fee. On typical spending its rewards and usable credits come to about $468 a year, so it nets about $429 after the fee.
What does the Capital One QuicksilverOne - Unlimited Cash Back Credit Card earn?
1.5% cash back on every purchase, every day.
What credit score do you need for the Capital One QuicksilverOne - Unlimited Cash Back Credit Card?
The issuer recommends fair credit. Checking your matches on CardFit never runs a credit check.
Does the Capital One QuicksilverOne - Unlimited Cash Back Credit Card charge foreign transaction fees?
No. The Capital One QuicksilverOne - Unlimited Cash Back Credit Card has no foreign transaction fee.
Similar cards
- American ExpressBlue Cash Preferred Card$607/yr · $95 fee
- American ExpressBlue Cash Everyday Card$480/yr · $0 fee
- ChaseChase Freedom Unlimited$540/yr · $0 fee
- ChaseChase Freedom Flex$408/yr · $0 fee
Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Capital One product page. Terms change often; confirm them with the issuer before you apply.