Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
At a glance
Deposit required: None (Unsecured card (per Capital One, Jun 2026))
APR: Variable ~29.99% (Carry no balance — verify at capitalone.com)
Annual fee: $39 (Per Capital One, Jun 2026 — verify at capitalone.com)
Cash back: 1.5% unlimited (On every purchase — no categories to track (per Capital One, Jun 2026))
Who Capital One QuicksilverOne Cash Rewards is best for
Applicants with fair credit (580–669) who want flat-rate unlimited cash back without a deposit.
Pros
1.5% unlimited cash back on every purchase — strongest rewards for limited-credit unsecured cards
No security deposit required
Automatic credit line review after 6 months of on-time payments (per Capital One, Jun 2026)
Pre-qualification with soft pull at capitalone.com
Cons
$39 annual fee (per Capital One, Jun 2026) — reduces net rewards value for low spenders
Variable APR ~29.99% — carry no balance
Targets 'fair' credit (580–669) — applicants with 'poor' credit may need a secured card first
Capital One QuicksilverOne Cash Rewards requirements
Deposit required: None — unsecured card (per Capital One, Jun 2026)
Recommended profile: Fair credit (580–669 FICO range) — pre-qualify at capitalone.com with no hard pull
Residency: U.S. residents 18+
US residents 18+
Designed for fair credit (580–669 FICO range)
Capital One QuicksilverOne Cash Rewards rates & fees
Capital One QuicksilverOne carries a $39 annual fee and a variable APR of approximately 29.99%. No security deposit is required — it is an unsecured card earning 1.5% unlimited cash back on every purchase.
Capital One QuicksilverOne Cash Rewards alternatives
Capital One QuicksilverOne Cash Rewards — 1.5% unlimited cash back for fair-credit applicants — unsecured with annual fee. Best for: Applicants with fair credit (580–669) who want flat-rate unlimited cash back without a deposit.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Questions about Capital One QuicksilverOne Cash Rewards
Is Capital One QuicksilverOne worth the $39 annual fee?
At 1.5% cash back, you'd need to spend $2,600/year on the card for the rewards to offset the $39 annual fee. For most rebuilding-credit applicants, the primary value is the credit-building mechanism (monthly bureau reporting + credit line review after 6 months), not the rewards math. If spending $2,600+ annually on the card is realistic given your budget, the rewards offset the fee. If not, a no-fee secured card (like Capital One Platinum Secured) may be more efficient for pure credit building.
Is ClearValue Lending a bank or card issuer?
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. Capital One QuicksilverOne Cash Rewards is issued and operated by Capital One, N.A. APRs, annual fees, rewards rates, and terms are determined solely by Capital One and may change — verify current terms at capitalone.com before applying.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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