[[{"@context":"http:\/\/schema.org","@type":"Answer","name":"The Quicksilver is another cash rewards card from Capital One that comes with unlimited 1.5% cash back on all purchases but also has no annual fee and includes a one-time $150 cash welcome offer if you spend $500 on purchases in the first three months.  The APR is also lower than the QuicksilverOne. To upgrade, you can contact customer service and ask if you\u2019re eligible to move from the QuicksilverOne to the Quicksilver. If you\u2019re eligible you can log into your existing account and accept the offer.","text":"The Quicksilver is another cash rewards card from Capital One that comes with unlimited 1.5% cash back on all purchases but also has no annual fee and includes a one-time $150 cash welcome offer if you spend $500 on purchases in the first three months.  The APR is also lower than the QuicksilverOne. To upgrade, you can contact customer service and ask if you\u2019re eligible to move from the QuicksilverOne to the Quicksilver. If you\u2019re eligible you can log into your existing account and accept the offer.","@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#Answer1"},{"@context":"http:\/\/schema.org","@type":"Answer","name":"The $39 annual fee on the QuicksilverOne is charged to your account when you activate your card account.","text":"The $39 annual fee on the QuicksilverOne is charged to your account when you activate your card account.","@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#Answer2"},{"@context":"http:\/\/schema.org","@type":"Answer","name":"You would need to spend approximately $250 a month to offset the $39 annual fee. A little less than $3,000 a year charged to the card would cover the annual fee with a 1.5% cash back rate.","text":"You would need to spend approximately $250 a month to offset the $39 annual fee. A little less than $3,000 a year charged to the card would cover the annual fee with a 1.5% cash back rate.","@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#Answer3"},{"@context":"http:\/\/schema.org","@type":"Answer","name":"According to Capital One, the QuicksilverOne is a card for average credit.  There\u2019s no guarantee that anyone will be approved or any specific credit limit cutoff, but according to Experian, a fair credit score is one that ranges from 580 to 669.","text":"According to Capital One, the QuicksilverOne is a card for average credit.  There\u2019s no guarantee that anyone will be approved or any specific credit limit cutoff, but according to Experian, a fair credit score is one that ranges from 580 to 669.","@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#Answer4"},{"@context":"http:\/\/schema.org","@type":"Answer","name":"Carrying a balance on a credit card means you don\u2019t pay your bill in full each month.  If you think you\u2019re likely to carry a balance with your card, the QuicksilverOne is not a good option. You can carry a balance, but the APR is high.","text":"Carrying a balance on a credit card means you don\u2019t pay your bill in full each month.  If you think you\u2019re likely to carry a balance with your card, the QuicksilverOne is not a good option. You can carry a balance, but the APR is high.","@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#Answer5"},{"@context":"http:\/\/schema.org","@type":"Article","hasPart":[{"@type":"FAQPage","mainEntity":[{"@type":"Question","acceptedAnswer":{"@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#Answer5"},"name":"Can you carry a balance with the QuicksilverOne?","@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#Question5"},{"@type":"Question","acceptedAnswer":{"@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#Answer1"},"name":"Can you upgrade from a QuicksilverOne to a Quicksilver?","@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#Question1"},{"@type":"Question","acceptedAnswer":{"@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#Answer3"},"name":"How much would you need to spend with the QuicksilverOne to justify the $39 annual fee?","@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#Question3"},{"@type":"Question","acceptedAnswer":{"@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#Answer2"},"name":"When is the $39 annual fee charged?","@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#Question2"},{"@type":"Question","acceptedAnswer":{"@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#Answer4"},"name":"What credit score would you need for approval?","@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#Question4"}],"name":"Capital One QuicksilverOne Review FAQPage","about":{"@type":"Product","description":"The Capital One\u00ae QuicksilverOne\u00ae Cash Rewards Credit Card is geared toward consumers with fair or average credit who want the opportunity to earn unlimited 1.5% cash back.","offers":{"@type":"Offer","price":39,"priceCurrency":"USD","availability":"OnlineOnly","name":"Capital One\u00ae QuicksilverOne\u00ae Cash Rewards Credit Card Price","@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#Offer"},"name":"Capital One\u00ae QuicksilverOne\u00ae Cash Rewards Credit Card Product","image":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Capital-One-Quicksilver-One.png","url":"https:\/\/www.capitalone.com\/credit-cards\/quicksilverone\/","@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#Product"},"@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#FAQPage"},{"@type":"Review","publishingPrinciples":{"@type":"WebPage","name":"Money Done Right Publishing Principles","url":"https:\/\/moneydoneright.com\/methodology\/","@id":"https:\/\/moneydoneright.com\/methodology\/"},"author":{"@type":"Person","sameAs":"https:\/\/www.linkedin.com\/in\/ashley-watkins-4b337329\/","url":"https:\/\/twitter.com\/ashsut0426","image":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Ashley-Watkins.jpeg","jobTitle":"Credit Cards Writer","familyName":"Watkins","name":"Ashley Sutphin Watkins","description":"Ashley is a graduate of UNC-Chapel Hill where she studied journalism. She has worked as a journalist, content creator, and copywriter for nearly a decade, with a focus on personal finance, real estate, and healthcare. She now lives in Knoxville with her husband and young kids. During her free time, she enjoys traveling and enjoying the outdoors in East Tennessee.","alumniOf":"https:\/\/www.unc.edu\/","worksFor":{"@type":"Organization","founder":"https:\/\/moneydoneright.com\/author\/logan-allec\/","publishingPrinciples":{"@id":"https:\/\/moneydoneright.com\/methodology\/"},"url":"https:\/\/moneydoneright.com\/","sameAs":["https:\/\/www.instagram.com\/moneydoneright\/","https:\/\/twitter.com\/moneydoneright","https:\/\/www.youtube.com\/c\/MoneyDoneRight","https:\/\/www.facebook.com\/moneydoneright\/","https:\/\/www.linkedin.com\/company\/money-done-right\/","https:\/\/www.pinterest.com\/moneydoneright\/"],"address":{"@type":"PostalAddress","addressRegion":"California","addressLocality":"Valencia","addressCountry":"United States","name":"Money Done Right Address","streetAddress":"23890 Copper Hill Dr Ste 139","postalCode":"91354","@id":"https:\/\/moneydoneright.com\/#PostalAddress"},"email":"support@moneydoneright.com","legalName":"Allec Media LLC","additionalType":"Blog","naics":"519130","parentOrganization":"https:\/\/moneydoneright.com\/#ParentOrganization","name":"Money Done Right","foundingLocation":"https:\/\/en.wikipedia.org\/wiki\/Santa_Clarita,_California","logo":{"@type":"ImageObject","width":"60","height":"488","name":"Money Done Right Logo","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","@id":"https:\/\/moneydoneright.com\/#ImageObject"},"@id":"https:\/\/moneydoneright.com\/#Organization"},"gender":"Female","givenName":"Ashley","nationality":"https:\/\/en.wikipedia.org\/wiki\/Americans","@id":"https:\/\/moneydoneright.com\/author\/ashley-sutphin-watkins\/"},"isFamilyFriendly":true,"isAccessibleForFree":true,"publisher":{"@id":"https:\/\/moneydoneright.com\/#Organization"},"datePublished":"2020-03-16","name":"Capital One QuicksilverOne Review","description":"The Capital One\u00ae QuicksilverOne\u00ae Cash Rewards Credit Card is geared toward consumers with fair or average credit who want the opportunity to earn unlimited 1.5% cash back.","itemReviewed":{"@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#Product"},"reviewRating":{"@type":"Rating","worstRating":0,"bestRating":5,"ratingValue":"3.5","name":"Capital One QuickSilverOne Credit Card Rating","@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#Rating"},"url":"https:\/\/www.capitalone.com\/credit-cards\/quicksilverone\/","reviewBody":"The Capital One QuicksilverOne is a cash back rewards card for people with average credit.  The card earns 1.5% cash back on all purchases automatically with no limits. Cash back redemption options are flexible with the QuicksilverOne as well.  The QuicksilverOne does have an annual fee, and there are no introductory bonuses or introductory APR offers currently available, so for someone with good or excellent credit this might make the QuicksilverOne\u2019s sister card, the Capital One\u00ae Quicksilver\u00ae Cash Rewards Credit Card a more appealing option, with no annual fee and a cash back introductory bonus. Capital One QuicksilverOne Benefits The QuicksilverOne is a simple card that\u2019s easy to use and easy to be approved for. Even if you don\u2019t have a perfect credit history, the QuicksilverOne\u2019s approval standards may mean you have access to credit building paired with cash back rewards.  Unlimited 1.5% Cash Back Rewards come as cash back, so there\u2019s no worry about devaluation of points or airline miles, and they can be redeemed whenever, and in any amount.  Redemption options include a check or a statement credit.  Cardholders can also apply their cash back to cover a recent purchase on their card, or they can redeem for gift cards.  Increased Credit Line Eligibility After five months of on-time payments, you become eligible for an automatic credit line increase.  CreditWise For cardholders, there\u2019s complimentary access to the CreditWise program from Capital One. You can track your credit score over time, see where you can make improvements, and build your score so you can eventually be approved for an upgraded card like the Quicksilver with good spending and payment habits.  Higher Credit Line After making the first five monthly payments on time, QuicksilverOne cardholders may get access to a higher credit line automatically, without having to request an increase.  Fraud Coverage If your card is lost or stolen and someone makes fraudulent purchases with it, you\u2019re protected with $0 Fraud Liability.  There are security alerts if Capital One sees any suspicious account activity, and there\u2019s a feature called Card Lock. Card Lock is available in the Capital One Mobile app, and you can lock your card if it\u2019s ever lost or stolen.  If Capital One detects a possible mistake on your billing, you\u2019ll receive an account alert, and you can pay for online purchases with virtual card numbers.  Capital One QuicksilverOne Fees There are some fees associated with the Capital One QuicksilverOne.  Annual Fee: $39 The QuicksilverOne has a $39 annual fee, which can be offset with monthly spending of around $250 a month. If you can\u2019t or don\u2019t want to spend that much each month, you might consider a card with no annual fee like the Capital One\u00ae Platinum Credit Card.  Foreign Transaction Fee: $0 There\u2019s no foreign transaction fee with the QuicksilverOne.  Cash Advance Fee: 3% There\u2019s a 3% cash advance fee with the QuicksilverOne. A cash advance is when a cardholder uses an ATM or goes to a financial institution to withdraw cash.  Most card issuers charge a fee, in addition to higher interest rates for cash advances.  Late Payment Fee: $39 If you miss a minimum card payment or don\u2019t make it on time, there\u2019s a $39 late payment fee.  Who the QuicksilverOne Is Good For There are people who might find the QuicksilverOne is a good option for them given the benefits of the card.  Those With Average Credit Due to the rewards structure, the Capital One QuicksilverOne is a good card for someone who doesn\u2019t have perfect credit but who wants to start building their history and at the same time wants to earn cash back.  Those Who Want a Simple Reward Structure The QuicksilverOne is a good card if you want a simple cash back structure and you don\u2019t want to have to worry about bonus or rotating categories. If you want a good everyday spending card or a credit-building card and you can\u2019t qualify for something like the Quicksilver, you might consider the QuicksilverOne.  Who the QuicksilverOne Isn\u2019t Good For While there are upsides to the QuicksilverOne, it may not be right for everyone.  Applicants with Excellent Credit The QuicksilverOne card isn\u2019t ideal for someone with excellent credit because there are cards that offer more perks and higher rewards if you can qualify, including the Quicksilver which boasts a cash back introductory offer of $150 cash back after spending $500 in the first three months.  Cardholders Who Carry a Balance The QuicksilverOne is not a good option for someone who carries a balance because the APR is relatively high. Since the credit lines are typically low, particularly when you\u2019re first approved you could lower your credit score by raising your utilization if you do carry a balance.  Low Spenders If you aren\u2019t going to spend at least $250 a month, the QuicksilverOne might not be the optimal card for you because you wouldn\u2019t be able to offset the $39 annual fee.  Capital One QuicksilverOne Pros and Cons Capital One QuicksilverOne Pros 1.5% cash back rate. Most cards for average credit don\u2019t have any rewards, and even for cards with higher approval requirements, the average cash back rate is around 1% compared to a 1.5% cash back rate with the QuicksilverOne. Can be approved with fair to average credit. The QuicksilverOne is one of the few rewards cards you\u2019re more likely to be approved for if you don\u2019t have good or excellent credit. No limits on cash back. You can spend as much as you want with the QuicksilverOne and continue to earn cash back. You don\u2019t have to think about caps in certain categories or keep track of rotating cash back categories. No redemption minimums. With the QuicksilverOne, you can redeem for cash back whenever you want, rather than only being able to do once you\u2019ve accrued a certain amount of rewards. Opportunity for an automatic credit line increase after five months. Many credit cards don\u2019t automatically up your limit. You have to request an increase, but with the QuicksilverOne after five payments you\u2019ll get an increase automatically. CreditWise access. The CreditWise tool can help you build your credit score with complete visibility, and it also has tools that can help you cultivate a strong financial future. Capital One QuicksilverOne Cons $39 annual fee. Many cards for people with limited or average credit don\u2019t have an annual fee, so you do have to ensure your spending is going to justify paying this. High APR. If you\u2019re someone who typically carries a balance on your credit card, with a high APR, the QuicksilverOne might not be a good option for you. Low initial credit lines starting at $300. The QuicksilverOne is a product for people who are building or working on their credit primarily. Initial credit lines are as low as $300 and go up only to $1000 for qualified applicants. Alternatives to the Capital One QuicksilverOne  \tCapital One QuicksilverOne\tCapital One Quicksilver\tCapital One Platinum\tOpenSky Secured Visa  \t quicksilver-one Learn More capital-one-quicksilver Learn More capital one platinum Learn More opensky secured visa Learn More Best For Earning cash back with less-than-perfect credit Those with improved credit No annual fee No credit check Welcome Offer None $150 cash bonus with $500 spent on purchases in three months of opening account None None Annual Fee $39 $0 $0 $35 Rewards Rate 1.5% unlimited cash back on all purchases 1.5% unlimited cash back on all purchases None None Perks Higher credit line after five on-time monthly payments  Unlimited credit score access and financial tools with CreditWise  $0 Fraud Liability if your card is lost or stolen  Redeem cash back for any amount  No foreign transaction fees  24-hour travel assistance  Travel accident insurance No foreign transaction fees  Extended warranty  Instant purchase notifications  24-hour travel assistance  Complimentary concierge service  Wikibuy access to scan merchants to find the best price  Pay for Amazon purchases with Capital One rewards  Access to culinary, sports and music events CreditWise access to monitor credit score  Access to a higher credit line with five on-time monthly payments  Card Lock if the card is misplaced or stolen  $0 Fraud Liability for unauthorized charges  No foreign transaction fees  24-hour travel assistance Secured card that lets you set your own credit limit, depending on your deposit  No credit check  Reports to all three major credit bureaus  Set up email alerts for payments  Includes all the benefits of a traditional Visa Credit Score Fair to average Excellent Average No credit check Security Deposit Required No No No Yes- between $200 and $3,000 Intro APR None 0% APR for 15 months None None Balance Transfer Fee $0 3% of each transferred balance None None Redemption Options Check, statement credit, covering a card purchase or gift cards Check, statement credit, purchase coverage, gift cards or Amazon shopping None None Minimum Redemption Threshold None None None None Foreign Transaction Fee None None None 3% of each transaction in U.S. dollars Maximum Late Fee $39 $39 $39 $38 Grace Period 25 days 25 days 25 days 25 days","abstract":"Capital One\u00ae QuicksilverOne\u00ae Cash Rewards Credit Card Basics: The Capital One\u00ae QuicksilverOne\u00ae Cash Rewards Credit Card is geared toward consumers with fair or average credit who want the opportunity to earn unlimited 1.5% cash back. Pros: The 1.5% cash back rate, which is unlimited and includes no bonus or rotating categories, is fairly competitive, particularly for a card for people with fair or average credit. That said, there are more competitive cash back cards for well-qualified applicants. Cons: The card comes with a $39 annual fee, and there are no introductory APR offers or bonus cash back offers available. The credit lines with this card are usually low, ranging from $300 to $1,000 for most approved applicants. The variable APR is the same, regardless of creditworthiness, and is relatively high. Rewards (Details) 5\/10   Other Perks (Details) 3\/10   Annual Fee (Details) 9\/10   Welcome Offer 0\/10   Ease of Approval (Details) 8\/10   Intro APR 0\/10   WELCOME OFFER No welcome offer  ANNUAL FEE $39  PERKS \u2022 Access to a higher credit line with first 5 monthly on-time payments \u2022 CreditWise from Capital One access for unlimited credit score access and tools \u2022 $0 Fraud Liability to protect you if your card is stolen or lost \u2022 No foreign transaction fee \u2022 24-hour travel assistance services \u2022 Extended warranty protection","@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#Review"}],"publisher":{"@id":"https:\/\/moneydoneright.com\/#Organization"},"author":{"@id":"https:\/\/moneydoneright.com\/author\/ashley-sutphin-watkins\/"},"about":{"@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#Product"},"mainEntityOfPage":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/","name":"Capital One QuicksilverOne Review Article","headline":"Capital One QuicksilverOne Review: Cash Back for Average-to-Below-Average Credit","image":"https:\/\/moneydoneright.com\/wp-content\/uploads\/capital-one-quicksilverone-review.jpg","dateModified":"2020-04-29","description":"The Capital One\u00ae QuicksilverOne\u00ae Cash Rewards Credit Card is geared toward consumers with fair or average credit who want the opportunity to earn unlimited 1.5% cash back.","datePublished":"2020-03-16","@id":"https:\/\/moneydoneright.com\/capital-one-quicksilverone-review\/#Article"}],{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Personal Finance","item":"https:\/\/moneydoneright.com\/personal-finance\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Credit","item":"https:\/\/moneydoneright.com\/personal-finance\/\/credit\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"Capital One QuicksilverOne Review: Cash Back for Average-to-Below-Average Credit","item":"https:\/\/moneydoneright.com\/personal-finance\/credit\/capital-one-quicksilverone-review\/#breadcrumbitem"}]}]