Capital One QuicksilverOne overview: Full particulars

The Capital One QuicksilverOne Cash Rewards Credit Card provides easy, limitless 1.5% cash-back rewards charges. Whilst you’ll get higher earnings with different cash-back playing cards, the QuicksilverOne is a strong possibility for these with restricted credit score historical past. Card score*: ⭐⭐⭐½

*Card rating relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

With an annual charge of $39 (see rates and fees), the Capital One QuicksilverOne Cash Rewards Credit Card is designed for these trying to construct up their credit score rating whereas nonetheless incomes a modicum of cash-back rewards.

The QuicksilverOne boasts a easy incomes construction of 1.5% again on all purchases, making it a strong alternative regardless of its restricted advantages. It has a advisable credit score of 670 or above.

Let’s dive into the cardboard particulars.

Sadly, the QuicksilverOne provides no conventional sign-up bonus.

That is commonplace on a card for these with a restricted credit score historical past, however there are just a few choices on the market that may get you some straightforward rewards.

Associated: 13 cards currently offering sign-up bonuses of 100,000 points or more

The perfect good thing about the QuicksilverOne is the power to earn as much as six months of complimentary Uber One membership statement credits by means of Nov. 14.

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Except for that, although, you may get just some customary perks on restricted credit score historical past playing cards, like $0 fraud legal responsibility, the power to watch your credit score rating with CreditWise and the choice to be robotically thought of for the next credit score line in as little as six months.

You’ll be able to probably discover higher limited-history choices except you are keen on the complimentary Uber One membership.

Incomes money again on the QuicksilverOne

The QuicksilverOne earns a easy 1.5% money again on all purchases.

This can be a respectable return if you do not have a very excessive spending class. Nonetheless, for those who repeatedly spend a lot of cash in a specific class, like dining, you may probably wish to discover a card that earns extra in that class.

Associated: The best credit cards for each bonus category

You’ll be able to redeem your QuicksilverOne rewards on-line as an announcement credit score, examine or present card with no minimal redemption quantity.

Whilst you will not rating any candy spot redemptions with this card, you additionally will not should spend time deciding amongst considerable redemption choices. Money-back rewards are wonderful for many who choose simplicity.

TPG bank card author Emily Thompson appreciates the flexibility of cash-back rewards and likes to make use of her money again to cowl issues that factors and miles do not, like airport meals and items.

Associated: Why you should keep a cash-back credit card in your wallet

For added choices, try our full checklist of the best cash-back cards.

Associated: How to choose a cash-back credit card

The QuicksilverOne is an honest possibility for these with a restricted credit score historical past who wish to earn money again. However in case you have the next credit score rating or do not wish to pay an annual charge whereas rebuilding your credit score rating, you may do a lot better with a unique card.

The QuicksilverOne provides an honest cash-back incomes price, however the lack of a welcome provide and the $39 annual charge are vital drawbacks. Regardless of your credit score rating, there are alternatives on the market that supply comparable earnings and extra perks, all with out an annual charge.

For Capital One merchandise listed on this web page, a few of the above advantages are offered by Visa® or Mastercard® and should differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.

Apply right here: QuicksilverOne Cash Rewards