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Capital One QuicksilverOne Money Rewards Credit score Card overview
The Capital One QuicksilverOne Money Rewards Credit score Card affords easy, limitless 1.5% cash-back rewards charges. Whilst you’ll get higher earnings with different cash-back playing cards, the QuicksilverOne is a stable choice for these with restricted credit score historical past. Card score*: ⭐⭐⭐½
*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
With an annual price of $39 (see charges and charges), the Capital One QuicksilverOne Money Rewards Credit score Card is designed for these seeking 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 stable alternative regardless of its restricted advantages. It has a really useful credit score rating of 670 or above.
Let’s dive into the cardboard particulars.
QuicksilverOne professionals and cons
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QuicksilverOne welcome supply
Sadly, the QuicksilverOne affords no conventional sign-up bonus.
That’s common 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 simple rewards.
QuicksilverOne advantages
The very best good thing about the QuicksilverOne is the flexibility to earn as much as six months of complimentary Uber One membership assertion credit via Nov. 14.
Other than that, although, you’ll get only a few commonplace perks on restricted credit score historical past playing cards, like $0 fraud legal responsibility, the flexibility to observe your credit score rating with CreditWise and the choice to be mechanically thought-about for the next credit score line in as little as six months.
You may doubtless discover higher limited-history choices except you’re 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 for those who don’t have a very excessive spending class. Nevertheless, for those who usually spend a number of cash in a specific class, like eating, you’ll doubtless wish to discover a card that earns extra in that class.
Associated: The very best bank cards for every bonus class
Redeeming money again on the QuicksilverOne
You may redeem your QuicksilverOne rewards on-line as a press release credit score, verify or reward card with no minimal redemption quantity.
Whilst you received’t rating any candy spot redemptions with this card, you additionally received’t need to spend time deciding amongst plentiful redemption choices. Money-back rewards are glorious 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 don’t, like airport meals and items.
Associated: Why it is best to maintain a cash-back bank card in your pockets
What playing cards compete with the QuicksilverOne?
For many who need stronger earnings charges and extra perks, there are numerous higher decisions accessible.
- When you have a stronger credit score historical past: The Capital One Quicksilver Money Rewards Credit score Card additionally earns 1.5% money again on all purchases and affords a sign-up bonus and extra perks for no annual price (see charges and charges). For extra particulars, see our full assessment of the Quicksilver.
- If you need extra incomes potential: The Citi Double Money® Card (see charges and charges) earns 2% on all purchases (1% if you purchase and 1% as you pay) and in addition has no annual price. For extra particulars, see our full assessment of the Citi Double Money.
- In the event you choose Chase: The Chase Freedom Limitless®, additionally with no annual price, earns 1.5% money again on all purchases plus 5% money again on Chase Journey and three% again at drugstores and on eating. For extra particulars, see our full assessment of the Chase Freedom Limitless.
For added choices, try our full listing of the very best cash-back playing cards.
Associated: How to decide on a cash-back bank card
Is the QuicksilverOne price it?
The QuicksilverOne is an honest choice for these with a restricted credit score historical past who wish to earn money again. However you probably have the next credit score rating or don’t wish to pay an annual price whereas rebuilding your credit score rating, you’ll do significantly better with a distinct card.
Backside line
The QuicksilverOne affords an honest cash-back incomes fee, however the lack of a welcome supply and the $39 annual price are vital drawbacks. Irrespective of your credit score rating, there are alternatives on the market that provide comparable earnings and extra perks, all with out an annual price.
For Capital One merchandise listed on this web page, among the above advantages are offered by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
Apply right here: QuicksilverOne Money Rewards