MastercardCapital One QuicksilverOne Cash Rewards
1.5% cash back for people still building their credit score.
Welcome Bonus
None
No welcome offer
Spend Requirement
None
Annual Fee
$39
No FTF
Credit Score
580+
(Fair)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 1.5xAll purchases
- 5xHotels, vacation rentals, rental cars via Capital One Travel
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Available with fair credit, no security deposit required
- ✦Automatic credit line review after six months
- ✦No foreign transaction fees
Why it earns its spot
- +Full 1.5% earn at a credit tier where most cards pay nothing
- +Clear graduation path to the regular Quicksilver
Where it costs you
- −$39 annual fee needs $2,600 of spend just to break even
- −No welcome bonus
- −High ongoing APR
The Compound Verdict
A bridge card. The $39 fee buys access to real rewards while your score recovers, and the six-month line review does the rebuilding work. Ask Capital One for an upgrade to the fee-free Quicksilver the moment your credit allows it.
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