Capital One QuicksilverOne Cash Rewards
By Alex Compton · Last verified
1.5% cash back for people still building their credit score.
Welcome Bonus
None
No welcome offer; $39 annual fee and unlimited 1.5% cash back confirmed
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.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome offer; $39 annual fee and unlimited 1.5% cash back confirmed | Capital One QuicksilverOne product page → |
| 2026-06 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
$39 fee, unlimited 1.5% and 6-month credit line review confirmed; page no longer advertises the 5% Capital One Travel rate (left unchanged)
Capital One QuicksilverOne product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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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