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ClearValue Cards

Capital One QuicksilverOne Cash Rewards

Capital One · Cashback review

Reviewed by ClearValue Editorial Team · Schumer Box terms as of
Best for Applicants with fair credit
Capital One
Worth considering

Capital One QuicksilverOne Cash Rewards

77
/100
Annual fee
$39
Ongoing APR
29.99%
Foreign txn fee
None
Best for

Applicants with fair credit (roughly 580–669) who want to earn while they build — 1

Fees sourced from issuer terms · 2026-07-08

ClearValue score
77/100
Worth considering

Applicants with fair credit (roughly 580–669) who want to earn while they build — 1

Find my match

Sorted by score, never commission

Annual fee

$39

Charged each renewal year

Ongoing APR

Approx. 29.99% variable — verify at capitalone.com

Variable — verify the current range at the issuer

Foreign transaction fee

None

Travel-friendly abroad

As of July 8, 2026

Best for

Applicants with fair credit (roughly 580–669) who want to earn while they build — 1.5% unlimited cash back on every purchase, no security deposit, and an automatic credit-line review after six months of on-time payments.

Not for

Low spenders (you'd need about $2,600/yr of spend for the 1.5% to offset the $39 annual fee) and applicants with poor credit, who may need a secured card first.

The catch

The $39 annual fee eats into the rewards — at 1.5%, break-even is roughly $2,600 of annual spend. For most rebuilders the real value is the credit-building mechanism, so if you won't spend enough to clear the fee, a no-fee secured card is more efficient.

Card facts

Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.

Product specs

Annual fee
$39
Ongoing APR
Approx. 29.99% variable — verify at capitalone.com
Foreign transaction fee
None
Schumer Box verified
July 8, 2026

How we scored this card

See our published methodology — 5 dimensions, 0–20 each, 100-point total.

Effective rewards rate14 / 20
Fee structure13 / 20
Audience fit17 / 20
Transparency and trust16 / 20
Honest weakness named17 / 20
Total77 / 100 · Worth considering

Frequently asked

Is the Capital One QuicksilverOne Cash Rewards's $39 annual fee worth it?

The Capital One QuicksilverOne Cash Rewards charges a $39 annual fee. In our review it earns a fees score of 13/20 — the "How we scored this card" section below shows how we weigh that against the rewards and benefits. Applicants with fair credit (roughly 580–669) who want to earn while they build — 1.5% unlimited cash back on every purchase, no security deposit, and an automatic credit-line review after six months of on-time payments.

What APR does the Capital One QuicksilverOne Cash Rewards charge?

Approx. 29.99% variable — verify at capitalone.com. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.

Does the Capital One QuicksilverOne Cash Rewards charge foreign transaction fees?

No. The Capital One QuicksilverOne Cash Rewards has no foreign transaction fee, so it works cleanly for purchases abroad.

Who is the Capital One QuicksilverOne Cash Rewards best for?

Applicants with fair credit (roughly 580–669) who want to earn while they build — 1.5% unlimited cash back on every purchase, no security deposit, and an automatic credit-line review after six months of on-time payments.

Who should skip the Capital One QuicksilverOne Cash Rewards?

Low spenders (you'd need about $2,600/yr of spend for the 1.5% to offset the $39 annual fee) and applicants with poor credit, who may need a secured card first.

How did ClearValue score the Capital One QuicksilverOne Cash Rewards?

Capital One QuicksilverOne Cash Rewards scored 77/100 — "Worth considering". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and whether an honest weakness is named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.

Alternatives to the Capital One QuicksilverOne Cash Rewards

Other cashback cards we've scored, ranked by our methodology.

This is an independent editorial review. This page carries no partner link and earns nothing from what you read here — our scoring is never influenced by compensation, and reflects only our published rubric. When you use our match tool, we may be paid by a partner (CardRatings) if you continue with a card from there. See our methodology and disclosure.
Capital One QuicksilverOne Cash Rewards
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