Capital One QuicksilverOne Money Rewards Credit score Card overview
The Capital One QuicksilverOne Money Rewards Credit score Card gives 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 choice for these with restricted credit score historical past. Card ranking*: ⭐⭐⭐½
*Card ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
With an annual payment 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 strong selection regardless of its restricted advantages. It has a really helpful credit score rating of 670 or above.
Let’s dive into the cardboard particulars.
QuicksilverOne professionals and cons
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QuicksilverOne welcome provide
Sadly, the QuicksilverOne gives no conventional sign-up bonus.
That is commonplace on a card for these with a restricted credit score historical past, however there are a couple of choices on the market that may get you some simple rewards.
Associated: 13 playing cards at present providing sign-up bonuses of 100,000 factors or extra
QuicksilverOne advantages
One of the best good thing about the QuicksilverOne is the power to earn as much as six months of complimentary Uber One membership assertion credit by Nov. 14.
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Apart from that, although, you may get just some commonplace 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 a better credit score line in as little as six months.
You may possible 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. Nevertheless, in the event you recurrently spend numerous cash in a specific class, like eating, you may possible need to discover a card that earns extra in that class.
Associated: One of the best bank cards for every bonus class
Redeeming money again on the QuicksilverOne
You may redeem your QuicksilverOne rewards on-line as an announcement credit score, test or present card with no minimal redemption quantity.
Whilst you will not rating any candy spot redemptions with this card, you additionally will not must spend time deciding amongst considerable redemption choices. Money-back rewards are glorious for many who desire 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 need to hold 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 a lot of higher selections obtainable.
For added choices, try our full checklist of the most effective 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 need to earn money again. However when you’ve got a better credit score rating or do not need to pay an annual payment whereas rebuilding your credit score rating, you may do a lot better with a unique card.
Backside line
The QuicksilverOne gives an honest cash-back incomes charge, however the lack of a welcome provide and the $39 annual payment are important 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 payment.
For Capital One merchandise listed on this web page, a number of the above advantages are offered by Visa® or Mastercard® and will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
Apply right here: QuicksilverOne Money Rewards
