Capital One QuicksilverOne Money Rewards Credit score Card overview
The Capital One QuicksilverOne Money Rewards Credit score Card provides 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 score*: ⭐⭐⭐½
*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
With an annual charge 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 provides no conventional sign-up bonus.
That is commonplace 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 straightforward rewards.
Associated: 13 playing cards presently providing sign-up bonuses of 100,000 factors or extra
QuicksilverOne advantages
The perfect advantage of the QuicksilverOne is the power to earn as much as six months of complimentary Uber One membership assertion credit by means of Nov. 14.
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Other than that, although, you will get just some commonplace perks on restricted credit score historical past playing cards, like $0 fraud legal responsibility, the power to observe your credit score rating with CreditWise and the choice to be routinely thought-about for the next credit score line in as little as six months.
You may seemingly discover higher limited-history choices until 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 first rate return if you do not have a very excessive spending class. Nonetheless, in the event you commonly spend plenty of cash in a specific class, like eating, you will seemingly need to discover a card that earns extra in that class.
Associated: The perfect 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, examine or reward card with no minimal redemption quantity.
Whilst you will not rating any candy spot redemptions with this card, you additionally will not need to spend time deciding amongst ample redemption choices. Money-back rewards are wonderful for many who want 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 it’s best to maintain a cash-back bank card in your pockets
What playing cards compete with the QuicksilverOne?
For individuals who need stronger earnings charges and extra perks, there are a lot of higher selections accessible.
For extra choices, try our full record of the very best cash-back playing cards.
Associated: How to decide on a cash-back bank card
Is the QuicksilverOne value it?
The QuicksilverOne is a good choice for these with a restricted credit score historical past who need to earn money again. However when you’ve got the next credit score rating or do not need to pay an annual charge whereas rebuilding your credit score rating, you will do a lot better with a distinct card.
Backside line
The QuicksilverOne provides a good cash-back incomes price, however the lack of a welcome provide and the $39 annual charge are important drawbacks. Regardless of your credit score rating, there are alternatives on the market that provide comparable earnings and extra perks, all with out an annual charge.
For Capital One merchandise listed on this web page, among the above advantages are supplied by Visa® or Mastercard® and should range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
Apply right here: QuicksilverOne Money Rewards
