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Capital One · credit
Last updated
Is the QuicksilverOne worth keeping when the fee hits?
Welcome offer — No traditional welcome bonus; higher credit line reviewed after 6 months Inferred by source
Apply on Capital One's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs fair credit (580–669) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 5× | Hotels & rental cars via Capital One Travel Inferred by source |
|---|---|
| 1.5× | Every purchase Inferred by source |
No lounge access.
| Builds toward better cards | Qualify with fair credit and no deposit; automatic credit-line reviews Inferred by source |
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Using QuicksilverOne at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | 5% of each advance, minimum $5 Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Capital One QuicksilverOne Cash Rewards Credit Card has a $39 annual fee.
Using its non-spend-gated credits fully, the Capital One QuicksilverOne Cash Rewards Credit Card returns about $0 in value against its $39 annual fee — a net of −$39 per year. It only makes sense if you value its perks beyond the listed credits.
The Capital One QuicksilverOne Cash Rewards Credit Card earns Redeem any amount as statement credit, check or gift cards.
No — the Capital One QuicksilverOne Cash Rewards Credit Card does not include airport lounge access.
No — the Capital One QuicksilverOne Cash Rewards Credit Card has no foreign transaction fee, so it's a good card to use abroad.
No traditional welcome bonus; higher credit line reviewed after 6 months. Welcome offers change frequently — confirm the current one on the issuer's page before applying.