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Capital One QuicksilverOne
Capital One

Capital One QuicksilverOne

A $39-a-year cash back card from Capital One.

Pools with Capital One → transferable
Annual fee
$39/yr
Welcome bonus
None
Min spend
N/A
Recommended credit
Fair (580+)
Network
Mastercard
Foreign transaction fee
None
Apply on Capital One site3.4/10Our rating · review ›

Rates, fees, and full terms are set by Capital One and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: Capital One application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

someone rebuilding credit who wants a card that reports to all three bureaus.

⚠ Think twice if

you will not use enough of its perks and credits to cover the $39 annual fee.

Earning rates

1.5% cash back on every purchase
5% cash back on hotels and rental cars booked through Capital One Travel

Best ways to earn & redeem

Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.

When you cash in, pool the rewards into the issuer transferable points when you also hold an eligible card, then move them to travel partners. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

Automatic credit limit review after 6 months
Access to CreditWise® credit monitoring
No foreign transaction fees
Fraud coverage if your card is lost or stolen
Step up card toward Venture X and Savor, same Capital One ecosystem

Transfer partners

On its own this card earns Miles worth about 1 cent each. Pool it with a Capital One transfer card such as the Venture X, though, and the points unlock the same airline and hotel transfers, where major partners include:

Airline partners

Air Canada Aeroplan, Turkish Miles & Smiles, Avianca LifeMiles, Flying Blue (Air France/KLM), Singapore Airlines, British Airways

To see what a specific flight award actually costs, look up live mileage prices and seat availability on seats.aero.

Hotel partners

Wyndham Rewards

You can check the live points price for a specific stay on rooms.aero.

See the full Capital One ecosystem, card lineup, and live transfer bonuses →

Alternatives to the Capital One QuicksilverOne

Pairs well with

The Capital One QuicksilverOne earns Miles but cannot transfer on its own. Pair it with a Capital One transfer hub to unlock airline and hotel transfers.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Capital One QuicksilverOne lands.

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