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Capital One® Quicksilver® vs. Capital One® QuicksilverOne®

By , CardRatings contributor

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Modernity is fraught with countless complexities. From trying to understand cryptocurrency to demystifying why toast with avocado costs $18, the intricacies of modern money can leave you with more questions than answers. Thankfully, that mold is broken with simple and easy to understand things. The Capital One® Quicksilver® Cash Rewards Credit Card and Capital One® QuicksilverOne® Cash Rewards Credit Card provide just that sort of uncomplicated simplicity: unlimited 1.5% cash-back on every purchase made, every day. With these two cards there are no quarterly bonus categories to keep track of or spending caps to memorize; just straightforward rewards earning without any extra hoops to jump through.

In addition to providing unlimited flat rate cash-back, both the Quicksilver® and QuicksilverOne® cards from Capital One have excellent rewards redemption options including redeeming cash-back for statement credits or gift cards from a variety of merchants. Both of the cards come with extra perks including $0 fraud liability coverage for unauthorized charges if your card is lost or stolen, no foreign transaction fees, and 24/7 access to industry leading customer service.

What is the difference between Capital One® Quicksilver® and QuicksilverOne®?

Their cash back rewards are identical and their names are (almost) as well, so what gives? Targeting different types of consumers, the main difference between Capital One® Quicksilver® and QuicksilverOne® boils down to your credit score. The Capital One® QuicksilverOne® Cash Rewards Credit Card is a rewards card geared towards those who have limited credit history or just average credit. Many cards for individuals looking to build their credit don’t provide rewards earning capabilities, so the QuicksilverOne® card is noteworthy in this way. The card also has unique incentives for credit builders like Credit Steps, which gives users access to a higher credit line after the first five monthly payments are made on time. All of these special features do come with an annual fee of $39, however, this is small price to pay considering the benefits – both immediate and long term.

The Capital One® Quicksilver® Cash Rewards Credit Card, on the other hand, is for individuals with good to excellent credit rather than those looking to build their credit. It has no annual fee so you will not need to factor that expense into the overall card value analysis. Unlike its annual fee counterpart, the Quicksilver® card does not come with the Credit Steps feature to get an automatic increase in credit limit, but if you are someone who already has excellent credit and doesn’t want to pay an annual fee, it is likely the better choice.

New cardholder rewards bonus

Another distinct difference between these two cards is the signup bonus offered to new cardholders. For new cardmembers, the Capital One® Quicksilver® Cash Rewards Credit Card is currently offering a one-time $150 cash bonus after you spend $500 on purchases within the first three months of account opening. This bonus is in addition to the 1.5% cash back earned on every purchase. The Capital One® QuicksilverOne® Cash Rewards Credit Card does not offer a new cardmember bonus, so you are limited to earning cash-back solely on your purchases rather than with an initial bonus. If your primary focus is getting the maximum amount of cash-back from one of these cards, the initial $150 bonus gives the Quicksilver® card a huge edge, however, remember that this card is reserved for those with good to excellent credit.

Balance trasfers

Balance transfer rates can be a huge factor for individuals looking to roll over balances from other cards. If you are considering a new card with balance transfer benefits, the Capital One® Quicksilver® Cash Rewards Credit Card is currently offering an introductory 0% APR on purchases and balance transfers for the first 15 months (then 15.74% - 25.74% (Variable) after that). This is ample time to get those balances consolidated on to one card. The Capital One® QuicksilverOne® Cash Rewards Credit Card does not have an incentive for balance transfers with a current 26.46% (Variable) purchase and balance transfer APR. So, if your primary focus is a low introductory balance transfer rate, the Quicksilver® card has the edge here as well.

When deciding between these two cards, ultimately it comes down to your credit history and goals. For those looking to build their credit and don’t mind a modest annual fee to get excellent rewards earning potential, the Capital One QuicksilverOne® card is a great choice. On the other hand, if you have established good credit, prefer no annual fee, and are looking for excellent sign up incentives, then the Capital One Quicksilver® is likely the better way to go.

To learn more about how these two cards match up, check out the table below to compare the various rewards, benefits, features, and fees associated with each card.

Capital One® Quicksilver® vs. Capital One® QuicksilverOne®

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® QuicksilverOne® Cash Rewards Credit Card

Capital One® QuicksilverOne® Cash Rewards Credit Card

Annual Fee
Annual Fee 

$0

$39

New Cardholder Bonus Offer
New Cardholder Bonus Offer

One-time $150 cash bonus after you spend $500 on purchases within three months from account opening

NA

Cash Back Rewards
Rewards

Earn unlimited 1.5% cash back on all purchases

Earn unlimited 1.5% cash back on all purchases

Redeeming Rewards
Redeeming Rewards
  • Redeem your cashback for cash or to cover your purchases as a statement credit
  • Redeem cashback for gift cards with a wide variety of merchants
  • Redeem your cashback for cash or to cover your purchases as a statement credit
  • Redeem cashback for gift cards with a wide variety of merchants
Purchase and Balance Transfer APR
Purchase and Balance Transfer APR

Introductory 0% APR on purchases and balance transfers for the first 15 months (then 15.74% - 25.74% (Variable) after that); 3% fee on the amounts transferred within the first 15 months

26.46% (Variable); $0 balance transfer fee

Foreign Transaction Fees
Foreign Transaction Fees

None

None

Travel Protection
Travel Protection
  • 24-hour travel assistance services

  • Travel accident insurance

  • Roadside assistance

  • Auto rental collision damage waiver

  • 24-hour travel assistance services

  • Travel accident insurance

  • Roadside assistance

  • Auto rental collision damage waiver

Purchase Protection

Purchase Protection

     

  • Extended warranty protection doubles the time period of the original U.S. manufacturer’s warranty (up to one year) on eligible warranties of three years or less
  • $0 fraud liability
  • Extended warranty protection doubles the time period of the original U.S. manufacturer’s warranty (up to one year) on eligible warranties of three years or less
  • $0 fraud liability
Account Protection
Account Protection
  • Virtual account numbers allow you to keep your card number to yourself and shop online more securely

  • $0 fraud liability for unauthorized charges if your card is lost or stolen

  • Card Lock allows you to effortlessly lock your card with a few taps if it has been misplaced, lost or stolen

  • Virtual account numbers allow you to keep your card number to yourself and shop online more securely

  • $0 fraud liability for unauthorized charges if your card is lost or stolen

  • Card Lock allows you to effortlessly lock your card with a few taps if it has been misplaced, lost or stolen

Customer Service
Customer Service
  • 24/7 access to customer service specialist

  • Complimentary access to Visa Signature Concierge service for comprehensive, personalized assistance in in dining, entertainment and travel

  • 24/7 access to customer service specialist

  • Get access to higher credit line with Credit Steps after making your first five monthly payments on time

For a full synopsis of each card, be sure to check out our Capital One® Quicksilver® Cash Rewards Credit Card and Capital One® QuicksilverOne® Cash Rewards Credit Card reviews.

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