Navigating modern finance is complicated enough — from trying to understand cryptocurrency to wondering why avocado toast now costs $18. Your credit card rewards shouldn’t add to that headache. The Capital One Quicksilver Cash Rewards Credit Card discontinued and Capital One QuicksilverOne Cash Rewards Credit Card discontinued are built for simplicity, offering an unlimited 1.5% cash back on every purchase, every day.
There are no rotating categories to track or spending caps to memorize; it’s just simple rewards earning without the extra hoops. While their flat-rate rewards are identical, these cards are designed for different stages of your financial journey. The “best” choice for you depends entirely on your current credit score and whether you’re looking to avoid an annual fee or build your credit history.
The table below compares the fees, bonuses, and credit requirements for both cards side-by-side.
Credit Required
credit_score_needed
credit_score_needed
Annual Fee
AnnualFees
AnnualFees
New Cardholder Bonus Offer
Earn a signup_reward cash bonus once you spend signup_bonus_spend_amount on purchases within the first three months from account opening.
N/A
Cash Back Rewards
Earn unlimited 1.5% cash back on all purchases
Earn unlimited 1.5% cash back on all purchases
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
Introductory 0% APR on purchases and balance transfers for the first intro_apr_duration (then, RegAPR after that); balance transfer fee applies.
RegAPR; BalanceTransferFees
Foreign Transaction Fees
foreign_fee
foreign_fee
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
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
- 24/7 access to customer service specialist
- Personalized assistance in dining, entertainment and travel
- 24/7 access to customer service specialist
- Get access to higher credit line with Credit Steps in as little as six months
Capital One Quicksilver vs. QuicksilverOne: Key differences
The main difference between the Capital One Quicksilver Cash Rewards Credit Card and the Capital One QuicksilverOne Cash Rewards Credit Card comes down to credit requirements and cost. While both cards offer the same 1.5% cash back on purchases, they are designed for very different types of users.
Capital One Quicksilver is best for good to excellent credit
The Capital One Quicksilver Cash Rewards Credit Card is designed for consumers with good to excellent credit who want a straightforward rewards experience.
- Earn a signup_reward cash bonus: You can earn a signup_reward one-time cash bonus after spending signup_bonus_spend_amount on purchases within the first three months of account opening.
- No annual fee: This makes it a high-value, long-term cash-back option with no overhead costs.
- Flat-rate rewards: Earns unlimited 1.5% cash back on all purchases.
- Prime product: Better suited for users who already qualify for top-tier credit products and don’t need credit-building tools.
Since this card doesn’t include specialized features like automatic limit increases, it’s ideal for users who already have an established credit profile and want a simple, high-value rewards card.
Capital One QuicksilverOne is best for fair or average credit
The Capital One QuicksilverOne Cash Rewards Credit Card is geared toward consumers with fair or average credit who are looking to improve their standing.
- annual_fees annual fee: There is a modest cost for access to this credit tier.
- Earn while you build: Earns the same unlimited 1.5% cash back as the flagship version, helping you offset the annual fee through everyday spending.
- No welcome bonus: Unlike the standard Quicksilver, this version does not currently offer a welcome bonus for new cardholders.
- Path to a higher limit: Includes Credit Steps, which may automatically increase your credit limit after six months of on-time payments.
This makes it a strong option for those looking to build or improve their credit while still earning rewards— something not commonly offered by cards available to those with average credit.
How to know which card you’re eligible for
Because these cards are designed for different credit tiers, your eligibility depends primarily on your current credit score. To avoid applying for the wrong product, you should confirm your score before you submit an application.
Where to check your credit score
- Your bank or current card issuer: Most major banks now provide a free credit score tool or monthly statement updates.
- Credit monitoring apps: Third-party services and apps often provide free weekly score updates and credit report monitoring.
Why checking your score matters
Applying for a card that doesn’t match your credit profile increases your chances of rejection, which can lead to a hard inquiry on your report that temporarily lowers your score. By knowing where you stand first, you can target the card that fits your current financial profile and avoid unnecessary credit hits.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
