Does the Capital One QuicksilverOne Cash Rewards have an annual fee?

Yes — $39 a year, according to the issuer information in our record.

Is the Capital One QuicksilverOne Cash Rewards worth it in the first year?

Using our illustration ($12,000 of yearly spending), the first year comes out around $141 before credits, including a welcome bonus valued at $0. Year two drops to about $141 before credits.

What credit do I need for the Capital One QuicksilverOne Cash Rewards?

Our record lists "Fair" credit as the typical target for the Capital One QuicksilverOne Cash Rewards. Capital One makes the final decision based on its own criteria.

Capital One QuicksilverOne Cash Rewards Credit Card

Capital One

$39

Annual Fee

visaFaircash-back5 months ago

Welcome Offer

No Welcome Offer

Check issuer terms ↗

OpenCard analysis

Is the Capital One QuicksilverOne Cash Rewards Credit Card right for you?

The Capital One QuicksilverOne Cash Rewards is a $39-a-year cash-back card from Capital One. It earns a flat 1.5% on purchases. It needs to earn at least $39 more a year than a no-fee alternative to justify the fee.

Who it's for

✓ People who want one rate (1.5%) everywhere without tracking categories

Who should skip it

— Anyone who won't earn at least $39 a year more than a no-fee card

First-year value estimate

Welcome bonus

Rewards on spending

$180

Annual fee (year 1)

−$39

Year 1, before credits

$141

Year two, without the welcome bonus: about $141 before credits ($180 in rewards minus the $39 fee).

Assumptions

$12,000 a year of purchases at 1.5%, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
No welcome bonus is listed in our record, so none is counted.
Annual fee of $39 in year one and every year after.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-27.

How it compares

Bank of America Travel Rewards →

Bank of America, lower fee ($0 vs $39); earns 1.5% on everything.

Chase Freedom Rise →

Chase, lower fee ($0 vs $39); earns 1.5% on everything.

Citi Double Cash →

Citi, lower fee ($0 vs $39); earns 2% on everything.

Compare side by side →

Frequently asked questions

Does the Capital One QuicksilverOne Cash Rewards have an annual fee?: Yes — $39 a year, according to the issuer information in our record.
What does the Capital One QuicksilverOne Cash Rewards earn?: A flat 1.5% on purchases.
Is the Capital One QuicksilverOne Cash Rewards worth it in the first year?: Using our illustration ($12,000 of yearly spending), the first year comes out around $141 before credits, including a welcome bonus valued at $0. Year two drops to about $141 before credits.
What credit do I need for the Capital One QuicksilverOne Cash Rewards?: Our record lists "Fair" credit as the typical target for the Capital One QuicksilverOne Cash Rewards. Capital One makes the final decision based on its own criteria.