Capital One® Quicksilver® Cash Rewards Credit Card vs. Capital One® QuicksilverOne® Cash Rewards Credit Card: Which Is Best?

The Capital One Quicksilver Cash Rewards Credit Card offers unlimited 1.5% cash back on every purchase you make, plus a one-time cash bonus of $200 after you spend after you spend $500 on purchases within 3 months from account opening.

Based on how the average American consumer spends*:

Annual rewards value: $276
Sign-up bonus value: $200
First-year value: $476
Total two-year value: $752

The Capital One QuicksilverOne Cash Rewards Credit Card offers 1.5% cash back on every purchase. The card doesn’t provide a sign-up bonus.

Based on how the average American consumer spends*:

Annual rewards value: $276
Sign-up bonus value: $0
First-year value: $276
Total two-year value: $552

Best two-year value: Capital One Quicksilver Cash Rewards Credit Card

*Rewards value is based on data from the 2017 U.S. Bureau of Labor Statistics’ Consumer Expenditure Survey, rounded to the nearest $100 for annual expenditures. That amounts to $500 for flights, $500 for hotels, $3,400 for dining, $4,400 for groceries, $2,000 for gas, $3,000 for entertainment, $1,800 for apparel and services, $800 for personal care products and services, and $2,000 for all other expenditures, earned and redeemed at the highest value available.

The Capital One Quicksilver Cash Rewards Credit Card has no annual fee and no foreign transaction fee. If you transfer a balance, you’ll pay a fee of 3% of the transfer amount during the first 15 months your account is open, then no fee after that. There’s also a late payment of up to $40.

The Capital One QuicksilverOne Cash Rewards Credit Card charges a $39 annual fee. The card does not have a foreign transaction fee or and no transfer fee at this transfer APR. A late fee of up to $40 applies.

Lowest fees: Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card offers an introductory 0% APR on purchases for the first 15 months that your account is open. After that, your APR will be 19.24% to 29.24% (variable)

The Capital One QuicksilverOne Cash Rewards Credit Card has a 29.74% (variable) APR. The card has no 0% introductory rate for purchases or balance transfers.

Lowest minimum APR: Capital One Quicksilver Cash Rewards Credit Card

Most valuable benefits: Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card offers a high flat rewards rate on every purchase you make, plus a long introductory 0% APR promotion on purchases, giving you a chance to save on interest.

Capital One QuicksilverOne Cash Rewards Credit Card is a rewards card designed for people with limited credit or who are rebuilding credit.