Capital One QuicksilverOne Cash Rewards
5% on hotels & car rentals (via portal) · $39/yr
The QuicksilverOne pays a flat 1.5% back on every purchase with no categories to manage, which is a genuine rewards rate on a card aimed at people still building credit. The problem is the $39 annual fee: at 1.5%, you need to spend about $2,600 a year just to earn the fee back, and every dollar short of that is a net loss. Hotels and rental cars booked through Capital One Travel earn 5%, but only when booked inside that portal. There is no signup bonus and no intro APR window, and the regular rate is a flat 28.99%, so a carried balance is expensive from the first month. If you can qualify for a no fee card earning the same 1.5%, take that instead; this one makes sense mainly when approval odds, not economics, are the binding constraint.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels & Car Rentals (via Portal) | 5% |
Everything Else | 1.5% |
Card details
Regular APR | 28.99% variable |
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Capital One QuicksilverOne Cash Rewards
Capital One QuicksilverOne Cash RewardsBased on 2 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.