Capital One QuicksilverOne Cash Rewards
5% on hotels & car rentals (via portal) · $39/yr
The QuicksilverOne offers something many fair-credit cards do not: real rewards, with a flat 1.5% cash back on everything and 5% on hotels and rental cars booked through Capital One Travel, plus no foreign transaction fees. The catch is the $39 annual fee, which means you need to spend about $2,600 a year just to break even on the base rate. There is also no signup bonus and no intro APR, and the 28.99% APR makes carrying a balance costly enough to erase any cash back. It makes sense if your credit currently limits your options and you will put steady spending on it while paying in full. Once your credit improves, look to move to a no-fee card with the same earn rate.
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.