Quicksilver vs. QuicksilverOne: Card comparison

October 14, 2025|6 min read

Capital One Quicksilver and QuicksilverOne are cash back rewards credit cards. They both offer unlimited 1.5% cash back on every purchase and rewards that don’t expire for the life of the account.

But there are key differences between them. Keep reading to compare Quicksilver and QuicksilverOne cards and find out which card might be best for you.

What you’ll learn

Quicksilver and QuicksilverOne are cash back rewards credit cards that let you earn unlimited 1.5% on every purchase, every day.
With both cards, you can also earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel plus 5% cash back on purchases at Capital One Entertainment.
Quicksilver is designed for people with excellent credit. QuicksilverOne is ideal for credit builders or those with fair credit.
Both cards offer travel benefits, security features and access to account management apps and tools.

Quicksilver vs. QuicksilverOne: At a glance

Here’s an overview of the Quicksilver and QuicksilverOne cards’ key terms and benefits:

	Quicksilver View important rates and disclosures.	QuicksilverOne View important rates and disclosures.
Annual fee	$0	$39
Rewards rate	1.5% cash back on all purchases 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel 5% cash back on Capital One Entertainment purchases	1.5% cash back on all purchases 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel 5% cash back on Capital One Entertainment purchases
Bonus offer	$200 bonus with $500 spent on purchases within the first 3 months Limited-time offer of $100 credit to book flights, hotels, vacation rentals and rental cars through Capital One Travel for use during first cardholder year	No current offer
Rewards	Unlimited rewards that don’t expire Flexible redemption options	Unlimited rewards that don’t expire Flexible redemption options
Intro APR	Yes	No
Security features	Yes	Yes
Travel benefits	Yes	Yes
Credit level	Excellent	Fair

Quicksilver features and benefits

The Quicksilver card is a no-annual-fee card for people with excellent credit. View important rates and disclosures. Eligible cardholders can enjoy:

1.5% cash back: Earn unlimited 1.5% cash back on every purchase, every day.
5% cash back: Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel and purchases on Capital One Entertainment.
Unlimited rewards: There’s no limit on how much you can earn, and rewards won’t expire for the life of your account.
Introductory APR: Purchases and balance transfers have an introductory APR for the first 15 months.

Quicksilver and QuicksilverOne shared benefits

Both Quicksilver and QuicksilverOne offer access to these cardholder benefits:

Flexible redemption options

Cardholders can maximize their rewards with flexible redemption options that fit their lifestyle and spending habits, including:

Cash back: You can redeem your rewards for cash in the form of a statement credit or a check. You may also be able to use your rewards to get reimbursed for a recent purchase.
Gift cards: Redeem your rewards for gift cards to use at a wide variety of merchants, including retail stores, food delivery services, gas stations and restaurants.
Shopping with online retailers: Capital One lets cardholders use rewards to shop at Amazon.com and through PayPal Pay with Rewards.

Travel benefits

Travel benefits with both cards include:

No foreign transaction fees: With a Quicksilver card, for example, you won’t pay foreign transaction fees when you make purchases outside the U.S. View important rates and disclosures.
Emergency card replacement: If your card is lost or stolen while traveling, Capital One will quickly help you get an emergency replacement.

Both cards also offer access to Capital One Travel. When booking through Capital One Travel, cardholders can enjoy:

Price drop protection: If you book a flight recommended by Capital One and the price drops within 10 days, you’ll automatically receive up to $50 in travel credit for the difference.
Price match: If you find a better price within 24 hours of booking, Capital One will match it and give you a travel credit for the difference.
Flexible booking: Make your travel plans more flexible with features like canceling your flight for any reason.

Entertainment benefits

With Capital One Entertainment, Quicksilver and QuicksilverOne cardholders can get exclusive tickets and VIP access to live music, sports, theater performances, special dining events and more. Cardholders can also redeem rewards for tickets.

Security features

The Quicksilver and QuicksilverOne cards can help you keep your money safe with features like:

Security alerts: When you add your mobile phone number to your account, you can get notified if Capital One notices potentially suspicious activity.
$0 fraud liability: If your card is lost or stolen, you won’t be responsible for unauthorized charges.
Virtual card numbers: Make purchases online while keeping your actual card number to yourself and without needing to have your physical card on hand.
Card lock: Easily lock your card from being used if it’s ever lost, misplaced or stolen. You can unlock it just as easily when you’re ready.

Apps and digital services

These apps and tools can help you manage your account and make the most of your money:

Eno, your Capital One assistant: Eno looks out for you and your money around the clock and reaches out if it spots something unusual and can help you fix it. That includes monitoring your transactions and notifying you when it finds unusual account activity, like duplicate charges.
Capital One Mobile app: Manage your account while you’re on the go with the Capital One Mobile app. You can check your balance, view your transactions, get alerts, pay your bill and more.
Capital One AutoPay: Set up AutoPay for your account to help avoid missing a payment. You can choose to pay the minimum amount, your last statement balance or a fixed monthly amount of your choice.

And these are available to everyone, whether you’re a Capital One customer or not:

CreditWise from Capital One: CreditWise is a free tool that helps you monitor your credit report and credit score.
Capital One Shopping: Rather than searching for the lowest price when you’re shopping online, use Capital One Shopping. It’s a free browser extension that instantly searches for available coupon codes.

Key takeaways: Quicksilver and QuicksilverOne cards

The Quicksilver and QuicksilverOne cards both offer 1.5% cash back on all purchases. Quicksilver is perfect for those with excellent credit, offering a $0 annual fee, a generous welcome bonus and a variety of benefits for travel, dining and entertainment. View important rates and disclosures. QuicksilverOne is designed for those with fair credit, lets customers earn rewards while they build credit and comes with a $39 annual fee. View important rates and disclosures.

Explore other Capital One rewards credit cards

Whether you’re an avid foodie, a globe-trotting adventurer or someone who wants to earn cash back on everyday purchases, Capital One has a rewards card to fit your lifestyle.

See if you’re pre-approved for credit cards without harming your credit scores.
Explore travel rewards cards with unlimited miles you can actually use.
Earn unlimited 1.5% cash back on every purchase, every day, with a cash back rewards card.
Earn unlimited cash back on food and fun with a dining and entertainment rewards card.

Footnotes

Learn more about FDIC insurance coverage.

Offer disclosure: Eligible VentureOne, Savor and Quicksilver primary account holders will receive a one-time $100 Capital One Travel credit (“Credit”) to use toward purchases made through Capital One Travel. The Credit will expire after the first year of account opening, on the account open date anniversary. The Credit will be available within Capital One Travel and can be applied to purchases at checkout. The Credit may be used in whole for a single purchase or in part over multiple purchases. Rewards will not be earned on the Credit. If the purchase using the Credit is canceled, the Credit will be restored if it is not expired. An expired Credit will not be restored upon cancellation of the purchase by the customer. The account must be open and in good standing to receive or use the Credit.  

In addition to the travel Credit, eligible VentureOne primary account holders can earn 20,000 bonus miles, equivalent to $200 for travel purchases, if they spend $500 on purchases within the first 3 months from account opening. Eligible Savor and Quicksilver primary account holders can earn a $200 cash bonus once they spend $500 on purchases within the first 3 months from account opening.

The availability of any specific gift card is not guaranteed. Rewards redemption rates vary and are subject to change.

Amazon.com and the smile logo are trademarks of Amazon.com Inc., or its affiliates.

PayPal Pay with Rewards is available to eligible Venture, VentureOne, Venture X, Quicksilver, QuicksilverOne, Savor, SavorOne, Venture X Business, Spark Miles, Spark Miles Select, Spark Cash Plus, Spark cash, Spark Cash Select, Spark Classic, Journey and Journey Student account holders with accounts open and in good standing. Visit www.paypal.com/capitalone for additional details. PayPal.com and the PayPal logo are trademarks of PayPal Holdings Inc. or its affiliates. PayPal terms and conditions apply.

Capital One Travel bookings include services such as cancel your flight for any reason, price prediction, price watch, price drop protection, and price match guarantee. Additional fees may apply. The availability of these services varies by account, and they may not be available on all bookings. Terms apply. See travel.capitalone.com/terms-of-service/ for details.

15% savings represents the average savings based on price prediction and booking recommendation for flights. Savings may vary. Terms apply.

Eligible Quicksilver, QuicksilverOne, Quicksilver Secured, Quicksilver Student, Journey, Capital One Cash, Spark Cash Select, Spark Classic, Spark Cash, Spark Pro, Spark Cash Plus and Spark Business cardholders will earn 5% cash back on Capital One Entertainment purchases. Eligible Venture X, Venture, VentureOne, Capital One Miles, Venture X Business, Spark Miles, Spark Miles Select and Spark Classic Miles cardholders will earn 5 miles per dollar spent on Capital One Entertainment purchases.

Qualifying purchases include tickets purchased on the Capital One Entertainment ticketing platform only, paid for with an eligible card. Tickets purchased through Capital One cardholder exclusive pre-sales; tickets purchased directly through the Capital One Hall or Capital One Arena ticketing services; and dining reservations or purchases through Capital One Dining are excluded. Your account must be open and in good standing to earn rewards and rewards earned will post to your account within 1-2 billing cycles. Rewards earned will be reclaimed if you cancel or return an eligible purchase, and the offer is valid for consumer, non-commercial use only. Rewards are subject to the terms and conditions disclosed when you opened your account and any subsequent amendments.

Claims of unauthorized use or for $0 Fraud Liability are subject to verification and investigation.

Permissions to lock and unlock a Capital One credit card can vary by card product. Typically, only primary cardholders or account managers can lock and unlock a card.

With Card Lock, some activity may continue, including returns, credits, payments, interest, dispute adjustments, other account fees, purchase transactions during system downtime and certain other exempted transactions. Review your statements to ensure that all transactions are authorized.

Eno is learning all the time and may not catch everything. Eno may not catch all eligible charitable transactions and is not a tax advisor. Potential charitable donations identified by Eno may or may not qualify with the IRS. Eno service outages may occur. Capital One customers are responsible for regularly checking their account statements. Web access is needed to use mobile banking. Check with your service provider for details on specific fees and charges. Texting with Eno means you agree to chat about your account over SMS and receive recurring messages. Message and data rates may apply. Mobile phone carrier fees for text messages may apply.

Some or all Eno features may not be available to all Capital One customers, depending on the types of accounts held. For example, certain bank accounts are not eligible to text with Eno, and Eno email notifications, app notifications and virtual card numbers from Eno may not be available for certain credit cards.

The Eno browser extension for virtual card numbers is only available in certain web browsers, and enrollment is required. Virtual card numbers are not available for debit cards and some credit cards.

Web access is needed to use the mobile app. Check with your service provider for details on specific fees and charges.

Some customers will not be eligible to access a virtual card. If you are eligible, you must verify your identity before accessing your virtual card. In some cases, you will not be able to access your virtual card until approximately 30 days after account opening, and you may not have access to your full credit line until your physical card is activated. Web access is needed to manage your virtual card number online or in the Mobile app. Virtual cards may not be accepted by all stores. Virtual cards are not available for debit cards and some credit cards.

We hope you found this helpful. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Capital One product or service is available or right for you. For specific advice about your unique circumstances, consider talking with a qualified professional.

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Capital One does not provide, endorse or guarantee any third-party product, service, information, or recommendation listed above. The third parties listed are solely responsible for their products and services, and all trademarks listed are the property of their respective owners.

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The credit score provided in CreditWise is a FICO® Score 8 based on TransUnion data. The FICO Score 8 gives you a good sense of your credit health but it may not be the same score model used by your lender or creditor. The availability of the CreditWise tool and certain features in the tool depends on our ability to obtain your credit history from TransUnion and whether you have sufficient credit history to generate a FICO Score 8. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies. You do not need to be a Capital One account holder to sign up for CreditWise.