Quicksilver vs. QuicksilverOne: Card comparison

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.

What you’ll learn:

• Quicksilver and QuicksilverOne cardholders earn unlimited 1.5% on every purchase, every day.

• Cardholders can also earn elevated cash back through Capital One Travel and Capital One Entertainment.

• Quicksilver is for people with excellent credit. QuicksilverOne is ideal for credit builders or those with fair credit.

• Quicksilver and QuicksilverOne have different fees, rates and bonus structures.

Quicksilver and QuicksilverOne cardholders can each earn unlimited rewards with flexible redemption options. And they also have access to Capital One’s full complement of card benefits, including security and account management features.

Here’s an overview of the key features for the Quicksilver and QuicksilverOne cards.

One key difference is that the Quicksilver card requires excellent credit. The QuicksilverOne card is for people with fair credit. 

Quicksilver offers a few additional benefits, including:

• $0 annual fee View important rates and disclosures.

• Bonus offer for new cardholders

Quicksilver and QuicksilverOne cardholders have access to these cardholder benefits:

There’s no limit on how much cardholders can earn, and rewards don’t expire for the life of your account. As a cardholder, you could:

• Earn unlimited 1.5% cash back on every purchase, every day. 

• Earn unlimited 5% cash back on hotels, vacation rentals, rental cars and activities through Capital One Travel.

• Earn unlimited 5% cash back through Capital One Entertainment.

You can maximize your rewards with flexible redemption options that fit your 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 a wide variety of merchants, including retail stores, food delivery services, gas stations and restaurants.

• Shopping with online retailers: Capital One lets you use rewards to shop at Amazon.com and to check out with PayPal Pay with Rewards.

Travel benefits for both cards include:

• No foreign transaction fees: 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, you can take advantage of:

• 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.

With Capital One Entertainment, you can get exclusive tickets to live music, sports, theater performances, special dining events and more. You can also redeem rewards for tickets.

The Quicksilver and QuicksilverOne cards can help you keep your money safe with security 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: You can make purchases online without providing your actual card number or having your physical card on hand.

• Card lock: You can easily lock your card from being used if it’s ever lost, misplaced or stolen. When you’re ready, you can unlock it just as easily.

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 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 allows you to access your credit report and credit score for free. And you don’t have to be a Capital One customer. 

• 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.

Yes, if you start with QuicksilverOne, you may have the opportunity to upgrade your card to Quicksilver. You can check for offers by signing in to your account online or through the Capital One Mobile app.

The Quicksilver and QuicksilverOne cards offer 1.5% cash back and elevated rewards through Capital One Travel and Capital One Entertainment. But they have some key differences when it comes to fees and bonuses.

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’ll be approved for card offers in as little as 90 seconds without harming your credit scores. 

• Explore travel rewards cards with unlimited miles you can actually use. 

• Earn unlimited 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.