Which One Should I Get? The Capital One Quicksilver Cards Comparison

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Capital One Quicksilver vs Capital One QuicksilverOne

Yep, Capital One has plenty of excellent credit cards in its portfolio, from the awesome Venture travel rewards card to the delectable new Savor dining rewards card. So, where does the Quicksilver series come in and what’s the difference between the two versions?

Well, the Capital One Quicksilver cards are the perfect, easy, no hassle cash rewards credit cards. With a flat rate earn structure, racking up points is as easy as swiping your card wherever you go. As far as the differences between the two, well that’s really up to your credit score. Let’s take a deep dive into these two top quality Capital One cards to see which one is right for you.

It’s a pretty close call with these two cards. To make matters even more complicated, both Capital One Quicksilver cards get all of the great Capital One benefits like convenient autopay, a sleek and sexy mobile app, auto rental collision damage waiver, travel accident insurance, and extended warranty on purchases. So, what’s the difference after all? Here we go!

Capital One Quicksilver Card

What I love…

  • 1.5% cashback on every purchase, unlimited
  • No annual fee
  • 0% APR on new purchases and on balance transfers for 15 months
  • $150 cash signup bonus after spending $500 in three months
  • Security and account alerts
  • $0 liability insurance

What I don’t…

  • Requires excellent credit

Who it’s best for…

  • People with great credit who are looking to get an easy, category-free rewards card
  • Anyone who wants to transfer a balance or make a new purchase without interest

The Capital One Quicksilver card is one of the best cash rewards cards because it’s just so simple. You can earn a flat rate 1.5% cashback without doing ANYTHING. You just use your card to make basic purchases that you make every day, and you’ll earn the 1.5% cashback. No figuring out or keeping track of categories. No organizing your wallet every time you go out to shop. Just a simple flat rate rewards structure and you know how much I love the flat rate.

On top of the great rewards you earn, the Capital One Quicksilver card gives you a cool $150 signup bonus, and all you have to do is spend $500 in the first three months. That’s less than $200 a month, and it’s considerably lower than most signup bonus spend requirements out there. Good show, Capital One!

The Capital One Quicksilver card also has some excellent security features, the importance of which I always stress to my readers. Identity theft and fraud are increasing constantly, and you DO NOT want to be on the losing end of that tug of war. So, credit card security is a major deal-changer, and the Capital One Quicksilver card has security alerts sent straight to your phone or to your email along with $0 liability insurance in case of fraud.

One final goodie that you get when you sign up is a 0% APR introductory offer. This means you’ll pay no interest for 15 months whatsoever. The offer extends to both balance transfers and new purchases you put on the Capital One Quicksilver card (balance transfers do come with a 3% balance transfer fee though, so don’t forget to factor that into the equation). Oh, and you get all of that for absolutely no annual fee, ever. That’s an amazing deal!

QuicksilverOne Card

What I love…

  • Approves average credit
  • 1.5% cashback on every purchase, unlimited
  • $39 annual fee
  • Access to higher credit line after first five on-time monthly payments
  • Friendly and super helpful customer support available 24/7
  • Free credit monitoring
  • No foreign transaction fee

What I don’t…

  • No signup bonus

Who it’s best for…

  • Anyone who wants a great cash rewards program and doesn’t have the best credit score

The Capital One QuicksilverOne card has almost the same stats as the regular Quicksilver card, but it charges a $39 annual fee and doesn’t award you with a signup bonus. What gives, Capital One? Well, the reason you get charged an annual fee and don’t earn any fancy signup bonus is because the Capital One QuicksilverOne card caters to consumers with a less than perfect credit score. You see, if you have excellent credit, the world is your oyster. Credit card companies practically throw themselves at you to compete for your dollars. Why? Because your credit history reflects that you are a worthwhile investment for them.

Those of us with less than perfect credit though, don’t have that same experience. Instead, you might have been frustrated more than a few times by rejections from credit card companies that don’t want to take the risk on someone with average or no credit history. If this sob story sounds familiar, you are in luck. The Capital One QuicksilverOne card is calling out to you! This Capital One card is known for accepting applicants even when they have only average credit. Hooray!

What’s even nicer about the Capital One QuicksilverOne card is that you get a great cashback rewards program in the bundle. Most average-credit credit cards don’t offer any cashback programs, so this is a really generous move on Capital One’s part. And, besides, if you spend more than $2,600 annually on your card, you’ll already have covered the annual fee with the cashback points you earn. That only takes a drop over $200 a month to break even (and who doesn’t put more than $200 on their credit cards these days?!) Once you cancel out the annual fee, both cards are pretty much the same.

So, you get a higher approval rating and a great rewards program. Does the Capital One QuicksilverOne card offer anything else? You bet it does! In addition to all the other great Capital One benefits I mentioned already, QuicksilverOne cardholders also get:

  • Excellent customer service

This benefit is worth its weight in gold in my book because when you have a problem, you want help and you want it now! Capital One QuicksilverOne card gives you access to great customer support reps, and what's more, they're available 24/7, so you're never left stranded.

  • Access to higher line of credit

This is an important one for those aspiring to bigger and better things. If you’ve been rejected for a more premium credit card and still have your heart set on it, then this is a good opportunity for you. Capital One will re-evaluate your account after just 5 on-time payments to see if you can get upgraded to a more lucrative card. The best part is that you will not have to get a hard credit pull in order to apply and be approved for this higher line of credit.

  • Free credit monitoring

Another excellent perk for people with less than excellent credit (and really everyone for that matter) is free credit monitoring. Capital One will monitor your credit report, inform you of issues with your credit, and help you build up your credit score so that you can have more success for the future.

Which Quicksilver Card Has Your Name on It?

As you can see, both Capital One Quicksilver cards have great cashback rewards, 24/7 customer service, no foreign transaction fees, and important fraud liability protection. The Capital One Quicksilver card is a great way to rack up points, earn a nice signup bonus, and cash in on a stupendous 0% APR offer for balance transfers and new purchases alike. The Capital One QuicksilverOne card is also a phenomenal cashback rewards option, and if you don’t have excellent credit, it’s a top rate way to build up your credit and earn some cash while you’re doing it. Capital One takes care of its own, so whichever way you go, you’re in good hands with this credit card issuer.

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