QuicksilverOne Rewards
This card is for people with fair credit who want to earn while they build. Every purchase earns 1.5% cash back with no categories, and Capital One automatically considers you for a higher credit line in as little as 6 months. There is no foreign transaction fee. The caveat: the $39 annual fee eats the rewards on your first $2,600 of spending each year, and the 28.99% Variable APR makes carrying a balance expensive.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Automatic credit line reviews in as little as 6 months
- CreditWise from Capital One free credit monitoring
- $0 Fraud Liability for lost or stolen cards
- Redeem cash back as a statement credit, a check, or gift cards
- Annual fee: $39
- Regular purchase APR: 28.99% Variable
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on September 30, 2026 and may change.
- Your credit is fair and you want a card that still earns rewards.
- You want a path to a higher credit line through automatic reviews.
- You spend enough to earn back the fee: $2,600 a year at 1.5% covers the $39.
- You should skip it if you carry a balance: a 28.99% Variable APR outweighs 1.5% cash back.
Score guess
Guess your credit score
Drag the dial to your best guess. Then see which cards people around that score got approved for.
A guess, not a credit check: nothing here touches your credit. Score ranges from FICO.
Your guess: 700
Approved at 670 to 739
Approval results for this card
57 results: 54 approved, 3 denied. Approval rate 93% of decided applications.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 580 to 669 | Experian | $50k to $75k | NY | May 2026 |
| Approved | 800 and above | Not sure | - | - | Feb 2025 |
| Approved | 670 to 739 | Not sure | - | - | Sep 2024 |
See all 57 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.
