1.5% cash back on every purchase · Built for fair credit · Automatic credit line reviews The straightforward cash back card for people rebuilding or starting fresh.
You’ll be redirected to Capital One’s official website.
Most flat-rate cash back cards are reserved for people with good to excellent credit — a segment that already has plenty of options. QuicksilverOne targets a different, often overlooked group: people with fair or average credit who still want a straightforward cash back card instead of a stripped-down, rewards-free option. Unlimited 1.5% cash back on every purchase, with no categories to track and no annual spending caps, means the card behaves the same whether you’re paying for groceries, a utility bill, or car repairs.
Approval standards here are more forgiving than premium cash back cards, making it a realistic option for people rebuilding credit after a rough stretch, or those with a limited credit file who are past the very earliest, no-credit-check stage (like a secured card) and ready for an unsecured option. It’s a natural next step after a card like Discover it® Secured or a graduated Chime Card, once you’ve built a bit of a track record.
One of the most useful built-in features is the automatic credit line review: after your first five monthly payments made on time, Capital One automatically considers you for a higher credit line, without requiring a phone call or a new application. That’s a meaningful advantage for anyone actively trying to lower their credit utilization ratio, which is one of the largest single factors in most credit scoring models — a higher limit with the same spending habits directly improves that ratio.
Does QuicksilverOne charge an annual fee?
Yes, QuicksilverOne does carry an annual fee, unlike some no-fee cards. The trade-off is easier approval for fair credit and a straightforward unlimited cash back structure.
What credit score do I need to qualify?
QuicksilverOne is designed for applicants with fair or average credit, generally a more accessible bar than premium cash back cards that require good to excellent credit.
How does the automatic credit line increase work?
After making your first five monthly payments on time, Capital One automatically reviews your account for a higher credit line — you don’t need to request it or reapply.
Can I use this card if I receive Social Security or SSDI?
Yes, Social Security, SSI, and SSDI benefits can be included as income on your application, just like any other income source, when Capital One evaluates your application.
Does the card charge foreign transaction fees?
No, QuicksilverOne does not charge foreign transaction fees, so you can use it internationally without an added cost on each purchase.
The application is entirely online and typically takes just a few minutes. Head to Capital One’s official site, select QuicksilverOne, and fill in your personal details, income (including Social Security or any other regular income), and address. Capital One will run a credit check as part of the standard approval process, so it helps to know where your credit stands beforehand using a free service like CreditWise.
Approval decisions are often available within minutes, though some applications may require additional review. If approved, your card typically arrives within 7 to 10 business days, and in many cases you can start using a virtual card number for online purchases right away.
Once active, make it a habit to pay the full statement balance every month if you can, keep your utilization low, and pay on time without exception — that consistent behavior is what drives Capital One’s automatic credit line review after your first five payments. Combine that with the unlimited 1.5% cash back on every purchase, and this card can quietly work in your favor: growing your credit line, building your history, and putting a little money back in your pocket the entire time.
You’ll be redirected to Capital One’s official website.