Capital One · Cash back · Visa/Mastercard
Capital One QuicksilverOne: what it's really worth
The Capital One QuicksilverOne has a $39 annual fee. For a typical household spending $2,070 a month, it's worth about $334 in year one and $334 each year after.
Annual fee$39
Sign-up bonusNone
Net value · year 1$334
Net value · each year after$334
Is the annual fee worth it?
Probably not worth the fee after year one for typical spending: the no-fee Hilton Honors Card would net about $172 a year more. It can still make sense if you spend more in its bonus categories or use more of its credits.
How you earn
| Category | Rate | Value per $1 | Per year* |
|---|---|---|---|
| Dining | 1.5% | 1.5¢ | $54 |
| Groceries | 1.5% | 1.5¢ | $90 |
| Hotels | 1.5% | 1.5¢ | $14 |
| Flights | 1.5% | 1.5¢ | $18 |
| Gas | 1.5% | 1.5¢ | $27 |
| Streaming | 1.5% | 1.5¢ | $7 |
| Everything else | 1.5% | 1.5¢ | $162 |
*At typical monthly spending: dining $300, groceries $500, hotels $80, flights $100, gas $150, streaming $40, everything else $900.
Credits and perks
- Automatic credit-limit reviews
- Foreign transaction fee: none
Who it's for
- Fair credit — 1.5% back on everything
- No foreign transaction fees
- Not ideal: Good credit — the no-fee Quicksilver earns the same
Can I get it?
- Recommended credit: Fair / building
- Capital One rules: Generally approves about one new Capital One card every 6 months. Bonuses may be limited if you've had the card in the last 48 months.
- Visa/Mastercard: Capital One issues this card on either Visa or Mastercard — check the logo on yours. Both are accepted almost everywhere, but Costco warehouses take only Visa.
Check the current offer at Capital One
Similar cards
Chase Freedom Unlimited$627 year 1 · $0 feeWells Fargo Active Cash$697 year 1 · $0 feeCiti Double Cash$697 year 1 · $0 feeCapital One Savor Cash Rewards$650 year 1 · $0 fee
Updated Oct 30, 2026.