Unlimited 1.5% Cash Back on every purchase, every day. Plus, get access to valuable benefits.
QuicksilverOne® from Capital One®
Credit Level Guidelines
I have not declared bankruptcy or defaulted on a loan in the past 5 years. I have a credit card or loan and have not been more than 30 days late on any payment in the last year.
I’ve defaulted on a loan in the past 5 years OR I have limited credit history. I’ve had my own credit card or other credit for less than 3 years (including students, people new to the U.S., or authorized users on someone else’s credit card).
I’ve defaulted on a loan more than once. OR I’ve been declined for a credit card in the last 3 months.
Earn unlimited 1.5% cash back on every purchase, every day
Annual Fee $39
Purchase Rate 26.99% variable APR
Access a Higher Credit Line
Get access to a higher credit line with Credit Steps after making your first 5 monthly payments on time
Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One®. It’s free and available to anyone, whether or not you have a Capital One product.
You’re covered by $0 Fraud Liability if your card is ever lost or stolen. That means you will not be responsible for fraudulent purchases.
Redeem Your Way
Rewards don’t expire for the life of the account, and you can redeem cash back for any amount.
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Set up personalized email or text reminders to help you stay on top of your account.
Set up Autopay for your account and your payments will be made automatically every month.
Add an authorized user to your account, and track spending by user.
24/7 Customer Service
Helpful customer service representatives are available to assist you 24 hours a day.
Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account.
$0 Fraud Liability
If your card is lost or stolen, you will not be responsible for unauthorized charges.
Virtual Card Numbers from Eno®
Pay for online purchases with virtual card numbers and keep your actual card number to yourself.
Lock your card in the Capital One Mobile app if it’s misplaced, lost, or stolen.
Account Alerts from Eno®
Receive an alert if Capital One detects a potential mistake or unexpected charge like a potential duplicate purchase or a sudden recurring bill increase.
Get alerts when your TransUnion® or Experian® credit report changes.
Apps & Digital Services
Capital One Mobile App
Manage your account anywhere, anytime. Pay your bill, view your balance and transactions—even stay on top of your credit for free with CreditWise®.
Eno®, your Capital One assistant
Wherever you are, Eno keeps an eye on your accounts 24/7, sends alerts when something’s up, and is always ready to answer questions—so you can keep moving.
CreditWise® from Capital One
Monitor your credit with CreditWise. It’s free for everyone—whether or not you have a Capital One credit card—and it won’t hurt your score.
Travel & Retail
No Foreign Transaction Fees
You won’t pay a transaction fee when making a purchase outside of the United States.
Travel Accident Insurance
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
24-Hour Travel Assistance Services
If your credit card is lost or stolen, you can get an emergency replacement card and a cash advance.
You’ll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
Auto Rental Collision Damage Waiver
Rent an eligible vehicle with your credit card and you can be covered for damage due to collision or theft.