Capital One Quicksilver vs. QuicksilverOne Cash Back Credit Cards

Annual Fee
- Quicksilver: $0
- QuicksilverOne: $39

Welcome Bonus
- Quicksilver: $200 cash bonus after spending $500 in the first three months
- QuicksilverOne: No welcome offer

Introductory APR
- Quicksilver: 0% APR on both purchases and balance transfers for 15 months
- QuicksilverOne: None

Rewards Rate
- Both cards offer an unlimited 1.5% cash back on all purchases.

Other Benefits
- Quicksilver:
- No foreign transaction fees
- Extended warranty protection
- Travel accident insurance
- Access to Capital One concierge
- QuicksilverOne:
- Potential for credit limit increase after six months

Credit Score
- Quicksilver: Good to excellent credit required (FICO score of 670 or higher)
- QuicksilverOne: Fair to good credit required (FICO score of at least 580)

Should You Get the Capital One Quicksilver Card?
Consider the Quicksilver card if you:
- Want a simple way to earn cash back on everyday purchases.
- Have good or excellent credit.
- Don't have a balance and won't carry one to avoid paying interest.

Should You Get the Capital One QuicksilverOne Card?
Consider the QuicksilverOne card if you:
- Want to build your credit score.
- Have fair to good credit.
- Can afford the $39 annual fee.

Conclusion

Both the Capital One Quicksilver and QuicksilverOne cards offer an easy way to earn cash back, but their differences in fees and eligibility requirements make them suitable for different consumers. The Quicksilver card is a better choice for those with good credit who want a card with no annual fee and a welcome bonus. The QuicksilverOne card is better for those who are building credit or have less-than-perfect credit and are willing to pay an annual fee.