Capital One Quicksilver vs. QuicksilverOne: The best option depends on your credit score

Overview - The article compares the Capital One Quicksilver Cash Rewards Credit Card and the Capital One QuicksilverOne Cash Rewards Credit Card, highlighting their differences in fees, rates, benefits, and eligibility requirements [1]. Annual Fee - The Capital One Quicksilver card has no annual fee, while the QuicksilverOne card charges an annual fee of $39 [2]. Introductory APR - The Quicksilver card offers a promotional 0% APR for 15 months on new purchases and balance transfers, after which a variable APR of 18.99% to 28.99% applies. The QuicksilverOne card does not offer an introductory APR and has a higher ongoing variable APR [3][4]. Welcome Bonus - New cardholders of the Quicksilver card can earn a $200 cash bonus after spending $500 within the first three months, along with a $100 travel credit. The QuicksilverOne card does not offer a welcome bonus [5]. Rewards - Both cards provide unlimited 1.5% cash back on all purchases, making them straightforward options for everyday spending [6][7]. Other Benefits - The Quicksilver card includes additional benefits such as extended warranty protection, travel accident insurance, and access to Capital One concierge services. The QuicksilverOne card focuses on credit-building and offers a potential credit limit increase after six months of responsible use [8][9]. Credit Score Requirements - The Quicksilver card requires good to excellent credit (FICO score of 670 or higher), while the QuicksilverOne card is accessible to those with fair to good credit (FICO score of at least 580) [11][12]. Conclusion - The Quicksilver card is recommended for those who prefer a straightforward rewards structure without an annual fee, while the QuicksilverOne card is suitable for individuals looking to build credit despite its annual fee and lack of introductory offers [13][21].