RateHerald

Our illustration in the card’s colours, not its design

Capital One credit card

QuicksilverOne Rewards

  • APR up · 28.99%29.24% · Oct 8, 2026

$39 a year. Purchase APR 29.24%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Annual fee
Purchase APR · variable
Foreign transactions
Credit asked
Fair

Select an underlined figure to see where it comes from.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$140$140
Typical spender$410$410
Heavy spender$950$950
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

$140a year

The same in the first year and after.

Rewards and credits$180

You keep $140−$40 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500.

$410a year

The same in the first year and after.

Rewards and credits$450

You keep $410−$40 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.

$950a year

The same in the first year and after.

Rewards and credits$990

You keep $950−$40 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 80% of the 732 cards we track.

Other cash back cards with fees up to $100

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Rewards

How you earn

1.5%
Everything else

Cash back, as a share of each purchase.

Benefits

  • Anniversary bonus: 10,000 bonus miles after your anniversary each year, starting with your first anniversary; applied to your rewards balance once qualified.
  • Other

Changes

28.99%29.24% since Oct 8Oct 8Today
  • Oct 8, 2026 APR 28.99%29.24%

Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Foreign transactions

Before you apply

  1. Credit the issuer asks for: Fair (issuer’s page).
  2. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  3. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
$39 · capitalone.com, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. · Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
What is the purchase APR?
29.24% APR · capitalone.com, since Oct 8, 2026
What credit do you need?
Fair · capitalone.com, since Oct 4, 2026
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