Capital One Quicksilver One Card Calculator

Review the benefits of the Quicksilver One, calculate how much cash back you can earn based on your spend, and compare the results to top rewards cards.
Updated 2020-07-09 By Robert Flowers III

The Capital One Quicksilver One Card is an exact replica of the Capital One Quicksilver Card with one exception... it has an annual fee. The Quicksilver One Card is considered a starter card. This card is for those who have bad/no credit and looking to get started in the credit card world. The good think about the Quicksilver One Card is that you can product change (commonly referred to as 'PC') to the no-fee Quicksilver Card after some time. This is usually done by contacting Capital One and asking to do such. You may be successful the first time when trying to PC or it may take a few times. It all depends. If you have fair credit, I would avoid this card and go straight for the Quicksilver. And if for some reason you can't get the Quicksilver, there are plenty of 1.5% cash back credit cards as well as several cards that earn 2% cash back or higher that has no annual fee.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The Capital One Quicksilver One Card does not have any bonus categories. The card earns an unlimited 1.5% cash back per $1 spent on all purchases ran across the card.

  • 1.5% All Purchases

Perks & Benefits

The Capital One Quicksilver One Card has one specific card perk which is Capital One Credit Steps. Outside of that, you'll receive the standard Capital One benefits. As your credit limit increases, you card can also become a World Elite Mastercard or Visa Signature Card which will grant additional benefits.

  • Capital One Credit Steps
  • Capital One Benefits
    • Virtual Card Number
    • Card Lock
    • Paribus from Capital One
    • CreditWise from Capital One
  • World Elite Mastercard or Visa Signature Benefits
    • Only applies if your credit limit raises high enough for it to be converted to a World Elite Mastercard or Visa Signature Card.


Annual Fee

The Capital One Quicksilver One Card has a $39 fee. While this is a small fee, it will drag the value of the card down heavily as you'll need to spend a whopping $2,600 to cover that fee alone. You'll want to try to product change this card to the no-annual fee Capital One Quicksilver Card as soon as possible. If you're repeatedly unsuccessful in product changing this card then I recommend finding another 1.5% cash back credit card that has no annual fee.

Authorized User Fee

There is no fee associated with adding additional card holders to the Capital One Quicksilver One Card. If you're looking to earn more cash back, you can add additional users to help build your balance and make up for the annual fee.

Foreign Transaction Fee

As with all Capital One credit cards, the Quicksilver One Card does not have a foreign transaction fee. This means you can use the card for international spend and travel without worrying about being charged a fee per $1 spent outside the United States.

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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