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The Capital One QuicksilverOne Cash Rewards Credit Card offers simple, unlimited 1.5% cash-back rewards rates. While you’ll get better earnings with other cash-back cards, the QuicksilverOne is a solid option for those with limited credit history. Card rating*: ⭐⭐⭐½

*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

With an annual fee of $39 (see rates and fees), the Capital One QuicksilverOne Cash Rewards Credit Card is designed for those looking to build up their credit score while still earning a modicum of cash-back rewards.

The QuicksilverOne boasts a simple earning structure of 1.5% back on all purchases, making it a solid choice despite its limited benefits. It has a recommended credit score of 670 or above.

Let’s dive into the card details.

Unfortunately, the QuicksilverOne offers no traditional sign-up bonus.

That’s not unusual on a card for those with a limited credit history, but there are a few options out there that can get you some easy rewards.

Related: 13 cards currently offering sign-up bonuses of 100,000 points or more

The best benefit of the QuicksilverOne is the ability to earn up to six months of complimentary Uber One membership statement credits through Nov. 14.

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Aside from that, though, you’ll get just a few standard perks on limited credit history cards, like $0 fraud liability, the ability to monitor your credit score with CreditWise and the option to be automatically considered for a higher credit line in as little as six months.

You can likely find better limited-history options unless you’re partial to the complimentary Uber One membership.

Earning cash back on the QuicksilverOne

The QuicksilverOne earns a simple 1.5% cash back on all purchases.

This is a decent return if you don’t have a particularly high spending category. However, if you regularly spend lots of money in a particular category, like dining, you’ll likely want to find a card that earns more in that category.

Related: The best credit cards for each bonus category

You can redeem your QuicksilverOne rewards online as a statement credit, check or gift card with no minimum redemption amount.

While you won’t score any sweet spot redemptions with this card, you also won’t have to spend time deciding among abundant redemption options. Cash-back rewards are excellent for those who prefer simplicity.

TPG credit card writer Emily Thompson appreciates the versatility of cash-back rewards and likes to use her cash back to cover things that points and miles don’t, like airport food and gifts.

Related: Why you should keep a cash-back credit card in your wallet

For additional options, check out our full list of the best cash-back cards.

Related: How to choose a cash-back credit card

The QuicksilverOne is a decent option for those with a limited credit history who want to earn cash back. But if you have a higher credit score or don’t want to pay an annual fee while rebuilding your credit score, you’ll do much better with a different card.

The QuicksilverOne offers a decent cash-back earning rate, but the lack of a welcome offer and the $39 annual fee are significant drawbacks. No matter your credit score, there are options out there that offer comparable earnings and more perks, all without an annual fee.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Apply here: QuicksilverOne Cash Rewards