The QuicksilverOne card is a solid cashback rewards card that beats out the Credit One competition
Let's make this easy: The QuicksilverOne card is a solid choice for anyone with low to fair credit looking for a cashback rewards card. Not only does it beat the Credit One Cash Back Rewards Visa, this card can stand tall among many cashback cards. There are no limitations on the purchases you can earn cash back on and the amount of spending you can earn cash back on is unlimited too.
Why QuicksilverOne Is Better
The QuicksilverOne card is stronger than Credit One card because of its simplicity
Unlike the Credit One, the QuicksilverOne card is easy to use. You don't need to read the fine print to understand how the Capital One QuicksilverOne cashback rewards program works. You can qualify if you have an average credit score—that's pretty much it.
The Credit One card is a very confusing credit card. There are more than 25 different versions of the credit card agreement and all of them have different monthly fees and APRs. It all depends on what card you are offered.
People love the QuicksilverOne card because you can earn pretty good cash back on everything with no limits
It's not complicated. You use the card and you get cash back on what you spent. You can choose to receive the cash back as a credit on your statement, as a gift card, or as a check. The biggest customer complaint about the QuicksilverOne card is the annual fee.
Having average credit comes at a cost. The QuicksilverOne card is for people with average credit (for example, folks with "fair" FICO credit scores between 580 and 669). Since there aren't a lot of options for people who don't have strong credit, they pay an annual fee for the privilege of getting approved for this card. If you don't have good enough credit, you'll get denied for the Capital One Quicksilver Cash Rewards card. But then you'll realize you can still get pretty much the same card with the QuicksilverOne card. You just have to pay the annual fee.
If you have average credit and are willing to pay an annual fee for the chance to earn cashback, go for the QuicksilverOne card. But if you can qualify for the Quicksilver card, you can avoid the annual fee.