Apple Card vs Capital One Quicksilver Cash Rewards Credit Card
Both cards cost $0/yr. The Apple Card leads on everyday spending; the Capital One Quicksilver Cash Rewards Credit Card on travel.
Card data as of October 12, 2026.
Apple CardGoldman Sachs · No annual fee
Capital One Quicksilver Cash Rewards Credit CardCapital One · No annual fee
Overview
- Annual fee
- Apple Card$0Capital One Quicksilver Cash Rewards Credit Card$0
- Welcome offerCurrent public offer
- Apple Card—Capital One Quicksilver Cash Rewards Credit Card$200 cash back
- Rewards
- Apple CardCash backCapital One Quicksilver Cash Rewards Credit CardCash back
- Foreign transaction fee
- Apple CardNoneCapital One Quicksilver Cash Rewards Credit CardNone
- Network
- Apple CardMastercardCapital One Quicksilver Cash Rewards Credit CardMastercard World Elite
Earn ratesPer $1 spent
- Everything else
- Apple Card1%Capital One Quicksilver Cash Rewards Credit Card1.5%Highest
Statement creditsAs the issuer states them · — means none on record
- Travel
- Apple Card
- Extra 2% Booking.com Travel Credits · $2 per transaction
Capital One Quicksilver Cash Rewards Credit Card— - Rideshare & transit
- Apple Card
- $60 Uber One trial · $60 one-time
Capital One Quicksilver Cash Rewards Credit Card—
Perks & access— means none on record
- Car rental
- Apple Card
- 5%+ off Hertz rentals + perks
Capital One Quicksilver Cash Rewards Credit Card— - Other perks
- Apple Card
- Share card with family and teens
- Interest-free payments on Apple gear
- Color-coded spending insights
Capital One Quicksilver Cash Rewards Credit Card- No Foreign Transaction Fees
- 24/7 Travel Assistance Services Worldwide
- Capital One Dining
- Complimentary Concierge Service
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Apple Card—Capital One Quicksilver Cash Rewards Credit Card
- Travel Accident Insurance Up to $1,000,000
- Purchase & returns
- Apple Card
- Zero Liability on unauthorized transactions
- No fees on international purchases
- Biometric security on every purchase
Capital One Quicksilver Cash Rewards Credit Card— - Extended warranty
- Apple Card—Capital One Quicksilver Cash Rewards Credit Card
- Extended Warranty Doubles Coverage, Up to 24 Months
- Other protections
- Apple Card
- No late fees or penalty APR
- 24/7 lost/stolen card assistance worldwide
Capital One Quicksilver Cash Rewards Credit Card- Free Credit Monitoring with CreditWise
Pros & cons
- Pros
- Apple Card
- No annual fee, no late fees, and no penalty APR
- Daily Cash deposited immediately rather than monthly
- 3% back at Apple and select merchants (Uber, Walgreens, Nike, etc.)
- 2% back on all Apple Pay purchases
- No foreign transaction fees
Capital One Quicksilver Cash Rewards Credit Card- No annual fee keeps costs at zero
- Unlimited 1.5% cash back on all purchases with no caps or rotating categories
- No foreign transaction fees saves 3% on international purchases
- 5% back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Low $500 spend requirement for welcome bonus is easy to meet
- Cons
- Apple Card
- Only 1% back when using physical card (non-Apple Pay)
- Requires iPhone to apply and manage the card
- No sign-up bonus
- No travel-related benefits or protections
- Limited 3% merchant list compared to category cards
Capital One Quicksilver Cash Rewards Credit Card- 1.5% flat rate is lower than category-specific cards offer in their bonus categories
- No transfer partners for airline or hotel loyalty programs
- Lacks premium travel protections like trip delay or primary rental car insurance
- Welcome bonus amount is modest compared to premium travel cards
- No bonus categories for everyday spending like dining or groceries
Category-by-Category Winner
The Capital One Quicksilver Cash Rewards Credit Card wins in 2 of 2 categories. The Apple Card leads in 0.
Travel
Capital One Quicksilver Cash Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Everyday purchases
Capital One Quicksilver Cash Rewards Credit Card earns 1.5X on all other spending vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Capital One Quicksilver Cash Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Apple Card | Capital One Quicksilver Cash Rewards Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $35 − Annual fee ($0) Ongoing: $155 Year one: $185 | Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $180 Year one: $380 | Capital One Quicksilver Cash Rewards Credit Card | Capital One Quicksilver Cash Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $35 − Annual fee ($0) Ongoing: $515 Year one: $545 | Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $920 | Capital One Quicksilver Cash Rewards Credit Card | Capital One Quicksilver Cash Rewards Credit Card |
Which Card Is Right for You?
Get the Capital One Quicksilver Cash Rewards Credit Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Both scenarios favor the Capital One Quicksilver Cash Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 1.5X on the Capital One Quicksilver Cash Rewards Credit Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Apple Card or Capital One Quicksilver Cash Rewards Credit Card?
- The Capital One Quicksilver Cash Rewards Credit Card has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.
- What benefits does the Apple Card have that the Capital One Quicksilver Cash Rewards Credit Card doesn't?
- The Apple Card offers travel credits. The Capital One Quicksilver Cash Rewards Credit Card focuses more on earn rates than premium perks.
- Should I get the Apple Card or the Capital One Quicksilver Cash Rewards Credit Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.