Capital One Quicksilver Cash Rewards Credit Card vs Capital One Savor Cash Rewards Credit Card
Both cards cost $0/yr. The Capital One Quicksilver Cash Rewards Credit Card leads on travel; the Capital One Savor Cash Rewards Credit Card on dining.
Card data as of October 12, 2026.
Capital One Quicksilver Cash Rewards Credit CardCapital One · No annual fee
Capital One Savor Cash Rewards Credit CardCapital One · No annual fee
Overview
- Annual fee
- Capital One Quicksilver Cash Rewards Credit Card$0Capital One Savor Cash Rewards Credit Card$0
- Welcome offerCurrent public offer
- Capital One Quicksilver Cash Rewards Credit Card$200 cash backCapital One Savor Cash Rewards Credit Card$200 cash back
- Rewards
- Capital One Quicksilver Cash Rewards Credit CardCash backCapital One Savor Cash Rewards Credit CardCash back
- Foreign transaction fee
- Capital One Quicksilver Cash Rewards Credit CardNoneCapital One Savor Cash Rewards Credit CardNone
- Network
- Capital One Quicksilver Cash Rewards Credit CardMastercard World EliteCapital One Savor Cash Rewards Credit CardMastercard World Elite
Earn ratesPer $1 spent
- Dining
- Capital One Quicksilver Cash Rewards Credit Card1.5%Capital One Savor Cash Rewards Credit Card3%Highest
- Entertainment
- Capital One Quicksilver Cash Rewards Credit Card1.5%Capital One Savor Cash Rewards Credit Card3%Highest
- Grocery Stores
- Capital One Quicksilver Cash Rewards Credit Card1.5%Capital One Savor Cash Rewards Credit Card3%Highest
- Streaming
- Capital One Quicksilver Cash Rewards Credit Card1.5%Capital One Savor Cash Rewards Credit Card3%Highest
- Everything else
- Capital One Quicksilver Cash Rewards Credit Card1.5%HighestCapital One Savor Cash Rewards Credit Card1%
Perks & access— means none on record
- Other perks
- Capital One Quicksilver Cash Rewards Credit Card
- No Foreign Transaction Fees
- 24/7 Travel Assistance Services Worldwide
- Capital One Dining
- Complimentary Concierge Service
Capital One Savor Cash Rewards Credit Card- Capital One Dining
- Complimentary Concierge Service
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Capital One Quicksilver Cash Rewards Credit Card
- Travel Accident Insurance Up to $1,000,000
Capital One Savor Cash Rewards Credit Card- Travel accident insurance
- Extended warranty
- Capital One Quicksilver Cash Rewards Credit Card
- Extended Warranty Doubles Coverage, Up to 24 Months
Capital One Savor Cash Rewards Credit Card- Extended warranty
- Other protections
- Capital One Quicksilver Cash Rewards Credit Card
- Free Credit Monitoring with CreditWise
Capital One Savor Cash Rewards Credit Card- Credit monitoring
Pros & cons
- Pros
- 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
Capital One Savor Cash Rewards Credit Card- No annual fee for a card with 3% back on dining and entertainment
- 3% cash back at restaurants on a card with no annual fee
- 3% on entertainment covers streaming, concerts, movies, and more
- 3% at grocery stores provides solid everyday value
- 8% back on Capital One Entertainment purchases is exceptional
- Cons
- 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
Capital One Savor Cash Rewards Credit Card- Only 1% cash back on purchases outside bonus categories
- No travel-specific benefits like lounge access or trip insurance
- Cash back only - no transfer partners for travel redemptions
- Grocery bonus typically excludes warehouse clubs like Costco
Category-by-Category Winner
The Capital One Savor Cash Rewards Credit Card wins in 4 of 6 categories. The Capital One Quicksilver Cash Rewards Credit Card leads in 2.
Travel
Capital One Quicksilver Cash Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Dining
Capital One Savor Cash Rewards Credit Card earns 3X vs 1.5X
Entertainment
Capital One Savor Cash Rewards Credit Card earns 3X vs 1.5X
Grocery Stores
Capital One Savor Cash Rewards Credit Card earns 3X vs 1.5X
Streaming
Capital One Savor Cash Rewards Credit Card earns 3X vs 1.5X
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 Savor Cash Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Capital One Quicksilver Cash Rewards Credit Card | Capital One Savor Cash Rewards Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $180 Year one: $380 | Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $192 Year one: $392 | Capital One Savor Cash Rewards Credit Card | Capital One Savor Cash Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $920 | Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $768 Year one: $968 | Capital One Savor Cash Rewards Credit Card | Capital One Savor 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
Get the Capital One Savor Cash Rewards Credit Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
The Bottom Line
Both scenarios favor the Capital One Savor 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 Capital One Quicksilver Cash Rewards Credit Card or Capital One Savor 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.
- Should I get the Capital One Quicksilver Cash Rewards Credit Card or the Capital One Savor 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.
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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.