Capital One Quicksilver Cash Rewards Credit Card vs SavorOne Rewards from Capital One
Annual fees: Capital One Quicksilver Cash Rewards Credit Card $0/yr, SavorOne Rewards from Capital One $39/yr. Strongest bonus categories: Capital One Quicksilver Cash Rewards Credit Card on travel, SavorOne Rewards from Capital One on hotels.
Card data as of October 12, 2026.
Capital One Quicksilver Cash Rewards Credit CardCapital One · No annual fee
SavorOne Rewards from Capital OneCapital One · $39/yr
Overview
- Annual fee
- Capital One Quicksilver Cash Rewards Credit Card$0LowestSavorOne Rewards from Capital One$39
- Welcome offerCurrent public offer
- Capital One Quicksilver Cash Rewards Credit Card$200 cash backSavorOne Rewards from Capital One—
- Rewards
- Capital One Quicksilver Cash Rewards Credit CardCash backSavorOne Rewards from Capital OneCash back
- Foreign transaction fee
- Capital One Quicksilver Cash Rewards Credit CardNoneSavorOne Rewards from Capital OneNone
- Network
- Capital One Quicksilver Cash Rewards Credit CardMastercard World EliteSavorOne Rewards from Capital OneMastercard World Elite
Earn ratesPer $1 spent
- Dining
- Capital One Quicksilver Cash Rewards Credit Card1.5%SavorOne Rewards from Capital One3%Highest
- Entertainment
- Capital One Quicksilver Cash Rewards Credit Card1.5%SavorOne Rewards from Capital One3%Highest
- Grocery Stores
- Capital One Quicksilver Cash Rewards Credit Card1.5%SavorOne Rewards from Capital One3%Highest
- Streaming
- Capital One Quicksilver Cash Rewards Credit Card1.5%SavorOne Rewards from Capital One3%Highest
- Everything else
- Capital One Quicksilver Cash Rewards Credit Card1.5%HighestSavorOne Rewards from Capital One1%
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
SavorOne Rewards from Capital One- Free Concierge Service 24 Hours a Day Year Round
- Get 50% Off All Handcrafted Beverages at Capital One Cafes
- Exclusive Capital One Dining Access to Award Winning
- Exclusive Capital One Entertainment Access with Early Ticket
- Zero Foreign Transaction Fees on All International Purchases
- Around the Clock 24 Hour Travel Help
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
SavorOne Rewards from Capital One- Travel Accident Cover at No Extra Charge
- Extended warranty
- Capital One Quicksilver Cash Rewards Credit Card
- Extended Warranty Doubles Coverage, Up to 24 Months
SavorOne Rewards from Capital One- Extended Warranty Cover at No Charge on Eligible Purchases
- Other protections
- Capital One Quicksilver Cash Rewards Credit Card
- Free Credit Monitoring with CreditWise
SavorOne Rewards from Capital One- Credit monitoring
- Zero Dollar Fraud Liability Cover on All Unauthorized
- Virtual Card Numbers from Eno for Secure Online Shopping
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
SavorOne Rewards from Capital One- 3% cash back on popular categories for a $39 annual fee
- 3% back on dining, groceries, entertainment, and streaming services
- 8% cash back on Capital One Entertainment ticket purchases
- 5% cash back on hotels, vacation rentals and rental cars via Capital One Travel
- No foreign transaction fees for international spending
- 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
SavorOne Rewards from Capital One- Grocery exclusions for Walmart, Target, and warehouse clubs
- 1% base rate on non-bonus categories is below average
- $39 annual fee, no welcome bonus and no intro APR
- 29.24% variable purchase APR
- No travel benefits or lounge access
Category-by-Category Winner
The SavorOne Rewards from Capital One wins in 4 of 6 categories. The Capital One Quicksilver Cash Rewards Credit Card leads in 2. 3 more categories depend on booking channel or caps.
Travel
Capital One Quicksilver Cash Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Dining
SavorOne Rewards from Capital One earns 3X vs 1.5X
Entertainment
SavorOne Rewards from Capital One earns 3X vs 1.5X
Streaming
SavorOne Rewards from Capital One earns 3X vs 1.5X
Hotels
Depends: via issuer travel portal
SavorOne Rewards from Capital One earns 5X when conditions are met; Capital One Quicksilver Cash Rewards Credit Card earns 1.5X (1.5X without restrictions)
Car Rentals
Depends: via issuer travel portal
SavorOne Rewards from Capital One earns 5X when conditions are met; Capital One Quicksilver Cash Rewards Credit Card earns 1.5X (1.5X without restrictions)
Grocery Stores
SavorOne Rewards from Capital One earns 3X vs 1.5X
Vacation Rentals
Depends: via issuer travel portal
SavorOne Rewards from Capital One earns 5X when conditions are met; Capital One Quicksilver Cash Rewards Credit Card earns 1.5X (1.5X without restrictions)
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.
The better card depends on how much you spend.
| Scenario | Capital One Quicksilver Cash Rewards Credit Card | SavorOne Rewards from Capital One | 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 ($39) Ongoing: $153 Year one: $153 | Capital One Quicksilver Cash Rewards Credit Card | Capital One Quicksilver 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 ($39) Ongoing: $729 Year one: $729 | SavorOne Rewards from Capital One | Capital One Quicksilver Cash Rewards Credit Card |
Is the Fee Difference Worth It?
The SavorOne Rewards from Capital One costs $39/yr — that's $39 more than the Capital One Quicksilver Cash Rewards Credit Card (no annual fee). To justify that gap, you need to extract at least $39 in annual value from the card's higher earn rates and benefits.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $39 fee gap means the SavorOne Rewards from Capital One needs roughly $39 more in annual rewards (or credits you will use) to break even on hotels and car rentals and everyday spend.
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 SavorOne Rewards from Capital One if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
The Bottom Line
The better card depends on how much you spend.
Everyday (non-bonus) spend earns 1.5X on the Capital One Quicksilver Cash Rewards Credit Card vs 1X on the other card.
Published annual fees: Capital One Quicksilver Cash Rewards Credit Card $0/yr, SavorOne Rewards from Capital One $39/yr — a $39 difference before welcome offers and credits.
Frequently Asked Questions
- Is the SavorOne Rewards from Capital One worth the higher annual fee?
- The SavorOne Rewards from Capital One costs $39/yr vs $0/yr for the Capital One Quicksilver Cash Rewards Credit Card. Compare the year-one vs ongoing value table on this page — the $39 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- Which card earns more rewards, the Capital One Quicksilver Cash Rewards Credit Card or SavorOne Rewards from Capital One?
- 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 SavorOne Rewards from Capital One?
- Use the spend scenarios on this page: the Capital One Quicksilver Cash Rewards Credit Card has a lower $0/yr fee; the SavorOne Rewards from Capital One must earn enough extra (or offer a larger welcome bonus) to justify $39/yr.
Related Comparisons
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.