Capital One Quicksilver Cash Rewards Credit Card vs Discover it Cash Back

A detailed side-by-side comparison to help you choose the right card for your spending.

Capital One Quicksilver Cash Rewards Credit Card

Capital One

Discover it Cash Back

Discover

Annual Fee

Welcome Bonus

200 Cash

150 cash

Base Earn Rate

—

Top Earn Categories

5X Travel

5X Entertainment

5X Rotating Quarterly

Network

MASTERCARD

DISCOVER

Key Benefits

None

Explore More

Capital One Quicksilver Cash Rewards Credit Card — Full Review All Capital One Cards

Discover it Cash Back — Full Review All Discover Cards

Browse all comparisons →Browse all card categories →

Capital One Quicksilver Cash Rewards Credit Card vs Discover it Cash Back

A detailed side-by-side comparison to help you choose the right card for your spending.

Capital One Quicksilver Cash Rewards Credit Card

Capital One

Discover it Cash Back

Discover

Annual Fee

Welcome Bonus

200 Cash

150 cash

Base Earn Rate

—

Top Earn Categories

5X Travel

5X Entertainment

5X Rotating Quarterly

Network

MASTERCARD

DISCOVER

Key Benefits

None

Explore More

Capital One Quicksilver Cash Rewards Credit Card — Full Review All Capital One Cards

Discover it Cash Back — Full Review All Discover Cards

Browse all comparisons →Browse all card categories →

Capital One Quicksilver Cash Rewards Credit Card vs Discover it Cash Back

A detailed side-by-side comparison to help you choose the right card for your spending.

Capital One Quicksilver Cash Rewards Credit Card

Capital One

Discover it Cash Back

Discover

Annual Fee

Welcome Bonus

200 Cash

150 cash

Base Earn Rate

—

Top Earn Categories

5X Travel

5X Entertainment

5X Rotating Quarterly

Network

MASTERCARD

DISCOVER

Key Benefits

None

Explore More

Capital One Quicksilver Cash Rewards Credit Card — Full Review All Capital One Cards

Discover it Cash Back — Full Review All Discover Cards

Browse all comparisons →Browse all card categories →

+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 booked through Capital One Travel portal
+Low $500 spend requirement for welcome bonus is easy to meet

+Cashback Match doubles ALL rewards earned in first year - unlimited
+5% cash back on rotating quarterly categories (up to $1,500 spend/quarter)
+No annual fee ever
+No foreign transaction fees (rare for no-AF cards)
+0% intro APR for 15 months on purchases and balance transfers

Cons

−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

−Discover network has lower acceptance than Visa/Mastercard, especially internationally
−Must activate 5% categories each quarter or earn only 1%
−$1,500 quarterly cap on 5% categories limits high spenders
−After year one, effective earn rate drops significantly
−Base rate of 1% on non-bonus spending is below flat-rate alternatives

+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 booked through Capital One Travel portal
+Low $500 spend requirement for welcome bonus is easy to meet

+Cashback Match doubles ALL rewards earned in first year - unlimited
+5% cash back on rotating quarterly categories (up to $1,500 spend/quarter)
+No annual fee ever
+No foreign transaction fees (rare for no-AF cards)
+0% intro APR for 15 months on purchases and balance transfers

Cons

−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

−Discover network has lower acceptance than Visa/Mastercard, especially internationally
−Must activate 5% categories each quarter or earn only 1%
−$1,500 quarterly cap on 5% categories limits high spenders
−After year one, effective earn rate drops significantly
−Base rate of 1% on non-bonus spending is below flat-rate alternatives

+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 booked through Capital One Travel portal
+Low $500 spend requirement for welcome bonus is easy to meet

+Cashback Match doubles ALL rewards earned in first year - unlimited
+5% cash back on rotating quarterly categories (up to $1,500 spend/quarter)
+No annual fee ever
+No foreign transaction fees (rare for no-AF cards)
+0% intro APR for 15 months on purchases and balance transfers

Cons

−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

−Discover network has lower acceptance than Visa/Mastercard, especially internationally
−Must activate 5% categories each quarter or earn only 1%
−$1,500 quarterly cap on 5% categories limits high spenders
−After year one, effective earn rate drops significantly
−Base rate of 1% on non-bonus spending is below flat-rate alternatives