Bogdan Roberts, Credit Cards Moderator
@bogdan_roberts
Choosing to get either the Capital One SavorOne Cash Rewards Credit Card or the Capital One Quicksilver Cash Rewards Credit Card boils down to your personal spending preferences. If you’re a big spender on dining, entertainment, streaming services and groceries, Capital One SavorOne is the easy overall winner. But if you don’t spend a lot in any particular category and prefer straightforward rewards on everything you buy, then go with the Capital One Quicksilver.
Both options are popular cash back cards for a reason. They happen to have a lot in common, except for their ongoing rewards rates. The Capital One SavorOne gives 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining, entertainment, popular streaming services and grocery store purchases, along with 1% back on all other purchases (except for 8% back on tickets from Vivid Seats and on Capital One Entertainment purchases). And the Capital One Quicksilver offers 5% cash back on hotel and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases.
Here is how Capital One SavorOne and Capital One Quicksilver compare:
- Initial Bonus: Capital One SavorOne offers $200 for spending $500 in the first 3 months. Capital One Quicksilver offers $200 for spending $500 in the first 3 months.
- Ongoing rewards: Capital One SavorOne earns 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining, entertainment, popular streaming services and grocery store purchases, along with 1% back on all other purchases (except for 8% back on tickets from Vivid Seats and on Capital One Entertainment purchases). Capital One Quicksilver earns 5% cash back on hotel and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases.
- Interest rates: Both cards benefit from introductory APRs of 0% for 15 months on purchases and balance transfers - 15.24% - 25.24% (V), based on the specifics of your credit, thereafter. Both have a balance transfer fee of 3%.
- Credit requirements: Both cards require a credit score of 700, at a minimum. That means applicants need at least good for approval.
- Foreign transaction fees: Both Capital One SavorOne and Capital One Quicksilver feature a $0 foreign fee, so they’ll be good companions while traveling abroad or shopping from internationally based merchants.
- Annual fee: Capital One SavorOne features a $0 annual fee. Capital One Quicksilver also benefits from a $0 annual fee.
Given their similarities, the best option will come down to whether you spend more in Capital One SavorOne’s supplemented reward categories, or Capital One Quicksilver’s more straightforward cash back rewards will enable you to maximize your transactions.
You should also be aware that Capital One offers different versions of each card for different types of users. There’s the Capital One QuicksilverOne Cash Rewards Credit Card, which charges a $39 annual fee and is designed for people with limited or fair credit. Capital One QuicksilverOne also benefits from straightforward cash back rewards by earning you 5% cash back on hotel and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases. And there’s the Capital One® Savor® Cash Rewards Credit Card, which offers 4% cash back on dining, entertainment and popular streaming services, 3% back at grocery stores and 1% back on all other purchases (except for 8% back on tickets from Vivid Seats and on Capital One Entertainment purchases). Plus, it features an initial bonus of $300 for spending $3,000 in the first 3 months. But it comes with a $95 annual fee. It’s better for high-spenders with good credit or better (a score of 700+).

Capital One Quicksilver Cash Rewards Credit Card
Benny Joseph, WalletHub Analyst
@Benjy_1
The Capital One SavorOne Cash Rewards Credit Card and the Capital One Quicksilver Cash Rewards Credit Card are both cash back cards with no annual fee, no foreign transaction fee, and introductory 0% APRs for 15 months on purchases and balance transfers. They even share identical sign up bonuses: $200 for spending $500 in the first 3 months. The big difference is in the cards' rewards structures. The Capital One SavorOne Cash Rewards Credit Card offers unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining, entertainment, popular streaming services and grocery store purchases, along with 1% back on all other purchases (except for 8% back on tickets from Vivid Seats and on Capital One Entertainment purchases). The Capital One Quicksilver Cash Rewards Credit Card gives a flat 5% cash back on hotel and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases. Both cards require good/excellent credit to qualify.
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