Capital One Savor Cash Rewards Credit Card vs. Capital One Quicksilver Cash Rewards Credit Card [2024]: Which Cashback Card is Better?

CREDIT CARDS - CASHBACK CREDIT CARDS
Both the Capital One Savor Cash Rewards and the Capital One Quicksilver Cash Rewards cards provide lucrative cash back on everyday expenses — but which card offers you the most value?
Updated Feb. 21, 2024
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In the world of cash back credit cards, the Capital One Savor Cash Rewards Credit Card* and Capital One Quicksilver Cash Rewards Credit Card(Rates and fees) stand out as two popular options, each offering distinct advantages.

The Capital One Savor is tailored for those who enjoy dining out and entertainment. In contrast, the Capital One Quicksilver helps you earn a straightforward and consistent 1.5% cash back on every purchase, every day, making it a versatile choice for individuals looking for simplicity.

Let’s explore the benefits and drawbacks of each credit card in this Capital One Savor versus Quicksilver comparison to help you determine which card is a better fit for you.

In this Capital One Savor vs. Quicksilver comparison

Key takeaways

  • The Capital One Savor Cash Rewards Credit Card can be a good fit if you frequently dine out and enjoy concerts experiences, and other forms of entertainment. This credit card offers higher cashback rates in these categories.
  • The Capital One Quicksilver Cash Rewards Credit Card(Rates and fees) helps you earn a consistent 1.5% cash back on every purchase, every day.
  • Both cards offer useful redemption options, allowing cardholders to use their cashback rewards for statement credits, checks, gift cards, or covering previous purchases.
  • While both cards don't offer travel rewards, they both provide useful travel benefits, including complimentary concierge services, 24-hour travel assistance,1 and no foreign transaction fees, making them suitable options for occasional travelers.

Capital One Savor Cash Rewards vs. Quicksilver Cash Rewards card details

The Capital One Savor Cash Rewards is a cashback card designed to reward cardholders who often dine out and spend money on entertainment purchases. The Capital One Quicksilver Cash Rewards is also a cashback card, but you can use it to earn rewards on every purchase, regardless of the category it falls under.

If you compare credit cards, you can see that both cards provide valuable earning potential, but the best one for you depends on what you’re looking for. Look at how Capital One Savor and Capital One Quicksilver compete in a side-by-side comparison to see whether any particular benefits might bring you additional value:

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card* 

4.9

Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card(Rates and fees)

4.5

Annual fee $95 $0
Early spend bonus Earn a $300 cash bonus after spending $3,000 in the first 3 months of account opening Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earning rate 10% cash back on purchases made through Uber & Uber Eats (through 11/14/2024); 8% cash back on Capital One Entertainment; 4% cash back on dining, entertainment, and select streaming services; 3% at grocery stores (excluding superstores such as Walmart® and Target®), and 1% cash back on all other purchases 1.5% cash back on every purchase, every day; and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
Redemption methods Redeem cash back for a statement credit or check, gift cards, or to cover previous purchases Redeem cash back for a statement credit or check, gift cards, or to cover previous purchases
Intro APR None 0% intro APR on purchases for 15 months, then 19.99% - 29.99% (variable) APR

0% intro APR on balance transfers for 15 months, then 19.99% - 29.99% (variable) APR; Balance transfer fee applies
Annual credits None None
Travel perks
  • Travel accident insurance
  • Complimentary concierge service available at all times
  • 24-hour travel assistance services
  • Complimentary concierge service available at all times
  • 24-hour travel assistance services
Other benefits
  • Extended warranty protection
  • Exclusive access to premium experiences like culinary, music, and sporting events
  • Extended warranty protection
  • Exclusive access to premium experiences like culinary, music, and sporting events
Foreign transaction fee None None
Credit needed Excellent Excellent, Good
Learn more Learn more

Our verdict

The Capital One Savor* appeals to dining and entertainment enthusiasts with its higher cashback rates in these categories, but its $95 annual fee necessitates enough spending in these categories to offset the cost. In contrast, the Capital One Quicksilver Cash Rewards Credit Card(Rates and fees), with its flat 1.5% cash back on every purchase, every day, and $0 annual fee, provides a simple and cost-effective option for a broader range of consumers. That’s why we lean toward the Capital One Quicksilver as it offers dependable value for everyday spending.

Capital One Savor benefits and drawbacks

Pros
  • Elevated cashback rates on dining, entertainment, and grocery store purchases
  • Generous early spend bonus
  • Travel benefits like travel accident insurance and concierge services
Cons
  • $95 annual fee
  • Low base rewards rate

The Capital One Savor Cash Rewards Credit Card* has several advantages that cater to specific spending preferences. It helps you earn 10% cash back on purchases made through Uber & Uber Eats (through 11/14/2024); 8% cash back on Capital One Entertainment; 4% cash back on dining, entertainment, and select streaming services; 3% at grocery stores (excluding superstores such as Walmart® and Target®), and 1% cash back on all other purchases.

This card also stands out with its generous early spend bonus, helping cardholders earn a $300 cash bonus after spending $3,000 in the first 3 months.

The Capital One Savor provides you with travel benefits such as travel accident insurance, concierge services, and no foreign transaction fees. Furthermore, this credit card provides access to exclusive experiences through Capital One Entertainment, enhancing its appeal.

However, one downside is its $95 annual fee, which could be a deterrent, especially for someone who may not spend enough in the bonus categories to offset this cost.

Additionally, the card's base rewards rate is relatively low, offering only 1% cash back on all other purchases that don’t fall under its bonus categories. This may not be as competitive as some other cash back cards that provide higher flat rates for all spending, making it less appealing for people who don’t like to track spending in specific categories.

Learn more in our Capital One Savor Cash Rewards Credit Card review.

Capital One Quicksilver Cash Rewards Credit Card benefits and drawbacks

Pros
  • Straightforward cashback rate
  • Generous early spend bonus
  • $0 annual fee
  • Intro APR offers on purchases and balance transfers
  • Travel benefits like concierge services and travel assistance
Cons
  • Only one elevated rewards rate for hotels and rental cars booked through Capital One Travel (terms apply)

The Capital One Quicksilver Cash Rewards Credit Card(Rates and fees) offers benefits that cater to a wide range of cardholders. It helps you earn 1.5% cash back on every purchase, every day; and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply).

This means cardholders can enjoy a simple cashback structure without the need to track spending categories. Additionally, the card helps you earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

The $0 annual fee makes it easy to keep this credit card year after another and adds to its benefits and value. The Capital One Quicksilver also includes travel benefits such as concierge services.

In addition to its cashback rewards, the Capital One Quicksilver card provides introductory APR offers on both purchases and balance transfers:

  • 0% intro APR on purchases for 15 months, then 19.99% - 29.99% (variable) APR.
  • 0% intro APR on balance transfers for 15 months, then 19.99% - 29.99% (variable) APR. Keep in mind that a balance transfer fee applies.

However, one drawback is that the Capital One Quicksilver has only one elevated rewards rate, which applies to hotels and rental cars booked through Capital One Travel (terms apply). While this can be beneficial for those who frequently book travel through Capital One Travel, individuals who prefer a card with broader and more diverse bonus categories may find the limited elevated rewards options less appealing.

Apply now or learn more in our Capital One Quicksilver Cash Rewards Credit Card review.

What both cards excel at

Because both Capital One Savor Cash Rewards and Capital One Quicksilver Cash Rewards Credit Card(Rates and fees) earn cash back, their rewards and card benefits are going to have some similarities. Here are the ways both Capital One credit cards overlap in what they offer to cardholders:

  • Redemption options: Many cashback cards offer different redemption options for the cash back you earn. With the Capital One Savor and Capital One Quicksilver, you can apply your cashback rewards as a statement credit on your card or receive a check in the mail for the cashback amount. You can also use your cash back to cover a recent purchase you’ve made on your card or redeem your cash back for gift cards.
  • Travel benefits: Neither of these cards is considered a travel credit card, but they still provide useful travel benefits. On both cards, you can take advantage of travel assistance services if your card is lost or stolen while traveling. For other travel assistance, use the free concierge services to get personalized help with anything you need, including dining reservations, concert tickets, or travel suggestions. Lastly, neither card has foreign transaction fees, so feel free to use your card while traveling abroad without having to worry about additional fees.
  • Additional benefits: Capital One Quicksilver benefits are nearly identical to Capital One Savor benefits. The extended warranty protection can help protect eligible purchases by extending their manufacturer’s warranties.1 If you want new experiences, be sure to check out the Capital One exclusive events made accessible for cardmembers. And to keep on top of your finances, alerts from both CreditWise and Eno can help you manage your recent transactions and credit report changes.

4 important differences between the Capital One Savor Cash Rewards and Quicksilver Cash Rewards cards

If you look at the differences between the Capital One Savor and Capital One Quicksilver Cash Rewards Credit Card(Rates and fees) cards, it’s easier to understand how one might suit you better than the other. These two cards are similar in many ways, but their differences highlight where you’d best find value from them.

1. Early spend bonuses

Although both cards come with early spend bonuses, their terms aren’t exactly the same. The Capital One Savor helps you earn a $300 cash bonus after spending $3,000 in the first 3 months. The Capital One Quicksilver helps you earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

Winner: Tie. Both credit cards offer early spend bonuses. The better bonus will depend on your spending and financial habits.

2. Earning rates

The Capital One Savor earns 10% cash back on purchases made through Uber & Uber Eats (through 11/14/2024); 8% cash back on Capital One Entertainment; 4% cash back on dining, entertainment, and select streaming services; 3% at grocery stores (excluding superstores such as Walmart® and Target®), and 1% cash back on all other purchases.

The Capital One Quicksilver earns 1.5% cash back on every purchase, every day; and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply).

Winner: Tie. The Capital One Savor has a higher overall earning rate than Capital One Quicksilver. However, Capital One Quicksilver’s simple rewards structure can be attractive to many.

3. Annual fees

The Capital One Savor Cash Rewards* has a $95 annual fee, and the Capital One Quicksilver Cash Rewards has a $0 annual fee.

Winner: The Capital One Quicksilver Cash Rewards Credit Card(Rates and fees), thanks to its $0 annual fee.

4. Intro APRs

The Capital One Savor Cash does not offer an introductory APR period on either purchases or balance transfers, while the Quicksilver does. 

Cardholders of the Capital One Quicksilver Cash Rewards Credit Card(Rates and fees) will get a 0% intro APR on purchases for 15 months, then 19.99% - 29.99% (variable) APR. And also a 0% intro APR on balance transfers for 15 months, then 19.99% - 29.99% (variable) APR. Balance transfer fee applies.

Winner: The Capital One Quicksilver since it comes with intro APR offers on purchases and balance transfers.

Which card should you choose?

From how the earning rates are set up on each of these cards, it’s clear the Capital One Savor Cash Rewards and Capital One Quicksilver Cash Rewards Credit Card(Rates and fees) are intended for different types of people or financial situations.

When you should choose the Capital One Savor

  • If you regularly dine out, attend concerts, or enjoy entertainment activities, the Savor card's elevated cashback rates in these categories can significantly boost your rewards.
  • If you spend a lot at grocery stores (excluding superstores such as Walmart® and Target®), as the Capital One Savor helps you earn 3% cash back, which can lead to substantial cashback earnings.
  • If you appreciate access to premium events and experiences in the entertainment and culinary worlds via Capital One Entertainment. This would pair well with Capital One Savor’s cashback rate of 8% on Capital One Entertainment.
  • If you're willing to spend enough to offset the $95 annual fee*.

When you should choose the Capital One Quicksilver Cash Rewards Credit Card(Rates and fees)

  • If you prefer a straightforward cashback structure with a consistent 1.5% cash back on every purchase, every day.
  • If you want to maximize cashback rewards while paying a $0 annual fee.
  • If you don't want to keep track of bonus categories or prefer a low-maintenance approach to rewards.
  • If you're looking for an intro APR on purchases and/or balance transfers.

Capital One Savor and Quicksilver FAQ

Which is better, Capital One Savor Cash Rewards or Quicksilver Cash Rewards?

The better card between Capital One Savor and Capital One Quicksilver is the one that best fits your spending habits and financial goals. Both cards earn cash back, but the Capital One Savor card is designed for use on dining and entertainment purchases. The Capital One Quicksilver, though, earns the same rate of cash back on any type of purchase, but it’s not as high of an earning rate as the bonus categories on the Capital One Savor. Ultimately, the right card for you depends on your personal finance goals and preferences.

Is the Capital One Savor Cash Rewards a good card?

The Capital One Savor could be one of the best cashback credit cards for you if you typically have a lot of dining, entertainment, and grocery purchases. Because the Capital One Savor earns bonus cash back in these categories, you can earn loads of cash back on purchases you already make. There’s no other credit card available that has quite the same unique earning rate as the Capital One Savor. However, if you are looking for a $0-annual-fee card that offers some similar perks, you may want to consider the Capital One SavorOne Cash Rewards Credit Card(Rates and fees) instead.

Is the Capital One Quicksilver Cash Rewards a good card?

The Capital One Quicksilver Cash Rewards Credit Card(Rates and fees) is an excellent choice for a flat-rate, cashback rewards card. It doesn’t have bonus categories, so you earn the same rate of cash back on everything you purchase. In addition, it has a $0 annual fee and benefits like extended warranty protection. For a low-stress cashback card with helpful benefits, it’s hard to beat the Capital One Quicksilver.

What credit score do you need for the Capital One Savor Cash Rewards?

Credit card issuers look at a variety of factors when considering you for a card, and your credit score is just one of these factors. You may have better odds of approval if you have an excellent credit score. An excellent FICO credit score typically starts around 800. Ultimately, approval is at the credit card issuer's discretion and will likely depend upon your credit profile as well as other factors.

What credit score do you need for the Capital One Quicksilver Cash Rewards?

Sources say the Capital One Quicksilver typically requires an excellent credit score to be approved. If your credit score is around 800 or higher, your chances of qualifying for this card should be higher. Again, approval is at the credit card companies' discretion and will likely depend on your credit history and other factors. If you have a good credit score or a fair credit score, you may want to consider an alternative like the Capital One QuicksilverOne Cash Rewards Credit Card, which also offers generous cashback rewards. With this card, you also get benefits like automatic credit line reviews, which could result in automatic credit limit increases if you use your card responsibly.

Other cards to consider

If you are open to applying for a card with a different issuer, you have several great options for cashback cards besides the Capital One Savor and Quicksilver, including:

Chase Freedom Unlimited®: This card offers a generous welcome offer. You can earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year). And while it's marketed as a cash back card, you actually earn Chase Ultimate Rewards points when you spend. Those points can be redeemed for cash, gift cards, travel, and more. Unlike the Capital One cards, this Chase card is a Visa.

Learn more in our Chase Freedom Unlimited® review.

Citi Double Cash® Card: If you don't want the hassle of tracking spending categories and just want simple, flat-rate cash back, this card is worth considering. While there is no welcome bonus, cardmembers can earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back. The Citi Double Cash is a Mastercard.

Learn more in our Citi Double Cash® Card review.

Capital One Savor vs. Quicksilver: bottom line

Both the Capital One Savor and the Capital One Quicksilver Cash Rewards Credit Card(Rates and fees) have their own strengths and weaknesses, making them suitable for different types of cardholders.

The Capital One Savor is ideal for people who frequently dine out, enjoy entertainment, and spend on groceries, thanks to its elevated cashback rates in these categories.

On the other hand, the Capital One Quicksilver offers a simple flat cashback rate, making it a versatile choice for those who prefer a straightforward rewards structure and don't want to worry about bonus categories.

It’s worth keeping in mind that the Capital One Savor* has an annual fee of $95, while the Capital One Quicksilver Cash Rewards Credit Card(Rates and fees) has an annual fee of $0.

* All information about Capital One Savor Cash Rewards Credit Card has been collected independently by FinanceBuzz and has not been reviewed by the credit card issuer.

Lucrative, Flat-Rate Cash Rewards

5.0

Wells Fargo Active Cash® Card

Current Offer

$200 cash rewards bonus after spending $500 in purchases in the first 3 months

Annual Fee

$0

Rewards Rate

Earn 2% cash rewards on purchases

Benefits and Drawbacks
Card Details

Author Details

Ben Walker, CEPF, CFEI® Ben Walker, CEPF, CFEI®, is a Senior Credit Cards Writer at FinanceBuzz. For over a decade, he's leveraged credit card points and miles to travel the world. His expertise extends to other areas of personal finance — including loans, insurance, investing, and real estate — and you can find his insights on The Washington Post, Debt.com, Yahoo! Finance, and Fox Business.

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