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

We recommend the Capital One Quicksilver Cash Rewards Credit Card(Rates and fees) over the Capital One Savor Cash Rewards Credit Card* because the Quicksilver has a $0 annual fee while offering reliable 1.5% cash back on every purchase, every day.

Although the Capital One Savor Cash Rewards Credit Card* has a $95 annual fee, it could make sense to someone who wants elevated rewards on dining, concerts, experiences, and other entertainment forms booked via Capital One Entertainment.

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.

Key takeaways

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

When you compare credit cards, you can see that both these cards can offer valuable earning potential.

But one major difference is that the Capital One Savor Cash Rewards* has a $95 annual fee, while the Capital One Quicksilver Cash Rewards has a $0 annual fee.

	Capital One Savor Cash Rewards Credit Card* 4.9 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Capital One Quicksilver Cash Rewards Credit Card(Rates and fees) 4.5 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.
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	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

We prefer the Capital One Quicksilver Cash Rewards Credit Card(Rates and fees) because of its simple flat 1.5% cash back on every purchase, every day while having a $0 annual fee. This makes it a simple and cost-effective option for a broader range of consumers. However, the Capital One Savor Cash Rewards Credit Card still makes sense for people who often dine out or frequently purchase access to concerts, experiences, or entertainment from Capital One Entertainment.

Capital One Savor benefits and Drawbacks

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 concierge services, 24-hour travel assistance, 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

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 and 24-hour travel assistance 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 you pay 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 are considered travel credit cards, 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. 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 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. There is a 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

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.

Lucrative, Flat-Rate Cash Rewards

Wells Fargo Active Cash^® Card

5.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Wells Fargo Active Cash^® Card

Apply Now

Rates and fees

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

Benefits

• $200 cash rewards bonus after spending $500 in purchases in the first 3 months
• Earn unlimited 2% cash rewards on purchases
• Intro APR on purchases and qualifying balance transfers
• $0 annual fee

Drawbacks

• Has foreign transaction fee
• No bonus categories

Card Details

• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
• Earn unlimited 2% cash rewards on purchases.
• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
• $0 annual fee.
• No categories to track or remember and cash rewards don’t expire as long as your account remains open.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.