If you are in the market for the best cash back credit card then the matchup with the Capital One SavorOne Cash Rewards Credit Card vs Capital One Quicksilver Cash Rewards Credit Card is a great one to look at. Both of these credit cards have their strong points and it all boils down to your spending habits to find which card is right for you.
By Matthew Coan
For example, if you do a lot of shopping at grocery stores then one card might be better. Or maybe you make a lot of entertainment purchases which might make one card a good option over the other.
Either way you are getting a great cash back credit card that is simple and easy to use. Both in the form of earning rewards and also redeeming them as well. It’s important to note that both of these cards will require you to have a credit score in the good to excellent range.
Be sure to understand your current credit history before applying. So let’s dive in and see what both of these cards have to offer in the battle of the Capital One SavorOne vs Quicksilver.
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Capital One SavorOne Cash Rewards Credit Card
- Top credit card for dining and entertainment
- Provides great value for a no annual fee card
- Travel rewards are an excellent addition
- Intro APR rate on new purchases and balance transfer
Capital One Quicksilver Cash Rewards Credit Card
- One of the top flat cash back rate cards available
- Excellent value across all spending
- Capital One Travel rewards take this card up another level
- No annual fee creates lots of upside for cash back rewards
Contents
Capital One SavorOne Cash Rewards Credit Card
Capital One Quicksilver Credit Card
Capital One SavorOne vs Quicksilver Breakdown
To start out both the Capital One SavorOne and Quicksilver card both come with a $200 signup bonus after spending $500 in the first 3 months of account opening. Then after that things start to get interesting.
With the SavorOne Card you can earn 10% cash back on Uber and Uber Eats purchases.
After that you can enjoy 8% cash back on purchases made through Capital One Entertainment, 5% cash back on hotel and rental cars booked through the Capital One travel site (terms apply), 3% cash back on dining, entertainment, certain streaming services, and at grocery stores (excluding grocery superstores).
And to top it off you will earn 1% cash back on all other purchases that you make.
And you get this all for no annual fee.
The Capital One Quicksilver Cash Rewards credit card will earn 5% cash back on rental cars and hotels booked through the Capital One travel site and 1.5% cash back on all other purchases that you make.
It also comes with no annual fee.
The Capital One SavorOne Card will be a better choice if you maximize the bonus categories that it comes with. The Capital One Quicksilver card will be best if you want an overall higher cash back rate on non bonus earning categories.
Capital One SavorOne Cash Rewards Credit Card
This card offers a ton of different spending categories where you can earn bonus cash back. If you like to go to live events such as concerts or sporting events then you get a bonus cash back rates for purchases made through certain ticket vendors.
If you travel a lot and want to utilize the Capital One Travel portal then you will earn bonus cash back for purchases made through this as well.
And of course there is the bonus cash back category of dining purchases as well (which is where the family of Savor cards all started).
After that you will earn a base cash back rate which is on par with other base cash back rates for similar cards in this category. The Capital One SavorOne card also comes with a decent signup bonus as well which can help kick start your cash back earning.
And of course you get all of this with no annual fee.
See the full breakdown of all the Capital One SavorOne benefits and rewards
Key Takeaways
- $200 sign-up bonus
- 10% cash back on Uber and Uber Eats purchases
- 8% cash back on purchases made through Capital One Entertainment
- 5% cash back on rental car and hotel purchases booked through Capital One Travel (terms apply)
- 3% cash back on entertainment, dining, certain streaming services, and grocery stores (excluding grocery superstores)
- 1% cash back on all other purchases
- No foreign transaction fees
- 0% intro APR on new purchases for 15 months
- 0% intro APR on balance transfers for 15 months
- No annual fee
- And more (click here to learn more)
See for yourself. The top cash back credit card offers available this month.
Capital One Quicksilver Cash Rewards Credit Card
If you are looking for good old fashioned, as simple as it gets, cash back then the Capital One Quicksilver card is a better option. Capital one is proud of their travel portal (and they should be) so you will earn bonus cash back on purchases made through it.
After that you get a base flat rate cash back cash back earnings power, higher than other cards in this category, on everything else that you buy.
No need to worry about spending categories or where you will earn the most cash back. You get the same awesome cash back rate on everything that you buy. You can also take advantage of a great signup bonus offer and enjoy all of this with no annual fee as well.
All in all a great and simple to use cash back credit card.
Key Takeaways
- $200 signup bonus
- 5% cash back on rental cars and hotels booked through Capital One Travel (terms apply)
- 1.5% cash back on all other purchases
- 0% intro APR on new purchases for 15 months
- 0% intro APR on balance transfers for 15 months
- No foreign transaction fees
- No annual fee
- Cash back won’t expire and there is no limit on the amount of cash back you can earn
- And more (click here to learn more)
See for yourself. The top cash back credit card offers available this month.
Capital One SavorOne vs Quicksilver Reward Redemption
Both card have the same cash back rewards redemption options. And both are pretty simple and straightforward, which is all you can ask for from a cash back credit card. As of now, new cardholders can redeem your cash back as a statement credit, check, use them for gift cards, or to cover previous purchases.
Super easy cash back earning that you can use as you please. All of this can be done through your Capital One online account.
You will find all of the reward redemption information that you are looking for along with what items are available for you to claim. After that it’s up to you to determine which card is the best option as far as how you will earn your cash back.
Capital One does a great job and making everything easy to figure out through your online account.
No need to worry about it being difficult to redeem the rewards that you worked hard to earn.
You can redeem credit rewards in all different ways. Take a look at the best credit card rewards to see all the different options.
Annual Fee
When it comes to finding out the winner of these two cards in the annual fee department it is really quite easy. They both have no annual fee, which means that you get to keep as much of the cash back rewards you earn as possible.
Now just because both of these cards do not have an annual fee doesn’t mean they are the best fit for you. Some people refuse to pay an annual fee, and rightfully so, because they want to keep as much of their rewards as possible.
But cards that do come with annual fees usually come with a higher rewards rate level and added perks and benefits.
So be sure to weigh all of your options because you may find that a cash back credit card with an annual fee might include rewards and benefits that you can find useful and can also offset the cost of the annual fee to make it worth it.
If no annual fee is what you are looking for then you have to see all the great options for no annual fee credit cards.
Popular Question: Is the Capital One SavorOne Card Metal?
Foreign Transaction Fees
If you are someone who plans to use either of these cards when you are traveling internationally then this is the section you want to pay attention to. Both the Quicksilver and the SavorOne Card do not charge foreign transaction fees.
Which means that you are free to use your card overseas and not worry about being charged anything extra.
Just use your card as you would anywhere else and they will convert it into the local currency with no extra charges. This could actually save you a lot of money if you travel a lot.
Credit cards that do charge a foreign transaction fee are usually in the 3% range which can add up quickly, especially if you are taking a long trip to multiple countries.
This is another great perk where these cards come out with a tie in the Capital One SavorOne vs Quicksilver competition.
If foreign transaction fees are a priority for you then be sure to compare these two cards against other no foreign transaction fee cards.
Rental Cars And Hotels
Being that this is a matchup between two of the best cash back credit cards you may be wondering why hotels and rental cars are being mentioned. Well as you already know that both of these cards offer bonus cash back on certain travel purchases made through the Capital One Travel Portal.
And, as of the time of this writing, those qualifying travel purchases are for hotels and rental cars. So even if travel is not your main spending category, most people do take the occasional trip. And those trips may or may not include a stay at a hotel or booking a rental car.
But if that is something that you may end up doing then know that if you book any of these two items through the Capital One Travel Portal with your Capital One SavorOne or Quicksilver card, then you are earning a rewards rate on par with some of the best travel credit cards available.
Be sure to consider some of the best travel credit cards if rental cars and hotels are high on you list to maximize the rewards you get.
Travel Accident Insurance
Sticking with the theme of travel benefits for this matchup of Capital One SavorOne vs Quicksilver we come to travel accident insurance. At the time of this writing, both the Capital One SavorOne and the Capital One Quicksilver Card offer travel accident insurance.
The downside is that is where it ends with the SavorOne Card.
The Capital One Quicksilver Card takes things a few steps further by also offering insurance on
- Trip cancellation
- Lost or damaged luggage
- Baggage delay reimbursement
- Car rental Insurance
If these are things that you value then the clear winner is the Capital One Quicksilver.
It is important to note that these benefits and features change all of the time so be sure to check the up to date current offer to double check any include insurance features.
Not all credit cards are created equal when it comes to travel insurance. Be sure to take a look at the best credit cards for travel to see which options give you the most coverage.
Balance Transfers
Since both of these cards are offered by Capital One you would think that they would be close to the same when it comes to balance transfers and they offers they have.
And you would be right. Both of these cards have balance transfer offers that you can take advantage of along with their intro 0 APR period.
It’s important to note that there may be a balance transfer fee that accompanies these offers.
Many credit cards charge them so it’s usually something that you cannot avoid. Depending on the amount you are transferring over, it may be worth paying the balance transfer fee because of the amount you will still save in interest charges.
So go ahead and do some quick math and see how much you will save over the time of the 0 APR intro period and check if it will be worth it for you.
In rare cases there will be a credit card that does not charge a balance transfer fee. But these offers change often so be sure to weigh all of your options if it is a balance transfer that you are interested in. Saving as much money is the goal with a balance transfer and we want to make sure that you have all the information you need to do just that.
See where both of these cards rank among the other best balance transfer credit cards. You might be able to find a better offer.
Winner
When it comes down to choosing the winner between two great cash rewards credit cards credit cards that answer usually comes down to what you want out of a credit card as far as cash-back rewards earning rates. Finding the best credit cards in a certain category is hard because everyone is different.
If you know you will be spending more in the categories that the SavorOne card offers bonuses rewards in then this is the best choice for you.
If you want the ease of use and freedom that the Quicksilver card offers then this is for sure the card you want to go with. The key is to try and earn as much cash back as possible without overspending to get it.
Both of these cards earn a welcome bonus, so after that it’s all about the cash back you can earn depending on where you do most of your spending.
If you already have excellent credit then you are good to go to apply for either one of these credit cards.
So go ahead and check out the current offers for both of these cash-back credit cards and get ready to take your cash back rewards game to the next level.
While both of these cards are great options, how do they rank amongst all other cash back cards. One might be in the top 3. Check the rankings for the best cash back credit cards.
Where Both Of These Cards Can Do Better
There is a reason that both of these Capital One Cards are at the top of a lot of people lists when it comes to cash back credit cards. With the SavorOne Card you want to make sure and understand what qualifies in the bonus categories that it offers.
There are some things that you think would qualify but do not.
Also if you do decide to utilize it for a balance transfers make sure to understand if there is a balance transfer fee that you will incur. Many cards charge this but it is always something to look out for when doing a balance transfer.
The Quicksilver card with its straightforward and simple approach to cash back could have a few more things added to it. While it is super easy to use and understand we think that some people would go a step further and take advantage of extra bonuses if it had them.
Same goes with a balance transfer fee if that is something you are interested in.
While the intro APR rate is enticing just know that there might be a fee associated with it as well.
All in all there really isn’t too much to go over as far as what else these cards can have included with them. While they are both cash back credit cards, they are different and appeal to different types of people.
So they both make great choices depending on what you want from a cash back credit card.
If you want bonus categories then go with the SavorOne Card. If it is no frills and straightforward cash rewards you want then go with the Quicksilver card. We are pretty sure you will be happy with whichever card you decide to get.
Get a top level view of the SavorOne and Quicksilver against all of the other best cash back credit card offers.
Other Options To Consider
Chase Freedom Unlimited®
If it is bonus cash back categories that you interested in, then the Chase Freedom Unlimited is a card to be on your radar. With bonus categories that include travel (when booked through Chase Ultimate Rewards), dining and takeout, and drugstores you should be able to find value if that is where you do a lot of everyday spending.
Not to mention the elevated cash back rate that you get on all other purchases as well.
The Chase Freedom Unlimited also takes their signup bonus to another level as well. Instead of the traditional bonus, you get extra cash back added to every spending category for your first year. Therefore your signup bonus will depend on how much you maximize your spending with your card.
Key Features
- Elevated cash back rate on all spending categories for your first year
- Bonus cash back on things like travel, drugstores, and dining and takeout
- No annual fee
- And more
Citi® Double Cash Card
Elevated flat rate cash back on all spending is what the Citi Double Cash Card is about. No bonus categories to worry about. You just use your card to make all of your everyday purchases and you are good to go.
The Citi Double Cash Card rewards you when you make a purchase and then again when you pay if off. Essentially doubling the typical cash back rate of most other cards. And you get this with no annual fee as well. Meaning that all the cash back that you earn is yours to keep.
Key Features
- Earn 2% cash back on all purchases. 1% when you buy and 1% when you pay off your purchases
- Earn cash back when you pay it off
- No annual fee
- And more
Capital One Savor Card
If you want the other sibling to the Capital One SavorOne card then you will get the Savor Card. It takes the rewards of the SavorOne card to another level. Along with a higher signup bonus as well being another one of the key differences.
But you will have an annual fee that comes with it. So it’s up to you to find the value in it. The same bonus categories apply. With dining, takeout, and entertainment leading pack.
You also have the option to try the no annual fee SavorOne card for a while and if you find that you are wanting a little more rewards out of it, then you can upgrade to the Savor Card.
Key Features
- Super high bonus cash back on travel, dining, takeout, and entertainment
- Great signup bonus offer
- Annual fee
- And more
Chase Sapphire Preferred® Card
With both of these cards offering bonus cash back when booking travel through their respective travel portal, it is only right that we recommend a travel credit card. And the Chase Sapphire Preferred is a great option. With bonus points being offered for travel and dining it is a good competitor to both the SavorOne and the Quicksilver card.
You also get a great signup bonus opportunity and your Chase points become much more valuable when you use them through the Chase Ultimate Rewards portal.
There is an annual fee, but you can find great value in all the included benefits, so it may be worth it.
Key Features
- Awesome signup bonus opportunity
- Bonus points for travel and dining purchases
- Points get added value when used through Chase Ultimate Rewards
- Annual fee
- And more
Capital One SavorOne vs Quicksilver Summary
While both of these are great and honestly two of some of the top choices in this category, it can be hard to determine which one is better in the Capital One SavorOne vs Quicksilver battle.
With the Capital One SavorOne card allowing you to maximize the cash back you get in the bonus categories that it offers.
And then the Capital One Quicksilver Card gives you an elevated plan and simple flat cash back rate on everything you purchase. You have to ask yourself which one is better for you.
Do you want the bonus rewards of the SavorOne Card, or the straightforward and simplicity of the Quicksilver Card?
We went over some of the things that both of these cards can do better and while there wasn’t much, there is always room for improvement.
It can be hard to find a credit card that has everything that you want so you have to just concede that you can try to find a card that comes as close it as possible.
We think that because the SavorOne and Quicksilver cards offer great cash back rewards they do it in different ways. So it all depends on how you want to maximize the money that you spend.
As far as added benefits go both of these cards are pretty equal. Since both of them are Capital One branded cards you can expect that. No annual fee is always a plus for both of these cards. You need a minimum of good credit to qualify so therefore the extras should be included as well.
While there are way to many added benefits to cover (you can see them all by going through our Best Credit Cards page to view the current offers) you can be sure that you will not be disappointed.
You are doing yourself a favor by doing your research and putting the time in to find the best credit card for you. We think that in the battle of the Capital One SavorOne vs Quicksilver card you can find the best fit for you and be on your way to getting as much cash back as possible.
Must See: How these two cards rank amongst the best cash back credit card offers this month.
“For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply”
About the author: Matthew Coan is the founder of Casavvy and a credit card expert. He has appeared in various media outlets including Yahoo, Credit Karma, Market Watch, Mens Journal, and more. Continue reading
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