Capital One SavorOne vs. Quicksilver: Card comparison
The Capital One SavorOne rewards credit card and the Capital One Quicksilver cash rewards credit card both offer rewards for purchases. But one has different levels of rewards depending on the category, while the other has a single earn rate for every purchase. Keep reading to learn more about each card.
Key takeaways
- Quicksilver and SavorOne are both cash back rewards credit cards.
- Quicksilver offers unlimited 1.5% cash back on every purchase, every day.
- SavorOne has different rewards levels, including unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores.
- Both cards offer an early spend bonus.
What is the Capital One SavorOne card?
The Capital One SavorOne card is a cash back rewards card for those with excellent credit who may not want to pay an annual fee. View important rates and disclosures. It earns unlimited cash back at different levels, depending on the category. You can check out the details in the table below.
What is the Quicksilver card?
The Capital One Quicksilver card is also a cash back rewards card for those with excellent credit who may not want to pay an annual fee. View important rates and disclosures. It earns the same unlimited rewards rate on every purchase, every day.
Capital One Quicksilver vs. SavorOne overview
|
Quicksilver |
SavorOne |
|
|---|---|---|
|
Annual fee |
$0 |
$0 |
|
Rewards |
Unlimited 1.5% cash back on every purchase Unlimited 5% cash back on hotels and rental cars when booking through Capital One Travel |
Unlimited 1% cash back on every purchase Unlimited 3% cash back on dining, entertainment, popular streaming services and grocery stores* Unlimited 5% cash back on hotels and rental cars when booking through Capital One Travel Unlimited 8% cash back at Capital One Entertainment |
|
New card member offer |
$200 cash bonus with a $500 spend within the first 3 months |
$200 cash bonus with a $500 spend within the first 3 months |
|
APR |
Variable |
Variable |
|
Credit score range |
Excellent |
Excellent |
Differences between the Capital One Quicksilver and SavorOne cards
The Quicksilver and SavorOne cards offer similar benefits and features. A key difference is in their rewards structures.
Rewards
Quicksilver offers 1.5% unlimited cash back on every purchase, every day. There’s no limit to how much you can earn and no minimum on how much you can redeem.
The SavorOne card offers a slightly different rewards structure. You’ll earn unlimited:
- 8% cash back at Capital One Entertainment
- 3% cash back on dining, entertainment, popular streaming services and grocery stores*
- 1% cash back on every other purchase
Both cards offer 5% cash back on hotels and rental cars when you book through Capital One Travel.
Bonus offers
Quicksilver and SavorOne offer a new cardholder bonus. You can earn $200 if you spend $500 on purchases within 3 months of opening your account.
Balance transfers
Balance transfers are possible with both Quicksilver and SavorOne. They may offer a 0% introductory annual percentage rate (APR) period. Fees typically depend on how much you’re transferring. Keep in mind, you can’t transfer balances between two Capital One cards. View important rates and disclosures for Quicksilver and SavorOne.
Fees
Both Quicksilver and SavorOne have a $0 annual fee and no foreign transaction fees. Cash advances are treated as separate from regular purchases and usually have their own fee and a higher APR. View important rates and disclosures for Quicksilver and SavorOne.
Capital One SavorOne vs. Quicksilver: Which card is right for you?
SavorOne and Quicksilver offer similar benefits. So if you have excellent credit and get pre-approved for either, the decision might come down to how you prefer to earn rewards.
You might consider the Quicksilver card if you use your card for most of your everyday purchases. And you might consider the SavorOne card if you’re a major foodie or love going out.
Is Quicksilver or SavorOne better for students?
For college students, Capital One has the SavorOne Student and Quicksilver Student credit cards. They’re mostly the same as the regular versions, but the Quicksilver Student card offers 10% cash back on Uber and Uber Eats purchases through November 14, 2024.
Capital One SavorOne vs. Quicksilver cards FAQ
Here are some frequently asked questions about SavorOne and Quicksilver:
Can you have both the Quicksilver and SavorOne cards?
There’s no one-size-fits-all answer to which and how many credit cards you should have. You may want to think through your finances and credit to help you make a decision.
It’s also worth considering that each credit card application results in a hard inquiry. And according to credit-scoring company FICO®, hard inquiries can cause a slight drop in your credit scores. Checking whether you’re pre-approved before applying for a credit card could minimize the number of hard inquiries on your credit report.
Should I upgrade from SavorOne to Quicksilver?
Between SavorOne and Quicksilver, one card isn’t really better than the other. So upgrade may not be the right word. But you may be able to switch from one card to the other and transfer the existing line of credit by doing what’s known as a product change. It’s worth looking into if you don’t think you’re ready for more than one credit card.
Is the SavorOne rewards card better than Quicksilver?
The SavorOne and Quicksilver cards are similar. Choosing one over the other may be more about identifying which best fits your spending habits and financial goals.
Capital One SavorOne vs. Quicksilver in a nutshell
The SavorOne and Quicksilver cards are great options if you want to earn unlimited cash back. They have no annual fee, no foreign exchange fee and an early spend bonus. View important rates and disclosures for Quicksilver and SavorOne. Cardholders might choose between them on the basis of how and where they prefer to earn rewards.
Before you apply, you can see if you’re pre-approved for card offers. It won’t affect your credit. And it only takes a few minutes. You could also compare other Capital One cards to see which other cards fit your lifestyle.