Capital One VentureOne vs. Quicksilver cards comparison

Capital One offers a range of credit cards that work for all types of travelers and all kinds of budgets. And those who want to avoid an annual fee while still accessing elevated benefits may want to consider VentureOne and Quicksilver cards. View important rates and disclosures.

When you start to compare the credit cards, you might notice a lot of similarities—aside from their rewards currency.

What you’ll learn:

• VentureOne is geared toward people looking for travel rewards.

• Quicksilver is an everyday cash back credit card.

• Venture and Quicksilver are generally for people with excellent credit levels.

• Venture and Quicksilver cards have similar bonuses, rates and fee structures.

Capital One Quicksilver and VentureOne have a lot in common. Both cards offer $0 annual fees, with the opportunity to earn generous bonuses and unlimited rewards. View important rates and disclosures. And they’re both designed for individuals with excellent credit levels, and they offer similar annual percentage rates (APRs). 

One area that sets the cards apart, however, is the type of rewards they offer. Quicksilver is a traditional cash back card, offering 1.5% cash back. On the other hand, VentureOne rewards come as miles, 1.25 miles per dollar. The table below gives you a quick comparison of the similarities and differences between the two cards.

VentureOne is ideal for those looking for a pure travel rewards credit card. Its generous rewards come in the form of miles, as opposed to cash back. With VentureOne, cardholders get 1.25 miles per dollar on all purchases and 5 miles per dollar on all hotels and rental cars booked through Capital One Travel. 

The card’s introductory bonus is geared toward travel rewards as well. New cardholders can earn 20,000 bonus miles by spending $500 within three months of opening their account. 

Another big advantage of VentureOne is the flexibility to redeem miles toward past or future travels.

• You can use your miles to cover recent travel purchases, including vacation and car rentals, airline tickets, hotel stays and more.

• You can transfer your miles to travel loyalty programs.

• You can use your miles, your card or both to pay for bookings through Capital One Travel.

Instead of focusing all its rewards on travel, the Capital One Quicksilver card is more of a traditional cash back credit card. It also keeps things simple, with 1.5% cash back on all purchases across the board, regardless of category. You have the flexibility to choose how to receive your cash back rewards—whether it’s statement credits, gift cards or even travel purchases. 

Though Quicksilver isn’t technically a travel rewards credit card, it can be helpful for travelers who want to use their rewards on Capital One Travel to help defray travel costs such as flights and meals. It’s one more way that cash back rewards keep things simple and flexible.

Though VentureOne and Quicksilver are two distinctly different Capital One credit cards, they do share many similarities. View important rates and disclosures. 

• Neither VentureOne nor Quicksilver have foreign transaction fees.

• Both VentureOne and Quicksilver offer introductory rates.

• Both VentureOne and Quicksilver allow cardholders to check out with rewards at places like Amazon.com and with PayPal.

• Both VentureOne and Quicksilver have flexible redemption options, including redeeming rewards for cash and gift cards. 

Other similarities include no annual fee for either card, no expiration date on rewards, and both require excellent credit to get approved.

It may be unsatisfying, but the answer to the question “Which is better: Capital One Quicksilver or VentureOne?” is “It depends on what you’re looking for.” 

Are you interested in a true travel rewards credit card? If so, VentureOne might be the card for you. Are you looking for a traditional cash back card that just so happens to have travel perks? Then Quicksilver may be a better fit. When evaluating which card is better for you, you might first decide whether you prefer miles or cash back rewards. With so many similarities, that’s what this comparison may come down to.

While the VentureOne and Quicksilver cards share many similarities, ultimately the difference between the two cards comes down to rewards. 

• VentureOne is a travel rewards credit card: Cardholders earn 1.25 miles per dollar on purchases and 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

• Quicksilver is a cash back credit card: Cardholders earn 1.5% cash back on all purchases and 5% cash back on hotels and rental cars booked through Capital One Travel.