Capital One Quicksilver Cash Rewards Credit Card
vs. Capital One Walmart Rewards® Mastercard®

Updated: June 24, 2024

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Both the Capital One Quicksilver Cash Rewards Credit Card and the Capital One Walmart Rewards® Mastercard® offer enticing cash back rewards without an annual fee, making them strong contenders for your wallet. However, the Quicksilver edges ahead with its unlimited 1.5% cash back on all purchases and a lower welcome bonus threshold..

The Walmart Card is a store card that could be particularly rewarding for frequent Walmart shoppers, offering higher cash back rates on With its more accessible credit score requirement, those with lower credit scores shouldn't overlook the Walmart Card.

Credit Card logo for Capital One Quicksilver Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Credit Card logo for Capital One Walmart Rewards® Mastercard®
Capital One Walmart Rewards® Mastercard®
MoneyGeek Rating
4.5/ of 5
MoneyGeek Rating
4.5/ of 5

  • Regular APR
    19.99% - 29.99% variable
    19.48%, 19.48%, or 29.99% variable
    0% APR Offer
    0% for 15 months on purchases
    Intro Offer
    Earn $200 Cash Back
    Earn 5% Cash Back
    Rewards Summary
    Earn unlimited 1.5% cash back
    Balance Transfer Offer
    0% for 15 months on balance transfers
    Balance Transfer Fee
    3% for the first 15 months
    3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you
    Annual Fee
    Recommended Credit
    670-850 (Good to Excellent)
    580-740 (Fair to Good)
    Penalty APR
    Not sure?

Which Card Is Better for You?

You might prefer the Quicksilver card if you value a simple rewards structure with a flat cash back rate on all purchases. Its introductory APR offer and higher cash back score make it a strong candidate for those with good to excellent credit who want a versatile card for everyday use.

You might prefer the Walmart Card if you frequently shop online at or in Walmart stores. The card's higher cash back rates in these categories can maximize your rewards, especially if your credit score is in the fair to good range and you're looking for a card with no annual fee.

Head-to-Head Comparison: Card Details and Features

Evaluating APRs, fees, credit requirements and rewards will clarify which card aligns with your financial habits. For example, frequent Walmart shoppers may lean towards the Walmart Card for higher rewards on online purchases, while those valuing a broad cash back program might prefer Quicksilver. Analyze the specifics to discern which card complements your spending and payment routines.

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    Regular APR: Walmart Card

    The Walmart Card offers a slightly better APR, with its lower limit starting at 19.48%, compared to Quicksilver's 19.99%. Both cards cap their APR at 29.99%.

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    Annual Fee: Tie

    Both the Quicksilver card and the Walmart Card have no annual fee, making them equally attractive for users looking to avoid extra costs.

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    Introductory 0% APRs: Quicksilver

    The Quicksilver card is the better choice for those seeking an introductory 0% APR offer. It offers 0% APR for 15 months on both purchases and balance transfers, with a 3% fee for balance transfers during this period. The Walmart Card does not offer any introductory 0% APR benefits.

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    Rewards: Tie

    The best card for rewards depends on your spending habits. Quicksilver offers a flat 1.5% cash back on all purchases and 5% on travel booked through Capital One. The Walmart Card provides 5% back on, 2% on Walmart stores, fuel stations, restaurants and travel and 1% on all other purchases. Quicksilver may be preferable for general spending, but frequent Walmart shoppers can earn more with the Walmart Card.

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    Welcome Offers: Quicksilver

    The Quicksilver card offers a more advantageous welcome bonus, providing a $200 cash bonus after a $500 spend within three months, translating to a higher return on investment than the Walmart Card's 5% cash back on Walmart purchases with Walmart Pay for the first 12 months.

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    Recommended Credit Score: Walmart Card

    The Walmart Card is more accessible, requiring a credit score of 580 to 740 (fair to good) compared to the Quicksilver's 670 to 850 (good to excellent) range.

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    Penalties and Fees: Walmart Card

    The Walmart Card is slightly better for penalties and fees, with a late fee of up to $39 and a cash advance fee of 3% or $3, whichever is greater. Quicksilver charges a late fee of $40 and a cash advance fee of 5% or $5.

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    Issuer Satisfaction: Tie

    Since both the Quicksilver and Walmart Card are issued by Capital One, they share the same issuer satisfaction rating of 4.2. This results in a tie for issuer satisfaction.

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    Other Features & Perks: Tie

    Both cards offer unique perks. Quicksilver provides up to six months of complimentary Uber One membership. The Walmart Card offers $0 Fraud Liability and no foreign transaction fees, making it a strong contender for travelers. Each card caters to different needs, making this a tie.

Rewards Comparison

The Quicksilver card is the standout for everyday spending, with its flat 1.5% cash back on all purchases. It's simple and consistent, making it a solid choice for those who prefer a no-fuss rewards program. Additionally, the 5% cash back on hotels and rental cars booked through Capital One Travel adds value for frequent travelers.

On the other hand, the Walmart Card offers 5% cash back on, including pickup and delivery, which is better for regular Walmart shoppers. While its 2% cash back on Walmart in-store purchases, Murphy USA and Walmart fuel stations, dining and travel is competitive, the 1% cash back on all other purchases is less attractive than the Quicksilver's flat rate.

Below is a table of bonus categories to help you compare the rewards programs of both cards at a glance.

Walmart Card


5% if booked through Capital One Travel/1.5% all other

2% Purchases



Walmart In-Store Purchases






All Other Purchases



Redeeming Rewards

The Quicksilver allows redemption through statement credits, checks and gift cards, with options for automatic redemption and no minimum amount required.

The Walmart Card offers redemption for cash back, statement credits and purchases on, among others. Note that it lacks specific details on redemption thresholds or automatic options.

Neither card imposes expiration on rewards, ensuring the value you earn remains available as long as your account is active.


MoneyGeek evaluates credit cards like Quicksilver and the Walmart Card using a tailored scoring system for various use cases. In this comparison, both cards are assessed based on their performance in the cash back category.

The most significant factors in this score are the effective reward rate and the return on investment for offers. These elements, along with other considerations such as fees and APRs, contribute to a comprehensive score that reflects the card's value in everyday use. For a deeper understanding of our scoring process, you can explore our ranking methodology.

FAQ: Quicksilver vs. Walmart Card

What are the credit requirements for each card?
Does the Quicksilver card offer a 0% introductory APR?
What are the cash back rewards for the Walmart Card?
Are there annual fees for either card?
Can I earn rewards on travel with both cards?

About Doug Milnes, CFA

Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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