Capital One Savor Cash Rewards Credit Card
vs. Capital One Quicksilver Cash Rewards Credit Card

The Capital One® Savor® Cash Rewards Credit Card and the Capital One Quicksilver Cash Rewards Credit Card both offer appealing cash back rewards, making them strong contenders if you’re looking to maximize returns on your spending.

The Quicksilver edges ahead with its slightly higher cash back score and the added perk of a 0% introductory APR period, making it the more versatile option for a broader range of users. But the Savor's higher cash back rates on specific categories like dining and entertainment make it a strong candidate if you spend heavily in these areas.

You might prefer the Quicksilver if you value simplicity and flexibility in your credit card rewards. With a flat 1.5% cash back on all purchases and no annual fee, it's a straightforward choice for consistent savings on your everyday spending. Additionally, the introductory APR offer can provide valuable breathing room for new purchases or balance transfers.

You might prefer the Capital One Savor Cash Rewards Credit Card if your spending is concentrated in the dining, entertainment and grocery categories. The higher cash back rates in these areas can offset the $95 annual fee, especially if these are your main expenses. This card is tailored for you if you want to maximize their rewards in specific spending areas.

Evaluating features like APRs, fees, credit requirements, rewards and introductory offers will clarify which card is for you. For example, if avoiding annual fees is a priority, The Quicksilver stands out, whereas the Savor may appeal if you spend heavily on dining and entertainment.

The Savor outperforms with its 4% cash back on dining and entertainment, appealing if you frequently spend in these areas. It also offers a competitive 3% back at grocery stores.

The Quicksilver's strength lies in its simplicity, providing a flat 1.5% cash back on all purchases without the need to track specific categories. While it doesn't offer the same high rewards rate on dining and entertainment as the Savor card, it is a straightforward choice if you value ease over maximizing category bonuses.

The table of bonus categories helps you compare the rewards programs of both cards at a glance.

With the Quicksilver, you have the flexibility to redeem cash back for statement credits, checks or gift cards, and there's no minimum redemption amount. You can also set up automatic redemptions, either at a specific time each year or once you hit a certain threshold.

The Savor card also allows redemption for cash back via check or statement credit. Neither card imposes an expiration on rewards as long as your account remains open, ensuring the cash back you earn is yours to use whenever you choose.

MoneyGeek evaluates credit cards like Quicksilver and Savor using a tailored scoring system for various use cases. This approach ensures that the score reflects the card's performance in the scenario where it provides the most value.

For cash back cards, the primary factors we consider are the effective reward rate and the return on investment for offers. These elements — along with annual fees, introductory purchase rates and issuer satisfaction — contribute to a card's overall score. For a detailed understanding of our process, you can review our ranking methodology.