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

Both the Capital One Savor Cash Rewards Credit Card and the Capital One QuicksilverOne Cash Rewards Credit Card offer appealing cash back rewards, but they cater to different types of spenders. The Savor is the superior choice if you frequently dine out or spend on entertainment, offering a higher cash back rate in these categories.

However, the QuicksilverOne should not be overlooked, especially for individuals with fair to good credit, because it provides a flat cash back rate on all purchases and a lower barrier to entry. The Savor's generous sign-up bonus and higher dining rewards make it a standout option for those who can maximize these benefits.

You might prefer the Savor if you frequently dine out, enjoy entertainment and subscribe to streaming services. The Savor card rewards these specific categories generously, making it a potentially lucrative option if you have higher spending in these areas, despite its higher annual fee.

You might prefer the QuicksilverOne if you value simplicity in rewards and have a fair to good credit score. This card offers a flat cash back rate on all purchases, which can be especially appealing if your spending is spread across various categories. Additionally, the lower annual fee and potential for a credit line increase make it an attractive option for building credit.

Evaluating APRs, fees, credit requirements, rewards and other features will clarify which card aligns with your financial habits. For instance, if you frequently dine out, Savor's higher cash back rate on dining could outweigh its annual fee. Conversely, QuicksilverOne's lower annual fee and flat-rate cash back on all purchases might suit a more varied spending pattern.

The Savor edges out with a higher rewards rate in specific categories, particularly dining and entertainment, where it offers 4% cash back. It's also strong in the grocery category with a 3% return. This card is tailored for those who spend more in these areas and can justify the $95 annual fee with their rewards earnings.

On the other hand, the QuicksilverOne is a solid contender for consistent earners across all purchases, providing an unlimited 1.5% cash back. It stands out with its travel benefits, offering 5% back on hotels and rental cars booked through Capital One Travel. With a lower annual fee of $39, it's a good fit for those who value simplicity and travel perks.

The table will help you compare the rewards programs of both cards at a glance.

Both the QuicksilverOne and Savor cards offer non-expiring cash back, ensuring your rewards are available as long as your account is open. The QuicksilverOne keeps it simple with no limits on how much cash back you can earn or redeem. On the other hand, the Savor card allows you to redeem your cash back as either a check or a statement credit, providing a bit more flexibility in how you use your rewards.

MoneyGeek evaluates credit cards like the Savor and QuicksilverOne using a detailed ranking process. Each card is scored for various use cases, such as cash back and dining rewards, with the highest score indicating the card's strongest area.

For the QuicksilverOne, the cash back rewards are the standout feature, while the Savor card is most notable for its dining rewards. The most influential factors in these scores include the effective reward rate and the annual fee for cash back, and the effective reward rate and introductory purchase offers for dining. For a deeper understanding of our scoring system, feel free to read our ranking methodology.