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

Updated: June 12, 2024

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Capital One SavorOne Cash Rewards Credit Card and the Capital One QuicksilverOne Cash Rewards Credit Card both offer appealing cash back rewards, but they cater to different credit ranges and spending preferences. The SavorOne Cash, with its higher cash back rate on dining and entertainment and a $0 annual fee, stands out for those with higher credit scores.

But the QuicksilverOne remains a strong contender for its broader credit range accessibility and the simplicity of earning cash back on all purchases. The SavorOne Cash's additional perks, such as the introductory offer and the lack of foreign transaction fees, make it the superior choice if you qualify.

Credit Card logo for Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
Credit Card logo for Capital One QuicksilverOne Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
MoneyGeek Rating
4.6/ of 5
MoneyGeek Rating
4.6/ of 5

  • Regular APR
    19.99% - 29.99% variable
    29.99% variable
    0% APR Offer
    0% for 15 months on purchases
    -
    Intro Offer
    Earn $200 Cash Back
    No current offer
    Rewards Summary
    Earn 1% to 8% cash back
    1.5% on everyday purchases and 5% cash back on hotels and rental cars booked through Capital One Travel.
    Balance Transfer Offer
    0% for 15 months on balance transfers
    -
    Balance Transfer Fee
    5% of each transfer ($5 minimum)
    4% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you.
    Annual Fee
    $0
    $39
    Recommended Credit
    670-850 (Good to Excellent)
    580-740 (Fair to Good)
    Penalty APR
    Up to 29.99% (variable)
    -
    Not sure?

Which Card Is Better for You?

You might prefer the QuicksilverOne if you value a straightforward rewards program with a flat cash back rate on all purchases. This card is particularly accessible if you have fair to good credit and are working towards improving it. The potential for a higher credit line after six months can be an added incentive for responsible card use.

You might prefer the Capital One SavorOne Cash Rewards Credit Card if you frequently spend on dining, entertainment, streaming services and groceries. With higher cash back rates in these categories and no annual fee, it's geared towards those who can leverage these benefits. The introductory 0% APR offer on purchases and balance transfers can also provide financial flexibility for new cardholders.

Head-to-Head Comparison: Card Details and Features

Evaluating the SavorOne Cash and QuicksilverOne cards side by side clarifies their distinct APRs, fees, credit requirements and rewards. This section empowers you to pinpoint which card aligns with you, whether you prioritize dining and entertainment rewards or a flat cash back rate on all purchases.

    discount icon

    Regular APR: SavorOne Cash

    The SavorOne Cash is if you’re seeking a potentially lower APR, with a range of 19.99% to 29.99% variable, compared with the QuicksilverOne's 29.99% variable APR.

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    Annual Fee: SavorOne Cash

    The SavorOne Cash is better for avoiding annual fees, with a $0 annual fee compared with the QuicksilverOne's $39 annual fee.

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    Introductory 0% APRs: SavorOne Cash

    The SavorOne Cash is better for individuals seeking introductory 0% APRs, offering 0% for 15 months on both purchases and balance transfers, with a 5% transfer fee. The QuicksilverOne does not provide any introductory 0% APR offers.

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    Rewards: SavorOne Cash

    The SavorOne Cash is better for rewards, offering 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases. It also provides 8% back on Capital One Entertainment and 5% on travel booked through Capital One. By contrast, the QuicksilverOne card offers a flat 1.5% back on all purchases and 5% on travel booked through Capital One.

    rewards icon

    Welcome Offers: SavorOne Cash

    The SavorOne is better for welcome offers, offering a $200 cash bonus after spending $500 in the first three months, unlike the QuicksilverOne, which has no current offer.

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    Recommended Credit Score: QuicksilverOne

    The QuicksilverOne is better suited for individuals with lower credit scores, requiring a range of 580 to 740 (fair to good), compared with the SavorOne Cash's 670 to 850 (good to excellent) range.

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    Penalties and Fees: Tie

    Both cards impose a late fee of up to $40. The QuicksilverOne has no penalty APR and a cash advance fee of either $5 or 5% of the amount, whichever is greater. The SavorOne Cash charges a penalty APR of up to 29.99% (variable) and a cash advance fee of either $10 or 5%, whichever is greater, but offers 0% foreign transaction fees. Given the trade-offs, this category results in a tie.

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    Issuer Satisfaction: Tie

    Because both cards are from Capital One, they have the same issuer satisfaction score.

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    Other Features & Perks: Tie

    Both cards offer unique perks. QuicksilverOne features complimentary Uber One membership credits, enhanced cash back on travel booked through Capital One, free credit monitoring and contactless payments. The SavorOne Cash provides a cash bonus, higher cash back on dining, entertainment, and streaming services, and special cash back rates on Uber and Uber Eats and Capital One Entertainment purchases.

Rewards Comparison

When it comes to rewards, the SavorOne Cash leads with a generous 3% cash back on dining, entertainment, popular streaming services and grocery store purchases, excluding superstores like Walmart and Target. It also offers a notable 8% cash back on Capital One Entertainment purchases. This makes it an attractive option if you spend frequently in these categories.

But the QuicksilverOne simplifies earning with a flat 1.5% cash back on all purchases. It's consistent across the board, which could be beneficial for those who prefer simplicity and have a diverse array of spending. Both cards offer 5% cash back on hotels and rental cars booked through Capital One Travel, ensuring travelers can benefit regardless of their choice.

The table details the bonus categories for both cards, allowing you to visually compare and decide.

Category
QuicksilverOne
SavorOne Cash

Dining

1.5%

3%

Entertainment

1.5%

3%

Streaming Services

1.5%

3%

Grocery Stores

1.5%

3%

Hotels and Rental Cars Booked Through Capital One Travel

5% if purchased through portal

5% if purchased through portal

Redeeming Rewards

Both the QuicksilverOne and SavorOne Cash cards offer flexibility and ease. With the QuicksilverOne, cash back is straightforward and does not expire, allowing for redemptions via statement credits or checks at any time.

But the SavorOne Cash not only provides similar redemption options but also includes gift cards and the ability to set automatic redemptions, ensuring rewards are used in a way that suits your lifestyle. Neither card imposes expiration on rewards, ensuring the value you earn remains available for use whenever you decide.

Methodology

MoneyGeek evaluates credit cards like the SavorOne Cash and QuicksilverOne based on their performance in 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.

FAQ: SavorOne Cash vs. QuicksilverOne

What are the annual fees for each card?
How do the cash back rewards differ between the two cards?
Is there a welcome offer for either card?
Do these cards offer an introductory APR on purchases or balance transfers?
Can I earn rewards on groceries 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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