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

Updated: June 25, 2024

Advertising & Editorial Disclosure

Shield Insurance

MoneyGeek partners with leading industry experts and advertisers to help you get to your financial happy place. Our content is accurate when posted but offers may change over time. We may receive compensation for partner advertisements, but our editorial team independently reviews and ranks products. Learn more about our editorial policies.

Both the Capital One Walmart Rewards® Mastercard® and the Capital One QuicksilverOne Cash Rewards Credit Card cater to individuals with fair to good credit, offering cash back rewards without a high credit threshold. If you're a frequent Walmart shopper, the Walmart Card, a co-branded store card, may be the better choice due to its high cash back rates on

However, the QuicksilverOne card's flat cash back rate on all purchases makes it a strong contender for those who value simplicity and flexibility.

While the Walmart Card edges out slightly in overall cash back score, the QuicksilverOne's potential for a higher credit line and its broader cash back program should not be overlooked.

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

  • Regular APR
    19.48%, 19.48%, or 29.99% variable
    29.99% variable
    0% APR Offer
    Intro Offer
    Earn 5% Cash Back
    No current offer
    Rewards Summary
    1.5% on everyday purchases and 5% cash back on hotels and rental cars booked through Capital One Travel.
    Balance Transfer Offer
    Balance Transfer Fee
    3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you
    4% 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
    580-740 (Fair to Good)
    580-740 (Fair to Good)
    Penalty APR
    Not sure?

Which Card Is Better for You?

You might prefer the Walmart Card if you're a frequent Walmart shopper. The card offers high cash back rates for purchases made on, including pickup and delivery, and in-store purchases when using Walmart Pay. With no annual fee and a potentially lower APR, it's tailored for those who regularly shop at Walmart and want to maximize their rewards in this ecosystem.

You might prefer the QuicksilverOne if you value simplicity and flexibility in earning rewards. This card provides a flat cash back rate on all purchases, regardless of the category, and the opportunity for a higher credit line after six months. While there is an annual fee, the card also offers travel benefits and free credit tracking, making it a strong contender for those who value a straightforward rewards structure.

Head-to-Head Comparison: Card Details and Features

Evaluating APRs, fees, credit requirements, rewards and other features will clarify which card aligns with your financial habits. For example, frequent Walmart shoppers may lean toward the Walmart Card for its higher cash back rates on, while those seeking flat-rate rewards on all purchases might prefer the QuicksilverOne despite its annual fee.

    discount icon

    Regular APR: Walmart Card

    For regular APR, the Walmart Card is better. It offers rates as low as 19.48% variable compared to the QuicksilverOne's consistent 29.99% variable APR.

    annualFee icon

    Annual Fee: Walmart Card

    The Walmart Card is better for avoiding annual fees, with a $0 annual fee compared to QuicksilverOne's $39 annual fee.

    lowInterestAPR icon

    Introductory 0% APRs: Tie

    Neither the Walmart Card nor the QuicksilverOne card offers an introductory 0% APR on purchases or balance transfers. For those prioritizing an introductory 0% APR, consider exploring other options.

    coins icon

    Rewards: Walmart Card

    For rewards, the Walmart Card outshines with 5% cash back on, including pickup and delivery, and 2% back on Walmart store purchases, among other categories. It's tailored for frequent Walmart shoppers. The QuicksilverOne offers a straightforward 1.5% back on all purchases and 5% on travel booked through Capital One, making it versatile for general use.

    rewards icon

    Welcome Offers: Walmart Card

    The Walmart Card is better for welcome offers, providing a specific benefit of earning 5% cash back on purchases in Walmart stores for the first 12 months when using Walmart Pay. The QuicksilverOne does not offer a welcome bonus.

    creditApproved icon

    Recommended Credit Score: Tie

    Both the Walmart Card and the QuicksilverOne cater to individuals with credit scores ranging from 580 to 740, indicating a fair to good credit requirement. This makes them equally accessible in terms of credit score requirements.

    autopay icon

    Penalties and Fees: Walmart Card

    When comparing penalties and fees, the Walmart Card edges out slightly better. It has a slightly lower late fee of up to $39 compared to QuicksilverOne's up to $40. Additionally, the Walmart Card's cash advance fee is either $3 or 3% of the amount of each cash advance, whichever is greater, which is slightly more favorable than QuicksilverOne's fee structure.

    points icon

    Issuer Satisfaction: Tie

    Since both cards are issued by Capital One, they share the same issuer satisfaction rating of 4.2. This results in a tie for issuer satisfaction between the two cards.

    airplane icon

    Other Features & Perks: Tie

    Both cards offer unique perks. The Walmart Card offers $0 Fraud Liability, which protects you from unauthorized charges. QuicksilverOne includes benefits like complimentary Uber One membership credits. Each card caters to different spending habits and preferences.

Rewards Comparison

The QuicksilverOne card simplifies the rewards process with a flat 1.5% cash back on all purchases. It offers an additional 5% back on hotels and rental cars booked through Capital One Travel. This makes it a solid choice for those who value a consistent reward rate across all spending categories and plan to utilize Capital One's travel portal.

However, the Walmart Card may be more rewarding for frequent Walmart shoppers. It offers 5% back on and a competitive 2% on in-store purchases, dining and travel.

While the QuicksilverOne is more straightforward, the Walmart Card could yield greater rewards for brand-loyal consumers. The Walmart Card's edge is its elevated rewards for online and in-store Walmart purchases, especially during the first 12 months with Walmart Pay. The QuicksilverOne maintains a slight advantage for general purchases with its 1.5% rate compared to the Walmart Card's 1%. The table below provides a detailed comparison of the bonus categories for each card.

Walmart Card



5% if purchased through Capital One Travel/1.5%



Walmart stores, Murphy USA and Walmart fuel stations






All Other Purchases



Redeeming Rewards

The Walmart Card allows you to redeem your cash back in various ways, including purchases on Rewards don't have expiration dates.

With QuicksilverOne, your cash back remains available as long as your account is active. You can redeem it for statement credits or gift cards at your convenience.


MoneyGeek evaluates credit cards like QuicksilverOne and the Walmart Card for various use cases. The highest scoring category for both cards is cash back. The most significant factors in determining these scores are the effective reward rate and the return on investment for offers. Other considerations include annual fees, introductory purchase offers and issuer satisfaction. For a detailed understanding of our scoring process, you can review our ranking methodology.

FAQ: Walmart Card vs. QuicksilverOne

What are the annual fees for each card?
How do the cash back rewards differ between the two cards?
What are the APRs for these cards?
Can I increase my credit line with either card?
Are there any introductory offers available?

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.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with and for our coverage of credit card products. MoneyGeek, CardRatings and may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.