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John Kiernan, Credit Card Editor
Sep 16, 2024Fact checked
THE WINNER
Capital One Savor Cash Rewards Credit Card*
EDITOR'S VIEW
- The Capital One Savor Cash Rewards Credit Card is better than the Capital One Quicksilver Cash Rewards Credit Card because of its high rewards rates on dining, entertainment, streaming services, and groceries.
- The two cards have identical WalletHub Ratings (4.2/5), but Capital One Savor offers more value overall, thanks to its bonus rewards.
- Capital One Quicksilver can still be a very good choice if you want straightforward rewards that don’t vary by category because it gives 5% cash back on hotel and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases.
- Capital One Quicksilver is the better card for saving on interest because it has a low introductory APR. It’s also less expensive to own, thanks to its $0 annual fee.
WalletHub's credit card comparisons and ratings are completely independent and not provided, commissioned, or endorsed by any issuer. WalletHub independently collected information for
some of the cards
on this page.Please note:Capital One Savor Cash Rewards Credit Cardmay no longer be available to new applicants.
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Capital One Savor vs. Capital One Quicksilver: Key Characteristics
winner
Capital One Savor Cash Rewards Credit Card*
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.8
Market Comparison
4.0
fees: 2.9
rewards: 4.2
cost: 4.6
Other Features: 0.0
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Capital One Quicksilver Cash Rewards Credit Card
Sponsored Card
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.6
Market Comparison
4.3
fees: 5.0
rewards: 5.0
cost: 4.3
APR: 3.8
Apply Now
user reviews
user reviews
WalletHub Rating
WalletHub Rating
4.2
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.8
Market Comparison
4.0
fees: 2.9
rewards: 4.2
cost: 4.6
Other Features: 0.0
4.2
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.6
Market Comparison
4.3
fees: 5.0
rewards: 5.0
cost: 4.3
APR: 3.8
credit card company
credit card company
Capital One
Capital One
Accepted credit scores
Accepted credit scores
Excellent, Good
Excellent, Good
annual fee
annual fee
$95
$0
purchase intro apr
purchase intro apr
Capital One Savor.Purchase Intro A.P.R. Not Offered
Capital One Quicksilver.Purchase Intro A.P.R. 0%for15 months
transfer intro apr
transfer intro apr
Capital One Savor.Transfer Intro A.P.R. Not Offered
Capital One Quicksilver.Transfer Intro A.P.R. 0% for 15 months|Transfer Fee: 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
regular apr
regular apr
19.99% - 29.99% (V)
19.99% - 29.99% (V)
bonus offer
bonus offer
$300
$200
rewards rate
rewards rate
Capital One Savor - Rewards Rate. 1 - 5% Cash Back
Capital One Quicksilver - Rewards Rate. 1.5 - 5% Cash Back
Capital One Savor vs. Capital One Quicksilver: Rewards
Capital One Savor is Capital One’s premium dining and entertainment rewards credit card, and it offers bonus rewards rates in certain categories – namely, dining, entertainment, streaming services, and grocery stores. Capital One Quicksilver, on the other hand, is an ideal cash back credit card for anyone looking for simple, straightforward, above-average rewards on every purchase they make.
Both cards ultimately go above and beyond the average rewards rate among cash back credit cards.Capital One Savor offers a slightly better signup bonus, however, giving $300.
winner
Capital One Savor Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
rewards Type
rewards Type
Cash Back
Cash Back
bonus offer
bonus offer
$300
$200
rewards rate
rewards rate
1 - 5% Cash Back
1.5 - 5% Cash Back
rewards details
rewards details
Capital One Savor - Rewards Details
- Earn a one-time $300 cash bonus after you spend $3,000 on purchases within the first 3 months from account opening
- Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
- Earn 8% cash back on Capital One Entertainment purchases.
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn.
Capital One Quicksilver - Rewards Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
Capital One Savor vs. Capital One Quicksilver: Interest Rates
Capital One Quicksilver wins this category, thanks its great 0% intro APR offers on purchases and balance transfers. Capital One Savor, on the other hand, has no special introductory APR offers. Both cards have high regular APRs.
Category Winner: Capital One Quicksilver
Purchase Interest Rates
Capital One Savor Cash Rewards Credit Card
winner
Capital One Quicksilver Cash Rewards Credit Card
purchase intro rate
purchase intro rate
Not Offered
0% for 15 months
regular apr
regular apr
19.99% - 29.99% (V)
19.99% - 29.99% (V)
Balance Transfer Interest Rates
Capital One Savor Cash Rewards Credit Card
winner
Capital One Quicksilver Cash Rewards Credit Card
Balance Transfer Intro APR
Balance Transfer Intro APR
Not Offered
0% for 15 months
regular apr
regular apr
19.99% - 29.99% (V)
19.99% - 29.99% (V)
balance transfer fee
balance transfer fee
$0
3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
Capital One Savor vs. Capital One Quicksilver: Fees
Quicksilver has a $0 annual fee, while Savor charges $95 annually. Since both cards are from Capital One, they share some similarities when it comes to other fees.
Neither has a foreign transaction fee. They also have identical late fees, along with identical fees on cash advances.
Given that their annual fees are the biggest difference between these cards’ fee structures, Quicksilver takes the win in this category.
Category Winner:Quicksilver
Capital One Savor vs. Capital One Quicksilver: Additional Info
Capital One Savor Cash Rewards Credit Card
winner
Capital One Quicksilver Cash Rewards Credit Card
foreign transaction fee
foreign transaction fee
$0
$0
cash advance apr
cash advance apr
29.99% (V)
29.99% (V)
cash advance fee
cash advance fee
5% (min $5)
5% (min $5)
grace period
grace period
25 days
25 days
Additional Info
Additional Info
Capital One Savor - Additional Info
- The Capital One Savor Cash Rewards Credit Card is no longer available to new applicants. Info about the card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
- No foreign transaction fees
- Capital One cardholders get access to premium experiences in dining, entertainment and more
Capital One Quicksilver - Additional Info
- $0 annual fee and no foreign transaction fees
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Capital One Savor vs. Capital One Quicksilver: Ratings
winner
Capital One Savor Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
user reviews
user reviews
(67)
(5,079)
EDITOR'S RATING
EDITOR'S RATING
5.0 / 5
4.4 / 5
WALLETHUB RATING
WALLETHUB RATING
4.2 / 5
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.8
Market Comparison
4.0
fees: 2.9
rewards: 4.2
cost: 4.6
Other Features: 0.0
4.2 / 5
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.6
Market Comparison
4.3
fees: 5.0
rewards: 5.0
cost: 4.3
APR: 3.8
BEST WHEN USED TO
BEST WHEN USED TO
Earn Rewards
Finance New Purchases
About the Author
John S Kiernan
Credit Card Editor
John Kiernan has covered the credit card industry for more than 15 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post, Fox News and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau.
Twitter Email Full Bio
Still not sure?
Check out other popular cards from our partners related to Capital One Savor Cash Rewards Credit Card and Capital One Quicksilver Cash Rewards Credit Card.
Capital One SavorOne Cash Rewards Credit Card
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.8
User Reviews
3.6
Market Comparison
4.2
fees: 5.0
rewards: 3.9
cost: 4.5
Other Features: 0.0
Purchase Intro APR→0%for15 months
Transfer Intro APR→0% for 15 months|Transfer Fee: 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
Regular APR→19.99% - 29.99% (V)
Purchase Intro APR
0%for15 months
Transfer Intro APR
0% for 15 months|Transfer Fee: 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
Regular APR
19.99% - 29.99% (V)
annual fee
$0
rewards rate
1 - 8% Cash Back
Bonus Offer
$200
Bonus Offer
$200
accepted credit
Excellent Credit, Good Credit
Pros
- Earn $200 initial bonus
- High rewards rate
- $0 annual fee
- 0% intro APR on purchases and balance transfers
Cons
- High regular APR
- Balance transfer fee
- Requires good/excellent credit
Rewards Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
Additional Info
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
Pros, Cons, & Details
Chase Freedom Unlimited®
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.6
Market Comparison
4.0
fees: 3.8
rewards: 3.4
cost: 4.7
Other Features: 0.0
Purchase Intro APR→0%for15 months
Transfer Intro APR→0% for 15 months|Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR→20.49% - 29.24% (V)
Purchase Intro APR
0%for15 months
Transfer Intro APR
0% for 15 months|Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
20.49% - 29.24% (V)
annual fee
$0
rewards rate
1.5 - 5% Cash Back
accepted credit
Excellent Credit, Good Credit
Pros
- Earn rate: 1.5 - 5% cash back
- 0% for 15 months on purchases and balance transfers
- $0 annual fee
Cons
- Balance transfer fee
- Foreign transaction fee
- Potential for a high regular APR
Rewards Details
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Additional Info
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Pros, Cons, & Details
Questions & Answers
Comparing credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.
Most Popular
75
Upvotes
What are the best Capital One Quicksilver credit card benefits?
Reply
75
9
Chip Lupo, Credit Card Writer
@CLoop
The best Capital One Quicksilver benefits are rental car insurance and extended warranty. The Capital One Quicksilver Cash Rewards Credit Card also has identity theft protection and $0 fraud liability, which are more common perks across Capital One credit cards. For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Capital One Quicksilver Benefits
- Extended warranty*
- Identity theft protection
- $0 fraud liability
- Price protection*
- Roadside assistance*
- Rental car insurance*
- Concierge services
- Virtual card numbers
* Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details
In addition to these benefits, the Capital One Quicksilver comes with a $0 annual fee and offers rewards on all purchases. If you have good credit, the Capital One Quicksilver Cash Rewards Credit Card is certainly a card to consider adding to your wallet.
3
Upvotes
What are the Capital One Savor benefits?
Reply
3
James bronzz, WalletHub Analyst
@jbronz
Capital One Savor benefits include a $300 initial bonus, generous ongoing rewards, travel insurance, extended warranty coverage and a $0 foreign transaction fee. Cardholders can also benefit from special savings through Uber & Uber Eats. You can learn more about the Savor Card's delicious benefits below.
Here are the Capital One Savor* benefits:
- Initial bonus: $300 for spending $3,000 in the first 3 months.
- Bonus cash back on various categories: You earn 5% cash back on hotels and rental cars booked through Capital One Travel, 4% cash back on dining, entertainment and popular streaming services, 3% back at grocery stores and 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases and 10% back on purchases made through Uber & Uber Eats).
- Foreign transaction fee: $0 fee on purchases...
show more
Upvotes
What Capital One card is better than Quicksilver?
Reply
Chip Lupo, Credit Card Writer
@CLoop
The Capital One Venture (see ) and Capital One Venture X (see ) cards are better than Quicksilver for people who like to travel, and the Capital One Savor cards are best for food and entertainment. Still, the Capital One Quicksilver Cash Rewards Credit Card (see ) is a very good option for people who want straightforward cash back rewards and no annual fee.
Capital One Cards That Are Better Than Quicksilver
Travel Rewards:Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
- Big Spenders:
Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card
- Dining & Entertainment:
Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
- Travel Rewards:
Capital One Venture Rewards Credit Card
- Big Spenders:
Capital One Venture X Rewards Credit Card
- Dining & Entertainment:
Capital One SavorOne Cash Rewards Credit Card
The right Capital One credit card for you will depend on your spending habits, the type...
show more
Upvotes
What's the difference between Capital One and Quicksilver?
Reply
Chip Lupo, Credit Card Writer
@CLoop
The difference between Capital One and Quicksilver is Capital One is a credit card company and Quicksilver is a brand name that some Capital One credit cards use. Capital One Quicksilver (see ) is a cash back card for people with good credit, while Capital One QuicksilverOne (see ) is a credit-building card with cash back rewards.
In addition, Capital One issues a student card and a secured card with the Quicksilver name, among other options. There are several other Capital One credit...
show more
6
Upvotes
What are the differences between the Capital One Savor and Capital One SavorOne cards?
Reply
6
2
Bogdan Roberts, Credit Cards Moderator
@bogdan_roberts
The biggest differences between the Capital One Savor* card and the Capital One SavorOne Cash Rewards Credit Card (see ) are that the former comes with more generous rewards while the latter has a $0 annual fee. Both cards require at least good credit for approval and feature a $0 foreign transaction fee. Which one you should get ultimately depends on how much you plan to charge to the card, especially on its bonus categories.
Capital One Savor* Card vs. Capital One SavorOne (see ) Card
| ... | Capital One Savor Card | Capital One SavorOne (see ) Card |
show more
1
1
Compare More
Capital One Savor Cash Rewards Credit Card
- Capital One Savor vs. Sapphire Reserve
Capital One Quicksilver Cash Rewards Credit Card
- Capital One Platinum vs. Quicksilver
- Chase Freedom Unlimited vs. Capital One Quicksilver
- Capital One VentureOne vs. Quicksilver
- Capital One Venture vs. Quicksilver
- Capital One Quicksilver vs. Citi Double Cash
Show More
More Resources
Choosing the right credit card can be a difficult task, especially with so many great options on the market. If you’re still feeling undecided, feel free to check out these additional resources.
- What Credit Card Should I Get?
- Capital One Savor Review
- Capital One Quicksilver Review
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Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsem*nt of the institution or professional by us or vice versa.
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* The information about the following cards has been independently collected by WalletHub: Capital One Savor Cash Rewards Credit Card.
