Both the Capital One Quicksilver Cash Rewards Credit Card and the BankAmericard® Credit Card offer no annual fee and attractive introductory APRs. The Quicksilver is better for cash back, providing 1.5% on all purchases. The BankAmericard is better for balance transfers with its longer 0% APR period.
Capital One Quicksilver Cash Rewards Credit Card
vs. BankAmericard® Credit Card
Updated: August 8, 2024
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Capital One Quicksilver Cash Rewards Credit Card
BankAmericard® Credit Card
MoneyGeek Rating
4.5/ of 5
On Issuer's Site
On Issuer's Site
Which Card Is Better for You?
You might prefer the Quicksilver if you want a card with unlimited 1.5% cash back on all purchases and a $200 cash bonus after meeting the spending requirement. It also saves you money on international transactions with no foreign transaction fees.
You might prefer the BankAmericard if you need a longer 0% intro APR on purchases and balance transfers, which is great for managing debt or making large purchases. However, it doesn’t offer rewards.
Head-to-Head Comparison: Card Details and Features
Evaluating APRs, fees, credit requirements, rewards and other features will help you find the card that fits your needs. For example, if you want to transfer a balance, consider BankAmericard’s longer intro APR. If earning cash back is more important, the Quicksilver is the better choice.
Regular APR: BankAmericard
The BankAmericard has a lower starting APR of 16.24% compared to Quicksilver's 19.99%.
Annual Fee: Tie
The Quicksilver and the BankAmericard have no annual fees, making them great for saving on yearly costs.
Introductory 0% APRs: BankAmericard
The BankAmericard offers a longer introductory 0% APR of 18 billing cycles on purchases and balance transfers than Quicksilver's 15 months. Both cards charge a 3% balance transfer fee.
Rewards: Quicksilver
The Quicksilver offers unlimited 1.5% cash back on all purchases and 5% cash back on hotels and rental cars booked via Capital One Travel. Rewards don't expire as long as the account remains open. The BankAmericard doesn't offer rewards.
Welcome Offers: Quicksilver
The Quicksilver gives a $200 cash bonus after the cardholder spends $500 within the first three months. The BankAmericard doesn't offer a welcome bonus.
Recommended Credit Score: Tie
The Quicksilver and the BankAmericard require good to excellent credit scores of 670–850. Neither card has an advantage here, as both are accessible within the same credit range.
Penalties and Fees: Quicksilver
The Quicksilver card has no foreign transaction fees, while the BankAmericard charges 3%. Both cards have a late fee of up to $40 and no penalty APR.
Issuer Satisfaction: BankAmericard
Customers rate Bank of America, BankAmericard's issuer, at 4.5. Capital One, Quicksilver's issuer, has a lower rating of 4.2.
Other Features and Perks: Tie
The Quicksilver offers up to six months of free Uber One membership, and the BankAmericard provides access to a free FICO® Score.
Methodology
MoneyGeek evaluates credit cards like the Quicksilver and the BankAmericard using a tailored scoring system for various use cases. This approach helps ensure the score reflects where the card offers the most value.
For cash back cards, we primarily consider the effective reward rate and the return on investment for offers. For balance transfer cards, we focus on the 0% introductory APR and the regular APR. We also consider factors like annual fees, issuer satisfaction and penalties. To better understand our process, you can review our ranking methodology.
FAQ: Quicksilver vs. BankAmericard Card
What are the rewards like for each card?
The Quicksilver offers 1.5% cash back on all purchases, making it one of the best cash back cards. The BankAmericard doesn't have a rewards program.
Is there an annual fee for either card?
The Quicksilver and the BankAmericard are no-annual-fee cards.
Which card is better for international travel?
The Quicksilver has no foreign transaction fees, which benefits frequent travelers.
Do both cards offer an introductory APR on purchases?
Both cards offer 0% introductory APR offers but with different durations. The BankAmericard provides 18 billing cycles, while the Quicksilver offers 15 months.
How do the balance transfer fees compare between the two cards?
Both cards charge a 3% balance transfer fee.
About Doug Milnes, CFA
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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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 CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com 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.