Capital One Quicksilver Cash Rewards Credit Card
vs. Discover it® Chrome

When considering the Capital One Quicksilver Cash Rewards Credit Card and Discover it Chrome, both cards have cash back rewards and lack annual fees. The Quicksilver edges ahead with its higher cash back rate on all purchases, making it the more rewarding choice overall.

Discover it Chrome's longer introductory APR period on balance transfers can be a significant advantage for those planning to transfer existing balances. While both cards are strong contenders, the Quicksilver's unlimited 1.5% cash back on all purchases offers consistent value that can quickly add up.

You might prefer the Quicksilver if you value a higher cash back rate on all purchases and a generous 0% intro APR period on purchases. Its straightforward rewards structure and low spending requirement for the welcome bonus make it a solid choice for everyday spending.

You might prefer the Discover it Chrome if your spending is concentrated on gas stations and restaurants, as it offers 2% cash back in these categories. The longer 0% intro APR period on balance transfers could also provide the extra time needed to manage existing debt.

Evaluating APRs, fees, credit requirements, rewards, introductory offers and other features will show which card aligns with your financial habits. For instance, if you frequently dine out or drive, Discover it Chrome's gas and restaurant rewards might appeal to you, while Quicksilver's flat-rate cash back could be more beneficial for varied spending.

The Quicksilver leads with a straightforward rewards program, offering an unlimited 1.5% cash back on all purchases. Additionally, the 5% cash back on hotels and rental cars booked through Capital One Travel adds value for frequent travelers.

While the Discover it Chrome doesn't match the Quicksilver's overall rewards rate, it does offer a compelling 2% cash back at gas stations and restaurants, up to $1,000 in combined purchases each quarter. This could be more beneficial for those who spend heavily in these categories.

Please refer to the table below for a detailed comparison of the bonus categories for each card.

Both the Quicksilver and Discover it Chrome offer flexible redemption options. With Quicksilver, you can redeem your cash back for statement credits, checks or gift cards, and you can do so at any amount and any time. You can set up automatic redemptions either annually or when you hit a certain threshold. Discover it Chrome also has flexible redemptions, including as a gift card, donation, account credit, direct deposit, or for Amazon purchases and PayPal. Plus, Discover's cash back match after the first year can increase your rewards. Neither card imposes an expiration date on rewards, as long as your account remains open.

MoneyGeek evaluates credit cards like Quicksilver and Discover it Chrome using a tailored scoring system for various use cases. Factors influencing these scores include the effective reward rate, introductory purchase offers, regular APR and issuer satisfaction.

These factors are weighted differently depending on the card's primary use, ensuring a comprehensive assessment. This methodology helps determine which card may best suit your financial habits and goals.