Capital One Quicksilver Cash Rewards Credit Card
vs. Capital One Savor Cash Rewards Credit Card

Both the Capital One Quicksilver Cash Rewards Credit Card and the Capital One Savor Cash Rewards Credit Card offer enticing cash back rewards and share similar benefits like no annual fee and introductory APR offers. But the Savor Cash edges ahead with a higher cash back rate on dining, entertainment, and groceries, making it the superior choice if you spend frequently in these categories.

But the Quicksilver card's appeal lies in its simplicity, offering a flat cash back rate on all purchases, which could be beneficial if you prefer a no-fuss rewards structure.

You might prefer the Quicksilver if you value simplicity in your rewards program. With a flat 1.5% cash back on all purchases and a lower spending requirement to earn the welcome bonus, it's a straightforward choice for consistent earning potential across all spending categories.

You might prefer the Savor Cash if your spending is concentrated in dining, entertainment and grocery stores. With higher cash back rates in these categories, you can maximize your rewards where you spend the most.

Evaluating features like APRs, fees, credit requirements, rewards and introductory offers will clarify which card is for you. For instance, if dining out is frequent, the Savor Cash's higher cash back on restaurants may appeal more than the Quicksilver's flat rate on all purchases.

The Savor Cash edges out the Quicksilver in rewards race, especially if you spend heavily on dining, entertainment and groceries. With a higher expected reward value and percentage, the Savor Cash offers 3% cash back in these categories, compared with the Quicksilver's flat 1.5% rate on all purchases. While the Quicksilver is consistent across the board, the Savor Cash rewards foodies and entertainment enthusiasts more generously.

The Quicksilver's most compelling feature is its simplicity: a solid 1.5% cash back on everything, with no categories to track. It's a straightforward, no-fuss option. However, if you spend more in the Savor Cash's bonus categories, the potential rewards are more lucrative.

The bonus categories for each card are shown in the following table.

After accumulating rewards, cardholders of both Quicksilver and Savor Cash have similar redemption options, including statement credits and gift cards. Quicksilver allows for redemption at any amount, anytime, with automatic redemption settings available. Savor Cash also offers flexible redemptions, with the added possibility of transferring rewards between certain Capital One accounts. Neither card imposes expiration on rewards as long as the account remains open, ensuring the value you earn remains accessible.

MoneyGeek evaluates credit cards like Quicksilver and Savor Cash through a ranking process that considers multiple use cases. For this comparison, both cards are assessed based on their highest-scoring use case, which is cash back. The largest factors influencing their scores include the effective reward rate, which carries the most weight, and the return on investment for offers. This approach ensures that you can make an informed decision about which card aligns best with your financial habits and goals.