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

Both the Capital One Quicksilver Cash Rewards Credit Card and the Capital One Walmart Rewards® Mastercard® offer enticing cash back rewards without an annual fee, making them strong contenders for your wallet. However, the Quicksilver edges ahead with its unlimited 1.5% cash back on all purchases and a lower welcome bonus threshold..

The Walmart Card is a store card that could be particularly rewarding for frequent Walmart shoppers, offering higher cash back rates on Walmart.com. With its more accessible credit score requirement, those with lower credit scores shouldn't overlook the Walmart Card.

You might prefer the Quicksilver card if you value a simple rewards structure with a flat cash back rate on all purchases. Its introductory APR offer and higher cash back score make it a strong candidate for those with good to excellent credit who want a versatile card for everyday use.

You might prefer the Walmart Card if you frequently shop online at Walmart.com or in Walmart stores. The card's higher cash back rates in these categories can maximize your rewards, especially if your credit score is in the fair to good range and you're looking for a card with no annual fee.

Evaluating APRs, fees, credit requirements and rewards will clarify which card aligns with your financial habits. For example, frequent Walmart shoppers may lean towards the Walmart Card for higher rewards on online purchases, while those valuing a broad cash back program might prefer Quicksilver. Analyze the specifics to discern which card complements your spending and payment routines.

The Quicksilver card is the standout for everyday spending, with its flat 1.5% cash back on all purchases. It's simple and consistent, making it a solid choice for those who prefer a no-fuss rewards program. Additionally, the 5% cash back on hotels and rental cars booked through Capital One Travel adds value for frequent travelers.

On the other hand, the Walmart Card offers 5% cash back on Walmart.com, including pickup and delivery, which is better for regular Walmart shoppers. While its 2% cash back on Walmart in-store purchases, Murphy USA and Walmart fuel stations, dining and travel is competitive, the 1% cash back on all other purchases is less attractive than the Quicksilver's flat rate.

Below is a table of bonus categories to help you compare the rewards programs of both cards at a glance.

The Quicksilver allows redemption through statement credits, checks and gift cards, with options for automatic redemption and no minimum amount required.

The Walmart Card offers redemption for cash back, statement credits and purchases on Walmart.com, among others. Note that it lacks specific details on redemption thresholds or automatic options.

Neither card imposes expiration on rewards, ensuring the value you earn remains available as long as your account is active.

MoneyGeek evaluates credit cards like Quicksilver and the Walmart Card using a tailored scoring system for various use cases. In this comparison, both cards are assessed based on their performance in the cash back category.

The most significant factors in this score are the effective reward rate and the return on investment for offers. These elements, along with other considerations such as fees and APRs, contribute to a comprehensive score that reflects the card's value in everyday use. For a deeper understanding of our scoring process, you can explore our ranking methodology.