Capital One SavorOne Cash Rewards Credit Card
vs. Capital One QuicksilverOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card and the Capital One QuicksilverOne Cash Rewards Credit Card both offer appealing cash back rewards, but they cater to different credit ranges and spending preferences. The SavorOne Cash, with its higher cash back rate on dining and entertainment and a $0 annual fee, stands out for those with higher credit scores.

But the QuicksilverOne remains a strong contender for its broader credit range accessibility and the simplicity of earning cash back on all purchases. The SavorOne Cash's additional perks, such as the introductory offer and the lack of foreign transaction fees, make it the superior choice if you qualify.

You might prefer the QuicksilverOne if you value a straightforward rewards program with a flat cash back rate on all purchases. This card is particularly accessible if you have fair to good credit and are working towards improving it. The potential for a higher credit line after six months can be an added incentive for responsible card use.

You might prefer the Capital One SavorOne Cash Rewards Credit Card if you frequently spend on dining, entertainment, streaming services and groceries. With higher cash back rates in these categories and no annual fee, it's geared towards those who can leverage these benefits. The introductory 0% APR offer on purchases and balance transfers can also provide financial flexibility for new cardholders.

Evaluating the SavorOne Cash and QuicksilverOne cards side by side clarifies their distinct APRs, fees, credit requirements and rewards. This section empowers you to pinpoint which card aligns with you, whether you prioritize dining and entertainment rewards or a flat cash back rate on all purchases.

When it comes to rewards, the SavorOne Cash leads with a generous 3% cash back on dining, entertainment, popular streaming services and grocery store purchases, excluding superstores like Walmart and Target. It also offers a notable 8% cash back on Capital One Entertainment purchases. This makes it an attractive option if you spend frequently in these categories.

But the QuicksilverOne simplifies earning with a flat 1.5% cash back on all purchases. It's consistent across the board, which could be beneficial for those who prefer simplicity and have a diverse array of spending. Both cards offer 5% cash back on hotels and rental cars booked through Capital One Travel, ensuring travelers can benefit regardless of their choice.

The table details the bonus categories for both cards, allowing you to visually compare and decide.

Both the QuicksilverOne and SavorOne Cash cards offer flexibility and ease. With the QuicksilverOne, cash back is straightforward and does not expire, allowing for redemptions via statement credits or checks at any time.

But the SavorOne Cash not only provides similar redemption options but also includes gift cards and the ability to set automatic redemptions, ensuring rewards are used in a way that suits your lifestyle. Neither card imposes expiration on rewards, ensuring the value you earn remains available for use whenever you decide.

MoneyGeek evaluates credit cards like the SavorOne Cash and QuicksilverOne based on their performance in various use cases. This approach ensures that the score reflects the card's performance in the scenario where it provides the most value.

For cash back cards, the primary factors we consider are the effective reward rate and the return on investment for offers. These elements — along with annual fees, introductory purchase rates and issuer satisfaction — contribute to a card's overall score. For a detailed understanding of our process, you can review our ranking methodology.