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

Both the Capital One Walmart Rewards® Mastercard® and the Capital One QuicksilverOne Cash Rewards Credit Card cater to individuals with fair to good credit, offering cash back rewards without a high credit threshold. If you're a frequent Walmart shopper, the Walmart Card, a co-branded store card, may be the better choice due to its high cash back rates on Walmart.com.

However, the QuicksilverOne card's flat cash back rate on all purchases makes it a strong contender for those who value simplicity and flexibility.

While the Walmart Card edges out slightly in overall cash back score, the QuicksilverOne's potential for a higher credit line and its broader cash back program should not be overlooked.

You might prefer the Walmart Card if you're a frequent Walmart shopper. The card offers high cash back rates for purchases made on Walmart.com, including pickup and delivery, and in-store purchases when using Walmart Pay. With no annual fee and a potentially lower APR, it's tailored for those who regularly shop at Walmart and want to maximize their rewards in this ecosystem.

You might prefer the QuicksilverOne if you value simplicity and flexibility in earning rewards. This card provides a flat cash back rate on all purchases, regardless of the category, and the opportunity for a higher credit line after six months. While there is an annual fee, the card also offers travel benefits and free credit tracking, making it a strong contender for those who value a straightforward rewards structure.

Evaluating APRs, fees, credit requirements, rewards and other features will clarify which card aligns with your financial habits. For example, frequent Walmart shoppers may lean toward the Walmart Card for its higher cash back rates on Walmart.com, while those seeking flat-rate rewards on all purchases might prefer the QuicksilverOne despite its annual fee.

The QuicksilverOne card simplifies the rewards process with a flat 1.5% cash back on all purchases. It offers an additional 5% back on hotels and rental cars booked through Capital One Travel. This makes it a solid choice for those who value a consistent reward rate across all spending categories and plan to utilize Capital One's travel portal.

However, the Walmart Card may be more rewarding for frequent Walmart shoppers. It offers 5% back on Walmart.com and a competitive 2% on in-store purchases, dining and travel.

While the QuicksilverOne is more straightforward, the Walmart Card could yield greater rewards for brand-loyal consumers. The Walmart Card's edge is its elevated rewards for online and in-store Walmart purchases, especially during the first 12 months with Walmart Pay. The QuicksilverOne maintains a slight advantage for general purchases with its 1.5% rate compared to the Walmart Card's 1%. The table below provides a detailed comparison of the bonus categories for each card.

The Walmart Card allows you to redeem your cash back in various ways, including purchases on Walmart.com. Rewards don't have expiration dates.

With QuicksilverOne, your cash back remains available as long as your account is active. You can redeem it for statement credits or gift cards at your convenience.

MoneyGeek analyzes credit cards like QuicksilverOne and the Walmart Card for various use cases. The highest scoring category for both cards is cash back. The most significant factors in determining these scores are the effective reward rate and the return on investment for offers. Other considerations include annual fees, introductory purchase offers and issuer satisfaction.