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The Capital One Quicksilver Cash Rewards Credit Card and Savor Cash Rewards Credit Card are solid options for anyone looking to make the most of their purchases with a cash-back credit card.
These cards are similar in many ways: They both have a generous welcome bonus, 0% intro APR, and no annual fees. But there’s a big difference in how you’ll earn rewards. Here’s everything you need to know to decide which is best for your spending.
Capital One Quicksilver vs. Savor overview
Annual fee
Both the Quicksilver and Savor cards from Capital One carry no annual fee, so either will cost you $0 as a cardholder.
These cards also charge no foreign transaction fees, so you don’t have to worry about extra costs when you make a purchase abroad. Late payments could carry fees up to $40.
Winner: It’s a toss-up
Introductory APR
You can use the introductory 0% APR offered to new Savor and Quicksilver cardholders to finance your purchases over the first year or help pay down existing credit card debt.
Both cards have a 0% introductory APR for 15 months on new purchases and balance transfers. They currently have the same ongoing variable APR of 19.24% - 29.24%, too, which will apply to any balances you carry after the intro period expires.
If you choose to transfer an existing balance within the first 15 months, you’ll pay an introductory balance transfer fee of 3%. Balance transfers you make after the introductory period will have a 4% fee.
Read more: Best balance transfer credit cards
Winner: It’s a toss-up
Welcome bonus
You’ll also get the same welcome bonus when you open the Savor or Quicksilver cards.
You can earn a $200 cash bonus after spending just $500 in the first three months. That’s equal to about $167 per month in spending. Compared to similar cash-back credit cards with no annual fee, a $200 sign-up bonus is a solid offer, and can help you jumpstart your first-year rewards earnings.
Winner: It’s a toss-up
Rewards
The biggest difference between the Savor Card and the Quicksilver Card is their rewards.
The Savor card has several tiered bonus categories, ranging from 3% to 8% cash back on different purchases:
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8% cash back on Capital One Entertainment purchases
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5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
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3% cash back at grocery stores (not including superstores like Walmart and Target)
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3% cash back on dining
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3% cash back on entertainment
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3% cash back on popular streaming services
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1% cash back on all other purchases
Not only are there many different categories in which you can earn rewards, but these categories are also pretty broad. For example, the 3% entertainment category covers movie and concert tickets, sporting events, amusement parks, museums, tourist attractions, and more. If you spend regularly across these eligible categories, you could save a lot with the Savor Card each year.
Based on average American spending data from the Bureau of Labor Statistics, we estimate this card’s annual rewards value at $447.38.
The Quicksilver Card, by contrast, offers straightforward cash back on all purchases, making it easy to earn rewards without tracking categories. You’ll get 5% cash back on hotels and rental cars booked through Capital One Travel (just like the Savor), and all other purchases earn 1.5% cash back.
If your regular spending doesn’t fall into common rewards categories, you may get more value from this flat rewards structure. Still, based on the same average spending data, our estimated annual rewards value is lower, at $344.88 for American cardholders.
For redemptions, you can redeem cash back for statement credits, a check, toward a recent purchase, gift cards, and more. You can redeem your rewards in any amount and there’s no limit to how much cash back you can earn.
Winner: Capital One Savor
Other benefits
Once again, you’ll find the Capital One Quicksilver and Capital One Savor generally share the same added benefits. These perks aren’t the most valuable features from either card, but you can get some extra advantages.
Through Capital One Entertainment and Capital One Dining, both cards can help you gain access to cardholder-only reservations, experiences, and presales. There’s also a concierge service available to cardholders 24/7.
Protections include travel assistance services if your card is lost or stolen, travel accident insurance when you use your card to book, extended warranty on eligible purchases, $0 fraud liability, purchase notifications, and more.
Related: How credit card travel insurance works
Winner: It’s a toss-up
Should I get the Capital One Quicksilver Cash Rewards Credit Card?
The Quicksilver card is ideal for those who prefer straightforward cash-back rewards without the need to track specific spending categories or pay an annual fee. With 1.5% cash back on every purchase you make, you can guarantee you’re maximizing every dollar you spend in-store and online.
Over the first year, you’ll gain even more value from the Capital One Quicksilver’s cash welcome bonus and introductory 0% APR. Like the Savor, this card doesn’t charge any foreign transaction fees — which can make it a good way to earn the same 1.5% on every purchase when you travel.
The potential drawback of the Quicksilver card is the value you may be forfeiting elsewhere. If your most common purchases are groceries, gas, dining, or another common rewards category, you could stand to earn a greater sum of cash back with a card that earns higher rewards on that spending. But if you don’t mind giving up that potential value to keep your credit card rewards simplified, the Quicksilver makes a reliable everyday card choice.
- Annual fee$0
- Welcome offerEarn a $200 cash bonus after spending $500 within the first 3 months
- Purchase APR19.24% - 29.24% variable
- Introductory APR0% intro APR on purchases and balance transfers for 15 months, then variable 19.24% - 29.24% APR
- Recommended credit scoreGood, Excellent
- Rewards rate
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 1.5% cash back on all other purchases
- Benefits
- 0% intro APR on purchases and balance transfers for the first 15 months
- No foreign transaction fees
Should I get the Capital One Savor Cash Rewards Credit Card?
The Savor card is perfect for those who spend significantly on dining, streaming services, and entertainment each month, since it offers higher reward rates in those categories. It can also help you save on your everyday grocery shopping. Each of these categories earns 3% cash back, which is impressive for a no-annual-fee card.
While the only travel rewards you’ll get are on hotels and rental cars booked through Capital One Travel, the Savor card can also be a good choice for traveling. You’ll save when you eat at restaurants on your trips, and the broad entertainment category covers common travel expenses like museum tickets and tourist attractions. Plus, it has no foreign transaction fees on purchases made abroad.
With a solid cash welcome bonus and intro 0% APR, it’s easy to get plenty of value from the Savor card during your first year.
Long-term, the best way to judge if the Capital One Savor is right for you is by looking at your own spending over the past several months. If the card’s rewards categories align with your budget, it may be the right pick to help you get some money back on your most frequent purchases. Otherwise, you may want to look at other cash-back cards that are better fit for your spending habits.
- Annual fee$0
- Welcome offerEarn $200 cash back after spending $500 on purchases in the first 3 months
- Purchase APR19.24% - 29.24% variable
- Introductory APR0% intro APR on purchases and balance transfers for 15 months, then variable 19.24% - 29.24% APR
- Recommended credit scoreGood, Excellent
- Rewards rate
- 8% cash back on Capital One Entertainment purchases
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target)
- 1% cash back on all other purchases
- Benefits
- Get a 0% APR on purchases and balance transfers for the first 15 months
- No foreign transaction fees
Should I get both cards?
Since their rewards differ so much, you may benefit from having both the Capital One Savor and Capital One Quicksilver in your wallet.
Say you use the Savor card for groceries, dining, entertainment, and popular streaming services to maximize cash back in those categories. If you use the Quicksilver card for all other purchases, you earn a minimum 1.5% on everything you buy. Both cards earn cash back, so redeeming your rewards would remain the same.
However, because these cards are so similar when it comes to their other benefits, you could be missing out on potential value elsewhere. Both the Savor and Quicksilver cards have minimal added perks. Other cash-back cards might offer credits or discounts with partners to help you save more beyond rewards earnings.
If you do decide to apply for both cards, think about how you’ll time your applications. For one, it can help your credit score to avoid applying for multiple cards at once. But you can also take full advantage of the first-year cardholder benefits when you have more time to earn both cash welcome bonuses and use the 0% APR offers at different times.
Read more: Should you use one credit card for everything?
Other cards to consider
The Capital One Savor and Capital One Quicksilver are two great cash-back credit cards, but there are other solid rewards cards you may want to consider for your individual spending:
- Annual fee$95
- Welcome offerEarn 60,000 bonus points after spending $4,000 in the first 3 months — that's worth $750 when redeemed through Chase Travel℠
- Ongoing Purchases APR20.49% - 27.49% Variable
- Recommended credit scoreExcellent/Good
- Rewards rate
- 5x points on travel purchased through Chase Travel℠
- 3x points on dining, select streaming services, and online groceries
- 2x points on all other travel purchases
- 1x points on all other purchases
- Benefits
- Points are worth 25% more when you redeem for airfare, hotels, car rentals and cruises through Chase Travel
- Earn up to $50 in annual statement credits for hotel stays purchased through Chase Travel
- On every account anniversary, earn bonus points equal to 10% of your total purchases made the previous year
Why we like it: The Chase Sapphire Preferred Card is a travel credit card that offers rewards on both travel and everyday spending. There are plenty of ways to redeem the points you earn, but you’ll get a 25% boost when you use them to book travel through Chase Travel — making each point worth 1.25 cents each.
For its $95 annual fee, the Chase Sapphire Preferred also comes with some valuable benefits, including up to $50 in statement credits each anniversary year for hotels booked through Chase Travel, complimentary access to DashPass for at least 12 months (when you activate by Dec. 31, 2027), and more.
Read our full Chase Sapphire Preferred Card review.
- Annual fee$0
- Welcome offerEarn a $200 statement credit after spending $2,000 within the first 6 months
- Introductory Purchases APR0% on purchases for 15 months
- Ongoing Purchases APR18.24%-29.24% Variable
- Introductory Balance Transfer APR0% on balance transfers for 15 months
- Ongoing Balance Transfer APR18.24%-29.24% Variable
- Recommended credit scoreExcellent, Good
- Rewards rate
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
- 3% cash back on U.S. online retail purchases (on up to $6,000 per year in purchases, then 1%)
- 3% cash back at U.S. gas stations (on up to $6,000 per year in purchases, then 1%)
- 1% cash back on all other purchases
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout
- Benefits
- Generous intro APR on purchases and balance transfers
- Get a $7 monthly statement credit after spending $9.99 or more on a streaming subscription to the Disney Bundle, plus earn up to $15 in monthly statement credits after purchasing a Home Chef subscription
Why we like it: The Blue Cash Everyday Card from Amex is another no-annual-fee card (see rates & fees) that can help you save in bonus categories year after year. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
This card also has a competitive cash welcome bonus, an introductory 0% APR offer, and annual credits. These include $7 back in monthly statement credits when you spend at least $9.99 on an eligible auto-renewing Disney Bundle subscription (with enrollment) and up to $15 back in monthly statement credits on an auto-renewing Home Chef subscription (with enrollment).
Read our full review of the Blue Cash Everyday Card from American Express.
- Annual fee$0
- Welcome offerEarn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back
- Introductory Purchases APR0% Intro APR on Purchases for 15 months
- Ongoing Purchases APR19.49% - 28.24% Variable
- Introductory Balance Transfer APR0% Intro APR on Balance Transfers for 15 months
- Ongoing Balance Transfer APR19.49% - 28.24% Variable
- Recommended credit scoreExcellent/Good
- Rewards rate
- Enjoy 5% cash back on travel purchased through Chase Travel℠
- 3% cash back on drugstore purchases and dining at restaurants (includes takeout and eligible delivery service)
- 1.5% on all other purchases
- Benefits
- You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts
- Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more
- Generous intro APR on purchases and balance transfers
Why we like it: The Chase Freedom Unlimited combines the benefits of a tiered cash-back rewards card with flat cash-back rewards. Like the Quicksilver, you’ll earn a minimum 1.5% cash back on every purchase. But you can also earn 5% back on travel purchased through Chase Travel, 3% back on drugstore purchases, and 3% back on dining.
This card also comes with a great welcome offer, an introductory 0% APR, and flexible redemption options for the rewards you earn.
Read our full Chase Freedom Unlimited review.
This article was edited by Kendall Little
Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn't include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.
