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Capital One SavorOne vs. Quicksilver: A Win for SavorOne

Capital One Quicksilver Cash Rewards Credit Card review Capital One SavorOne Cash Rewards Credit Card review
Capital One Quicksilver Cash Rewards Credit Card
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Key Information
Earn 1.5% cash back on all purchases and 5% back on hotels and rental cars booked through the Capital One Travel platform. $0 annual fee.
Capital One SavorOne Cash Rewards Credit Card
LEARN MORE on Bankrate's secure site
Key Information
Earn 3% cash back on dining purchases, entertainment, and popular streaming services. Earn 3% cash back at grocery stores, and earn 1% cash back on all other purchases. $0 annual fee.
KEY TAKEAWAYS
  • The Capital One Quicksilver Cash Rewards Credit Card offers 1.5% cash back on every purchase, while the Capital One SavorOne Cash Rewards Credit Card offers 3% cash back on select purchases and 1% back on all other purchases.
  • Redemption options are similar for SavorOne and Quicksilver cash rewards.
  • Both Capital One cards come with management, access, shopping and protection perks backed by Capital One.
  • The sign-up cash bonus is the same for both cards, creating an easy opportunity to earn $200 within the first three months.
SUMMARY

The Capital One Quicksilver Cash Rewards Credit Card requires excellent credit for approval and offers an easy-to-achieve welcome bonus, ongoing cash-back opportunities and all the perks associated with being a Capital One cardholder. It also has no annual fee.?

All of that can also be said for the Capital One SavorOne Cash Rewards Credit Card. So, which card is better for your wallet? We gathered the details to pit these two cards against each other to find out.?

Get all the details below, including:

  • Which card has the best fee structure and interest rates?
  • Which card offers the best cash bonus for new cardholders?
  • Which card offers the best opportunity for earning ongoing cash rewards?
  • Is there any difference in the eligibility requirements for these cards?

Capital One SavorOne Cash Rewards Credit Card vs Capital One Quicksilver Cash Rewards Credit Card: Which is better?

Overall, we’re making the call that the Capital One SavorOne Cash Rewards Credit Card slightly trumps the Capital One Quicksilver Cash Rewards Credit Card.?

However, these are both solid contenders in the cash-back credit card arena, and either one might serve your wallet well. You also have to consider your own spending habits, such as how much you shop at grocery stores or pay for streaming services, to make the call on which is the best credit card for you.

This table gives an overview of each card’s benefits and details.

? Capital One SavorOne Capital One Quicksilver
Best for Entertainment and food enthusiasts People looking for straightforward rewards
Welcome bonus $200 after spending $500 within 3 months of account opening $200 after spending $500 within 3 months of account opening
Earning rewards 8% cash back on Capital One Entertainment purchases

5% cash back on hotel and rental cars booked through Capital One Travel

3% cash back on dining purchases, entertainment, and popular streaming services

3% cash back at grocery stores

1% cash back on all other purchases
1.5% cash back on all purchases

5% cash back on hotel and rental cars booked through Capital One Travel
Annual fee $0 $0
Foreign transaction fees None None
Other benefits Extended warranty protection, travel insurance benefits, 0% fraud liability protection Extended warranty protection, travel insurance benefits, 0% fraud liability protection
Learn more Read our SavorOne card review Read our Quicksilver card review

Capital One SavorOne vs Quicksilver: Welcome bonus

The SavorOne Cash Rewards and Quicksilver Cash Rewards cards from Capital One offer the same sign-up bonus structure. New card members can earn a $200 welcome bonus when they spend $500 using their card within three months of opening the account.

In either case, that is around $167 of spending each month during the first three months, which is pretty easy to do. You might use your card to pay for groceries or your cell phone bill for those months, paying off your balances every month because these are already expenses you budget for.

Both cards allow you to redeem your sign-up bonus as a statement credit or check. Because the offers are the same, there is not a winner for this category.??

Capital One SavorOne vs Quicksilver: Ongoing rewards

Quicksilver: The Quicksilver Card lets you earn 1.5% unlimited cash back on all purchases, as well as 5% cash back on hotel and rental cars booked through Capital One Travel.

SavorOne: The SavorOne card offers 1% cash back on everyday purchases and 3% cash back on purchases made at grocery stores, dining, entertainment, and streaming purchases. It also earns 8% back on Capital One Entertainment purchases and 5% cash back on hotel and rental cars booked through Capital One Travel.

For most people, the SavorOne card is better for ongoing rewards. Consider a hypothetical situation to understand how more cash rewards stack up with the SavorOne card.

Say someone spends $300 a month on groceries, $200 on dining and entertainment, $50 on streaming subscriptions and $400 on other random purchases.

SavorOne also comes out slightly ahead when it comes to redemption options. With both rewards cards, you can redeem rewards to cover specific purchases on your card, as a statement credit or as cash (in the form of a check). You can also use rewards to purchase gift cards or make purchases through a connected PayPal account. SavorOne rewards can also be used on Amazon.

Capital One SavorOne vs Quicksilver: Fees

Neither card comes with an annual fee. You also won’t pay foreign transaction fees if you swipe these cards out of the country or order from an international vendor.

Late payment fees are up to $8 for either card. You’ll also pay a balance transfer fee of 3% for the first 15 months on any balances you transfer from a different card, then 4%?at a promotional APR that Capital One may offer you at any other time. If you use either the SavorOne or Quicksilver card to make a cash withdrawal, you’ll pay a cash advance fee for that transaction. The fee is 5% of the advance amount or $5, whichever is greater.

Again, these two cards come up neck and neck in this category, as the fee structure is virtually the same. This is good news in either case because if you pay your statement on time and avoid carrying over any balances, you won’t pay fees. This ensures any cash back you earn really is extra money in your budget.?

Capital One SavorOne vs Quicksilver: Interest rates

Both cards include an introductory 0% APR offer on purchases and balance transfers made in the first 15 months after approval. This means you can make a purchase in the first month with either card and pay it off over 15 months without paying any interest.?

For example, say you purchase a $1,000 laptop. You can then make 15 payments of around $67 to pay off your purchase without ever accruing interest expenses.

In another hypothetical, say you have a $1,500 balance on another card with high interest. You could transfer that balance to your SavorOne or Quicksilver card and get up to 15 months from your account opening date to pay the balance off without any interest. That’s $100 a month if you stretch it over the entire 15 months. Many people use this type of perk to help pay off credit card debt faster.?

After 15 statement cycles, the regular APR on either card depends on your creditworthiness and other factors, such as your existing debt and income. The regular variable APR ranges for both cards are 19.99% to 29.99%.

Both cards also have a 29.99% APR for cash advances.

Completely aligned fee structures mean we can’t call a winner for this category.

Capital One SavorOne vs Quicksilver: Other benefits

Both the SavorOne card and the Quicksilver card pack a pretty big perks punch.?

You’ll get standard Capital One credit card benefits with each, such as:

1

Extended warranty

An extended warranty on qualifying purchases when you pay with your credit card.

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2

Travel assistance

Travel assistance to ensure you get a replacement card quickly if yours is stolen or lost.

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3

Travel accident and rental car insurance

Travel accident and rental car insurance if you pay for your travel or rental car booking entirely with your credit card.

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4

Capital One Shopping

Capital One Shopping, which helps you get the best deals when shopping in a browser equipped with the tool.

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5

Access to the Capital One Travel portal

Access to the Capital One Travel portal, where you can book travel at discounts exclusive to cardholders.

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6

0% fraud liability protection

0% fraud liability protection that ensures you’re not on the hook for fraudulent charges on your credit card.

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7

Access to CreditWise

Access to CreditWise, a tool that tracks credit report updates and information and lets you know if anything has changed.

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With the Quicksilver card, you can also get a complimentary Uber One membership for up to six months through November 14, 2024. Here’s where the SavorOne card trumps the Quicksilver card. You get that same complementary membership, but you also get 10% cash back when you use your card to pay for purchases via Uber or Uber Eats.

Capital One SavorOne vs Quicksilver: Eligibility

Capital One lists both of the cards as requiring excellent credit. While the range that is considered “excellent” might vary a little by card company — and also depends on whether you’re looking at a FICO or VantageScore credit score — it’s safe to assume you need a score in the mid-700s or higher.

Because they both require excellent credit, this category is a draw for the SavorOne and Quicksilver cards.

However, if you are looking for a credit card and your score isn’t hitting the excellent range, you still have plenty of options. Capital One offers a number of credit cards that require good credit as opposed to an excellent score, and the same is true of other card issuers. You can also find credit card products designed for those with lackluster or bad credit.

Should I get the Capital One SavorOne or Quicksilver card?

If it comes down to one of these cards over the other, the SavorOne hedges slightly ahead in our data analysis.

The potential for rewards perks is slightly better with the SavorOne card, and with the fees, interest rates and perks being fairly close (if not identical) between the cards, you don’t lose anything making this call.

If neither one of these cards appeals to you but you still want to stick with Capital One, check out our other card reviews to see if a different Capital One card is a better fit.

Compare More Capital One Credit Cards See cards side-by-side Credit Cards with Mouse Cursor COMPARE CARDS

Should I get both the Capital One SavorOne and Quicksilver cards?

Having multiple credit cards isn’t a bad idea. It creates diversity in your wallet and can help you manage finances with an eye toward minimizing interest expense and maximizing rewards. However, it’s not typically ideal to carry cards that have very similar perks and rewards structures.

Instead, consider balancing either the SavorOne card or Quicksilver card with a credit card that offers unique perks or rewards structures. For example, if you’re a Hilton loyalist, you might find a hotel credit card that offers cash back or travel rewards points on spending with Hilton properties. Then, you can use your SavorOne or Quicksilver card to earn rewards on everyday spending and your travel rewards card to maximize points when you travel.

However, if you just really like Capital One and want to stick with credit cards from its stable, you could maximize cash rewards by holding both of these cards in your wallet. You might do so by using the SavorOne card to pay for anything that would net you the 3% cash rewards and using the Quicksilver card to pay for everything else. The Quicksilver card does offer an extra half a percentage in cash back on those other purchases.

Capital One is more than just a credit card issuer

The first step in growing and maintaining consistent savings is to understand your personal finances through checking and savings accounts, credit cards, and more.

If you want to save and grow your money, consider the following Capital One products:

FAQ: Capital One SavorOne vs. Quicksilver

Is the Capital One SavorOne better than Quicksilver?

Overall, these cards are a close match. However, SavorOne offers slightly better cash-back rewards. Because the higher rewards are earned, in part, on groceries and dining, the SavorOne is likely to generate more rewards for almost anyone than the Quicksilver card.

What is the difference between the Quicksilver and the SavorOne card?

The biggest difference between the SavorOne card and the Quicksilver card is the cash-back earnings opportunities. The Quicksilver card offers 1.5% cash back on every purchase.

While the SavorOne card offers 1% cash back on every purchase, it also offers 3% cash back on spending on dining, groceries, streaming services and entertainment. Because one or more of those is a part of almost any person’s budget, the SavorOne card offers more opportunities to earn cash back.

Should I upgrade from Quicksilver to SavorOne?

You don’t always have an opportunity to upgrade specifically from a Quicksilver card to the SavorOne card. However, you may be able to upgrade from Quicksilver to another type of Capital One product with better rewards or perks. Reach out to Capital One via the customer service phone number on your credit card to discover what your options are.

Can I have both the Capital One Quicksilver and SavorOne cards?

Yes, you can have both cards if you can get approved for both. However, whenever you’re considering adding more credit cards to your wallet, ensure you consider the big picture. Are there other options that might expand your perks or rewards opportunities?

Imogen Sharma
Imogen Sharma Finance Contributor

Imogen Sharma is an experienced writer, specializing in business, culture, and financial guidance for young adults. She has contributed to articles for Varo Bank, Lendzi, MoneyTips and Indeed, providing invaluable insights into budgeting, financial planning, and lines of credit.

As a dedicated self-employed writer, she cherishes the opportunity to share her knowledge and experience with others, offering advice so they can master their bank accounts and secure their financial futures. Her articles, published in CMSWire, Reworked, WalletGenius and The Customer, serve as actionable guides to help people make solid financial decisions.

Prior to her writing career, Imogen honed her financial acumen in management roles, excelling in P&L analysis, budgeting and HR. During her tenure at Smith & Wollensky in London, her strategic contributions contributed to a 2% increase in EBITDA over a year, demonstrating her ability to drive financial performance and organizational success.

Imogen’s writing style combines expertise with accessibility, making complex financial topics easily understandable and actionable. With a focus on the long game, she encourages readers to approach financial matters with enthusiasm and determination.

* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.

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