Search Credit Card Offers
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Capital One Quicksilver Cash Rewards Credit Card vs Capital One Savor Cash Rewards Credit Card
This comparison aims to help you decide between the Capital One Quicksilver Cash Rewards Credit Card and the Capital One Savor Cash Rewards Credit Card. Both cards offer unique features and benefits tailored to different spending habits and preferences. Let's explore their key characteristics and help you make an informed decision.
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card is designed for users who prefer straightforward cash back rewards. With a $0 annual fee and no foreign transaction fees, it appeals to everyday consumers looking to earn cash back on their purchases without the hassle of rotating categories.
Capital One Savor Cash Rewards Credit Card
The Capital One Savor Cash Rewards Credit Card caters to foodies and entertainment enthusiasts. This card offers higher cash back rewards on dining and entertainment, making it ideal for those who spend significantly in these categories. Like the Quicksilver, it also features a $0 annual fee and no foreign transaction fees.
Detailed Feature Comparison
| Feature | Capital One Quicksilver Cash Rewards | Capital One Savor Cash Rewards |
|---|---|---|
| Annual Fee | $0 | $0 |
| Welcome Bonus | $200 cash bonus after spending $500 in first 3 months | $200 cash bonus after spending $500 in first 3 months |
| Rewards Structure | 1.5% cash back on every purchase; 5% on hotels & rental cars booked via Capital One Travel | 8% on Capital One Entertainment; 3% on dining, grocery stores, and streaming; 5% on hotels & rental cars via Capital One Travel; 1% on all other purchases |
| Foreign Transaction Fee | $0 | $0 |
| Other Fees | No annual fee, no foreign transaction fees | No annual fee, no foreign transaction fees |
| Additional Benefits | Cash back won't expire; no rotating categories | Cash back won't expire; no rotating categories |
Rewards Highlights
Capital One Quicksilver Cash Rewards Credit Card
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Earn unlimited 1.5% cash back on every purchase, every day
Capital One Savor Cash Rewards Credit Card
- 8% Cash Back on Capital One Entertainment purchases
- 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
- 1% Cash Back on all other purchases
Pros and Cons
Capital One Quicksilver Cash Rewards Credit Card
- Pros:
- $0 annual fee
- Simple cash back rewards structure
- Unlimited 1.5% cash back on all purchases
- No foreign transaction fees
- Cons:
- Lower rewards rate for dining and entertainment compared to Savor card
Capital One Savor Cash Rewards Credit Card
- Pros:
- $0 annual fee
- Higher cash back on dining and entertainment
- 8% cash back on entertainment purchases
- No foreign transaction fees
- Cons:
- More complex rewards structure may not appeal to everyone
Who Should Consider Which Card?
The Capital One Quicksilver Cash Rewards Credit Card is best suited for users who prefer a straightforward cash back approach without the need to track categories. It's ideal for those who want to earn cash back on all purchases equally.
The Capital One Savor Cash Rewards Credit Card is perfect for users who frequently dine out, enjoy entertainment activities, or shop at grocery stores. This card rewards them with a higher rate of cash back in those specific categories.
Conclusion
Both the Capital One Quicksilver Cash Rewards Credit Card and the Capital One Savor Cash Rewards Credit Card offer unique benefits tailored to different spending habits. Evaluate your individual spending patterns and financial goals to determine which card aligns best with your lifestyle.