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Capital One Quicksilver Cash Rewards Credit Card vs United Gateway℠ Card
This comparison aims to assist you in deciding between the Capital One Quicksilver Cash Rewards Credit Card and the United Gateway℠ Card. Both cards offer unique features tailored to different spending habits and preferences, so let's delve into their specifics.
Card Overviews
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card is designed for those seeking straightforward cash back rewards without the complexity of rotating categories. With no annual fee and attractive cash back rates, it appeals to users who want to earn rewards on all purchases effortlessly.
United Gateway℠ Card
The United Gateway℠ Card is ideal for frequent United Airlines travelers. This card offers bonus miles on United purchases and additional rewards for gas and local transit, making it a great choice for those who prioritize airline travel and related expenses.
Detailed Feature Comparison
| Feature | Capital One Quicksilver Cash Rewards Credit Card | United Gateway℠ Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Welcome Bonus | Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening | Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months |
| Rewards Structure | Unlimited 1.5% cash back on every purchase | 2x miles on United purchases, gas stations, and local transit; 1x mile on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | Balance transfer fee applies | None specified |
| Additional Benefits | 5% cash back on hotels and rental cars booked through Capital One Travel | 25% back on food, beverages, and Wi-Fi on United flights |
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
United Gateway℠ Card
- Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases.
- 2x miles on United purchases, at gas stations, and on local transit and commuting.
- 1x mile on all other purchases.
Pros and Cons
Capital One Quicksilver Cash Rewards Credit Card
- Pros: No annual fee, simple cash back structure, good sign-up bonus, no foreign transaction fees.
- Cons: Limited bonus categories compared to travel-focused cards.
United Gateway℠ Card
- Pros: Great for United Airlines travelers, earns bonus miles on everyday purchases, no annual fee.
- Cons: Best rewards are limited to specific purchases; not as versatile for non-travel spend.
Who Should Consider Which Card?
- The Capital One Quicksilver Cash Rewards Credit Card is ideal for those who prefer straightforward cash back on all purchases without worrying about categories. If you want to earn rewards on daily expenses without restrictions, this card is for you.
- The United Gateway℠ Card is best suited for frequent travelers who primarily fly with United Airlines. If you often spend on gas and local transit, this card will maximize your rewards in those areas.
Conclusion
Choosing between the Capital One Quicksilver Cash Rewards Credit Card and the United Gateway℠ Card ultimately depends on your individual needs and spending patterns. Consider where you spend the most and what type of rewards are most appealing to you to make the best decision.