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Capital One QuicksilverOne Cash Rewards Credit Card vs The New United℠ Explorer Card
This comparison aims to help users decide between the Capital One QuicksilverOne Cash Rewards Credit Card and The New United℠ Explorer Card. Each card offers unique benefits tailored for different spending habits and financial goals.
Card Overviews
Capital One QuicksilverOne Cash Rewards Credit Card
The Capital One QuicksilverOne Cash Rewards Credit Card is designed for consumers looking for straightforward cash back rewards without complex categories. It appeals to individuals who want to earn cash back on everyday purchases and prefer simplicity in rewards management.
The New United℠ Explorer Card
The New United℠ Explorer Card targets travelers, particularly those who frequently fly with United Airlines. With benefits like bonus miles and travel perks, it is ideal for individuals who want to earn travel rewards while enjoying added conveniences during their journeys.
Detailed Feature Comparison
| Feature | Capital One QuicksilverOne Cash Rewards Credit Card | The New United℠ Explorer Card |
|---|---|---|
| Annual Fee | $39 | $0 Intro Annual fee for the First Year, then $150 |
| Welcome Bonus | N/A | Earn 80,000 bonus miles after spending $3,000 in the first 3 months |
| Rewards Structure | 1.5% cash back on every purchase | 2x miles on United purchases, dining, and hotel stays; 1x mile on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | Late payment fee applies | Late payment fee applies |
| Additional Benefits | No expiration on cash back, fraud liability protection | Priority boarding, free first checked bag, travel credits |
Rewards Highlights
- Debut Offer: Earn 80,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
- 2x miles on United® purchases, dining, and hotel stays when booked with the hotel.
- 1x mile on all other purchases.
Pros and Cons
Capital One QuicksilverOne Cash Rewards Credit Card
- Pros:
- Unlimited 1.5% cash back on every purchase
- No limits on cash back earnings
- Automatic consideration for a higher credit line
- $0 Fraud Liability
- Cons:
- Annual fee of $39
- No introductory bonus offer
The New United℠ Explorer Card
- Pros:
- Generous welcome bonus of 80,000 miles
- $0 introductory annual fee for the first year
- Travel perks including free checked bag and priority boarding
- Cons:
- Annual fee of $150 after the first year
- Rewards are more beneficial for United travelers
Who Should Consider Which Card?
- Capital One QuicksilverOne Cash Rewards Credit Card: Ideal for consumers who prefer straightforward cash back rewards on everyday purchases without worrying about rotating categories or limits.
- The New United℠ Explorer Card: Best suited for frequent United Airlines travelers who can take advantage of travel-related perks and rewards on airline purchases.
Conclusion
When choosing between the Capital One QuicksilverOne Cash Rewards Credit Card and The New United℠ Explorer Card, consider your individual spending patterns and financial goals. Each card has distinct advantages that cater to different lifestyles, whether you prioritize cash back on general spending or travel rewards and perks.