Capital One SavorOne vs. Quicksilver: Which Is Best in 2023?

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Feature Capital One Quicksilver Capital One SavorOne
Variable APR APR APR
$200 bonus requirement Spend $500 in the first 3 months Spend $500 in the first 3 months
Cash back on travel 5%  5% 
Cash back on dining, Entertainment and groceries 1.5% 3%
Everyday cash back 1.5%  1% 
Annual fee None None
Foreign transaction fee None None

Capital One SavorOne vs. Quicksilver: Which Is Best in 2023?

Capital One SavorOne and Capital One Quicksilver are both excellent cash-back credit cards. Whatever your spending habits, one of these cards is sure to fit your needs with generous cash back rewards that never expire, multiple ways to use those rewards and a pretty good welcome bonus.

But which card is better? Is SavorOne better than Quicksilver? What is the difference between Capital One SavorOne and Quicksilver? Keep reading to find out the features and rewards structures for both so you can make the best choice based on your credit score and spending habits.

Multiple Options for Different Credit Scores

Before the features and benefits of the top-tier cards in the Quicksilver and Savor lines are covered, it’s important to point out that each card has multiple versions. There are two Quicksilver Rewards cards: One for people with excellent credit and one for people with good credit. The main difference between them is that the card for those with good credit can’t earn a welcome bonus and will have a slightly higher APR. Also, there is no introductory APR offer.

The QuicksilverOne card is designed for people with fair credit. It has a lower variable APR but carries an annual fee of $39. The rewards are the same as the Quicksilver for good credit. There is also a Quicksilver Secured Rewards card that requires a $200 deposit and has no annual fee.

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SavorOne is designed for people with excellent credit but also has a version for consumers with good credit. That card skips the welcome offer and 0% introductory APR and has a slightly higher variable APR.

Rewards

For comparison purposes, this will be a look at the top-tier cards for SavorOne and Quicksilver. SavorOne has the better rewards structure, by a slim margin. SavorOne cardholders earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, 3% on dining, entertainment, streaming, and grocery store purchases and a flat-rate 1% on all other purchases, every day. Plus, earn a whopping 8% cash back when you purchase tickets or experiences through Capital One Entertainment.

Quicksilver has the same 5% cash back on hotels and rental cars booked through the Travel portal. It delivers 1.5% cash back on all other purchases.

If you intend to use your Capital One card for dining out, grocery shopping or automatic payments of your streaming services, SavorOne is the superior choice.

It’s important to note that rewards never expire — unless you close your card or your account is closed by Capital One — and you can redeem rewards as a statement credit, for gift cards, charitable contributions, merchandise or travel through the Capital One portal.

Bonus Offer

Both cards offer the same welcome bonus of $200 with a spend requirement of $500 within the first 3 months from account opening.

Interest Rates

This category is a draw since interest rates on both cards are the same: APR, depending on your credit score. Both cards also have a 0% introductory APR period for 15 months on purchases and balance transfers, with a 3% balance transfer fee during that time period. 

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Fees

This category is also a draw. Both cards have no annual fees and no foreign transaction fees, making them the perfect card to carry abroad.

Bottom Line

If you are looking for a cash back rewards card tailored for travel and dining out, SavorOne is an excellent choice. However, for an everyday spending card, Quicksilver delivers 1.5% cash back every day without having to keep track of spending categories.

You might even consider carrying both cards and using each when appropriate.

Chris Ozarowski contributed to the reporting for this article.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

Data is accurate as of June 21, 2023, and is subject to change.

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