Capital One SavorOne vs. Quicksilver: Which Is Best in 2022?

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Quicksilver SavorOne
Variable APR APR APR
Welcome Bonus $200 when you spend $500 within first 3 months $200 when you spend $500 within first 3 months
Bonus Rewards 5% Cash back on hotels and rental cars booked through Capital One Travel -5% Cash back on hotels and rental cars booked through Capital One Travel
-3% cash back on dining, entertainment, streaming and grocery stores
Everyday rewards 1.5% cash back on all other purchases 1% cash back on all other purchases
Annual Fee None None
Foreign Transaction Fee None None
Intro APR 0% for 15 months — 3% fee on balance transfers within this time period 0% for 15 months — 3% fee on balance transfers within this time period

Capital One SavorOne vs. Quicksilver: Which Is Best in 2022?

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.

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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 2 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.

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.

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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 when you spend $500 in the first three months of opening your account.

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Interest Rates

The 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.

Fees

Both cards have no annual fee 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 everyday without having to keep track of spending categories.

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

Capital One SavorOne vs. Quicksilver FAQ

  • What is the difference between Capital One SavorOne and Quicksilver?
    • Capital One SavorOne and Quicksilver credit cards seem very similar on the surface, with the same APRs, the same bonus and many of the same benefits that are available through Capital One. The big difference between the cards is the rewards structure.
      • SavorOne offers 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining and entertainment, streaming, grocery stores and 1% on all other purchases.
      • Quicksilver offers the same 5% cash back on hotels and rental cars purchased through the Travel portal and 1.5% on all other purchases.
  • Is SavorOne better than Quicksilver?
    • While both cards are very similar, SavorOne offers slightly better rewards.
  • Is Capital One SavorOne hard to get?
    • CapitalOne SavorOne is considered a top-tier rewards credit card, available to people with excellent credit. There is also a version available for people with good credit. Sources show you'll need at least a 670 credit score or higher to qualify for SavorOne.
  • What card is better than Quicksilver?
    • If you're looking to earn extra cash back on dining, groceries and streaming service, the SavorOne card edges out Capital One Quicksilver. You can also earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats when you use your SavorOne card.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Oct. 4, 2022.

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.

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About the Author

Dawn Allcot is a full-time freelance writer and content marketing specialist who geeks out about finance, e-commerce, technology, and real estate. Her lengthy list of publishing credits include Bankrate, Lending Tree, and Chase Bank. She is the founder and owner of GeekTravelGuide.net, a travel, technology, and entertainment website. She lives on Long Island, New York, with a veritable menagerie that includes 2 cats, a rambunctious kitten, and three lizards of varying sizes and personalities – plus her two kids and husband. Find her on Twitter, @DawnAllcot.
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