Capital One offers a variety of credit cards, and two popular options are the Capital One SavorOne and the QuicksilverOne.
Let's delve into the features and benefits of each to help you make an informed decision.
General Comparison: SavorOne vs QuicksilverOne
The Capital One SavorOne card is a culinary delight for those who savor the finer things in life and has no annual fee. For frequent travelers, the SavorOne boasts 5% back on hotels and rental cars booked through Capital One Travel. But these are just part of the perks – since it also offers a decent welcome bonus as well as 0% intro APR on purchases and balance transfers.
On the other hand, the QuicksilverOne card is designed for simplicity and versatility. With a flat 1.5% cash back on all purchases, it's a straightforward option for those who prefer a hassle-free rewards structure. However, the card charges an annual fee.
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Cashback Battle: SavorOne vs QuicksilverOne
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| |
|---|---|---|
Spend Per Category | Capital One QuicksilverOne | Capital One SavorOne |
$15,000 – U.S Supermarkets | $225 | $450 |
$5,000 – Restaurants
| $75 | $150 |
$4,000 – Airline | $60 | $40 |
$3,000 – Hotels | $45 | $150 |
$4,000 – Gas | $60 | $40 |
Estimated Annual Value | $465 | $830 |
Which Extra Benefits You'll Get On Both Cards?
Both cards come with extra benefits, including:
- $0 Fraud Liability: You won’t be held responsible for unauthorized charges if your card is lost or stolen, giving you added peace of mind.
- CreditWise: Get alerts for any changes to your TransUnion® or Experian® credit report, helping you stay on top of your credit health.
- Uber One Membership: Enjoy up to six months of complimentary Uber One membership, giving you discounts and benefits on rides and deliveries.
Benefits You'll Get Only With The SavorOne Card
The SavorOne offers some unique perks you won't be able to get with the QuicksilverOne card:
- Uber and Uber Eats Perks: Cardholders earn 10% cash back on purchases made with Uber and Uber Eats, in addition to receiving statement credits for an Uber One membership each month until November 14, 2024.
- 5% Cash Back on Travel: Enjoy a generous 5% cash back on hotel and rental car bookings made through the Capital One Travel portal, providing significant savings on your travel expenses.
- Redeem Cashback On Paypal/Amazon: Capital One cardholders can easily redeem their cash back or miles to shop online at various retailers through PayPal and Amazon, making it convenient to use rewards for everyday purchases.
- Extended Warranty: There will be an extended warranty provider on eligible purchases through your credit card.
- Complimentary Concierge Service: Access personalized assistance in dining, entertainment, and travel 24/7.
Benefits You'll Get Only With The QuicksilverOne Card
The QuicksilverOne card offers a single unique benefit:
When You Might Want the Capital One QuicksilverOne?
The QuicksilverOne Card might be the right choice in certain situations:
- Simplicity in Rewards: If you prefer a straightforward rewards system without dealing with rotating categories or varying cashback rates, the QuicksilverOne Card is a solid option. It offers a flat 1.5% cash back on all purchases, making it simple and easy to use.
- Building or Rebuilding Credit: If you're working on building or rebuilding your credit, the QuicksilverOne Card can be a good option. Its simple rewards structure gives you a chance to show responsible credit use while earning cash back.
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When You Might Want the Capital One SavorOne?
Consider the following scenarios where the SavorOne Card might be the preferred choice:
- You Spend On Dining, Grocery Entertainment: If you frequently dine out, buy on grocery stores, attend events, or enjoy entertainment activities, the SavorOne Card is tailored to reward these specific categories.
- You Want To Maximize Your Cash Back Rewards: According to our analysis, there is no real competition between the cards as the SavorOne will drive you much more cashback comapred to the QuicksilverOne card
- No Annual Fee: Like the QuicksilverOne Card, the SavorOne Card also comes with no annual fee. If you want to maximize rewards without incurring an additional yearly cost, the SavorOne Card is a suitable option.
Compare The Alternatives
It's always a good idea to be aware of other options before determining the most suitable choice for your needs.
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|
| |
|---|---|---|---|
Wells Fargo Active Cash℠ Card | Chase Freedom Unlimited® | Bank of America® Customized Cash Rewards credit card | |
Annual Fee | $0
| $0
| $0
|
Rewards |
2%
2% cash rewards on purchases (unlimited)
|
1.5% – 5%
5% cash back on travel booked through Chase Ultimate Rewards, 3% on dining (including takeout and eligible delivery), 3% on drugstore purchases, and 1.5% on all other purchases
|
1% – 5%
3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases. The 3% and 2% cash back available on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter (then 1%)
|
Welcome bonus |
$200
$200 cash rewards bonus when you spend $500 in purchases in the first 3 months
|
$250
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
|
$200
$200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
|
Foreign Transaction Fee | 3%
| 3%
| 3%
|
Purchase APR | 19.49% – 29.49% Variable APR
| 19.99 – 28.74% variable
| 18.74% – 28.74% Variable APR on purchases and balance transfers
|
Compare Capital One SavorOne
Higher Cash back and better sign up bonus, or no annual fee with lower rewards ratios?
The Capital One SavorOne cashback categories are fixed, while the Chase Freedom Flex has rotating categories.
Which is worth more? Capital One SavorOne vs Chase Freedom Flex
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