Capital One Savor Cash Rewards Credit Card vs. Capital One Quicksilver Cash Rewards Credit Card [2025]: Which Cash Back Card Wins?

The Capital One Savor Cash Rewards Credit Card and the Capital One Quicksilver Cash Rewards Credit Card have no annual fees, and comparable welcome bonuses and perks. The main difference between these two is how you earn cashback rewards.

Capital One Savor vs. Quicksilver overview

	Capital One Savor Cash Rewards Credit Card 4.9 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Capital One Quicksilver Cash Rewards Credit Card 4.7 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.
Annual fee	$0	$0
Earning rate	3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services; 5% back on hotels, vacation rentals and rental cars booked through Capital One Travel; 8% cash back on Capital One Entertainment purchases; and 1% cash back on all other purchases	1.5% cash back on every purchase, every day; and 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
FinanceBuzz value calculation1 <p class="">These values are based on the <a href="https://financebuzz.com/financebuzz-credit-card-valuation">FinanceBuzz Credit Card Rewards Valuation Model</a>, which takes a look at rewards earned via spending, the welcome offer, and the annual fee. We used a valuation of 1 cent/point unless otherwise stated above. These are estimated values - your actual earnings will depend on how much you spend and in what categories.<br></p>	Year one: $1,025 Year two: $725	Year one: $863 Year two: $563
Intro APR	0% intro APR for 12 months on balance transfers (then 18.99% - 28.99% (Variable)); Balance transfer fee applies 0% intro APR for 12 months on purchases, then 18.99% - 28.99% (Variable)	0% intro APR for 15 months on balance transfers, then 18.99% - 28.99% (Variable); Balance transfer fee applies 0% intro APR for 15 months on purchases, then 18.99% - 28.99% (Variable)
Early spend bonus	Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening (limited time offer)	Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening (limited time offer)
Annual credits	None	None
Foreign transaction fee	None	None
Credit needed	Excellent, Good	Excellent, Good
	Learn more	Learn more

When to go with the Capital One Savor card

The Capital One Savor would likely be a better choice for you than the Quicksilver if:

• You regularly dine out, pay for streaming, or attend ticketed events.
• You spend a lot on groceries.
• You don't want to worry about rewards caps.
• You already have a flat-rate rewards card.

The main difference between the Capital One Quicksilver and Savor is in how they earn rewards. While the Quicksilver earns a higher flat rate on all spending with just one bonus category for eligible Capital One Travel purchases, the Savor card has several bonus categories with a lower flat rate on everything else.

Learn more in our Capital One Savor Cash Rewards Credit Card review.

High rewards on bonus categories

The Capital One Savor Cash Rewards Credit Card offers the most earning potential on food-related spending and Capital One-specific travel and entertainment purchases, with the potential for a much higher annual payout than the Quicksilver. I like to think of this card as my "treat yourself" card for when I don't want to bother to cook and/or want to do something fun, like go to the movies or a zoo. It also doubles as my regular grocery card, so I like it more than some of my other rewards cards with bonus categories that change or don't fit into my everyday spending (like the Chase Freedom Flex^®).

The card's low base rewards rate of 1% cash back on all other purchases is arguably its worst feature. But it doesn't claim to be an all-purpose card, and the bonus categories will likely be easier to hit without trying than with a rotating category card — everyone eats.

Easy spend bonus

This card has a generous early spend bonus, helping cardholders enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening (limited time offer). This is one of the highest payout-to-spending ratios I've ever seen, and it should be easily doable for most households, even sticking strictly to the bonus categories.

According to our Credit Card Rewards Valuation Model, which we use to estimate the potential rewards earnings for cards based on average household spending across common categories, a typical household spends around $3,500 on dining out and $14,000 on groceries each year (for comparison, "everyday spending" is the second-highest category at $9,000).

Entertainment benefits

Like all Capital One rewards cards, the Savor provides access to exclusive experiences through Capital One Entertainment. These can generally be categorized as sports, music, and dining events, and they include things like food tastings and concerts. I just checked out events near me, and I could get tickets to a cardholder-only iHeartRadio Jingle Ball concert in December (if it weren't sold out, womp). Not all experiences you can book through Capital One Entertainment are strictly for CapOne cardholders, but you'll also earn an elevated rate on other entertainment. The Quicksilver also includes access to Capital One exclusive events, but with a lower rate.

For homebodies like me, streaming also counts. The list includes the big ones: Netflix, Hulu, and Disney+. The rewards on these won't make you rich, but you can soften the blow of some of your recurring bills (or pay to remove ads?).

When to go with the Capital One Quicksilver Cash Rewards card

We'd recommend considering the Capital One Quicksilver versus the Savor if:

• You prefer straightforward, flat cashback.
• You don't want to keep track of bonus categories.
• You already have a card with higher rates in your top spending categories.

Learn more in our Capital One Quicksilver Cash Rewards Credit Card review.

Flat rewards

The Capital One Quicksilver Cash Rewards Credit Card offers benefits that cater to a wide range of cardholders. It helps you earn 1.5% cash back on every purchase, every day; and 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel. This flat-rate rewards structure can be easier to manage than a card with bonus categories to keep track of.

If reading the Savor categories made you feel overwhelmed, or you just didn't feel like they fit with your lifestyle, this might be the better card for you. It isn't the heaviest of hitters for all spending, but it could be the card you reach for when making a purchase that doesn't fit into a high-earning category for any of your other rewards cards, if you have them. You'll enjoy a simple cashback structure without the need to track spending categories.

Easy early spend bonus

I'm including this as a Quicksilver benefit even though I already used it for Savor because a good bonus is a good bonus. This card helps you enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening (limited time offer). Make no mistake: This is great.

When to choose the QuicksilverOne from Capital One

If you like the idea of the Quicksilver over the Savor card but aren't sure you can qualify for it, you might have an easier time getting approved for the QuicksilverOne Cash Rewards card. This card earns unlimited 1.5% cash back on every purchase; plus 5% unlimited cash back on hotels and rental cars booked through Capital One Travel, making it comparable to the Quicksilver.

But unlike the traditional Quicksilver, the QuicksilverOne recommends you have at least fair credit to qualify. It also differs from the original version in that it has a $39 annual fee, which is pretty common in cards you can qualify for with fair credit.

All this to say, choose the QuicksilverOne over either the Quicksilver or Savor card if you don't have good or excellent credit. Then, you could upgrade from the QuicksilverOne to the Quicksilver in the future.

Should you have both cards?

If you look at the differences between the Capital One Savor and Capital One Quicksilver Cash Rewards cards, you'll notice they're pretty much neck-and-neck until you get to the rewards. And when you look at the cashback categories, it's easy to see how the best card depends on the situation.

The Capital One Savor has a higher overall earning rate than the Capital One Quicksilver, but the latter's simple rewards structure may be more appealing to some. The Capital One Savor earns 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, which will likely be its main draw for many people. The Capital One Quicksilver earns 1.5% cash back on every purchase, every day; and 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.

Because neither card charges an annual fee, I'd make a case for having both — you could use the Savor for everything that would earn an elevated rate and the Quicksilver for everything else for a combined value higher than one or the other.

Shared features

On both cards, you can take advantage of travel assistance services if your card is lost or stolen while traveling. For other travel assistance, use the free concierge services to get personalized help with anything you need, including dining reservations, concert tickets, or travel suggestions.² <p class="">For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.<br></p> Lastly, neither card has foreign transaction fees, so feel free to use your card while traveling abroad without having to worry about additional fees.

When it comes to purchase protection, Capital One Quicksilver benefits are nearly identical to Capital One Savor benefits. The extended warranty protection can help protect eligible purchases by extending their manufacturer's warranties.

FAQs

Other cards to consider

If you are open to applying for a card with a different issuer, you have several great options for cashback cards besides the Capital One Savor and Quicksilver, including:

Chase Freedom Unlimited^®: This card offers a generous welcome offer. You can earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And while it's marketed as a cash back card, you actually earn Chase Ultimate Rewards points when you spend. Those points can be redeemed for cash, gift cards, travel, and more. Unlike the Capital One cards, this Chase card is a Visa.

Learn more in our Chase Freedom Unlimited^® review. 

Citi Double Cash^® Card: If you don't want the hassle of tracking spending categories and just want simple, flat-rate cash back, this card is worth considering. Cardmembers can earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. The Citi Double Cash is a Mastercard.

Learn more in our Citi Double Cash^® Card review. 

Bottom line

Both the Capital One Savor and the Capital One Quicksilver Cash Rewards card have strengths and weaknesses, and I'd truly recommend considering both. But if you want to choose, the Capital One Savor is ideal for earning the highest rates possible on a few common spending categories, while the Capital One Quicksilver is a flat-rate card for low-maintenance spending.

You don't have to sweat an annual fee (and making the worth paying for) with either, but there's a good chance you can earn more each year with the Savor — as long as you use it at the right place and time.

Unlimited Cash Back

Chase Freedom Unlimited^®

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Chase Freedom Unlimited^®

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Rates and fees

Current Offer

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

Annual Fee

$0

Rewards Rate

5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases

Benefits and Drawbacks

Benefits

• Base rewards rate of 1.5%
• $0 annual fee
• Ability to transfer cash back to other Ultimate Rewards cards
• Intro APR offers for purchases and balance transfers

Drawbacks

• Has a foreign transaction fee of 3% of each transaction in U.S. dollars
• No bonus categories for gas or groceries

Card Details

• Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC