If you’re looking for a cash back credit card for general rewards, you might be considering the Capital One Quicksilver vs Capital One SavorOne. Both cards offer great overall value and are simple cash back cards with no rotating categories.
Both of these card are part of the Capital One lineup without annual fee. Choosing between one or the other will eventually come down to which cash back structure is most advantageous for your spending.
Our Take
SavorOne should be better choice for most people, as it offers a generous 3-5% cash back in high spending categories like groceries, dining and some travel.
However, the Quicksilver might be a great addition to a multi-card portfolio by offering 1.5% cash back on all spending.
For more details, use our SavorOne vs Quicksilver rewards calculator
Overview: SavorOne vs. Quicksilver
 Capital One Quicksilver |
 Capital One SavorOne |
|
| Annual Fee | $0 | $0 |
| Signup Bonus | $200 after spending $500 in the first 3 months of account opening | $200 after spending $500 in the first 3 months of account opening |
| Rewards | • Unlimited 1.5% cash back on every purchase | • 3% cash back on Dining • 3% cash back on popular Streaming services • 3% cash back on Entertainment • 3% cash back on Groceries • 1% cash back on all other purchases |
| Benefits | • 6 months complimentary Uber One membership through 11/14/2024 • 5% cash back on hotels and car rentals booked through Capital One Travel • No Foreign Transaction Fees |
• 10% cash back Uber and Uber Eats + complimentary Uber One monthly membership through 11/14/2024 • 8% cash back on Capital One Entertainment purchases • 5% cash back on hotels and car rentals booked through Capital One Travel • No Foreign Transaction Fees |
Capital One SavorOne vs. Quicksilver Highlights
Annual Fees
The great news is that these two cards have no annual fees, making them great cards to add to your wallet.
Sign-Up Bonus
Both SavorOne and Quicksilver offer a $200 introduction bonus. The minimum spending requirement is also the same, at $500 in the first 3 months of account opening. Needless to say this is a very generous offer for a small required spending!
Flat vs Specialized Cash Back
Quicksilver is a flat 1.5% back on all purchases which makes it very useful for purchases that do not fall into typical spending buckets (like utilities, gym, some shopping, …). In comparison, SavorOne is more focused on specific categories like dining, groceries and entertainment by offering a generous 3%. It only offers 1% on the other categories.
As a cherry on top, both cards give you access to Capital One’s Travel portal where you can book rental cars and hotels at 5% cash back
SavorOne likely your best bet if you spend on groceries and dining
So how to determine which one earns more rewards? A simple calculation can show that if Groceries, Dining and Entertainment represent more that 25% of your monthly budget, then SavorOne will earn you more rewards. While you will indeed miss out on 0.5% back for the other categories (1.5% for Quicksilver minus 1% for SavorOne), you will benefit a lot of the additional 1.5% (3% minus 1.5%) on the specialized categories.
Run the numbers for your spending
To determine which card is right for you, you’ll need to consider your spending habits and how much you’re willing to pay for an annual fee. To make an informed decision, you can use our cash back calculator, which allows you to input your estimated monthly spending on various categories to determine which card will earn you the most cash back.
Sample result of SavorOne vs Quicksilver calculator for average spending
Which card should you choose?
To conclude, the SavorOne seems to be the winning card for most people. With 3% on very popular categories like groceries, dining, entertainment and streaming, it easily beats a flat 1.5% on everything.
To be precise, if groceries, dining, entertainment and streaming make up for more than 25% of your yearly budget, then SavorOne will earn you more cash back.
Don’t bother with complicated math, use our SavorOne vs Quicksilver rewards calculator to run the numbers and settle the debate! You can also compare any pair of cards you are researching.